id,product_id,feature_key,feature_value,note,source_page
grb:variable_hypothek:pf:atom_275b_variable_only,grb:variable_hypothek,pricing_condition,"Atom #275b refinement: Variable Hypothek published, Festhypothek/SARON on request","GRB is the 5th instance of the atom #275 cohort, refining the mortgage-transparency sub-claim further. The cross-cohort pattern is becoming clear: Variable Hypothek (which is reset frequently anyway) is the most commonly published mortgage rate among small Sparkassen. Festhypothek (long-term commitment, term-tiered) and SARON (margin over external benchmark) are harder to publish as static schedules and more often ""auf Anfrage"". Compare:
- Bank Gantrisch: Festhypothek (9-tenure) + SARON + Variable + Baukredit all published (full publisher)
- EKSH: multiple mortgages published
- Bank Leerau: Variable only
- Bank EEK: nothing published
- GRB (this load): Variable only
The ""Variable Hypothek published, fixed/SARON on request"" middle-pattern is now the 2nd instance (after Bank Leerau).",