Calculate Your Personal Loan EMI
Taking an international holiday package on EMI means you can book an overseas trip now and pay for it in equated monthly instalments. Instead of paying the whole amount upfront, you convert the trip’s total cost into EMIs, spreading payments over a tenure of your choice, usually at attractive interest rates. When you finance your trip through a Personal Loan, you keep your savings intact and plan a suitable itinerary long before departure.
When you book international holiday packages on EMI, you can travel now and pay later. This means you can enjoy your vacation worry-free, while preserving your savings.
Large costs associated with travel can be broken into small monthly payments to ease financial constraints and avoid affecting your current budget.
You can book premium travel packages while your cash flow isn't under pressure, as you can pay for your costs in EMIs.
With little paperwork, there are immediate approvals, so you can quickly book international holiday packages on EMI.
There are repayment tenures from 12 to 36 months, where you can make comfortable EMI repayments.
EMI plans can be cost-friendly with competitive interest rates, thus lowering your overall travel cost.
You can fund your vacation with loan EMIs without disturbing your emergency funds and savings.
Hero FinCorp allows fast approvals with basic paperwork and formalities. We are one of the best loan providers for holiday EMI packages offering flexible tenures and attractive interest rates.
With the international holidays EMI plan, you can spread the costs over 12 to 36 months. Hero FinCorp offers low interest EMI loans for travel, no collateral requirement and transparent charges, making global trips affordable. Here are the flexible EMI plans for various tenures:
| Loan Amount (Rs) | Tenure (Months) | Interest Rate (p.a.) | Monthly EMI (Rs) | Total Interest (Rs) | Total Amount Payable (Rs) |
|---|---|---|---|---|---|
| 1,00,000 | 12 | 19% | 5,805 | 10,298 | 1,10,298 |
| 1,00,000 | 18 | 19% | 6,088 | 15,699 | 1,15,699 |
| 1,00,000 | 24 | 19% | 6,378 | 21,185 | 1,21,185 |
| 1,00,000 | 30 | 19% | 6,676 | 26,845 | 1,26,845 |
| 1,00,000 | 36 | 19% | 6,981 | 32,646 | 1,32,646 |
Check out the basic personal loan eligibility for an international holiday on EMI:
| Eligibility Criteria | Requirement |
|---|---|
| Age | 21 to 58 years |
| Citizenship/Residential Status | Indian citizen only |
| Type of Employment | Salaried and Self-employed |
| Minimum Monthly Salary | Rs 15,000 |
| Minimum Work Experience | 6 months (salaried), 2 years (self-employed) |
For booking holiday packages on EMI, Hero FinCorp has a complete digital process; you just need to have documents handy to get instant verification. Here is the list of documents required to avail a personal loan from Hero FinCorp.
Get a clear understanding of personal loan interest rates and fees for travel packages on EMI
| Charges | Details |
|---|---|
| Interest Rate | Starting at 19% p.a. |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350 |
| Interest on Overdue EMIs | 1–2% of the loan/EMI overdue amount per month |
| Cheque Bounce | Fixed nominal penalty |
| Loan Cancellation | Online loan application does not charge any cancellation fees |
| Interest amount paid is non-refundable | |
| Processing charges are also non-refundable |
Follow these steps to apply for a personal loan, so that you can book holiday packages on EMI smoothly:
Go to the Hero FinCorp website or download the loan app.
Visit the ‘personal loan’ section and click 'apply now’
Enter your mobile number and authenticate with the OTP received
Choose your loan amount and tenure as per your requirements
Proceed to KYC verification to verify your income eligibility.
Click 'Submit' and wait for approval.
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