When you purchase an apartment using interim financing, you must agree with the bank on the savings schedule for the missing deposits and the time at which the interim loan is replaced with the ASP loan. You must continue to make deposits into the ASP account until you have saved the required sum (at least eight deposits, whose sum corresponds to ten per cent of the purchase price of the apartment). The recommended maximum period of time for this sum to be saved is two years. Interim financing must be replaced with the ASP loan immediately when the criteria for granting an ASP loan are met, i.e. when the required savings and calendar quarters are fulfilled.