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Globetrotting gets easy, via loans
  Soaking in the sun in Seychelles or skiing in the Swiss Alps need not just remain in the realms of fantasy for the Indian middle class: Travel loans are making their dreams come true.
The array of 'travel now, pay later' option has made overseas travel the trend du jour even for middle-class Indians. While major travel companies have tied up with financiers to offer easy repayment terms, banks too are getting into the picture with special travel loans, along with the older personal loans product.
Says Gaurav Malik, retail manager, UTI Bank, "We provide travel loan at the rate of 15%, including the processing time of about seven days, and tenures between 12 and 36 months. In addition to the package cost, you pay a refundable deposit of Rs 10,000 per person and a flat processing fee of Rs 500. For the paperwork and other tour formalities we have arrangements with a reputed travel company."
"Banks offer 'Easy Travel Loans'. The loan gives you the benefit to holiday now and pay later in easy installments. It has been exclusively designed to put exciting holidays within the reach of the middle-class family. You can avail of the loan for a holiday, whether it is a domestic or an international package.


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