{
  "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391158IPI",
  "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": "10391158IPI",
    "effectiveFrom": "2021-07-01T00:00:00.000+10:00",
    "effectiveTo": "9999-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-07-01T05:55:08.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Fixed Rate Investment Home Loan (With Principal and Interest Repayment)",
    "description": "Fixed Rate Investment Home Loan (With Principal and Interest Repayment)",
    "brand": "BCA",
    "brandName": "Bank of China",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalValue": "10000",
        "additionalInfo": "Early repayment up to $10000 per settlement anniversary"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000",
        "additionalInfo": "Minimum Loan Amount AUD 150,000"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.9",
        "additionalInfo": "Max 90% with LMI"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "190.00"
        },
        "currency": "AUD",
        "additionalValue": "pay yearly"
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.0864",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y",
        "additionalInfo": "1 Year Fixed Rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "comparisonRate": "0.0841",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y",
        "additionalInfo": "2 Year Fixed Rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0824",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y",
        "additionalInfo": "3 Year Fixed Rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0807",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P4Y",
        "additionalInfo": "4 Year Fixed Rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0792",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y",
        "additionalInfo": "5 Year Fixed Rate"
      }
    ]
  }
}