Hi all sifu, I have some question, last time I get a loan under Uob, that time is bank negara decide BLR, then depends on our offer is -2.X %. Then this few years , all bank started to have different interest rate.. Uob blr now is very high compare to other bank which is 7.07%.after deduct my -2.3% . I have to pay the interest rate of 4.77%..
This is unpredictable for me as last time blr is set by bank negara. And all bank is having same blr...

Now I m stuck... What can I do actually... Only can choose to refinance?