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)
At first glance, it looks really impressive, but we’ll have to see how much I’ll miss the ”missing” 4 millimetres of the wide end after years of shooting with the 24–70.
I am very happy with the Tamron 28-75mm f/2.8 lens I bought. The image quality is excellent for its price range: images are sharp, colours are natural and background blur is pleasing throughout the zoom range. The fast f/2.8 aperture was a big advantage in low light conditions and for indoor photography. Focusing is fast and fairly quiet, and the lens is nice and light and compact, making it easy to carry around. The price/quality ratio is really good.
A good lens for an amateur like me, but certainly a good one for the more advanced photographer.