Bank of China Fixed Rate Investment Loan (Interest Only) 4 years | Review & Compare Home Loans

Fixed Rate Investment Loan

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Interest Rate

4.99

% p.a

Fixed - 4 years

Comparison Rate*

4.85

% p.a

Maximum LVR

90%

Real Time Rating™

Monthly Repayment

$1,248

based on $300,000 loan amount for 25 years at 4.99%

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Summary
Features & fees
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Interest Rate

4.99

% p.a

Fixed - 4 years

Comparison Rate*

4.85

% p.a

Maximum LVR

90%

Real Time Rating™

Monthly Repayment

$1,248

based on $300,000 loan amount for 25 years at 4.99%

Calculate your repayments for this loan

Your estimated repayment

$1,248

based on $300,000 loan amount for 25 years at 4.99%

Here are some similar home loans that you may be interested in

TMD

Monthly Repayment

$1,346

based on $300,000 loan amount for 25 years at 2.5%

Interest Rate

2.10

% p.a

Intro 24 months

Comparison Rate*

2.46

% 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

$1,292

based on $300,000 loan amount for 25 years at 2.14%

Interest Rate

2.14

% p.a

Variable

Comparison Rate*

2.14

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,292

based on $300,000 loan amount for 25 years at 2.14%

Interest Rate

2.14

% p.a

Variable

Comparison Rate*

2.14

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

More Features

Quick home loan review

For Fixed Rate Investment Loan (Interest Only) 4 years

These are the benefits of this home loan.

No upfront fees

These are the drawbacks of this home loan.

No redraw and no offset
Higher than average interest rate
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 Investment Loan (Interest Only) 4 years

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 90%	Total Repayments $374,400 View repayment schedule »
Next LVR	Interest rate type Fixed - 4 years
Borrowing range $150k - $100m Calculate how much you can borrow	Suitable for Investors
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 250

Application method

Online Compare	Phone
Broker	In branch

Available

Not available

Data not captured

Specials

Cashback Refinance Cashback of $3000 for externally refinanced and $888 for new purchases. Annual fee of $395 waived for new customers who setup direct debit of loan repayments.
Promotional rates and cashback offer available for loan applications received from 14 April 2022 to 30 June 2022 and settled before 30 September 2022. Promotional rates and cashback offer available for loan applications fully assessed on Australian Income with an LVR ≤ 80%. Each customer (including each holder of joint accounts) can only participate once Cashback offer. Cashback applies for external refinanced eligible loans if the borrower sets up a Bank of China account for direct debit of loan repayments Cashback offer applies for home loan applications with new security property to Bank of China. No special offers for LMI applications.

Target Market Determination

Visit Bank of China to view Target Market Determination.

Other Restrictions

Other fees may apply

Checkout more home loans

Interest Rate

4.59

% p.a

Fixed - 4 years

Comparison Rate*

3.42

% p.a

No upfront or ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

5.39

% p.a

Fixed - 4 years

Comparison Rate*

4.19

% p.a

No ongoing fees

Real Time Rating™

Interest Rate

5.04

% p.a

Fixed - 4 years

Comparison Rate*

4.37

% p.a

Parents can sign as guarantor
Split account option

Real Time Rating™

Interest Rate

4.79

% p.a

Fixed - 4 years

Comparison Rate*

3.60

% p.a

No upfront or ongoing fees
Split account option

Real Time Rating™

Product data updated on 18 May 2022

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 90 percent, which means it requires a minimum deposit of 10 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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