Bank of China Home Loan Rates & Reviews

Bank of China Home Loans as of May 2025

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Link	Compare
Bank of China	Bank of China Discount Plus Home Loan 90	5.68% p.a.	6.06% p.a.	$2,896	Principal & Interest	Variable	$395	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Home Loan 80	5.68% p.a.	6.06% p.a.	$2,896	Principal & Interest	Variable	$395	$null	80%	More details	Compare
Bank of China	Bank of China Discount Home Loan	5.68% p.a.	5.88% p.a.	$2,896	Principal & Interest	Variable	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (2 years)	5.69% p.a.	7.81% p.a.	$2,899	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (3 years)	5.69% p.a.	7.59% p.a.	$2,899	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (1 year)	5.79% p.a.	8.06% p.a.	$2,931	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (3 years)	5.89% p.a.	7.86% p.a.	$2,962	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (5 years)	5.89% p.a.	7.31% p.a.	$2,962	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (4 years)	5.89% p.a.	7.47% p.a.	$2,962	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (2 years)	5.89% p.a.	8.09% p.a.	$2,962	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Investment 90	5.98% p.a.	6.35% p.a.	$2,991	Principal & Interest	Variable	$395	$null	90%	More details	Compare
Bank of China	Bank of China Discount Investment	5.98% p.a.	6.17% p.a.	$2,991	Principal & Interest	Variable	$190	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Investment 80	5.98% p.a.	6.35% p.a.	$2,991	Principal & Interest	Variable	$395	$null	80%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (1 year)	5.99% p.a.	8.35% p.a.	$2,995	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Discount Investment (IO)	6.08% p.a.	6.27% p.a.	$2,533	Interest-only	Variable	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (5 years)	6.09% p.a.	7.56% p.a.	$3,027	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (4 years)	6.09% p.a.	7.73% p.a.	$3,027	Principal & Interest	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (IO) (4 years)	6.29% p.a.	7.80% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (IO) (5 years)	6.29% p.a.	7.65% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (IO) (1 year)	6.29% p.a.	8.38% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (IO) (3 years)	6.29% p.a.	7.98% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Investment (IO) (2 years)	6.29% p.a.	8.17% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (IO) (5 years)	6.29% p.a.	7.48% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (IO) (4 years)	6.29% p.a.	7.62% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (IO) (1 year)	6.29% p.a.	8.11% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (IO) (3 years)	6.29% p.a.	7.76% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Fixed Rate Home Loan (IO) (2 years)	6.29% p.a.	7.93% p.a.	$2,621	Interest-only	Fixed	$190	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Home Loan 80 (IO)	6.38% p.a.	6.75% p.a.	$2,658	Interest-only	Variable	$395	$null	80%	More details	Compare
Bank of China	Bank of China Discount Plus Home Loan 90 (IO)	6.38% p.a.	6.75% p.a.	$2,658	Interest-only	Variable	$395	$null	90%	More details	Compare
Bank of China	Bank of China Discount Home Loan (IO)	6.38% p.a.	6.57% p.a.	$2,658	Interest-only	Variable	$190	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Investment (IO)	6.48% p.a.	6.84% p.a.	$2,700	Interest-only	Variable	$395	$null	90%	More details	Compare
Bank of China	Bank of China Discount Plus Investment 80 (IO)	6.48% p.a.	6.84% p.a.	$2,700	Interest-only	Variable	$395	$null	80%	More details	Compare
Bank of China	Bank of China Standard Variable Rate Home Loan (IO)	8.14% p.a.	8.20% p.a.	$3,392	Interest-only	Variable	$0	$null	90%	More details	Compare
Bank of China	Bank of China Standard Variable Rate Home Loan	8.14% p.a.	8.20% p.a.	$3,718	Principal & Interest	Variable	$0	$null	90%	More details	Compare
Bank of China	Bank of China Standard Investment Variable Rate	8.45% p.a.	8.51% p.a.	$3,827	Principal & Interest	Variable	$0	$null	90%	More details	Compare
Bank of China	Bank of China Standard Investment Variable Rate (IO)	8.45% p.a.	8.51% p.a.	$3,521	Interest-only	Variable	$null	$null	90%	More details	Compare

More home loans

Variable Home Loan P&I <90%

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw
Add an optional offset sub-account, T&C's apply.

Monthly repayments: $2,344

5.79% Advertised Rate (p.a.)

5.83% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

Rates correct as of . View disclaimer.

Important Information and Comparison Rate Warning

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For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

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