Interest rates
2,20%
1 year
2,50%
2 years
2,80%
3 years
2,90%
4 years
3,00%
5 years
To whom is intended for?
To all clients with regular incomes, who want to save gradually for the fulfillment of their wishes or for additional financial security, with the most favorable interest rates.
Gradual savings is savings by which you pay as much money each month as you choose when you start saving.
Advantages
- Higher interest rate
- Mandatory monthly payments
- Savings can be terminated after 12 months with a notice period of 31 days
- Allowed first payment in the desired amount (maximum 50,000 EUR)
- Payment amount: from 10 EUR monthly, by standing order
- Interest rate: from 2,20% to 3,00%
- Term: from 1 to 5 years
Conditions
- Extraordinary monthly payments can be in amount for up to five times higher than the regular chosen monthly payments, and cannot be in amount higher than 20.000,00 € in total
- Interest rate is fixed for every finished year of savings and is being calculated and attributed annually.
- Upon termination of the term deposit, the stipulated interest rate for the completed year is calculated, while the avista interest rate is calculated for the period in the current year
- In the event of a delay of more than three months, the savings deposit is automatically rescheduled
Adriatic gradual savings - details of informative calculation (EUR)
Result of informative calculation on 15.12.2020 | ||||
|---|---|---|---|---|
Term deposit date: | 15.12.2020 | |||
Term deposit expiry: | 15.12.2025. | |||
Term deposit duration: | 60 months | |||
The amount of initial fund | 100,00 | |||
The amount of monthly obligation | 50,00 | |||
Method of interest payment | Upon maturity | |||
Annual interest rate for every completed term deposit year | ||||
1. year | 2. year | 3. year | 4. year | 5. year |
2,20% | 2,50% | 2,80% | 2,90% | 3,00% |
Calculation overview | ||||
Period | Total payment amount | Total calculated interest decreased for the amount of personal income tax – residents 9% and surtax on tax of 15% | Interest rate | Total balance |
12 m | 650,00 | 7,35 | 2,20% | 657,35 |
24 m | 1.250,00 | 22,00 | 2,50% | 1.279,35 |
36 m | 1.850,00 | 40,18 | 2,80% | 1.919.53 |
48 m | 2.450,00 | 58,25 | 2,90% | 2.577.78 |
60 m | 3.050,00 | 77,94 | 3,00% | 3.255,72 |
Total amount of calculated interest | 229,43 | |||
Personal income tax – residents 9% including surtax on tax of 15% | 23,71 | |||
Total interest amount to be paid to the user | 205,72 | |||
Total amount at the end of period | 3,255,72 | |||
Effective interest rate | 3,00% | |||
Result of informative calculation on 15.12.2020 | ||||
|---|---|---|---|---|
Term deposit date: | 15.12.2020 | |||
Term deposit expiry: | 15.12.2025. | |||
Term deposit duration: | 60 months | |||
The amount of initial fund | 100,00 | |||
Amount of monthly obligation | 50,00 | |||
Method of interest payment | Upon maturity | |||
Annual interest rate for every completed term deposit year | ||||
1. year | 2. year | 3. year | 4. year | 5. year |
2,80% | 2,90% | 3,00% | 3,10% | 3,20% |
Calculation overview | ||||
Period | Total payment amount | Personal income tax – residents 9% including surtax on tax of 15% | Interest rate | Total balance |
12 m | 650,00 | 7,35 | 2,80% | 657,35 |
24 m | 1.250,00 | 22,00 | 2,90% | 1.279,35 |
36 m | 1.850,00 | 40,18 | 3,00% | 1.919.53 |
48 m | 2.450,00 | 58,25 | 3,10% | 2.577.78 |
60 m | 3.050,00 | 77,94 | 3,20% | 3.255,72 |
Total amount of calculated interest | 229,43 | |||
Personal income tax – residents 9% including surtax on tax of 15% | 23,71 | |||
The amount of total interest to be paid to the user | 205,72 | |||
Total amount at the end of the period | 3,255,72 | |||
Effective interet rate | 3,00% | |||