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.

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Higher interest rate
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Mandatory monthly payments
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Savings can be terminated after 12 months with a notice period of 31 days
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Allowed first payment in the desired amount (maximum 50,000 €)
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Payment amount: from 10 € monthly, by standing order
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Interest rate: from 2,20% to 3,00%
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Term: from 1 to 5 years

Conditions

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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
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Interest rate is fixed for every finished year of savings and is being calculated and attributed annually.
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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
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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 years

Adriatic 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%

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