Which of the following is a type of fixed rate loan product?

A home mortgage is a type of fixed rate loan product because it typically has a constant interest rate and fixed monthly payments over the life of the loan, which can last for 15, 20, or 30 years. This stability allows borrowers to budget their monthly housing costs accurately without worrying about fluctuations in interest rates that could occur with variable rate loans.

In contrast, credit card balances typically carry variable interest rates that can change based on market conditions or the issuer's policies, making them less predictable. Overdraft protection provides coverage for checking accounts but usually does not operate as a traditional loan with fixed terms, and student credit lines often have variable rates as well. This highlights the distinct nature of a home mortgage as a financial product designed for long-term stability in repayment.