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 robust and professional zoom with some extra power compared to a basic zoom. Weatherproofed, it's easier to carry around on trips and has been with me on kayaking trips etc. A plus is also the excellently designed backlight protection.
It'll wash a basic plastic toy zoom right out of the water. Even the sales packaging is convincing. The lens hood came in handy when travelling, gets used more often and takes up little space when it slides onto the tube in the stash. I spent a long time chasing the purchase but I don't regret it one bit.
The focal length at this aperture size is staggering and the sharpness is such that it almost makes your eyes hurt when you look at the pictures. Weather protection is the order of the day and the tube is stiff enough that the lens will work as a hand-held if a passerby in a dark alley tries to rob your camera blood.