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)
Works exactly as I expected, I'm happy! With the Nikon 200-500 it's great to ”mess around”!
The price/quality ratio is right on target. Works really well at least with the Sigma 150-600mm, moves smoothly.
High quality swing, works great with bigger and heavier pipes. Fifth star drops due to slightly stiff greasing, and the quick release plate could be longer. Price/quality ratio excellent.
Otherwise, it would be very good, but turning the swing up and down and tightening it in place is a completely wolf solution, the swing itself will adjust up/down to any point, but turning it around its axis means you can't adjust it exactly where you want it.
I do not recommend!
Carbon fibre gimbal at the price of aluminium. The price-quality ratio is more than right. It's hard to think of a reason to pay up to three times more for a gimbal, especially as it comes with all the necessary parts. The workmanship is excellent and the function is precise.