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🏠 Mortgage Management Info – Powered by Proptech Foundation 💬 What You Need to Know About Interest Rate Hikes: ➤ Most home loans in Malaysia are floating rate loans, tied to OPR / BR / SBR. ➤ When Bank Negara Malaysia (BNM) raises the OPR, banks will increase their lending rates — meaning your monthly instalment also goes up. ➤ Even a small 0.25%–0.50% hike can make a big difference — adding hundreds of ringgit to your payment! ➤ Example: A RM500,000 loan (30 years) → just a 0.5% hike means about RM140 more every month. 🔍 1️⃣ What This Really Means for You • Your loan repayments can change anytime OPR moves up. • Floating rate loans are linked to: – BR (Base Rate) – each bank’s own rate – SBR (Standardised Base Rate) – same across all banks – BLR (Base Lending Rate) – the old system, being phased out 💡 In short: When rates rise, your monthly payment automatically increases. ⚙️ 2️⃣ Why It Happens ➡ When Bank Negara raises the OPR, banks immediately increase BR/SBR, and your loan interest rate goes up too. ⚠ This move helps control inflation — but it can be painful for borrowers with high debt or tight budgets. 📊 Example: RM500,000 loan at 5% → OPR rises → rate becomes 6% → monthly repayment jumps significantly. 👀 3️⃣ Who Needs to Be Extra Careful • Homeowners with high loan-to-value (LTV) ratios • Borrowers on floating rates without fixed-rate protection • Anyone with tight monthly cash flow 💡 Smart Tip: Always track your loan. If possible, make small extra payments. Don’t let interest rate changes catch you off guard!