Agree with TS...
I just bought one condo..

My rate is 4.05%

Interest 1.30 %+ IBR 2.75%

Im so scared later after OPR increase

In first round of bnm rate cut, covid 19 wasn't a consideration. Loan interest rate cut is unlikely to mitigate supply chain interruption in the short term.
Typical of "for me to know, for you to find out". Answer is same as no answer.

Your loan offered was before 2 time OPR cut

If not mistaken, you having loan with PBB by offering BR + 0.63% = 4.15% (before 23/01/20)

So now your are enjoying 3.65% after 23/01/20 (OPR cut 0.25%) + 03/03/20 (OPR cut again 0.25%)

Of course for those taken loan before 23/01/20, definitely can   

I also having 3.70% interest rate offered but I took the loan last year

I pity those going to apply new home loan, definitely not so lucky to enjoy low rate as us 
         

So conclusion if i wanna buy for own stay this year, should i proceed or no?

Whats this got to do with my question lol. I'm not gov servant btw
Project meaning? New launches?

Oh true oso hor. No wonder ur coconut sounds like automated answering machine. Now I und liao. 😂😂😂

Original posting here: https://forum.lowyat.net/index.php?showtopi...post&p=95731496

Installment due is always the same. Only the amount going into your principal is more since your interest is less now.

The amount due will only be different if you are just serving interest (undercon projects) currently, loan not yet fully disburse.

BNM cut rate again!
https://www.theedgemarkets.com/article/bnm-...ZpnPxBXOO3m8IKo

Low or near zero interest rate in japan for many years didn't increase consumer spending nor rise in property price.

before mco, consumers spending already suffered from overpriced property for the last few years and unlikely will rise in time of uncertainty.

After 20 years, price is still substantially below the peak. will this occur in boleh land?

There are a few similarity between Japan and bolehland property market and economic policy. Bolehland property is likely to track Japan trend with smaller magnitude.

How could sifu learn from a lowly student.
If 100 year loan tenure couldn't spur property prise, what's more 30 years tenure?

You could pulled out Japan price index, sure you could find similarity.

What I foresaw in last few years is more realistic than yours. And what I foresee in near future is also likely more realistic than you. You can believe whatever you wish and I don't intend to change your mind.
I don't hate this country at all, in the contrary love this country. I am just realistic, practical and not blinded by greed.

Reality is in the market and economy. If you need to show intestine to prove is the stomach, you are unworthy to learn.

Time has proven and time will prove again.

Air Asia ava 😜😜😜

Next few years will be interesting time for poorperly market. Those were swimming naked will be revealed.