Reference Rate

Reference Rate

Base Lending Rate (BLR): 5.89% w.e.f. 17/05/2022

Base Rate (BR): 2.88% w.e.f 17/05/2022


Kuala Lumpur Interbank Offered Rates (KLIBOR): 2.38% w.e.f. 01/07/2022

3-mth KLIBOR based on previous business day.


Historical trend of BLR & BR

Standard Housing Loan's Effective Lending Rate


What is Base Rate?

Base Rate is made up of 2 parts, our benchmark cost of funds (COF) and the Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia. Our benchmark COF now reflects the cost of raising new funds in prevailing market funding conditions based on the 3-month KLIBOR as well as customer deposit rates.

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