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 neat and high-quality lightweight lens. Excellent sharpness almost to the edges, even at full aperture! Compared to the 12-40 f 2.8 Pro, it's slightly second at 2.8 aperture, only at the edges. 4.5 stars for this. Even if the lens is not intended for rainy weather: the price-quality ratio is stunning!
Monza's delivery was prompt and professional
especially for portraits. Even an amateur can get great pictures with this, even my wife did it
I bought a Panasonic 20mm f1.7 II and I am very happy with my purchase. I was looking for a small and powerful normal lens and this Panasonic gem meets all my criteria. The lens is incredibly sharp even at full aperture! Great for indoor photography thanks to its brightness and focal length. When shooting video, there is a slight focusing noise, but I don't mind.
For a long time I thought I could manage with the old Olympus OM 50mm, but yes, the scarce autofocus is more convenient at this focal length. The mechanical construction is ok and the draw is very sharp. A lightweight and handy travel lens, which also looks good with the Panasonic GX80.