Personal Banking

Investment Home Loan Interest Rates

             

Investment Home Loan Interest Rates

Repayment Type

Loan Type

Rates p.a.

Offset

Australian Income

Overseas Income

Annual percentage rate

Comparison rate*

Annual percentage rate

Comparison rate*

 

Standard Investment Variable Rate^

5.30%

-

5.30%

-

 

Principal and Interest

Discount Investment Home Loan

4.65%

4.86%

4.65%

4.86%

 -

Discount Plus Investment Home Loan

4.65%

5.05%

4.65%

5.05%

Full

1 Year Fixed Rate

4.69%

5.44%

4.79%

5.45%

 -

2 Year Fixed Rate

4.59%

5.37%

4.69%

5.39%

 -

3 Year Fixed Rate

4.69%

5.34%

4.79%

5.36%

 -

4 Year Fixed Rate

4.79%

5.32%

4.89%

5.36%

 -

5 Year Fixed Rate

4.79%

5.29%

4.89%

5.33%

 -

Interest Only**

Discount Investment Home Loan

4.95%

5.16%

4.95%

5.16%

 -

Discount Plus Investment Home Loan

4.95%

5.34%

4.95%

5.34%

Full

1 Year Fixed Rate

4.69%

5.44%

4.79%

5.45%

 -

2 Year Fixed Rate

4.59%

5.37%

4.69%

5.39%

 -

3 Year Fixed Rate

4.69%

5.34%

4.79%

5.36%

 -

4 Year Fixed Rate

4.79%

5.32%

4.89%

5.36%

 -

5 Year Fixed Rate

4.79%

5.29%

4.89%

5.33%

 -

             

1.      Please refer to our Home Loan Product Sheets for details regarding our home loans. The Product Sheets are available at our retail branches in Australia.

2.      Rates are effective from 16 August 2017 and are subject to change from time to time.  Rates are available for new borrowings only and do not apply to applicants who switch their existing home loan with the Bank to new products. Fees, charges and eligibility criteria apply. All applications for credit are subject to our normal lending criteria. Terms and conditions apply and are available on application.

3.      ^Standard Investment Variable Rate is our reference interest rate that is applicable for Bank of China Investment Home Loans. The Standard Investment Variable Rate is a variable rate and is subject to change from time to time. Information on our current reference interest rates is available on our website at www.bankofchina.com/au.

4.      * The comparison interest rate calculation is based on a designated loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate, but may influence the cost of the loan.  Note: We do not provide credit for an amount of less than $250,000 for Discount Investment Home Loan, $150,000 for Fixed Rate products and $100,000 for Discount Plus Investment Home Loan.

** For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

5.      Credit provider is Bank of China (Australia) Limited ABN 28 110 077 622 AFSL/Australian Credit Licence number 287322.

6.      To find out more information visit www.bankofchina.com/au or phone Bank of China (Australia) Ltd on (02)92123877/ (03)96023655 / (07)32218888.