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Saving Period
SAVE AT YOUR OWN RHYTHM
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You decide when and how much you want to save. Choose the amount of the scheduled deposit, the date and saving frequency - every month, quarter or semester. You also decide the saving period: you can opt for any duration, between 2 and 10 years, so that it best fits your plans.
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DEPENDING ON YOUR POSSIBILITIES
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The minimum amount to be deposited in order to benefit from MULTIPLAN is only EUR 10 or RON 40 per month. Moreover, you can always make additional deposits, of at least EUR 50 or RON 200, without exceeding the maximum amount of EUR 50.000 or RON 200.000.
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WITHOUT ANY KIND OF RESTRICTION
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You can come at the bank anytime to deposit money in the current account attached to MULTIPLAN. On the entire duration you chose, on the settled date, MULTIPLAN is automatically credited with the scheduled deposit sums, by taking over from this account.Model your plan as you want: you can increase or reduce the sum you deposit and you can change the saving rhythm by choosing another deposit frequency.
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With MULTIPLAN, you benefit from an attractive, flat and guaranteed interest rate on the entire saving period. The cumulated interest after the saving is added to the balance in the MULTIPLAN account at the end of every anniversary year.
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WHAT HAPPENS AT THE END OF THE SAVING PERIOD
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On the contractual maturity, your saving plan offers you the possibility to get a personal loan and/or a housing loan. If, for one reason or another, you believe that it is not yet the moment to put your plans into practice, you have several options at your disposal *:
- the renewal of the contract: you have access to this option only once during the contract period, provided that the entire saving period does not exceed 10 years
- the transfer of your rights to get a loan: a member of your family, having a MULTIPLAN in his turn, can use them to accomplish his objectives, in certain conditions
- the final closure of the account and the recovery of the collected capital
* If you do not choose any of these variants, your plan is automatically renewed for a period equal to the initial one, but within the limit of the maximum 10-year duration.
In case of closure...
In case you choose to close the plan before the end of the first 2 years, you only receive the interest at sight and you don't benefit from the right to a loan and bonus.After the first 2 years of your contract, you receive the contractual interest for the concluded anniversary years and the interest at sight for the rest of the period. Moreover, you benefit from a right to a loan, proportional with the sum of the cumulated contractual interest until the respective moment.
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