Only those in denial or in transition to anger stage couldn't accept history, facts and data, still wanted to argue over it. you can argue until the cows come home, facts remain unchanged. by accepting the facts as it is will make you easier to face the reality and future.

i can still remember 2018 uob 4.45%. really syok oh below 3.3%

if yesterday bought at future inflated price also gg.com

If cooling measures were sufficient, overhang won't be expanding.

Johor may top the overhang chart, numbers in kv is still substantial and widening.

Our disposable income and economy is not comparable with other countries, is syok sendiri to compare.

Bangkok population is much larger, have many more professionals than kl. those expensive property along sukhumvit you read are mostly for farang, and farang preferred thailand than bolehland.

thai won't buy kl property because it is cheaper than bkk. and you conveniently ignore first batch of china investors in kl are still below water.

it is opposite... people usually spend more as a result of lower interest rates as profit not as much as it seen to be moving forward. Businesses might take this opportunity to reassess the opportunities going to have by borrowing more to expand their capacity and to conduct viable investment as loan rates are lower than before.

Yes. I do understand that BR doesn't necessarily drop according to OPR drop. But BR for a single bank would be the same across the board for all right? So, if an old client of a bank is paying 3.2% interest, and the new client also being offered 3.2%, shouldn't it mean that for both of them BR+spread is the same?

BR is depends on bank negara interest.

Spread is depends on your credit worthiness.

i wonder if anyone still have those blr - x.x% package.
if got those then the loan damn cheap.

imagine many many years ago, there were those blr - 1% package.

fast forward now if blr is 2.5% then including the negative spread means only 1.5%?

I am now dilemma which bank to took for house loan. priority is HLB which offer me 2.88 (BR)+0.32 (SR)

however, heard HLB has the right not follow Bank negara to drop the 0.25% BR. which will occasionally make my loan higher then others later on.
any sifu pls advice

just wanna ask all sifus here, im considering taking a new home loan (1st property) and currently have two offers from Muamalat (offering 3.45%) and UOB (waiting for official offer). is 3.45% rate is good considering the situation now?