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 as it should.
The platform is easy to use and appears to be of high quality.
Lightweight mobile foot for the quality and stability. I don't do bird photography myself, but I would think that the large tubes in the camera would not present a challenge. The controls work fine, the locks work. The foot has a single screw mounting hole, I personally fitted a 50mm rod with a cold shoe shoe to attach any accessory I want, often with a digital recorder attached. Two spirit levels to get the camera horizontal. The only minus goes to the rubber/metal feet, you have to twist and change them; it would be nice if there was some system to easily change them on the fly. For example, a rubber hood over the metal feet, etc.
Brilliant piece of kit, had to do a youtube unboxing as I was so excited about it. My goto tripod from now on.
+++++