Bank of China Fixed Rate Home Loan (Principal and Interest) 5 years | Review & Compare Home Loans

Fixed Rate Home Loan

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Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

3.82

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,390

based on $300,000 loan amount for 25 years at 2.79%

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Summary
Features & fees
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Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

3.82

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,390

based on $300,000 loan amount for 25 years at 2.79%

Calculate your repayments for this loan

Your estimated repayment

$1,390

based on $300,000 loan amount for 25 years at 2.79%

Based on your details, you can compare and save on the following home loans

Monthly Repayment

$1,199

based on $300,000 loan amount for 25 years at 2.09%

Advertised Rate

2.09

% p.a

Intro 24 months

Comparison Rate*

2.52

% p.a

Cashback

Refinance and get $3,000 cashback for new Owner Occupier and Investment Loans. Terms and Conditions apply.*~ Ends in 5 days

Real Time Rating™

More Features

Monthly Repayment

$1,147

based on $300,000 loan amount for 25 years at 1.85%

Advertised Rate

1.85

% p.a

Intro 24 months

Comparison Rate*

2.21

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,107

based on $300,000 loan amount for 25 years at 1.99%

Advertised Rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

special

Yard’s low-rate variable special home loan~ Ends in about 1 month

Real Time Rating™

More Features

Quick home loan review

For Fixed Rate Home Loan (Principal and Interest) 5 years

These are the benefits of this home loan.

Lower than average interest rate
No upfront fees

These are the drawbacks of this home loan.

No redraw and no offset
Loan reverts to higher rate after fixed period
Not available for first home buyers
Ongoing fee
Discharge fee at end of loan
No repayment holidays

Home loan overview

For Fixed Rate Home Loan (Principal and Interest) 5 years

Details
Features
Fees
Application method

Details

Maximum LVR 80%	Total Repayments $417,000 View repayment schedule »
Next LVR	Interest rate type Fixed - 5 years
Borrowing range $150k - $100m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 0 - 30 years	Principal & interest
Interest only	Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make repayments Monthly

Features

Extra repayments Unlimited extra repayments	Offset account No
Redraw facility	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 0	Application fee 0
Legal fee $0	Valuation fee $0
Settlement fee 0	Other upfront fee 0
Ongoing fee $190 annually	Discharge fee 450

Application method

Online	Phone
Broker	In branch

Other Restrictions

Other fees may apply

Compare and review home loans with similar features

Advertised Rate

2.47

% p.a

Fixed - 5 years

Comparison Rate*

2.25

% p.a

Interest rates ranked in the best 20%
No upfront fees
Split account option

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Advertised Rate

2.74

% p.a

Fixed - 5 years

Comparison Rate*

3.11

% p.a

Lower than average interest rate
100% full offset account

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Advertised Rate

4.19

% p.a

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Comparison Rate*

4.90

% p.a

Parents can sign as guarantor
Extra repayments and redraw facility
Free redraw facility
Split account option

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Advertised Rate

2.79

% p.a

Fixed - 5 years

Comparison Rate*

2.51

% p.a

Lower than average interest rate
No upfront or ongoing fees
100% full offset account
Parents can sign as guarantor

Real Time Rating™

FAQs

The range you can borrow from this loan is $150k to $99,999,999.

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

Bank of China allows you to have this loan for a range of 0 to 30 years.

Bank of China allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

No, this loan doesn't come with a redraw facility.

To apply for this loan, please contact Bank of China.

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