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- Should you take a Personal Loan to fund your honeymoon trip
Should You Take A Personal Loan To Fund Your Honeymoon Trip
Your honeymoon is one of the first and most memorable trips you will take with your spouse. If you’re very lucky, your friends and family might choose to gift you a fully paid trip.
However, like most couples, you might be faced with the daunting task of choosing the right way to finance your travel.
In this scenario, a Personal Loan for travel, or ‘travel loan’ can come in handy. However, before you make a decision, there are some important factors to consider:
- Your financial condition - It is important to consider how much of the expenses of your trip can be covered through your savings. While opting for a loan, first check your eligibility amount before deciding on a budget. You might have underestimated or overestimated the amount. Either way, there might be a surprise in store.
- Estimate a Budget - It is crucial that you arrive at an estimated cost of your trip. While doing so, always assume the highest possible spends on a per day basis. It may help to factor in the places where you will most likely spend your money. While you can pre-book your flight tickets and hotels, you will need money for everyday expenses as well. You may end up estimating a lower amount thinking you will cut back on your daily spends. However, it is not unusual to get carried away in the excitement of your exotic trip. It is after all a very special trip and you should not hold yourself back on making it memorable.
- Timing of your trip - The destination you’ve chosen will have seasons or months in a year with high footfall. The costs are usually high during such times. It is important to consider this before budgeting your expenses.
- Repayment Amount - Repayment is an important factor to consider. Speak to your spouse and figure out an amount you will be comfortable shelling out every month post your trip. While opting for a personal loan, you can choose from a range of interest rates and repayment options.
All factors considered, choosing a Personal Loan for your travels can help guarantee a stress-free romantic holiday.
Know more about the benefits of a Personal Loan for your wedding.
Click here to apply for a quick and easy HDFC Bank Personal Loan.
* Terms & conditions apply. Personal Loan disbursal at sole discretion of HDFC Bank Ltd.