{"database": "bankproducts", "table": "interest_rate", "rows": [["nwkb:vorsorge_ws:not_applicable_wrapper", "nwkb:vorsorge_ws", "nwkb", "credit", null, null, null, null, "CHF", "2026-08-09", "2026-01-01", "Wertschriftensparen Vorsorge ist ein Wertschriften-Wrapper (Investment-Loesung im 3a-Rahmen), kein verzinsliches Cash-Konto. Rendite haengt von unterliegenden Fonds ab; \"Zinssatz\" ist nicht meaningful. Cash-3a-Aequivalent ist nwkb:sparen3 (Vorsorgekonto Sparen 3). Muster analog zu frankly:3a_invest (Batch 6, PR #380) \u2014 Cash-Rate NULL, Anlage-Fee als All-in-Fee separat.", null]], "columns": ["id", "product_id", "bank_id", "rate_type", "rate", "tier_floor", "tier_ceiling", "tenor_months", "currency", "snapshot_date", "valid_from", "note", "source_document_id"], "primary_keys": ["id"], "primary_key_values": ["nwkb:vorsorge_ws:not_applicable_wrapper"], "units": {}, "query_ms": 0.784823001595214, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}