Rate and bonus
Separate the base rate, temporary bonus, and conditions for receiving the bonus.
Building savings
Conservative housing-focused saving with a possible state premium, bonus, and future building loan.
Building savings should be assessed by rate, lock-in, fees, state premium, and whether you later plan to finance housing or renovation through a building loan.
Quick calculation
Start with the savings calculator
Enter monthly contribution, horizon, and return. The calculator shows an indicative future value without comparing specific products.
What to watch
State premium
Check the annual cap, income conditions, and whether the premium applies to the selected product.
Loan and lock-in
The product can make more sense if you actually plan to use a building loan or renovate.
Check before choosing
- +Current rate and how long it applies
- +Conditions for the interest bonus and state premium
- +Contract and account maintenance fees
- +Whether a future building loan has value for you