Not to Lose Money: Know Your Rights as a Passenger


For those who follow the blog for a while, you have already realized how much we like to talk about traveling. Even because it involves a very good period, rest and walks. But while much good happens, bad things can happen . Even more in periods that there is a very large travel flow, such as on vacation, for example. Therefore, it is necessary to know your rights as a passenger to avoid perrengues .

Read also: Learn to travel spending little

But before you write down your rights as a passenger, know that you have to differentiate international flights from nationals . This is because Brazil has signed the international commitment of the Montreal Convention , which has put into effect some rules for international flights. Which are different for nationals.

The main one involves money, of course. In this case, it is in relation to the indemnity limit values . For international flights, certain values ​​were stipulated for certain cases, regardless of the situation. Already, for domestic flights, there is no established limit, because it depends on the case.

Check the table:

Late Flights
  • International: Approx. R $ 18,699.90
  • National: It depends
Lost bag
  • International: Approx. R $ 4.506,00
  • National: It depends
  • International: Approx. R $ 2,253.45
  • National: R $ 1,126.72
Accident and death
  • International: R $ 450,600.00 (per person)
  • National: It depends

Late Flights

Late Flights

This is usually common in many airports, not just from here in Brazil. And they cause many inconveniences between passengers and airlines. But did you know that you have a way to demand some things if these delays occur?

Not? See now:

  • Any delay: The company must update the information every 30 minutes
  • More than one hour: The company must provide communication (internet, telephone, etc.)
  • More than two hours: The company must provide power
  • More than four hours: The company must provide food, lodging (only in case of overnight at the airport) and round trip transportation

Bad stray

Bad stray

Although delays cause inconvenience, having your bag strayed is one of the biggest headaches you may have while traveling. After all, your belongings are no longer with you. And on this, the airline has 21 days to find and return, in the case of international flights .

In nationals, the deadline is one week .

Domestic Flights

Domestic Flights

Few people know about their rights as passengers on domestic flights. Mainly on the rule that the airline must inform the cancellation of the stretch with up to 72 hours in advance . When this happens, the passenger may choose to either re-arrange another flight or make a full refund.

If you choose to relocate , you can catch a flight on the date and time you wish. You can even choose another company, if you want. In the case of reimbursement , if the passenger is able to take advantage of some portion of the flight, the reimbursement becomes partial instead of integral.

Not to stress and end up losing money during the trip, it is crucial to know your rights as a passenger.


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Confused About Personal Credit Options?

Decided to take out a loan and you are confused about which option is best for you? First, know that offering collateral to the financial institution, such as a vehicle, is a way to lower the interest rate. But remember that if you delay the payment of the installments, you may lose this good.


The interest rate also represents the level of risk that the financial institution sees in you. A public servant, for example, has a much lower risk of becoming unemployed and losing income than a privately-employed employee. Therefore, the interest rate is lower for those who work for the government.

Know the types of personal loans and see the pros and cons of each.

Personal loan

Personal loan

The “common” personal loan is like buying money from a financial institution. The price to access these resources is the interest rate that will be added to the monthly installments. In this option, you do not need to give any good in guarantee and the payment is done via ticket or automatic debit. Only individuals can apply for a personal loan. Generally, there are options already pre-approved in your bank, but it is essential to research before closing the contract.

Payroll loan

Payroll loan

The payroll loan carries the installments already deducted from the worker’s payroll. The risk is low for the financial institution, which helps to lower the interest rate. Retirees, INSS pensioners, public servants and private sector workers can apply for a loan, but some details need to be checked.

1 – The interest rate is lower for retirees, pensioners and public servants because the risk of wages being paid is very low.

2 – For workers in the private sector, it is necessary to research if your company has an agreement with some financial institution. It is more common for large companies to offer payroll than small and medium-sized companies.

3 – The granting of payroll loans depends on how much your income is committed, which is known by the term assignable margin. The limit is 35%, that is, the maximum that a portion can represent of your remuneration.

Loan for anticipation of 13th salary or Income Tax

Loan for anticipation of 13th salary or Income Tax


The anticipation of 13th salary and the restitution of the Income Tax are good options for those seeking an emergency loan. That means they are values ​​you already know you will receive, but you agree to pay a price (that is the interest rate) to anticipate them. This is done through your bank. When you receive the 13th salary or the refund of the Income Tax, the money is automatically deducted to pay off the debt.

The anticipation of this money brings a built-in cost to the consumer in the form of interest rate. Therefore, it is worth comparing with other rates and loan lines to know if the deal will be advantageous for you.

Credit with property or vehicle guarantee


Credit with property or vehicle guarantee

Do you have a property or vehicle? You can leave them as collateral and ask for a loan. The interest rate in this case may be lower than the average because if you fail to pay, the financial institution can take your asset as a counterpart to the debt repayment. Therefore, the risk to those who delay is greater because it involves the loss of a good. This possibility must be taken into account prior to the option for a secured loan.


The hiring process is very simple: in 5 minutes you hire the loan that best fits your financial profile. But do not forget: It is important that your loan does not commit more than 20% of your monthly income!

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Loans with guarantor up to € 5,000

Back to the origins

Historically, in the beginning, banks worked with people and trust between them. If you wanted a loan, the local bank’s requirement was to have a trusted person to guarantee it. Then things changed, and it was the automated processes through computers that took over your credit, limiting the number of concessions because the credit rating or solvency was not adequate. We know how a person who is denied a loan feels and that is why we have created MoneyMas, a loan company that modernizes the granting of loans, returning to the origin.

Decisions made by real people

loan access,cash

We do not allow computers to decide if our customers can access a loan. The most important thing for us is that you have the necessary capacity to be able to repay the loan and have a friend or relative who trusts you in order to guarantee the repayment of the loan in case you do not do it. Before granting any loan, we will have a telephone conversation with you and your guarantor. Our decisions are based on common sense.

No additional costs

additional  loan costs,money

When hard times come, the last thing you need is for someone to take advantage of your money. We can only charge expenses for late payments.

What happens when things go wrong?

We collect the maturities in the same way that any lender would. If a payment is not made when due, we will send you an SMS to remind you. If we still do not charge you, we will call you and send you an email to find out if something is wrong. Our priority is to solve the unpaid due date so that it does not become a bigger problem. Obviously, as our loans are guaranteed by a guarantor, if a borrower does not pay it will be the guarantor who will have to do it. In very unusual cases, when we do not charge either the borrower or the guarantor, we will pass the case to our recovery department.

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What loans does offer? All the details to take into account

If you are a La Caixa customer you can benefit from the loans for individuals offered by the entity.

So we recommend you take a look at the selection of personal loans available, and what you choose the most appropriate depending on which are your Jules Maigret.

What loans does offer?

From La Caixa we offer all types of “Family Illusions” loans to adapt to our Jules Maigret, and in the loans section you can see the different categories:

  • For your family
  • For your vehicle
  • For your plans
  • For your home
  • To buy housing

Depending on your need, you can click on the type of loan that interests you most directly on your website to learn more information.

Family Loan

Family Loan

If you need a loan to enjoy your trips and family projects now you will have the opportunity to request it. You can also take advantage of this loan Family if you need to buy new furniture to redecorate your home or even to make a reform.

These are some of the conditions of the loan:

  • Loan: Up to € 60,000
  • Repayment period: Up to 6 years to return it

In Jules MaigretJules we recommend you to use the calculator provided by La Caixa to know what your monthly payment will be according to the loan you are going to request.

Auto loan

Auto loan

If you need credit to finance a new car or motorcycle at La Caixa you will have at your disposal the Auto loan, which offers you more flexibility.

Among the advantages to be highlighted:

  • Lower initial fees. This is a possibility that you will have, because they will allow you to leave up to 30% of the amount to pay at the end of the loan.
  • Repayment period: Up to 8 years to return it.

Loans for your plans

Loans for your plans

Within this category you will find:

  • Express loan: From € 500 with a repayment term of 3, 6, 10 or 12 months
  • Express Loan Studies: With the same conditions as the express one but directed to university studies, master’s degree, courses abroad and expenses of return to school
  • Erasmus + Master Loan: up to € 12,000 for 1-year studies and € 18,000 for more than 1 year. To take a master’s degree in a European university. With amortization to 5 or 6 years, and with an annual interest rate of 5.15% during the entire loan. Without endorsement
  • Credit Study Course to Course: Financing for studies, including enrollment and associated expenses. Credit of up to 6 years and amortizing the capital during the course.

Mortgage loans

Mortgage loans

In La Caixa you will find two options to buy a home.

  • Fixed Star Mortgage 20: Fixed interest rate (3.30% without bonus products, 2.10% with maximum bonus) and maximum repayment term of 20 years.
  • Fixed Star Mortgage 30: Fixed interest rate (4.15% without bonus products and 2.95% with maximum bonus) and amortization period between 20 and 30 years.

In both mortgage loans the interest rate can be improved by contracting linked products, and with a maximum bonus of 1.20%.


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Personal Loan for Debt Consolidation


We discover the online loans offered by Pythony, which undoubtedly represent an excellent solution if you are looking for a loan for your existing debts. On this page we will provide you with all the useful information regarding personal and changed loans, the opinions of customers who have received a loan, the contacts and addresses of the Pythony branches.

Personal and changed online personal loans: characteristics and guarantees required

Personal and changed online personal loans: characteristics and guarantees required

If you have done an online search for loans you will surely have noticed the enormous competition that exists in this field, with many interesting products offered by different companies. Among these we want to present the online loans of Pythony, an authorized agency that has been on the market for over twenty years. Visiting the company website you can find all the information about the different types of financing studied for their customers, who will be able to find the solution that best meets their needs. In particular, personal loans solutions are available for employees and pensioners, but under certain conditions it is also possible to access the loans that have been changed. These categories of customers have the possibility to obtain the desired amount of money by presenting the paycheck or pension slip.

The personal loan option proposed by Pythony to its customers is that of the assignment of the fifth. This type of loan is characterized by the fact that repayment installments can not exceed one fifth of the salary or net pension received, which guarantees customers particularly light installments. The reimbursement is made by direct debit on the salary or pension, with the advantage of not having to worry about making the payment every month. With online Pythony personal loans you can request up to € 75,000, which can be used for any type of expense as it is a non-finalized loan. Considering the constraint that concerns the maximum installment, in some cases it is necessary to choose a rather high duration to obtain a sum of important money, but this entails a higher cost for the interests. To know the characteristics of the proposed loan it is possible to request an online estimate, very useful for comparing the conditions of the loan with those offered by the other companies.

To meet the needs of those interested in setting a higher repayment installment in order to save on interest, Pythony offers the possibility of receiving the so-called Loan with Delegation. The characteristics of this loan are the same as the transfer of the fifth, with installments that do not exceed 20% of the salary or pension received and the maximum amount that can be requested of 75,000 euros. The feature that makes this type of financing very interesting is that it can coexist with the sale of the fifth. This means that if a customer has already received a loan, Pythony can request another from the same conditions. Therefore, the total monthly amount to be paid considering the two loans will be at most two-fifths of the salary or pension. If you want to save on interest by setting a higher monthly payment, then the best solution is to divide the amount you need between the sale of the fifth and the loan by proxy, both offered by Pythony.

The two types of online funding offered by Pythony are certainly very interesting, but as we said, they are aimed exclusively at public and private employees and pensioners. Is it possible to receive a Pythony online loan if you do not have a paycheck and do not receive a pension? The solution in these cases is represented by the changed loans. This type of loan is not reported on the company’s website, however, by going to the branch and presenting some alternative guarantees, it is possible to obtain the desired loan. In particular, if you are self-employed you can file your tax return to show that you have adequate income to face the monthly repayment installment. Among the possible solutions to receive a cambialized loan, Pythony is also the presentation of alternative income to the payroll such as that deriving from the rent of a house, which can be mortgaged to receive high amounts. Finally, through the presentation of a guarantor who owns a paycheck or a pension, most likely the Pythony consultants will have no problem in granting the changed loan.

If the guarantees presented are considered sufficient, the sum of money will be disbursed in a short time, while for the repayment a fixed installment and the interest rates will be defined according to the duration chosen for the loan. The agency Pythony will issue bills of exchange specifying the amount to be paid and the due date. In case of non-repayment the credit institution has the right to proceed with an executive act before a judge to claim the amount that has not been repaid. To obtain this amount of money the company can proceed with the confiscation of the debtor’s assets, which is why it is good to pay close attention to the loans changed, setting a monthly payment within our reach.

Reviews Online Loans: customer reviews about the company

Requirements Findomestic Loan

If you are interested in online loans offered by Pythony it can be very useful to take a look at the reviews of customers who have received this type of financing before you. To find out if the opinions of users on this company are positive or negative, we visited the main sector forums. From the reviews we have found, we can safely say that Pythony is an absolutely reliable loan agency, as confirmed by its clients. Among the features that are most emphasized in the positive opinions published by users is the speed of delivery : apparently in fact usually just a few days to have available the amount of money required. In addition, Pythony online loans are very convenient, especially as regards the sale of the fifth of the pension. In fact, thanks to the agreement with Inps it is possible to obtain the best interest rates in circulation.

Finally, a very important aspect is also the availability of the credit institution to solve any type of need or problem. From this point of view, Pythony is promoted with full marks in the opinions published online by clients, who underline how the company’s consultants are very prepared and extremely available. For completeness it is good to report also the less good aspects reported in the negative opinions, in a significantly lesser number. Mainly the reasons why bad reviews are posted is when the loan request is rejected by the company. Some complain that they have waited too long to get the requested amount, probably due to problems related to their practice. Considering that most customers are fully satisfied with the service received, we encourage you to recommend Pythony online loans to our readers.

How to apply for Pythony Loans: contacts and branches, how to find the nearest one

To conclude our analysis of Pythony loans, personal and changed, let’s see how to receive more information and how to apply for funding. If you want some clarifications about the products offered by Pythony or you want to receive a quote presenting your economic situation and your needs, the customer support service is active, through various contacts. The toll-free number 800 135 913 is available by phone, completely free and useful for any need. 

To request a Pythony loan, the best thing to do is undoubtedly to go to one of the over 70 company branches present throughout Italy. You can search for the nearest office via the credit institution’s website. To do this, simply enter your position, specifying the city of residence, your address or the zip code. You can also specify the radius of km in which to look for the Pythony branch, in order to obtain only the list of the nearest ones. For each company office the address and useful contacts are specified, ie the telephone number, fax number and email address. In this way we can contact the branch to receive information and make an appointment to request the Pythony loan to which we are interested.



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