Bank of China Home Loans

Bank of China is a provider of home loans, personal loans, bank accounts, credit cards and online banking services in the Australian market.

What home loans does Bank of China offer? 

At the time of writing, Bank of China offers a range of home loan products, including:

Owner occupier home loans

  • Standard Variable Rate Home Loan
  • Simple Home Loan
  • Discount Home Loan
  • Discount Plus Home Loan
  • Fixed Rate Home Loan (options for 1-5 years)

Investor home loans

  • Standard Investment Variable Rate Home Loan
  • Discount Investment Home Loan
  • Discount Plus Investment Home Loan
  • Fixed Rate Investment Home Loan (options for 1-5 years)

Canstar does not currently compare Bank of China home loans, but you can compare other home loans provider on Canstar’s database:

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Bank of China home loan features

  • Offset account available on selected loan products
  • Redraw facility available
  • Additional repayments allowed
  • No fee for early repayment

The inclusions above represent a selection of the features available with Bank of China home loans, although the features listed may not apply to every home loan Bank of China offers. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Check upfront with Bank of China and ensure that you read the product disclosure statement (PDS) or other loan documentation to determine all the current loan terms and conditions for the product you are considering, and whether it meets your needs, before committing to it.

What types of home loans does Bank of China offer?

At the time of writing, Bank of China offers the following types of home loans:

  • Variable rate home loan
  • Fixed rate home loan
  • Interest only home loan
  • Investment home loan
  • Refinancing home loan

Loan conditions can be negotiated with Bank of China and are subject to the bank’s approval.

Find out about how different types of home loans work here.

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Home Loans FAQs

Consider following our applying for a home loan checklist, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs (Canstar does not currently compare Bank of China home loans).

If you decide to apply for a Bank of China home loan, you can do this in person at one of the twelve Bank of China branches across Australia or over the phone.

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Bank of China allows extra repayments on its variable interest home loans. Terms and conditions may apply and you should contact Bank of China for details. Find out what difference extra repayments could make to your loan using Canstar’s extra repayments calculator.

Home Loans Extra Repayments Calculator

Bank of China’s variable rate home loans offer a redraw facility. Fees and charges may apply – contact your lender for details.

If you’re in the market for a home loan, compare your home loan options with Canstar:

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Bank of China is one of the largest commercial and consumer banks in China. First establishing its Australian presence in Sydney back in 1942, the bank has operated in its current form since 1985 and offers a comprehensive range of banking services.

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Written by: Sam Bloom | Last updated: November 19, 2018