|2010||6.05||Adjusted May 2010|
|5.80||Adjusted March 2010|
|2008||6.75||Adjusted March 2009|
The Overnight Policy Rate (OPR) from Bank Negara Malaysia is reference for banks in BLR adjustments, but there might differ from bank to others bank. At the global money market down turn, BLR will get lower and if the money market on uptrend, it will correlation upward. It is wisely and timely to consider take up mortgage loan and start to own your property at the lower BLR as current.
From the record, it shows that the highest BLR Malaysia ever has is 12.27% in year 1998 and the lowest BLR is 5.55% in year 2009. The average is 8.1%. Probably you can use this to justify whether it is better to take the fixed rate loan or floating mortgage loan (BLR +/- x% ). Below table shows the Malaysia Base Lending Rate (BLR) record from year 1989 to year 2010.
如果有一天，贷款利率升到当年酱 9% - 12%
FD 利率到 6% 多，会变成怎样的世界 ？