Bank of China
Discount Plus Home Loan (with Principal and Interest Repayment)
Discount Plus Home Loan (with Principal and Interest Repayment)
Home loansBank updated 1 July 2026
At a glance
- Variable (owner occ. P&I)
- 5.93% · 6.31% comparison
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied · P&I | — | — | 5.93% | 6.31% | Minimum Loan Amount: $100,000, with LVR <= 80%. |
| Variable | Owner occupied · P&I | — | — | 7.69% | 8.05% | Minimum Loan Amount: $100,000, with LVR >= 80% and <= 90%. |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Annual Fee | Periodic | $395 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
§ 04 — Eligibility & limits
- · Available to individuals
- · Amount $100,000 to no maximum
- · Maximum LVR 90%
§ 06 — Run the numbers
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Published by Bank of China under the Consumer Data Right, last changed by them on 1 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.