{"database": "bankproducts", "table": "interest_rate", "is_view": false, "human_description_en": "where bank_id = \"vali\" sorted by snapshot_date descending", "rows": [["vali:baukredit:rate", "vali:baukredit", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-04", "2026-04-22", "Auf Anfrage; nach Objektart, Belehnung, Bonitaet, Kapitalmarkt.", null], ["vali:lila_saron_hypothek_plus:rate", "vali:lila_saron_hypothek_plus", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-04", "2026-04-22", "Compounded SARON + Marge. SARON-Untergrenze 0.00%.", null], ["vali:lila_umwelthypothek_sanierungen:rate", "vali:lila_umwelthypothek_sanierungen", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-04", "2026-04-22", "-0.3% auf Festhypothek-Saetze. Individuell.", null], ["vali:lila_umwelthypothek_liegenschaft:rate", "vali:lila_umwelthypothek_liegenschaft", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-04", "2026-04-22", "-0.3% auf Festhypothek-Saetze. Individuell.", null], ["vali:familien_hypothek:rate", "vali:familien_hypothek", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-04", "2026-04-22", "-0.2% auf Festhypothek/Variable-Saetze. Individuelles Pricing.", null], ["vali:young_plus_konto:t2", "vali:young_plus_konto", "vali", "credit", 0.0, 20000.0, null, null, "CHF", "2026-06-04", "2026-02-02", null, null], ["vali:young_plus_konto:t1", "vali:young_plus_konto", "vali", "credit", 0.1, 0.0, 20000.0, null, "CHF", "2026-06-04", "2026-02-02", null, null], ["vali:kontokorrent:overdraft", "vali:kontokorrent", "vali", "overdraft", 11.0, null, null, null, "CHF", "2026-06-04", "2026-02-02", "Plus 0.25% Kommission pro Quartal.", null], ["vali:privatkonto:overdraft", "vali:privatkonto", "vali", "overdraft", 12.0, null, null, null, "CHF", "2026-06-04", "2026-02-02", null, null], ["vali:privatkonto:credit", "vali:privatkonto", "vali", "credit", 0.0, null, null, null, "CHF", "2026-06-04", "2026-02-02", "Habenzins 0% (saemtliche Stufen).", null], ["vali:sparkonto:usd_t2", "vali:sparkonto", "vali", "credit", 0.2, 50000.0, null, null, "USD", "2026-06-04", "2026-04-08", null, null], ["vali:sparkonto:usd_t1", "vali:sparkonto", "vali", "credit", 2.0, 0.0, 50000.0, null, "USD", "2026-06-04", "2026-04-08", "HOECHSTE USD-Sparkonto-Rate im CH DB-Cohort.", null], ["vali:sparkonto:eur_t2", "vali:sparkonto", "vali", "credit", 0.2, 50000.0, null, null, "EUR", "2026-06-04", "2026-04-08", null, null], ["vali:sparkonto:eur_t1", "vali:sparkonto", "vali", "credit", 1.5, 0.0, 50000.0, null, "EUR", "2026-06-04", "2026-04-08", "HOECHSTE EUR-Sparkonto-Rate im CH DB-Cohort (peer norm 0.05-0.25%; Alpian 0.75% nach PR #175).", null], ["vali:festhypothek:10y", "vali:festhypothek", "vali", "mortgage_rate", 2.01, null, null, 120, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:9y", "vali:festhypothek", "vali", "mortgage_rate", 1.95, null, null, 108, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:8y", "vali:festhypothek", "vali", "mortgage_rate", 1.9, null, null, 96, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:7y", "vali:festhypothek", "vali", "mortgage_rate", 1.84, null, null, 84, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:6y", "vali:festhypothek", "vali", "mortgage_rate", 1.77, null, null, 72, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:5y", "vali:festhypothek", "vali", "mortgage_rate", 1.71, null, null, 60, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:4y", "vali:festhypothek", "vali", "mortgage_rate", 1.66, null, null, 48, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:3y", "vali:festhypothek", "vali", "mortgage_rate", 1.59, null, null, 36, "CHF", "2026-06-04", "2026-04-22", null, null], ["vali:festhypothek:2y", "vali:festhypothek", "vali", "mortgage_rate", 1.53, null, null, 24, "CHF", "2026-06-04", "2026-04-22", "Richtsatz: Hypothek CHF 500'000 selbstbewohntes Wohneigentum, 1. Hypothek, einwandfreie Bonitaet.", null], ["vali:ws_vorsorge:onrequest", "vali:ws_vorsorge", "vali", "credit", null, null, null, null, "CHF", "2026-06-03", "2026-04-01", "Wertschriftensparen 3a \u2014 Rendite haengt vom gewaehlten Fonds ab; keine Kontoverzinsung publiziert.", null], ["vali:edelmetallkonto:onrequest", "vali:edelmetallkonto", "vali", "credit", null, null, null, null, "CHF", "2026-06-03", "2026-04-01", "Edelmetallkonto fuehrt physische Edelmetalle ohne Verzinsung (Lagerung mit Depotgebuehr); rate=NULL als Marker.", null], ["vali:saron_hypothek:onrequest", "vali:saron_hypothek", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-03", "2026-04-01", "SARON-Hypothek Marge wird individuell vereinbart; nicht publiziert.", null], ["vali:variable_hypothek:onrequest", "vali:variable_hypothek", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-03", "2026-04-01", "Variable Hypothek-Richtsatz wird individuell vereinbart; nicht als Listenzins publiziert.", null], ["vali:festhypothek:onrequest", "vali:festhypothek", "vali", "mortgage_rate", null, null, null, null, "CHF", "2026-06-03", "2026-04-01", "Festhypothek-Zins wird individuell vereinbart; valiant.ch/de/privatkunden/hypotheken zeigt keinen Listenzins.", null], ["vali:lila_sparkonto:credit:over500k", "vali:lila_sparkonto", "vali", "credit", 0.0, 500000.0, null, null, "CHF", "2026-06-03", "2026-02-02", "Guthaben ueber CHF 500'000 wird mit 0% verzinst.", null], ["vali:lila_sparkonto:credit:stage4", "vali:lila_sparkonto", "vali", "credit", 0.1, null, 500000.0, null, "CHF", "2026-06-03", "2026-02-02", "Stufe 4 (top rate; ein Bezug/Jahr ohne Verlust nach Erreichen)", null], ["vali:lila_sparkonto:credit:stage3", "vali:lila_sparkonto", "vali", "credit", 0.075, null, 500000.0, null, "CHF", "2026-06-03", "2026-02-02", "Stufe 3 (Jahr 3 ohne Bezug)", null], ["vali:lila_sparkonto:credit:stage2", "vali:lila_sparkonto", "vali", "credit", 0.065, null, 500000.0, null, "CHF", "2026-06-03", "2026-02-02", "Stufe 2 (Jahr 2 ohne Bezug)", null], ["vali:lila_sparkonto:credit:stage1", "vali:lila_sparkonto", "vali", "credit", 0.05, null, 500000.0, null, "CHF", "2026-06-03", "2026-02-02", "Stufe 1 (Jahr 1) \u2014 escalating rate Treppenmodell. 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