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)
Small but sturdy tripod, perfect for travelling!
Lightweight and sturdy for its weight. Perhaps the only drawback comes from the mounting plate screw which could be finger-tightened, now you need the Allen key that comes with the tripod.
I bought this because my current tripod wasn't small and light enough to carry on a plane for family vacations or to take casually with me from the car for short ”photo tours”. Well this one really filled that need and works great, because the best tripod is the tripod you have with you. It even goes in the side pocket of your shoulder bag, not super handy but it goes nonetheless. The only little minus in this product was therefore the fact that at least in the 5CX model, the included ball head is so big that if you remove the center tube and put the ball directly on the tripod, so it does not get bent then no longer as narrow as with the center tube because the ball head takes the legs and they remain a little rake, I do not know then whether the 5C model would have been a little better here but I doubt it would not have been perfect either. Oh well, you can always remove those parts for transport or just transport it straight. But I'm really happy and I don't see any alternative to this, the ball head is sturdy and so is the stand (considering the size of course!), well made stand. At first I thought the ball screw was loose, but that was because it could be pulled out and turned as if a wrench was being used to tighten the ball, a handy feature too. I'm really happy with this purchase.
Lightweight and small enough to fit in a backpack strap ?