Bank A Package

Bank A offers a package of BLR-1.8% for 30 years. (BLR = 6.6%)
Means 6.6 % – 1.8 % = 4.8 %.
If u borrow RM 300,000
You will be paying about RM 1,574 per month.

Bank B Package

Bank B offers a package of BLR- 2.0% for 30 years. (BLR = 6.6%)
Means 6.6 % – 2.0 % = 4.6 %.
If u borrow RM 300,000
You will be paying about RM 1,537 per month.


I think you mean the surplus will be close to 0
so for next year
BLR = 6.6% - 0 % = 6.6%