{"database": "bankproducts", "table": "product_feature", "rows": [["grb:variable_hypothek:pf:atom_275b_variable_only", "grb:variable_hypothek", "pricing_condition", "Atom #275b refinement: Variable Hypothek published, Festhypothek/SARON on request", "GRB is the 5th instance of the atom #275 cohort, refining the mortgage-transparency sub-claim further. The cross-cohort pattern is becoming clear: Variable Hypothek (which is reset frequently anyway) is the most commonly published mortgage rate among small Sparkassen. Festhypothek (long-term commitment, term-tiered) and SARON (margin over external benchmark) are harder to publish as static schedules and more often \"auf Anfrage\". Compare:\n- Bank Gantrisch: Festhypothek (9-tenure) + SARON + Variable + Baukredit all published (full publisher)\n- EKSH: multiple mortgages published\n- Bank Leerau: Variable only\n- Bank EEK: nothing published\n- GRB (this load): Variable only\nThe \"Variable Hypothek published, fixed/SARON on request\" middle-pattern is now the 2nd instance (after Bank Leerau).", null]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "primary_key_values": ["grb:variable_hypothek:pf:atom_275b_variable_only"], "units": {}, "query_ms": 0.9551630000714795, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}