Gradual saving
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.
Prednosti postepene štednje
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 €)
Payment amount: from 10 € 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
Fixed term savings in euros up to 100.000€
2,20%
1 year
2,50%
2 years
2,80%
3 years
2,90%
4 years
3,00%
5 yearsAdriatic gradual saving - details of informative calculation (EUR)
| Result of informative calculation on 15.12.2020 | |||||||
|---|---|---|---|---|---|---|---|
| Term deposit date: | 15.12.2020 | ||||||
| Term expiry date: | 15.12.2025 | ||||||
| Term maturity: | 60 months | ||||||
| The amount of initial fund | 100,00 | ||||||
| Method of interest payment | Upon maturity | ||||||
| Annual interest rate for every completed term deposit year | |||||||
| 1st year | 2nd year | 3rd year | 4th year | 5th year | |||
| 2,20% | 2,50% | 2,80% | 2,90% | 3,00% | |||
| Calculation overview | |||||||
| Period | Initial 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 months | 650,00 | 7,35 | 2,20% | 657,35 | |||
| 24 months | 1.250,00 | 22,00 | 2,50% | 1.279,35 | |||
| 36 months | 1.850,00 | 40,18 | 2,80% | 1.919,53 | |||
| 48 months | 2.450,00 | 58,25 | 2,90% | 2.577,78 | |||
| 60 months | 3.050,00 | 77,94 | 3,00% | 3.255,72 | |||
| Total amount of calculated interest | 229,43 | ||||||
| Personal income tax | 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% | ||||||