I buying a <300k property...I wish to get somthing at 3.9 or 4.0

I saw 3.5 but it for porperty> 500k...

the new BR, which came into effect on January 2, 2015,interest rates are determined by the banks’ benchmark cost of funds and Statutory Reserve Requirement (SRR). Other components of loan pricing such as borrower credit risk, liquidity risk premium, operating costs and profit margin will be reflected in a spread in the new BR framework.
Why the change?
Instead of a fixed rate under BLR, BR is determined by banks without intervention by the central bank, and should differ from bank to bank depending on their own efficiencies in lending.

https://www.imoney.my/articles/all-about-th...-base-rate-work

what lower rate they gives you now may be changed 2 yrs down the road while others may not have change.....

Unless you are a developer looking to borrow 10mil+, then no.

If liddat, a lot of people will be negotiating rd

Depends on the quantum of he loan, and your relationship with the bank

Depends on your profile. You can try.

Is sub-4 even possible nowadays? I thought even a 1mil+ prop banks would give 4.0-4.1 at the lowest

I think pbb is offering a attractive rate for loan, it is 4.1% if the loan amount is around 300k loan.

my friend bought Prima new project 290k but the banks give him the rate of 4.7% which is surprisingly quite high. BR+1.7%(you guess which bank dy).

I think the 3.5% loan is provided by local banks but you need to take care of the terms and conditions, I have went through it last time. It says it is term loan and is not semi flexi loan. the annual interest calculated is 3.5/100*loan tenure*loan amount, the way of calculation is same for loan to buy a car. they calculated that way which is different from reducing principal method. you need to consult that particular banker for further clarification.

Anyway the loan interest rate is mainly depend on:
1. which bank you loan with, each bank have difference criteria of lending set by BNM
2. property portfolio, whether title available, remaining lease, etc
3. lender profile, e.g. CCRIS profile, DSR, commitment, basic monthly spending, employment income, rental income etc, judged by the banks