{"id":11217,"date":"2019-06-01T13:01:02","date_gmt":"2019-06-01T10:01:02","guid":{"rendered":"https:\/\/espoontaidelainaamo.fi\/?page_id=11217"},"modified":"2025-11-12T12:32:24","modified_gmt":"2025-11-12T10:32:24","slug":"loan-terms","status":"publish","type":"page","link":"https:\/\/espoontaidelainaamo.fi\/en\/art-for-loan\/loan-terms\/","title":{"rendered":"Loan terms"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Espoo Art Lending Service Loan Terms<\/h1>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The borrower agrees to follow the loan terms. Borrowers must be at least\u00a0<strong>18 years old<\/strong>\u00a0and present a valid ID when signing the agreement.<\/li>\n\n\n\n<li>The borrower must provide up-to-date contact details. Any changes must be reported to the art lending service without delay.<\/li>\n\n\n\n<li>The loan period is agreed upon in full months. The artwork can also be purchased immediately or later during the loan period.<\/li>\n\n\n\n<li>At the time of borrowing, at least the first month\u2019s loan fee must be paid. Subsequent monthly payments are due by the same day of each following month, based on the loan date.<\/li>\n\n\n\n<li>If the borrower decides to purchase the artwork, previously paid monthly fees will be credited towards the total price. After all installments are paid, the borrower receives a confirmation of ownership.<\/li>\n\n\n\n<li>The borrower may return the artwork before the agreed loan period ends. However, paid monthly fees will not be refunded. The art lending staff will inspect and approve the returned piece.<\/li>\n\n\n\n<li>The monthly loan fee is approximately\u00a0<strong>5% of the artwork\u2019s price<\/strong>, rounded to the nearest hundred euros, with a minimum fee of\u00a0<strong>\u20ac20\/month<\/strong>. Prices include itemized\u00a0<strong>VAT (14%)<\/strong>, where applicable.<\/li>\n\n\n\n<li>For\u00a0<strong>unframed graphic prints and drawings<\/strong>, the borrower commits to purchasing the piece.\u00a0Payments can be made monthly as outlined above.<\/li>\n\n\n\n<li>The borrower is responsible for compensating any damages caused to the artwork during the loan period.\u00a0The Art Lending Service does not insure the artworks.<\/li>\n\n\n\n<li>If the borrower terminates the loan, the artwork must be returned by the next scheduled due date. If the piece is returned after that date, the borrower is responsible for paying the next month\u2019s loan fee. Any potential collection fees may also be charged to the borrower.<\/li>\n\n\n\n<li>The Art Lending Service acts as a representative of the artist and handles invoicing for monthly payments and full purchases on their behalf.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Espoo Art Lending Service Loan Terms<\/p>\n","protected":false},"author":158,"featured_media":0,"parent":282,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11217","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loan terms - Espoon Taidelainaamo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/espoontaidelainaamo.fi\/en\/art-for-loan\/loan-terms\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan terms - 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