Salam..
Hari ni nak share BLR rate & trend for the past 10 years. Kepada yang beli rumah mesti tahu apa BLR rate dan apa pentingnya 'figure'BLR ni utk buat loan. Paling tinggi >12% masa krisis ekonomi tahun 1998.. dan di sebabkan tu jugak kitaorang buat islamic package 7.6%. pada tahun 2006. Dan bila berlaku krisis ekonomi 2008 kerajaan buat pendekatan utk mengurangkan beban pemiutang dengan kadar BLR 5.55 % which is terendah dalam sejarahh..!!
So latest BLR dah naik ke 6.30%. Kepada yg tengah cari rumah.. bleh refer sini utk BLR rate bank2 terkemuka.
Last Reported BLR : 6.30% (Effective since 13 July 2010)
(Rate refreshed on 04 Nov 2010)
BLR is a minimum interest rate calculated by banking institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs. This is defined by central bank of the countries.
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.
Nak tahulanjut layari :
http://www.blr.my/
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