id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
banknow:credit_now_homeowner:apr_indicative,banknow:credit_now_homeowner,banknow,consumer_credit,,,,,CHF,2026-06-01,2026-01-01,"Reduzierte Rate fuer CH-Hauseigentuemer; konkrete Range nicht publiziert, aber unter dem 4.9% Headline.",