{
  "snapshot_at": "2026-11-13T01:28:51Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "PL_securedfixed",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/PL_securedfixed",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/PL_securedfixed'",
  "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": {
    "additionalInformation": {
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/personal/personal-and-car-loans",
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/personal-and-car-loans"
    },
    "brand": "NP",
    "brandName": "Newcastle Permanent",
    "bundles": [],
    "constraints": [
      {
        "additionalValue": "5000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "This maximum loan limit applies for Car Loans and loans secured by Newcastle Permanent Term Deposit.",
        "additionalValue": "100000.00",
        "constraintType": "MAX_LIMIT"
      }
    ],
    "depositRates": [],
    "description": "Low fixed rate with flexible repayment options.",
    "effectiveFrom": "1997-05-23T00:00:00+10:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Flexible repayment options - Minimum monthly principal and interest repayments with weekly and fortnightly options available.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "You can make regular additional repayments and extra lump sum payments.",
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Document Retrieval fee, payable to us when we provide a copy of any statement, notice or other document at your request. Fee per copy document.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "ENQUIRY",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Document Fee"
      },
      {
        "additionalInfo": "Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Default Administration Fee 2"
      },
      {
        "additionalInfo": "Assessing and processing your loan application can be an involved process, requiring the expertise of trained assessors. For this reason, an application fee is payable upon advance of your loan.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "250.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "A dishonour fee is payable when a payment direction you make, such as a direct debit, salary deduction or automatic transfer is dishonoured. The dishonour fee is per dishonour.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "9.00"
        },
        "name": "Dishonour Fee"
      },
      {
        "additionalInfo": "Payable to us when we are required to electronically transfer money for settlement.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "Electronic Transfer Fee"
      },
      {
        "additionalInfo": "First cheque free, thereafter $5 per cheque. Third party fees at cost and unascertainable.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "WITHDRAWAL",
        "name": "Settlement Financial Institution Cheque Fee",
        "variable": {}
      },
      {
        "additionalInfo": "Where you require that we vary the loan amount, a fee will apply.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "VARIATION",
        "fixedAmount": {
          "amount": "75.00"
        },
        "name": "Variation Request Fee"
      },
      {
        "additionalInfo": "The default administration fee for Personal Loans is payable to us when a repayment due under your agreement is not made. The fee is $35 where one payment or less is in arrears, and $50 per month where more than one payment is in arrears. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-loans-fact-sheets",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Default Administration Fee 1"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-08-25T00:00:00+10:00",
    "lendingRates": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal-interest-rates",
        "additionalValue": "P7Y",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0684000000",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "FIXED",
        "loanPurpose": "OTHER",
        "rate": "0.0649000000",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "84",
            "minimumValue": "12",
            "name": "Personal Loan Term",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "MONTH"
          }
        ]
      }
    ],
    "name": "Secured Personal Loan & Car Loan",
    "productCategory": "PERS_LOANS",
    "productId": "PL_securedfixed"
  }
}