id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
vali:lila_sparkonto:credit:stage1,vali:lila_sparkonto,vali,credit,0.05,,500000.0,,CHF,2026-06-03,2026-02-02,Stufe 1 (Jahr 1) — escalating rate Treppenmodell. Resets on withdrawal in Stufen 1-3.,
vali:lila_sparkonto:credit:stage2,vali:lila_sparkonto,vali,credit,0.065,,500000.0,,CHF,2026-06-03,2026-02-02,Stufe 2 (Jahr 2 ohne Bezug),
vali:lila_sparkonto:credit:stage3,vali:lila_sparkonto,vali,credit,0.075,,500000.0,,CHF,2026-06-03,2026-02-02,Stufe 3 (Jahr 3 ohne Bezug),
vali:lila_sparkonto:credit:stage4,vali:lila_sparkonto,vali,credit,0.1,,500000.0,,CHF,2026-06-03,2026-02-02,Stufe 4 (top rate; ein Bezug/Jahr ohne Verlust nach Erreichen),
vali:lila_sparkonto:credit:over500k,vali:lila_sparkonto,vali,credit,0.0,500000.0,,,CHF,2026-06-03,2026-02-02,Guthaben ueber CHF 500'000 wird mit 0% verzinst.,