Tourism: How to finance a trip abroad despite lack of quotas

In the midst of the uncertainty and discomfort that impacted fully on the tourism sector, the restrictive scenario gives way to the emergence of a new legal rulAFIP.

AFIP zero rate credits are the financing lines promoted by the Ministry of Productive Development, which will be processed through the fiscal body website, and that guarantee the disbursement of up to $ 150.000 on a credit card, according to the category.

The amount of the loan that each monotributist will be accessed will depend on the category of its monotax prior to recategorization (which was in force to June 30):

Category "A": Up to $ 90.000

Category "B": Up to $ 120.000

Rest of the categories: up to $ 150.000

Credits at zero rate are credited on the credit card of the bank that is reported at the time of the application.Those who do not have a credit card must indicate the bank with which they usually operate or the one they choose to process their card.In both cases, whether or not they have a credit card, credit management with the selected bank management must end.The total amount of the credit will be disbursed and accredited in a single quota.

Credits at zero rate 2021 begin to be returned at 6 months of disbursement.Once this period of grace is finished, the credit will be canceled in 12 consecutive and identical monthly installments.

Conditions

Otras opciones

There are other financing alternatives, savings tactics such as starting from neighboring countries and other maneuvers still allowed to cushion the impact.

The plane passage can be the heaviest spending of an international trip and a known option is to get a loan in a bank or a Fintech.You can also, after paying with the card, refinancing the amount at 6, 12 or more quotas, but the problem is that high interest is applied.

Also a less traditional mechanism, such as cuotifying spending.An operation that does not have financial surcharges and that from the new restrictions began to gain ground among travelers.

The secret is to subscribe to the different "mile clubs" that the airlines have and that make it possible.

Buy directly in installments a ticket with the card you can no longer, but acquiring miles every month yes.

Así funcionan los "clubes de millas"

The main airlines of the country and the world have mile plans obtained, either by trips made or by their direct purchase and, through them, passengers can fly by extinguishing miles for tickets, either in thesame company or some of those associated.

Some programs even offer the client to join a "club" to receive a certain amount of miles every month, even if they do not make any trip.

The mechanism is to pay a monthly fee with the credit card, so that, the higher the amount of the subscription, the more miles they will be added monthly.

Ahorrar en millas

According to Smiles Argentina, one of the current memberships, these "are a good option to accumulate miles every month, and then redeem them for domestic, regional or international flights".

"Belonging to these clubs allows miles to join faster, at a lower price and with greater validity.In turn, exclusive benefits are accessed such as special promotions, differential rates in aerial tickets, extra miles when redeeming the points of the associated banks and discounts on mile purchases, "they say.

By belonging to a Miles Club, it is accessed at differential prices and exclusive discounts to fly to the main destinations.

Some clubs offer to pay the subscription in pesos;Others, in dollars.According to the case, miles can last 3 to 10 years without being enough.And, when buying the ticket, if the miles do not reach, they offer to acquire it by combining points with money (pesos or dollars).

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On the other hand, the miles of the clubs are complemented with those generated by making consumption with cards from the allied banks of each program, and with those received when flying in the associated airlines.

Club Smiles, de la brasileña Gol

Smiles, the Million Program of the Brazilian airline goal, offers in Argentina a monthly subscription scheme called Club Smiles, with plans for different pockets and traveler profiles:

Club 1.000.Add 1.000 miles per month.It costs $ 950 per month.

Club 2.000.Sum 2.000 miles/month.It costs $ 1.750/month.

Club 5.000.Add 5.000 miles/month.It costs $ 4.400/month.

Club 7.000.Adds 7.000 miles/month.It costs $ 5.600/month.

Club 10.000.Add 10.000 miles/month.It costs $ 7.500/month.

Club 20.000.Sum 20.000 miles/month.It costs $ 14.400/month.

These miles have 10 years of validity.As a reference, this Wednesday you could redeem round trip from Buenos Aires to Rio de Janeiro with goal for April by 88.100 miles, or 65.500 miles plus $ 15.100.They also offered Miami Tickets by American Airlines for March 150.800 miles, or 67.100 miles plus $ 64.900.

These are final values with all taxes and fees.In the monthly quotas of the club the partner does not pay 65% of "dollar card" (30% country tax and 35% perception), but this is included when redeeming points for tickets that are not cabotage.

An interesting option is the so -called "easy trip", to "broadcast without miles": they allow you to reserve tickets up to 330 days before the game, freezing the rate, but pay them with miles and/or money only 60 days before the shipment.

Among the more than 50 airlines linked to Club Smiles are, in addition to goal, Aerolineas Argentinas, American Airlines, Air Europa, Aeromexico, Avianca, Copa Airlines, Air France, KLM, Air Canada, Iberia, Sky, Emirates and Ethiopian.

Aerolíneas Plus de Aerolíneas Argentinas

All award tickets issued with miles from the Airline Plus program are subject to Plus Fee airlines, according to the destination of the issued ticket and the concept of related management.

Miles value

Miles value: 1000 miles = USD 30,00 (se aplicará el cambio vigente el día de la operación).Minimum purchase: 1000 miles. Los premios emitidos con millas compradas estarán sujetos a las Conditions Generales del Programa Aerolíneas Plus.

Use of miles

The issuance of prize tickets is subject to the availability of seats in the requested prize class and the total miles must be available in the account balance.The miles detailed in the redemption table correspond to the flights of Aerolineas Argentinas.The seat offer will be limited according to the destination.Once the tickets will be issued, they will be non -endorsable.

Promotional class

Los premios en Promotional class son restringidos.Reservations and issuance should be made up to 48 business hours before the flight departure.Web reserves and issuance must be made up to 72 business hours before the flight outlet.

Una vez emitido el pasaje en Promotional class, se podrá realizar cambios de fecha y devolución de millas con pago de penalidad.The awards in this class may be per section, that is, it is possible to broadcast a first leg.

Tourist and Premium Economy / Business class

Squares are subject to availability.Once the passage is issued in these classes, changes of date and return of miles can be made.If the passage will not be used, as long as the reservation that would have been confirmed, has been canceled before the flight exit, the miles may be reintegrated.The awards in any of these classes may be per section, that is, it is possible to broadcast a passage.

Club Latam Pass

Although Latam stopped having a subsidiary in Argentina, this company is still an important option to make international flights.And many Argentines continue to be subscribed to Latam Pass, their Miles program, which also offers monthly fertilizers in the country.

Within the framework of a plan called Club Latam Pass, the Chilean and Brazilian airline currently has two memberships, which are paid in dollars:

Basic Club.For US $ 18 per month.Provides 1.000 miles monthly plus 5% discount on mile exchange per tickets, 15% discount on purchase of miles and access to exclusive promotions.

Club Prime.For US $ 50 per month.Provides 3.000 miles monthly plus 10% discount on mile exchange per tickets, 20% discount on purchase of miles and access to exclusive promotions.

Club Latam Pass offers its members extras or "boosters" to improve the plan hired in the months you want.For example, paying US $ 64 more, a 4 plus is obtained.000 miles.And for US $ 100 more, give 7.000 miles adicionales.

In this program, there is a period of 3 years to use accumulated miles.And these can be exchanged in conjunction with those generated by the partner by other roads, such as loading fuel in Shell, when making consumption with the BBVA Latam Pass card or when booking lodging in Booking.

Among the associated lines, in addition to LATAM itself, are Delta, Aeromexico, British Airways, Iberia, Lufthansa, Swiss Airlines, Azul, Qantas, Qatar Airways and Japan Airlines, among others.