Is BLR fixed for all the bank? where can get the latest blr?

Is the blr fixed by government? The webpage seems like having the outdated rate? it is past half year rate?

What about floating rate? is it worth than blr + int?

Hi, im planning to re-finance my existing home-loan but not sure whether its worth or not.

Current TL is with Maybank without amount around 200k with MRTA. The prescribe rate is current at BLR +0.35% for 3 years and thereafter BLR +0.25% for 5 years. After that it will be charged at BLR +0.00% until full settlement of loan.

The spicific TnC:
Early settlement fee of 1.5% if the loan is settled within 5 years from the date of full loan realease(starting 2007, still within the time-frame)

May I know what does this specific TnC means? Is it the bank will charge 1.5% of the outstanding loan(current at around 200k), which is RM3,000 if i going for re-finance right now?

Does it worth to refinance at current rate of interest?
Pls advise by PM me.

Thanks a lot