Instalment payments – Avarda overdraft facility
Pay for your purchases flexibly in monthly instalments. The credit is provided by Avarda Bank AB, Finnish branch.
- Credit limit: €1,000–6,000, subject to credit approval
- Payback period: up to 48 months – you choose
- Interest rate: variable, 15 % + reference rate (currently totalling 17.5 %)
- Account management fee: €0–5 per month
- Minimum monthly instalment: 8 €
- You can pay off your loan at any time without incurring any additional charges
- One payment-free month is possible, provided payments have been made on time for 4 months
- Requirements: you must be of legal age, have a regular income from employment or a pension, and be able to verify your identity using your online banking credentials
Sample calculation
A purchase of €1,000, repayment period 12 months, nominal interest rate 17.5 % (15 % + reference rate 2.5 %) and an account management fee of €5 per month:
monthly instalment 96,44 €, the total cost of the loan 157,31 €, total amount payable 1 157,31 €, the actual annual interest rate 31,72 %.
Please note! Taking out a loan comes at a cost.
Credit is granted on the basis of an approved credit decision. The reference interest rate is reviewed on 1 January and 1 July. Further terms and conditions: Avardan’s credit terms and standard European consumer credit information (PDF)
It's a pretty good box.
The instructions are not the best, but the assembly was successful. Basically easy to assemble, but you don't want to disassemble it after assembly.
”Attaching the ”backing" (plastic) with clips requires dexterous hands as the plastic slips easily off the clips.
This will get you neat product shots without any studio experience, but requires some knowledge and skill (+ image processing) to get the so-called perfect shots.
It's also worth considering the size of the product - too small and you won't do anything with it, and a bigger box already takes up a lot of storage space. In a 40 cm box you can shoot a maximum of about 25cm objects.