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Niche Topics (Money and Lifestyle) is about helping you manage your finances so that you live comfortably within your means. We share frugal living ideas such as save money around the house, cheap to make recipes, budget-friendly solutions for everyday living, recycling crafts, helpful hints to buy things without getting burned, and many more!

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How to Fund Your Family’s Summer Vacation with Holiday Loans




By Robert Bank


Is your daily routine taking so much of your time that you feel zapped of energy at the end of the day? When was the last time you took a break from your work? How long has it been since you and your family have gone on a summer vacation together? Well, in today's age of consumerism, yearly family vacation has become an essential part of maintaining sanity for many people, and summer is the perfect time to do so. However, insufficient money on hand to fund your vacation can be a real stumbling block.


A holiday loan or vacation loan can be the answer to your money woes. Most people use a secured holiday loan to fund their dream vacation. These loans usually require you, the borrower to have a good credit record and a security such as your car, home or land property.


Secured loans offer better interest rates than unsecured loans and are also easier to obtain for those with a bad credit history. Secured holiday loans offer lower interest, longer payment periods and flexible terms. Holiday loans are payable from 5 to 25 years and the loan amount will depend on the value of your security. Unsecured holiday loans come with low amount but does not require any security against the loan.


The loan amount usually ranges from £1000 to £25000 for a period of within 6 months to 10 years. Through holiday loans, you can use the money to fund your family's dream vacation.


However, you must always remember, once your vacation is over, you will still have to repay your loan. Therefore, it is wise you plan ahead and think very carefully how you intend to pay your loan even before deciding how much of a loan you will need. A loan for just £5000 can still take long time to repay. If you do not want to still be repaying your loan when the following year's holiday season comes around, consider a smaller loan, or maybe even a less expensive holiday.


Examine your current financial situation. Are there any unpaid bills in your credit card accounts? If you are still juggling on paying off your debts, it is definitely not a good idea to sink into another debt and splurge on a very large holiday loan even if your lender allows you to do so.


Ask yourself, do you have a steady job which can see you through out the loan's repayment period? Do not forget, your property is securing your holiday loan and it would be extremely devastating for you and your family if you fail to make the necessary payments on time. If the worst case scenario, you could lose your home and your property.


If after thorough consideration,you decide to get a holiday loan, then your next step is to do your research. The Internet is a convenient place to start; you can get holiday loan quotes online from various lenders, loan companies, banks and other financial institutions, and make an online application for these loans.


Online application for holiday loans has neither any charge nor any obligation fee. It also makes process easier and faster. That means, less paperwork and documentation, less running around, and less hassles.



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holiday loans