id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
vskb:hypotheque:base:on_request,vskb:hypotheque,vskb,debit,,,,,CHF,2026-08-17,2026-01-01,"BCVS Hypothek-Zinssaetze: individuell offeriert / risk-based (siehe separate BCVS Konditionen-Publikation, nicht in Tarif des frais).",595