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Ein Urlaubskredit ermöglicht die Finanzierung des Urlaubs auch dann, wenn die benötigte Summe nicht sofort zur Verfügung steht. Wann sollte man einen derartigen Kredit beantragen und wann nicht? Viele Reiseveranstalter stellen den Interessenten Urlaubskredite zur Verfügung. Als Urlaubskredite werden Kleinkredite bezeichnet, die als Ratendarlehen vergeben werden. Die Konditionen des Urlaubskredites sind dabei mit den herkömmlichen Kreditvergaben vergleichbar: Ein wichtiges Kriterium bildet das Einkommensverhältnis des Antragstellers. Die Rückzahlung der Kreditsumme sowie der anfallenden Zinsen erfolgt in monatlichen Raten an die Bank des Reiseveranstalters.
Für die Kreditvergabe findet meistens eine Abfrage bei der Schufa (Schutzgemeinschaft für allgemeine Kreditsicherung) statt und das Einkommen des Antragstellers wird geprüft, der zu diesem Zweck Gehaltsnachweise vorlegen soll. Urlaubskredite werden in der Regel in einer Höhe von 500 bis 3 000 Euro vergeben und werden, wie in der Kreditwirtschaft üblich, mit ihrem Zinssatz an das verfügbare Einkommen des Kreditnehmers angeglichen – höhere Einkommen, die ein niedrigeres Risiko darstellen, werden auf diese Weise geringer verzinst.
Die Reisefinanzierung ist es möglich, auch durch einen Online Kredit durchzuführen. Hierbei ist ein Kredit online Vergleich unerlässlich.
Wem empfiehlt sich die Aufnahme eines Urlaubskredites?
Der Urlaubskredit erscheint als günstige Finanzierung für eine lang gewünschte Reise oder den Urlaub attraktiv, trotzdem sollte man darauf achten, dass dieser Kredit eine oft langfristige finanzielle Verbindlichkeit bedeutet. Meistens ist das selbständige Ansparen einer Urlaubskasse unter dem Aspekt der Vermeidung unnötiger finanzieller Belastungen und Risiken hier sinnvoller als die Aufnahme eines Urlaubskredites. In der erster Linie Haushalte, die bereits mehrere Raten monatlich zahlen müssen, belasten sich finanziell mit einem neuen Kredit erneut dauerhaft.
Auch die Nutzung des Dispositionskredites oder eines herkömmlichen Kredites für den Urlaub ist es ebenfalls wenig ratsam wie ein einzelner Kredit über eine Direktbank oder den Reiseveranstalter – auch hier sollte man mit einer langfristigen Belastung der Haushaltskasse durch die Rückerstattung des Kredites rechnen und vor allem beim Dispositionskredit sind die Zinsen sehr hoch. Aus diesem Grunde ist es besser, für den Urlaub Voraus zu sparen, wofür beispielweise hochverzinste Tagesgeldkonten sehr gut geeignet sind, um jeden Monat Geld für den Urlaub zu sparen. Hier ist die Kontoführung kostenlos und die Finanzierung des Urlaubs findet eigenständig statt.
9 Kommentare to “Urlaubskredit”
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21. Oktober 2009 um 11:19
Ja, dafür ist er geeignet….
21. Juli 2010 um 08:59
Lohnt sich das wirklich? Sollen wir immer von Krediten leben? für mich ist es besser, ohne einen Urlaub zu leben, statt mehr Geld danach zu schulden.
10. Januar 2014 um 09:14
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