It's very difficult to get a bank loan in my country because of the requirements. If I was working for a government then maybe it is not too hard but if I was working for a private company then I must be receiving a minimum of $2500 per month to be eligible to apply loan which is understandable. Otherwise if the minimum is a lot lower than that then I bet everyone is probably going on debt. Millions of car and house owners here are still in the middle of paying their debt and are not able to go for a holiday. How easy is it to apply for a bank loan at your place? have you ever applied?