{
  "snapshot_at": "2026-11-05T03:22:22Z",
  "brand": "Greater Bank",
  "brand_slug": "greater-bank",
  "product_id": "3265",
  "cdr_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3265",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.greater.com.au/cds-au/v1/banking/products/3265'",
  "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": {
    "brand": "GB",
    "description": "Personal loan secured by bill of sale over new car or dealer demonstrator vehicle",
    "isTailored": false,
    "lastUpdated": "2026-11-04T13:00:00Z",
    "name": "New Car Loan",
    "productCategory": "PERS_LOANS",
    "productId": "3265",
    "additionalInformation": {
      "overviewUri": "https://www.greater.com.au/personal/personal-loans/new-car-loan",
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/lending-fees-and-charges",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.greater.com.au/personal/personal-loans/new-car-loan",
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-06-30T14:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "5000.00"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum cardholder age 16 years​",
        "additionalInfoUri": null,
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee free redraw via Online Banking.  $30 fee for over the counter redraw.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Mercantile agents fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee - Per Page",
        "additionalInfo": "Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default Administration Fee",
        "additionalInfo": "In default by an amount that is less than 2 repayments $6.00, otherwise $20.00. ",
        "additionalInfoUri": "https://www.greater.com.au/legal/disclosure-documents",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Redraw over-the-counter fee",
        "additionalInfo": "Each time you re-borrow money by making written application to any branch of Greater Bank Ltd.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default notice fee",
        "additionalInfo": "Payable when we send you a notice informing you of a default under this contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0624",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P7Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0663",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}