bro, you are making a very big assumption here... 2.5%pm compounding for 12 months [ (1.025)^12-1 ] is 34.49% pa of return! That is better than any equity investment at this moment which all delivers negative return. Please consider the volatility...

LOOK:-
mortgage BLR-2%, about 4%+++
credit card 18%+
personal loan.... dunno let say 20%+

Any borrowing cost is cheaper than your assumption of expected return. FYI, risk free rate we normally use Fixed Deposit ( 3% ++ ) or KLIBOR ( 2% ++ ) only.... therefore anything above that is consider risky investment.

Hi all bank mortgage executives,
OPR has been slashed by 75 basis point about 2 weeks ago. Some bank had announced to cut BLR to 5.95%. What is the latest BLR by your bank? Thanks.