{
  "snapshot_at": "2026-11-13T01:35:55Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "44",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/44",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/44'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "44",
    "effectiveFrom": "2022-03-27T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:23.8091263Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Commercial Loan - Secured",
    "description": "Our Commercial Loan is ideal if you want to secure financing to grow the business operations, start new business ventures, maintain existing operating cashflow while expanding your business or funding for major projects.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/business-banking/business-finance/business-loans/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No penalties for extra repayments on variable rate loans. Fixed loans have the ability to make additional repayments not exceeding $10,000 per year in addition to your contracted repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Payments can be arranged weekly, fortnightly or monthly."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fixed or Variable interest rates are available providing flexibility to tailor the loan to your business needs."
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00",
        "additionalInfo": "Borrow as little as $10,000 for business purposes."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Loans are available to members of the bank who are permanent residents of Australia and currently live in Australia"
      }
    ],
    "fees": [
      {
        "name": "Company Search Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Price on Application"
      },
      {
        "name": "Loan Maintenance Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Other Credit Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Please refer to our Fees and Charges brochure for information on other fees and charges which may apply.",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Establishment Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Price on application",
        "discounts": [
          {
            "description": "Another eligibility criteria exists as described in the additionalInfo field",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Fee not applicable to Business New Car Loan. Fee applies to all other Secured Commercial Loans."
              }
            ]
          }
        ]
      },
      {
        "name": "Facility Review Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Facility Review Fee is charged at time of annual review. Cost is dependent on complexity of the facility."
      },
      {
        "name": "Document Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Price on application",
        "discounts": [
          {
            "description": "Another eligibility criteria exists as described in the additionalInfo field",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Fee not applicable to Business New Car Loan. Fee applies to all other Secured Commercial Loans."
              }
            ]
          }
        ]
      },
      {
        "name": "Establishment Fee - Business New Car Loan",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Establishment Fee - Business New Car Loan.",
        "discounts": [
          {
            "description": "Another eligibility criteria exists as described in the additionalInfo field",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Fee does not apply to all other Secured Commercial Loans. Fee only applicable to Business New Car Loan."
              }
            ]
          }
        ]
      },
      {
        "name": "Arrears Letter - Second Arrears Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Letter Fee - Default Notice prior to Enforcement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Rate Lock Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when opting to lock in an approved fixed rate, for a term of up to 90 days"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "New or Demo Cars"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0824",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "For cars up to 3 years old"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1379",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Commercial Secured Variable"
      }
    ]
  }
}