id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
nekb:hypoflex:modifier,nekb:hypoflex,nekb,mortgage_rate,,,,120,CHF,2026-08-02,2026-07-01,Modificateur: +0.10% de majoration sur taux fixe 10 ans (option Hypoflex ajoutee sur hypotheque residence principale).,