id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
,bbo:energietop_hypothek,bbo,mortgage_rate,,,,,CHF,2026-06-09,2026-01-01,"Energietop-Hypothek (energy-efficient mortgage) — base rate ""auf Anfrage"" per Konditionen-Anlegen 2026.",