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)
A lightweight and compact lens for street photography, for example, it doesn't weigh much and still produces a really good image. The bayonet mount is plastic, but for me it's not a threshold issue, doesn't affect image quality and I have no problems with it. The backlight protector that comes with it is quirky, but works as well as the others. The focus motor is quiet for shooting, but makes a little noise that is audible in video, this has to be taken into account; I didn't get this lens as a video lens so it doesn't matter and anyway I record the sound on a separate digital recorder. If I had to choose one lens, it would be this one.
A great acquisition for ZFC.
+ small and lightweight
+ large aperture (f1.7)
+ draws really nice