We all want to leave our comfort zone to go on an adventure and discover other cultures, other countries. In addition, it happens that employees take a sabbatical year to travel the world. Indeed, the law indicates that an employee can request up to one year of leave without pay.
This request for leave is subject to a collective agreement and the company also reserves the right to refuse it. However, if it accepts, it is a suspension of contract, so you will find the same position when you return. Thus, leaving a year can be risky, it is worth providing a solid enough cash to finance your trip and the cost of living during your stay. A loan can facilitate the financing because you will reimburse the cost of your trip through different monthly payments.
You want to travel, but you do not have enough money? Think of the travel credit to organize it without waiting. The refund will be smoothed over a period of 2 years to 6 years, which will allow you to maintain your purchasing power with monthly payments controlled. With the Creditstair Travel Credit Simulator, you can accurately estimate the monthly payments you will have to make each month if you want to take out a loan to finance your stay. Before embarking on this process, consider estimating the cost of your trip (flights, trips, accommodation, visits, cost of living, etc.). Then you could easily calculate the amount of credit you want, subtracting your personal contribution from the cost of your trip. Thus, the remaining amount will be the amount of your credit application that will complete the financing of your trip.
The travel loan simulator offered by Creditstair works like a loan calculator, but in a much more efficient way. In fact, you only need to enter the amount you wish to borrow and the repayment period, and click on “simulate this loan”. After this step, you have all the information you need to evaluate your credit: the monthly payments you will have to repay, the APR (Total Annual Effective Rate) and the total cost of your credit.
The simulation of your travel loan will give you all the keys to make your decision. You can also study all the solutions to know how to finance your trip and make the best choice. You can compare the different rates offered depending on the duration, because it may be different and you may have a lower APEG (Annual Effective Rate) in some cases. Do not forget the monthly cost of the monthly repayment of your travel credit.
In compliance with the legal period of withdrawal. In order for your file to be analyzed by the Creditstair team, all you have to do is follow all the instructions on it. In the first place you must be aware of the various provisions of this contract, then you can fill this file with the requested information.
As indicated on the file, you must attach supporting documents, the full list of which can be found in the credit file. Usually you will need to provide a photocopy of your ID card, your last pay slip, a RIB and your most recent bank account statement. These elements make it possible to quickly analyze your file, which means that if it is finally accepted, you can receive the funds in record time on your bank account. You can start thinking about organizing your trip without waiting!