Bank of China home loan rates
Bank of China's most competitive home loan is the Discount Home Loan - owner-occupier, P&I at 6.13% comparison (5.93% advertised) - 19th of 31 lenders we track, ranked by comparison rate. Rates as at 16 Sept 2026.
Bank of China products (8)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Discount Home Loan - owner-occupier, P&IBank of China | Variable | 5.93% | 6.13% | — | link |
Discount Plus Home Loan - owner-occupier, P&IBank of China | Variable | 5.93% | 6.31% | — | link |
Fixed Rate Home Loan, 5-year termBank of China | Fixed 5yr | 6.39% | 7.67% | — | link |
Fixed Rate Home Loan, 4-year termBank of China | Fixed 4yr | 6.39% | 7.81% | — | link |
Fixed Rate Home Loan, 3-year termBank of China | Fixed 3yr | 6.39% | 7.98% | — | link |
Fixed Rate Home Loan, 2-year termBank of China | Fixed 2yr | 6.29% | 8.13% | — | link |
Fixed Rate Home Loan, 1-year termBank of China | Fixed 1yr | 6.29% | 8.34% | — | link |
Standard Variable Rate Home Loan - owner-occupier, P&IBank of China | Variable | 8.39% | 8.46% | — | link |