Loan Singh Offers Personal Loan for Overseas Travel and 5 Cool Travel Tips

overseas-travel

Introduction

Hardworking individuals need a break to unwind. The ask from a newly married wife to take her on a holiday is also a need which has to be fulfilled. Going on an overseas travel trip is easier said than done. Firstly, it is tough to save. With monthly expense such as utilities, rent, food and personal grooming taking up majority of your income, it gets hard. For such salaried individuals, who need that extra boost in finance, a personal loan can be the best solution. Loan Singh’s digital lending platform provides personal loan to salaried individuals who have never availed any credit before. There are many first timers who do not know the features of a personal loan or how it can easily solve their low cash problems. We will not only look at personal loan and its features, but also see how Loan Singh’s digital lending platform can easily help you to get a loan. We will also share some travel tips with you.

 

Personal Loan Features

A personal loan is a type of unsecured credit that is generally availed to meet urgent financial needs. Being an unsecured credit, personal loan requires no collateral or mortgage. The next question you would have is, “With no collateral, how does Loan Singh trust a borrower?”

Loan Singh does not meet the borrower face-to-face like traditional lending solutions. Everything from loan application to amount disbursement happens online. To mitigate the prospect of risk, Loan Singh looks at your credit worthiness. If you have a good credit history, you have a better chance of avoiding a personal loan rejection with Loan Singh. Your credit history tells Loan Singh how prompt you have been with your past loan, or credit card, responsibilities. Availing a personal loan via Loan Singh is advantageous because there is minimal paperwork involved. No time is wasted in cross verifying any paperwork. Your employment status and income help determine if you are capable of paying the loan repayment EMIs on time, or not. The personal loan amount, along with interest rate, is calculated for the entire tenure, and in case you want to clear-off the loan before tenure completion, no prepayment penalty is levied by Loan Singh.

The purposes for availing a personal loan are aplenty. Some of them are

  • Medical expenses
  • Second-hand car
  • House repairs (which offer tax benefits, as well)
  • Online shopping
  • Job relocation
  • Home improvement, etc.

No collateral means you can apply for a personal loan for the above purposes and more; even if you do not own any assets. No loan guarantor is needed. No storage needed for piles of paperwork.

You are a salaried individual and chances are that your salary will continue to rise in the forthcoming months and years. Use this impetus to plan your repayments to avoid any delay in repayments and defaults.

 

Eligibility Criteria

Just like in banks, there is a set of eligibility criteria at Loan Singh, as well; albeit a shorter one.

Indian and salaried – You must be an Indian citizen and earning a minimum of Rs.15,000 per month.

Good score and age – Have a good credit bureau score to help Loan Singh gauge your repayment capabilities. If you have no credit history, then you must be salaried for at least 3 months. You must be at least 21 years of age.

 

Loan Singh Process

The process is simple and completely online. You need your PAN Card and latest 6 months bank statement. The statement has to be in PDF format only. You can apply for the personal loan by going to Loan Singh’s Get Started page.

Get Started Page – Select ‘PERSONAL LOAN’ from the drop-down and enter the loan amount with the desired repayment tenure.

Registration page – Add your contact number, personal email ID and corporate email ID

Social Authorization – Connect your Facebook, Google+ and LinkedIn profiles for discounted rates

Profile Page – Fill in your name, gender, father’s name, number of dependents and PAN Details. We use your PAN Card Number to check your Credit Score and as a KYC document.

Address Page – Choose your type of residence; mention your street address, city, state and pin code.

Job Profile Page – Mention your current designation, total work experience, company name, highest qualification, last institution attended and monthly salary.

Financials page – Upload your latest 6 months bank statement from your computer or GMail account or net-banking account.

Auto Debit Page – Provide permissions to your bank name, account number and IFSC code so that Loan Singh can auto debit the EMI amount from your account every month. This way you don’t need to set reminders or miss-out on any loan EMI repayments.

 

Overseas Travel Tips from Loan Singh

You contacted Loan Singh, applied for a personal loan and got the funds in your account. The biggest challenge was the finance, and with Loan Singh taking care of that, you can now focus on the actual travel and embrace the good times ahead with your family.

You need to start with a PLAN. As simple as it may sound, you must remember that planning is absolutely essential in any overseas trip. Some pointers to remember are

  • Focus on the number of days you would be travelling. Would it be for a few days, a month or several months, knowing when you will be departing and getting back is important to plan your travel booking, packing, etc.
  • Choose an awesome destination. Not because you are going to be spending your personal loan money on it, but simply because a great destination can help you create everlasting memories with family and new friends. Keep options.
  • Discuss the destination ideas with family members, colleagues and friends. Let them add in some input in the form of past experiences, suggestions or things to remember. These might help you to zero-in on your destination.

No MONEY, No Honey! Well, in your case, No Money would lead to No Travel. You need to pay for everything – flight tickets, hotel accommodation, commuting, food, water and recreation. The personal loan is there, but it is always wise to ensure you have some cash in-hand or balance in your Debit Card to spend on your travels.

When you are done with the planning, arranging the funds via Loan Singh and applied for the travel leave from your boss, it’s time to take care of FLIGHT and STAY. These pointers will help:

  • Find the cheapest flights available. It is advised you go to a well-received travel search engine.
  • Try to book the return flight, as well. This will help you save more.
  • Choose Tuesdays as the day to book flights as most times Airline companies announce deals on Monday evenings. Thank us later!
  • Read reviews about hotels or serviced apartments from reputed sites to make the choice.

Next, we look at the PACKING. Packing is crucial because here your skills as a handyman (or handywoman) come to the fore. The less your baggage, the better. Keep in mind these pointers:

  • Make sure you have a small hand held travel kit which includes a first aid material, chargers, toiletries, medicines, passport, tickets, etc.
  • Pack maps, travel guide to the city/place you are visiting.
  • Try to pack clothes that are wrinkle free.
  • Do not pack clothes you have never worn before.
  • Scan and save a copy of your passport, tickets and other important documents on your email ID as a Draft.
  • Try to use travel vacuum bags which will help you save more space while traveling.

The JOURNEY is the last leg. It includes the time you spend when you depart from home to airport and all the way back home. Here are some pointers:

  • Learn how to pronounce important words in the native language of the place you are visiting. Words such as “Please”, “Thank You”, “Yes”, “No”, “Hello”, “Goodbye” & “Do you understand English?”.
  • Convert some money into the currency of the place you are visiting
  • Download important apps for your phone which can help you with language translation, GPS, commute and currency conversion.
  • Try to be relaxed and calm if you suffer from aerophobia. And if you have motion sickness, mention it to the flight stewards so that they can help you out, if need be.

We hope this article will give you enough inputs to plan your first overseas travel with Loan Singh. Travelling is great fun if done properly and without stress.

What are some of your first time experiences while travelling abroad? If you have more tips, please do share them in the comments section below.

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