opr

Confused about why your home loan instalments keep changing? This 2026 guide explains Malaysia’s Standardised Base Rate, how it differs from BR and BLR, and how each affects your real borrowing cost. Learn how SBR links to OPR, what spreads mean, and how to compare loans confidently.

Discover how Malaysia’s Overnight Policy Rate (OPR) shapes housing loan interest rates, monthly instalments, and loan approvals in 2026. Learn how OPR movements affect affordability, fixed versus floating loans, and what buyers should consider before securing a mortgage.

If you are torn between buying a home in 2023 or to continue renting before getting onto the property ladder, then this article is for you.

Still wondering what is BLR when comparing housing loans? This 2026 guide explains how Malaysia moved from BLR to BR and now SBR, how each system links to the OPR, and why that matters for your monthly instalments. Learn the key differences, how rate changes affect repayments, and what to check before choosing or refinancing a home loan.

BNM said that at the current OPR level, the monetary policy stance is slightly accommodative and remains supportive of the economy and the MPC continues to see limited risks of future financial imbalances.

The Overnight Policy Rate (OPR) has been increased by Bank Negara Malaysia (BNM) by 25 basis points from 2.75% to 3% on 3 May 2023. Let's take a look at how this will affect your home loan.

Here’s a 12-step checklist where we include the latest housing schemes and government incentives, home financing updates, as well buying tips to help you make the best purchasing decision.

According to Bank Negara Malaysia (BNM), a new Standardised Base Rate (SBR) will replace the Base Rate (BR) for new retail floating-rate loans in Malaysia. The revised Reference Rate Framework will be effective on 1 August 2022.