Is it better to go for bank loan with say BLR-2% throughout tenure versus those that offer 5.2% for 5 years and BLR -2% thereafter? The key is really what will happen to the BLR in the next 5 years. What is your comment?

Not that serious lar. Just feel not right.

BNM lower down interest rate which primary intention is to cheapen the borrowing cost and spur economy acitvities, but if banks don't want to lower the same degree of reluctant to lower (but they instantly lower the FD rate), then it makes no different for BNM to lower the rate. All interest cut benefit are being channelled into more profit for the banks only, while those FD depositors and pensioner getting little interest out of it, but banks still charge the same loan of interest on loan given. The margin of profit (BLR-Fd rate) is widen.