Big banks are planning to increase mortgage rates next month. Please be aware that BNM will definitely increase overnight rates @ its next meeting.

Our market is definately in the bear market, but how severe? Well depends on the monetary and fiscal policies the BNM and government enacted.

Again, this is a public forum; and you may treat my comments/opinions as speculation but since i work with a big financial institution , i can only release what i can to help my fellow friends in the forum without endangering my job.