{
  "source": "https://public.mmfs-cdr.automotivelendingsolutions.com.au/cds-au/v1/banking/products/d8066fab-d8a2-4fc2-b71c-7ddc16018e6c",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {},
    "brand": "Mitsubishi Motors Financial Services",
    "constraints": [
      {
        "additionalInfo": "Minimum financed amount",
        "additionalValue": "5000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Depending on the Delegated Credit Authority Matrix can be between 125%  to 140%",
        "additionalValue": "1.40",
        "constraintType": "MAX_LVR"
      },
      {
        "additionalInfo": "Minimum Term",
        "additionalValue": "12",
        "constraintType": "OTHER"
      },
      {
        "additionalInfo": "Maximum Term",
        "additionalValue": "84",
        "constraintType": "OTHER"
      },
      {
        "additionalInfo": "Acceptable asset condition",
        "additionalValue": "New;Used;Demo",
        "constraintType": "OTHER"
      },
      {
        "additionalInfo": "Maximum contract term without balloon",
        "additionalValue": "84 Months",
        "constraintType": "OTHER"
      },
      {
        "additionalInfo": "Maximum contract term with balloon",
        "additionalValue": "60 Months",
        "constraintType": "OTHER"
      }
    ],
    "description": "A secured fixed rate commercial vehicle loan, available to homeowners.",
    "effectiveFrom": "2025-01-31T13:00:00Z",
    "eligibility": [
      {
        "additionalInfo": "Applicant must not be subject to any current bankruptcy proceedings.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Applicant must hold a current Australian driver's licence or learner's permit.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Applicant must have a fixed, verifiable residential address in Australia.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Applicant must be at least 18 years of age.",
        "additionalValue": "18.00",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Applicants holding temporary visas must hold an acceptable visa with at least 12 months remaining before expiry.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Applicant must be an Australian citizen, New Zealand citizen, or an Australian permanent resident with an acceptable visa.",
        "additionalValue": "Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "Enables repayment of the financed amount through regular scheduled instalments over an agreed loan term.",
        "featureType": "INSTALMENT_PLAN"
      },
      {
        "additionalInfo": "Commercial vehicle loan:\n- Available for eligible business customers, including sole traders and incorporated businesses.\n- Commercial loan and mortgage designed for businesses that use accounting systems.\n- Default payment method is arrears. Consumers can also opt for payments in advance.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "A periodic fee charged for the administration and maintenance of the loan account.",
        "additionalValue": "12.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Account Keeping fee"
      },
      {
        "additionalInfo": "A fee charged when a scheduled repayment is dishonoured, declined or cannot be processed.",
        "additionalValue": "20.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Payment Dishonour fee"
      },
      {
        "additionalInfo": "A fee that may apply when a loan is repaid before the end of the agreed loan term. The amount may vary depending on the timing of the early repayment and the terms of the loan contract.",
        "additionalValue": "150.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EXIT",
        "fixedAmount": {
          "amount": "150.00"
        },
        "name": "Early Termination Fee"
      },
      {
        "additionalInfo": "A one-off fee charged at the start of the commercial vehicle loan to cover the costs of setting up and processing the finance contract.",
        "additionalValue": "549.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "549.00"
        },
        "name": "Establishment Fee"
      },
      {
        "additionalInfo": "A fee charged to cover dealer-related services involved in arranging or processing the finance contract.",
        "additionalValue": "1450.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "1450.00"
        },
        "name": "Dealer Facilitation"
      },
      {
        "additionalInfo": "A fee charged to cover the cost of registering a security interest on the Personal Property Securities Register (PPSR).",
        "additionalValue": "6.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "6.00"
        },
        "name": "PPSR Fee"
      },
      {
        "additionalInfo": "A fee charged when a payment is made more than 21 days after it is due.",
        "additionalValue": "25.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Late Payment Fee"
      },
      {
        "additionalInfo": "A fee charged each time we agree to your request for a variation to this contract.",
        "additionalValue": "145.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "145.00"
        },
        "name": "Contract Variation Fee"
      },
      {
        "additionalInfo": "A fee charged each time we provide, at the request of you or your agent, written information about your loan account or a copy of a document relating to this contract.",
        "additionalValue": "15.00",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Information Processing and Document Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-01T04:49:27Z",
    "lendingRates": [
      {
        "additionalInfo": "Minimum fixed interest rate. Actual rate offered may vary based on the applicant's circumstances and credit assessment.",
        "additionalValue": "8.32",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0832",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "If the contract term greater than 60 months",
            "maximumValue": "0.50",
            "minimumValue": "0.00",
            "name": "Greater than 60 months risk",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          },
          {
            "additionalInfo": "If the vehicle age greater than 36 months",
            "maximumValue": "0.20",
            "minimumValue": "0.00",
            "name": "Used Vehicle Risk Commercial/Lease",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          },
          {
            "additionalInfo": "If the vehicle age greater than 60 months",
            "maximumValue": "0.50",
            "minimumValue": "0.00",
            "name": "Used Vehicle Risk Commercial/Lease",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Standard CL&M Home Buyer",
    "productCategory": "BUSINESS_LOANS",
    "productId": "d8066fab-d8a2-4fc2-b71c-7ddc16018e6c"
  }
}