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)
Sturdy and lightweight package. carries easily with you.
The Sirui Traveler 5C is a travel stand, as the name suggests. Travel stands always compromise a little on sturdiness, and so does the Sirui 5C, but what it compromises on sturdiness, it makes up for with its small size and very light weight. Thanks to its carbon fibre construction, the tripod weighs less than 1kg, making it very light even for a travel tripod. There is a hook underneath the stand, where you can add weight for extra stability. The tripod has comfortable, reversible twist locks on the legs and a fused centre tube that can be slightly extended. The downside of the stand is the ball head, which doesn't have a separate pan control. This makes the ball head unnecessary for panoramic photography and also makes it difficult to handle the ball head in general.