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)
The lens has delivered on all its promises and, on the other hand, the known developments are not a hindrance. The lens hood is a bit of a puzzle to attach, and the position of the zoom ring may take some getting used to. Compatibility with the Sony a7RV so far flawless!
The nature photographer needed light in dense forests where daylight is not readily available. In these areas, long telephones are not useful when distances to the subject are shorter. A test drive was carried out in the forest on a winter morning and the photographer was lucky to find a nimble snowdrop as a model. The print was really good and I was really pleasantly surprised by the quality of the images.
I almost always zoom in at 200mm with this, so the position of the zoom ring is not a problem. However, if the zoom should be used frequently, the placement is a bit impractical.
Thanks also to Fotomonza for a really good and prompt service!
This is my first zoom lens for a Sony system. I have the A7iii and A7iv as bodies.
Now we have one wedding shoot with Sigma behind us. Here is a brief summary of the experience:
Positive:
- image quality is excellent throughout the entire image area, in my experience very close to, for example, Sony's FE 135mm f1.8 lens.
- you can shoot at full aperture without worry.
- works well with backlighting, very little flare and good contrast retention
- minimal colour distortion
- af was a positive surprise, the focus is fast and the proportion is really well on target
Things to improve:
- backlight protector a bit clumsy; difficult to use and cannot be held in place when turned ”upside down”, as you can't reach the zoom ring.
- a zoom ring at the end of the lens; it feels a bit strange to use, at least at first, but I think you'll get used to it.
All in all, I am very happy with the lens and based on my current experience I would say that the price/quality ratio is very well balanced.