If you have been saving the money for housing at least for two years without any withdrawals, you get:

• the mortgage without barriers – 10 times the sum saved, having the most advantageous interest rate offered by the bank in the relevant type of loan,
• interest rate up to 0.35% annually (the maximum of interest amount €20.00 monthly) in case of regular saving the amount of €50.00; otherwise the interest rate 0.01% annually,
• moreover, better interest rate by 0.3% in the next year in addition to the saving without barriers,
• while using the program Better Interests you can get loans with lower interest rates or term deposits and savings with advantaged interest rates,
• you may draw the money from savings right on the saving day,
• thanks to this kind of savings with program Smart Combination you can get your account for free,
• easy change of saving sum through internetbanking.

If you save regularly for 5 years without any withdrawals, you will get 0.3% p.a. higher interest rate in the sixth year of saving.

Are you buying a house? It is advisable to have some money saved. Why?

• the real estate price have lower interest rates,
• the more you save, the less you pay in instalments,
• you can use the saved money even for an extraordinary instalment payment of the loan, which will shorten the time of payments or decrease the instalments.