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)
With this kit, I was able to control the lighting really well when filming on a sunny day. It’s a simple piece of kit, but as a first-time user, I would have appreciated at least a brief set-up guide.
A high-quality looking grey filter package. It comes with an adjustable filter that screws into the lens, a quick release ND16 filter and plug, and a storage kit for the filters. The kit also includes a pin and a spare pin for the adjustable filter.
The quick-fix works by friction, i.e. the additional filter and plug are simply pressed onto the bottom filter. At least when new, it works well. Also the colours seem to remain unchanged as promised in the advertisements. The adjustable ND1-5 filter is a bit stiff to rotate on its own without the pin, but with the ND16 filter it is easier to rotate. A plus for the included spare pin. The ND16 filter and the dowel have pre-drilled holes for the pin, so there's no need to unscrew the pin for either.
The storage package is a practical solution for storing and transporting filters. It has a total of eight pockets, but I suspect it will only hold 6-7 filters.
To sum up, I would say that for the price it is a good package. The only thing that is missing is some kind of quick-fix for the adjustable strainer.