"GöY" DEPOSİT
1. “Göy” type of deposit can be accepted in AZN, USD, EUR, GBP.
2. This deposit is accepted from 3 months up to 3 years duration.
3. The minimal amount of accepted deposit is AZN/USD/EUR/GBP 100.
4. Annual interest rate for “Göy” type of deposit is defined in the following way:
| Term | Interest rate | |||||||||||
| AZN | USD | EUR/GBP | AZN | USD | EUR /GBP | AZN | USD | EUR/ GBP | ||||
| Each month | Each quater | At the end of duration | ||||||||||
| 3 months | 3,25% | 3% | - | - | - | - | 3,5% | 3,25% | - | |||
| 6 months | 5,25% | 5% | - | 5,5% | 5,25% | - | 6% | 5,5% | - | |||
| 9 months | 7,25% | 7% | - | 7,5% | 7,25% | - | 7,75% | 7,5% | - | |||
| 12 months | 11,25% | 11% | 4% | 11,75% | 11,5% | 4,25% | 12% | 11,75% | 5% | |||
| 18 months | 11,5% | 11,25% | 4,5% | 12% | 11,75% | 4,75% | 12,5% | 12% | 5,5% | |||
| 24 months | 11,75% | 11,5% | 5,25% | 12,25% | 12% | 5,5% | 12,75% | 12,25% | 6,5% | |||
| 36 months | 12% | 11,75% | 5,5% | 12,5% | 12,25% | 5,75% | 14% | 13,5% | 7,5% | |||
5. At his/her own discretion, the holder of “Göy” type of deposit can be offered the following types of credit cards free of charge depending on the amount of deposit:
Up to 5 000 – Cirrus Maestro / Visa Electron,
From 5 000 up to 20 000 – Master Card Standard / Visa Classic,
Over 20 000 – Master Card Gold/ Visa Gold.
6. Percentage yield defined at the basis of annual interest rate indicated in the contract on Blue – Standard type of deposit is transferred one time per month to the card account of customer at the latter’s discretion.
7. At his/her own discretion, the holder of “Göy” type of deposit can get opened one year long loan card at the level of 70% of owned deposit.
In this case:
- Due to loan use, interest rate is not deducted up to the thirtieth day of the month in which the loan line is opened;
- In case of non payment of a loan, annual interest rate is defined at the level of 25% starting from the first day of next month;
- Loan line is kept open till the date of expiry of the deposit contract.
During the validity period of the contract, once a loan line is used several times, the same rules apply each time.
If interest yield is not paid for using a loan line, it can be withheld from annual percentage yield or the main amount of deposit of a customer.
8. If this type of deposit is withdrawn earlier, then in accordance with terms of the contract on interest rate of deposit, annual percentage yield per deposit is defined at annual 2% rate for a deposit kept in the Bank for 180 days and 50% of percentage yield for a deposit kept in the Bank for more than 180 days.
9. Following expiry of the duration of contract, the deposit contract is extended automatically for the same period of contract at the basis of interest rate valid for the Bank in that specific period of time.
Deposit calculator
