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 really positive surprise, a small size, surprisingly sharp and high quality lens at a good price.
In terms of price-quality ratio, this lens is unbeatable, sharp throughout the focal length up to 40x30cm prints, also excellent enough for 60-75cm prints with a little sharpening in post-processing. The weakest aspect of the lens is the f/6.7 aperture value at 300mm, which is 0.5EV slower than f/5.6 would be, however this is not a significant problem for those shooting during the visible hours of the sun, i.e. just at sunrise and sunset. For fast moving subjects such as flying birds at sunset/rise, the aperture value will need to be increased to a higher ISO value, which is not a problem for prints of that size up to ISO 3200-6400. Alternatively, the f/6.7 limitation means that this lens is indeed light and small. It can almost always be taken with you as a backup if you have a bag or other means of carrying it, a large jacket pocket will do too. Just having this attached to the body again means that at the end of the day you never feel like you're carrying a super telephoto. Which makes the value of this lens staggering when the use is enjoyable and the lens optically is very high quality, Olympus quality. But the downside of this lightness and small size is that the less experienced user forgets that he is dealing with a super telephoto lens that gives a 4.1 degree angle of view, a 35mm size would give a focal length of 150-600mm, and those who have even seen one know that you don't walk long distances with one, nor do you move by crawling or any other means anywhere near as nimbly as you do with this lens. Sloppy handling with this will be immediately rewarded with blurry images, which can only be helped by a particularly stable shooting style or a monopod / tripod. It seems to go against the advantages of this lens being small and lightweight, and yet you have to use a tripod or some other support if your shutter speed is less than 1/1500 or similar (depending on the situation). The Achilles heel of super telephoto lenses is also a little talked about mirage. Many people are disappointed when they get a telephoto lens and the images are strangely blurry, soft which they can't really explain. This is almost always due to mirages, where the variation of warm and cold air currents causes the light to refract in a wavy way, even from as little as a few tens of centimetres from the lens, depending on the situation. This in turn limits the situations where the photographer can make use of a telephoto lens and especially a super telephoto lens, which in turn makes this lens almost perfect in terms of price/quality ratio because to get the benefit with a much more expensive lens requires much more effort which is not possible for the occasional/seasonal nature/sport photographer and even less for the holidaymaker who just wants good pictures of his trip. This lens would get full five stars if it were dust and rain protected. So that you could shoot with it in the rain for 15 minutes longer without a rain cover, or that you could get a rain cover yourself. But you can't ask for everything but not many people are prepared to stand in the rain without rain protection anyway, so the photographer for whom this lens is intended will be the first to give up.