it's good that disney boss clearly states the impact of the up and down of BR/BLR from OPR.
personally i always advocate when considering loan for housing, to add 2% to it and standby the funds accordingly.

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 wonder how much are insurance co offering their fixed rates after all these adjustments.
perhaps those who opting to buy in the near future can take from those as their financiers instead. over the long run, it could be potentially cheaper?