{
  "snapshot_at": "2026-10-15T13:44:23Z",
  "brand": "Bank of China",
  "brand_slug": "bank-of-china",
  "product_id": "10391363",
  "cdr_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363'",
  "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": "10391363",
    "effectiveFrom": "2021-07-01T00:00:00.000+10:00",
    "effectiveTo": "9999-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-10-08T06:00:00.000+11:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Discount Home Loan (With Principal and Interest Repayment)",
    "description": "Discount Home Loan (With Principal and Interest Repayment)",
    "brand": "BCA",
    "brandName": "Bank of China",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb2/201801/t20180131_11319422.html"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "250000",
        "additionalInfo": "Minimum Loan Amount AUD 250,000"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.9",
        "additionalInfo": "Max 90% with LMI"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "190.00"
        },
        "currency": "AUD",
        "additionalValue": "pay yearly"
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0618",
        "comparisonRate": "0.0638",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "Minimum Loan Amount: $250,000, with LVR <= 80%."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0794",
        "comparisonRate": "0.0813",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "Minimum Loan Amount: $250,000, with LVR > 80% and = 90%."
      }
    ]
  }
}