Deposit in Erste Bank der oesterreichischen Sparkassen AG, 3.5% for 12 months

You receive 1.5% of the state premium for the current year, in subsequent years either a fixed interest rate of 1.0% per annum, or with a lump sum payment (7,200 euros in the first month) an interest rate of 1.5% per annum. The state premium is not subject to capital gains tax. Term 6 years.