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)
After a short period of use, it seems very good for my purposes. I can use it on both my Olympus and Panasonic bodies.
I'm not used to seeing such a good macro lens at such a low price. Lightweight, sharp and 1:1, and the luminosity isn't bad either!
Special thanks to the switch to control only close or only far focusing, reducing the sawing it!
Took a while of practice, but it feels really good, the best macro I have.
Takes practice. I recommend watching a YouTube video on how to use this lens. Great for macro photography. My other macro lenses are Olympus 30mm Macro+ Pico Extension tube 10m + 16mm + Olympus 1.4 teleconventer. Also Laowa 50mm Macro ( handheld )
Just right for my use, no experience with other macro lenses to compare.
Thanks to Fotomonza for the delivery.
T:TK