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)
I needed a tripod that would cover as much of the range of uses as I could imagine, but at the same time be light enough to carry with me when I needed it. I think this tripod does that really well. It's the wrong choice if lightness is your main criterion. On the other hand, if you want the lightest possible without compromising on features and sturdiness, this is a good choice. Compared to my previous tripod, it is a kilo lighter and when assembled it fits into a smaller space, and carrying the tripod around no longer feels like such a chore, which as such makes the upgrade worthwhile. Both my old tripod and this tripod, both get the same height above the head. If you don't use a centre tube the stability is excellent with the camera at a convenient eye level, if your own height is around 180cm. Using a centre tube is always a compromise regardless of the tripod. In addition to the significant weight reduction in the upgrade, I also got a lot of new features such as use as a monopod when needed, faster setup and teardown, weather protection and so on. This model is also particularly interesting because it has waterproof locks. I am not aware of any other manufacturer making similar ones in this price range. Other options cost at least three times more. The footing is of very high quality. Its usability is in a whole different class compared to the previous one. It is much quicker to set up and put back together. The price/performance ratio is also very good. When buying the tripod, I was wondering which ball head would be more suitable, the K-30x or the K-20x model. I suspected that when assembled the K-30x would not fit between the legs of the stand without pushing them out a little, so when assembled it would not fit in as small a space. However, the ball head is only really a little bit too big, and there is no significant drawback. In fact, the stand is clearly designed to be used with both. The stand came with two ball head mounting plates. One is the same size as the K-20x model and the other is the same size as the K-30x model, although the difference in mounting plate size is really just cosmetic. The ball head is very sturdy. I chose it because I will be shooting timelapse videos, where sturdiness is very important. Otherwise a notch smaller model would probably be quite adequate for all other basic use.