that means bank negara and gov are both big joke lor... like doing nth, bank negara like this is always a joke:

a) RPGT naik 30%
b) removal of DIBS
c) foreigner consents
d) OPR naik
e) BR by next year
f) GST

you know what, after this, i confirm must BBB more..

if really mere 1% will have the same effect you mention above and further based on high household debt proven by gov that is 86.8% and the fact that only less than 7% are earning 7k and 10k above respectively, while the majority are middle class and low salary earners according to EPF and PEMANDU, that means these group of middle class and low are the ones taking heavy loans, the 86.8% household debt are also based on them as well.. with only 1% to see these effect coming, it is more certain to say many middle class out there are stretching to the max/ nearly stretching to the max... just by mere 1% only..

no idea of i household DSR.. i only heard DSR before

but hosehold debt= 86.8% , means once salary nett out say 3k, 86.8% of the said salary already used to pay commitments such as car loans, credit cards, personal loans, construction loans, housing loans and etc. and out of the 86.8% the largest portion goes to housing loans(aka flipped properties for home owners, and invested properties for flippers or investors), in this case the housing loans itself could 70%. how to survive with remaining

100%-86.8%= 13.2% for the whole month? food? petrol other miscellaneous? car repairs? GST? increased BLR of merely RM200 monthly for 500k loan? hehe

surely not enought for the month, how? then delay and non prompt payment, use credit cards cover last months debt, dun pay all commitments till very last minute, service housing loans first...