{
  "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/34",
  "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": "34",
    "effectiveFrom": "2001-07-02T14:30:00.0000000Z",
    "lastUpdated": "2026-06-11T04:00:17.6722147Z",
    "productCategory": "PERS_LOANS",
    "name": "L28 Personal Loan",
    "description": "Sometimes The Budget Just Won't Stretch To Something You Really Want, Or Need To Pay For. We Offer Multiple Personal Loans For Countless Worthwhile Purposes, With Fast And Hassle-Free Approval.",
    "brand": "Broken Hill Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://brokenhill.bank/personal-loans",
      "feesAndPricingUri": "https://brokenhill.bank/personal-loans"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone",
        "additionalInfoUri": "https://brokenhill.bank/access"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "\"Relationship Rewards\"",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Monthly Account Keeping Fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Loan Service Fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Penalties For Early Payouts"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "40000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Subject To Eligibility For Credit Via Loan Application Assessment"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizens Or Permanent Residents",
        "additionalInfo": "Residents Of Australia Are Eligible"
      }
    ],
    "fees": [
      {
        "name": "Loan Redraw Processing Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "230.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge Of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.52"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Alteration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Enforcement Collection Cost",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Solicitors Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Agents Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Report Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee - Debt Consolidation or Secured",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "280.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee - Self Employed",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "705.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BHCCU Enforcement Expense",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Discharge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Search Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Contract Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Guarantee Security Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "325.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge Of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Bureau Default Listing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Security Handling Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Progress Drawndown Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "IPEX Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Settlement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Debt Agreement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Enforcement Expense",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1375",
        "comparisonRate": "0.142",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval",
        "additionalInfoUri": "https://brokenhill.bank/personal-loans"
      }
    ]
  }
}