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  • Economical and sensible financing

    Economical and sensible financing

    You can get reliable, flexible financing from Alavus for your window and door purchases.

Alavus financingEconomical and sensible
financing

You can get reliable, flexible financing from Alavus for your window and door purchases.

Financing is part of our service and we want to offer our customers the best possible payment benefits.

We offer two different types of financing options, and you can choose the one best suited for you.

You can discuss financing and campaigns with your salesperson, or apply for Alavus Financing directly on the Internet using your online bank codes. Learn more about Alavus Financing here.

 

Sales financing - OP

OP's financing option is up to 84 months and does not include a credit card. Sales financing is a single one-off loan. 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.

Campaign options is three months of interest-free payment time, so your first payment is not due until three months from the delivery.

The table below shows example calculations for financing.

Loan

Length of loan

Monthly payment
1st payment

Interest %

Loan cost

Actual annual
interest rate

 

2000 €

12 months
24 months
38 months
47 months
71 months

180 €
100 €
66 €
56 €
42 €

7,5 %
7,5 %
7,5 %
7,5 %
7,5 %

2146 €
2301 € 
2498 €
2622 € 
2953 € 

14,10 %
15,30 %
15,20 %
15,20 %
15,00 %

 

 

4000 €

12 months
23 months
36 months
44 months
63 months
84 months

360 €
200 €
132 €
112 €
84 €
68 €

7,5 %
7,5 %
7,5 %
7,5 %
7,5 %
7,5 %

4212 €
4423 €
4691 €
4852 €
5249 €
5703 €

10,30 %
11,20%
11,30 %
11,40 %
11,30 %
11,20 %

 

 

6000 €

12 months
22 months
35 months
43 months
61 months
80 months

540 €
300 €
198 €
168 €
126 €
102 €

7,5 %
7,5 %
7,5 %
7,5 %
7,5 %
7,5 %

6287 €
6545 €
6893 €
7098 €
7596 €
8148 €

9,00 %
9,70 %
10,00 %
10,00 %
10,10 %
10,00%

 

 

8000 €

12 months
22 months
35 months
42 months
60 months
79 months 

720 €
400 €
264 €
224 €
168 €
136 € 

 7,5 %
 7,5 %
 7,5 %
 7,5 %
 7,5 %
 7,5 %

8344 €
8674 €
9101 €
9345 €
9951 €
10619 € 

8,40 %
9,00 %
9,30 %
9,40 %
9,40 %
9,40%

The customer's first payment has no interest or charges. Loan costs include 7.5%* annual interest as well as a monthly handling fee of 7.00 euros. The minimum monthly payment is 50 euros. The calculations in the table are based on the assumption that the customer makes payments as shown in the table.

Financing is granted by OP Corporate Bank plc, Teollisuuskatu 1b, 00560 Helsinki

* Interest OP-prime + 6,75 % = 7,50 % (11/2014).

Aktiiviraha - Handelsbanken

When you buy windows and doors using financing, you also receive insurance that is in effect for six months from the date of delivery. Reimbursements do not have a deductible and the maximum reimbursement is 1000 €.

In addition to flexible payment terms and insurance you will receive an Aktiiviraha MasterCard, which will be mailed to you about three weeks after the delivery date. The card is accepted in Finland and abroad. The card's annual fee (30€) is charged starting the second year.

The table below shows example calculations for Aktiiviraha financing.

 

Loan

Length of loan

Monthly payment
1st payment

Interest %

Loan cost

Actual annual
interest rate

2000 €

6 months
10 months
20 months
36 months
60 months

338 €
205 €
105 €
67 €
44 €

0 %
0 %
0 %
6,95 %
6,56 %

2030 €
2080 €
2130 € 
2502 €
2752 € 

5,25 %
9,10 %
7,64 %
17,06 %
14,88 %

4000 €

6 months
10 months
20 months
36 months
60 months

672 €
405 €
205 €
128 €
83 €

0 %
0 %
0 %
6,95 %
6,56 %

4030 €
4080 €
4130 €
4723 €
5104 €

2,60 %
4,46 %
3,77 %
11,99 %
10,76 %

6000 €

10 months
20 months
36 months
60 months

605 €
305 €
190 €
123 €

0 %
0 %
6,95%
6,56 %

6080 €
6130 €
6943 €
7455 €

2,95 %
2,50 %
10,36 %
9,41 %

8000 €

10 months
20 months
36 months
60 months

805 €
404 €
252 €
162 € 

0 %
0 % 
6,95 % 
6,56 %

8080 €
8130 €
9166 €
9806 € 

2,20 %
1,87 %
9,56 %
8,75 %

Handling fee is five euros/invoice. An instalment campaign account opening fee of 30 € (10M and 20M) or 100 € (36M and 60M) will be charged with the first invoice.
10 month campaign interest rate 0%, 36 month fixed interest rate 6.95% and 60 month campaign interest rate is 6.56% (SHB Prime365+ 5.5 %).
Aktiiviraha is a continuous credit line with a handling cost of 5 €/month and a 30 € annual fee starting the second year. Actual annual interest rate for a 1500 euro debit balance is 26,28 % (1/2017), when the nominal interest rate is 13.06 %. Financing is granted by Handelsbanken Rahoitus Oyj, home office in Helsinki.

Pyyda tarjous Alavus Ikkunoista ja Ovista EN

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