Ok.. on a serious note la..

i am seeing 5.5 to 6.5%

2016

If u are seeing 5%.. tat means a lot of loan will be seeing effective rate of like 5.5% already, for mortgage as an example.. p loan and others will be even crazier

huhu

This post has been edited by Bonescythe: Jun 8 2015, 11:28 PM

Yea.. but it is a 2 way game..
when the dividend is not attractive.. the price is low lo.. u can capitalize on low price and wait for future capital gains opportunity.

if looking for current income.. of cuz money market fund like FD looks good at 5% to 6%

U see.. the reason for the high rate is because of the basel III requirement.. BNM wants bank to have 100% LCR rate gradually..
starting 2015 = 60%
2016 = 70
2017 =80
2018 = 90
2019 = 100

Yea.. a lot of bank is reporting on a healthy buffer, some are above 100%.. but that had not been factor in on the loan that had been lock in however yet to be disburse out.. for example, undercon property.

with more completion, more loan disbursed out in gradual stage.. so the 100% now that the bank is sitting might not be enough in the coming days.. hence, the race towards steady fund from the retailer (FD) is intensifying upwards..

So the requirement is a push factor.. couple off with the lower extra income nature (due to higher cost of living from gst n etc).. that makes $$$ even tighter..

well.. above just my opinion..

Good scenario.

i am seeing malaysia heading for scenario no.2