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)
I've been using a pair of Hähnel Captur for 6-7 years now, which sends a signal to the Captur Receiver which in turn triggers the camera. In addition, there has been a Captur Transmitter with which you can trigger the camera as if from the side if you suspect that the target does not hit the ir-beam of the Captur-pair.
The batteries last for a good 24 hours and even a couple of days in summer. Good frost tolerance. At 15 degrees below zero it has been in use for a couple of weeks without any problems. Transmitter has gone dead once. In the rain I've kept the cover on just in case.
I couldn't get it to work. For some reason the focus point locked, and I couldn't move it out of the camera. I replaced it with another product.