{
  "source": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/L22V1",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No early repayment fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayments- weekly, fortnightly or monthly repayments available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Discounted rates for Hume Property Package holders"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan term of 1-5 years"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian resident or citizen, with an Australian residential mailing address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": " Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply"
      }
    ],
    "fees": [
      {
        "name": "DUPLICATESTATEMENTFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Duplicate Statement Fee - $2 per page of statement produced. Payable when you ask us to produce duplicate statements for you."
      },
      {
        "name": "CONSENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you ask us to consent to a second mortgage on any security"
      },
      {
        "name": "CONTRACTVARIATIONFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in the event we agree to vary your loan agreement"
      },
      {
        "name": "DEFAULTFEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable on the last day of each month during which there is an amount overdue for payment on your loan."
      },
      {
        "name": "PHOTOCOPYFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$3 per page. Payable when you ask us to photocopy documents for you"
      },
      {
        "name": "LEGALCOSTS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable when we pay our solicitors as a result of your application for a variabtion to, discharge of or our consent to any variation of your agreement or security"
      },
      {
        "name": "PLAPPFEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Application Fee for personal loans",
        "additionalInfoUri": "https://www.humebank.com.au/personal/personal-loans"
      },
      {
        "name": "DISHONOURFEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if a direct debit from another account to your loan is declined or a cheque deposited to your loan account is dishonoured"
      },
      {
        "name": "SECURITYSEARCH",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable if we need to search a register in relation to any security"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.1249",
        "comparisonRate": "0.1271",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest is calculated daily and applied monthly"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L22V1",
    "lastUpdated": "2026-04-17T15:32:57.000+10:00",
    "name": "Unsecured Personal Loan",
    "description": "No matter if its home renovations or holidays, we offer personal loans with low fixed rates and free online redraw for all occasions",
    "brand": "HUME BANK LIMITED",
    "brandName": "HUME BANK LIMITED",
    "applicationUri": "https://www.humebank.com.au/everyday/personal-loans/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.humebank.com.au/everyday/personal-loans/",
      "termsUri": "https://www.humebank.com.au/tools-help/product-tcs/",
      "eligibilityUri": "https://www.humebank.com.au/tools-help/product-tcs/",
      "feesAndPricingUri": "https://www.humebank.com.au/everyday/personal-loans/"
    }
  }
}