Alavus Financing is an option for private individuals that you can easily apply for on the Internet using your online bank codes, and it does not require security or co-signers.
You can apply for 1,000 to 30,000 euros and the minimum monthly payment is just 1.7 % of the loan amount.
Note! If you apply Alavus Financing after you already have confirmed order and received the order confirmation, you need to inform Alavus Ikkunat (the person you have had contact) that you have applied financing. Financing need to be applied at the latest week before appointed delivery week. Example if delivery week is on orderconfirmation 34/2016, the last chance to apply financing is on week 33/2016. Financing desicion is valid 3 months from applyday.
Interest rate is OP prime + 6.75 % points, i.e. a total of 7.35 %* (*OP Prime 0.60% May 2015). In addition, there is a handling fee of seven euros/month. For example, a 6,000 € loan and 35 month repayment time the monthly payment is 198 € and the total cost of the loan is 6,877 €, making to actual annual interest rate 9.81 %.
Repayment time for this financing option is up to 84 months and does not include a credit card. Payments are equal amounts, but you can make extra payments or pay off the loan whenever you want, without added charges. In addition, interest on the loan is tax deductible. If you are already an owner-member of Osuuspankki or a customer of Helsinki Area Cooperative Bank, the financing will be counted in calculating OP bonus points accrued. Remember that the cost of installation services included in your purchase is tax deductible.
|Loan||Loan period||monthly payment starting at|
|4500 €||n 2. vuotta||225 €/kk*|
|6500 €||n 2. vuotta||215 €/kk*|
|10 000 €||n 5. vuotta||210 €/kk*|
Handling fee is seven euros/invoice. Interest rate is OP prime + 6.75 % = 7.35 %* (*OP Prime 0.60% May 2015).
Take advantage now of Alavus Financing's three-month campaign, as well: three months without interest or fees, so the first payment is not due until three months after delivery.