{
  "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/7b48b15e-4517-11f1-bfeb-325096b39f47",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "7b48b15e-4517-11f1-bfeb-325096b39f47",
    "lastUpdated": "2026-07-13T17:07:51.000+10:00",
    "productCategory": "BUSINESS_LOANS",
    "name": "Commercial Personal - Principal & Interest",
    "description": "The Commercial Personal loan is available for commercial members.",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://australianmutual.bank/business/loans/business-loans/#enquire",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/business/loans/business-loans/",
      "termsUri": "https://australianmutual.bank/business/loans/business-loans/",
      "eligibilityUri": "https://australianmutual.bank/loans/green-loan#Text-1f8f0-Features",
      "feesAndPricingUri": "https://australianmutual.bank/loans/green-loan#Text-1f8f0-Features"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make extra repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A competitive variable interest rate"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking and mobile app"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fee for early repayment"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to make lump sum payments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount is $1,000,"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00",
        "additionalInfo": "Maximum Unsecured loan amount is $40,000. Maximum Secured loan amount is $150,000."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to citizens  of Australia over age of 18 and are current or retired employees or volunteers in  Education, Health Care or Emergency Services sectors or are family members of members (i.e. shareholders) of the Bank"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices."
      }
    ],
    "fees": [
      {
        "name": "COLLECTION_CHARGES",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost."
      },
      {
        "name": "APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is applicable when the loan is funded."
      },
      {
        "name": "BUSINESS_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amounts under $35,000"
      },
      {
        "name": "BUSINESS_LOAN_APPLICATION_FEE_-_OVER_$35,000,_BUT_UNDER_$300,000",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "650.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amount of $35,000, but under $300,000"
      },
      {
        "name": "BUSINESS_LOAN_APPLICATION_FEE_-_EQUAL_OR_LARGER_THAN_$300,000",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1500.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amounts equal or larger than $300,000"
      },
      {
        "name": "GUARANTEE_ISSUING_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COMMERCIAL_DOCUMENTATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0999",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Personal",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Principal & Interest Secured rate"
          }
        ],
        "additionalInfo": "Principal & Interest Secured rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1451",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Personal",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "40000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Principal & Interest Unsecured rate"
          }
        ],
        "additionalInfo": "Principal & Interest Unsecured rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0695",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Personal",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Principal & Interest Secured Green Loan"
          }
        ],
        "additionalInfo": "Principal & Interest Secured Green Loan"
      }
    ]
  }
}