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From what I know, Base rate already start effective in Jan 2. Anyone know how the thing works and do it have a great impact on our property loan?

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BNM reduced the OPR rate but CIMB still yet to reduct BR rate. so terrible.

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Maybank has just adjusted their BR recently. My loan amount has just been reduced. Yeshhh!

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from personal experience, if the interest adjusted does not hit amount installment adjustment amount. The bank will not give you the option to reduce your installment?

However, the good news is you will definitely repay your loan sooner than the initial tenure as you are effectively paying "extra" every month towards your loan principle every month.

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@virspiritĀ thanks for sharing