Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤90%
Bank of China · Fixed · Updated September 2026
Bank of China Fixed Home Loan Rates, September 2026
Bank of China lists 24 fixed home loans in the Ratesniffers index today. The lowest is 6.39% p.a. on a 1-year fixed term, on 1 Year Fixed Owner Occupied IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Bank of China fixed home loan rates, September 2026
Lowest Bank of China fixed rate by term: 1-year 6.39% p.a., 2-year 6.39% p.a., 3-year 6.39% p.a. (comparison 7.95%), 4-year 6.39% p.a. (comparison 7.79%), 5-year 6.39% p.a. (comparison 7.65%).
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.39%p.a.
Comparison*
7.65%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.65%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.39%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.79%p.a.
Comparison*
7.85%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.59%p.a.
Comparison*
7.90%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
7.90%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.39%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.79%p.a.
Comparison*
7.96%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
8.01%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.59%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,190
LVR ≤90%
Interest
6.79%p.a.
Comparison*
8.09%p.a.
Est. repayment
$3,256
LVR not stated
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Bank of China · Fixed
Bank of China fixed home loans, what to weigh
Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.
See also Bank of China's full product range, repayment calculator, and refinance savings calculator.