查看: 2213|回复: 27
|
OPR 减0.75 bp,现在2.5%了
[复制链接]
|
|
发表于 22-1-2009 01:10 AM
|
显示全部楼层
原帖由 mjchua 于 22-1-2009 01:00 AM 发表
不需要臉青青啦... 去 refinance 就好...
若 fixed rate 5.70% - 3.75% = 1.95%
差了 1.95% 足夠做 refinance, bank 自然會 counter offer
問題是 BLR 會不會跟著降 0.75% 那才是重點.
Fix rate 通常是保险公司的,不是 bank 的。会不会 counter 不清楚,用保单绑住倒是一早就做了... |
|
|
|
|
|
|
|
发表于 22-1-2009 12:57 AM
|
显示全部楼层
|
|
|
|
|
|
|
Monetary Policy StatementAt the Monetary Policy Committee (MPC) meeting today, Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) by 75 basis points to 2.50 percent. The ceiling and floor rates of the corridor for the OPR are correspondingly reduced to 2.75 percent and 2.25 percent respectively. The Statutory Reserve Requirement (SRR) is also reduced from 3.5 percent to 2 percent, effective from 1 February 2009. With the heightened downside risks to growth, the magnitude of the reductions in the OPR and the SRR are aimed to be pre-emptive in providing a more supportive monetary environment for the domestic economy.
The international economic and financial conditions have deteriorated much more significantly in the recent period. The major industrial economies are now experiencing a recession and this has significantly increased the risks to global growth. The contraction in global demand and trade, combined with the reduction in global commodity prices, has affected the export earnings of many of the regional economies, including Malaysia. These contractionary factors have been exacerbated by the protracted turmoil in the international financial markets.
The sharper deterioration of the global economy is expected to have a greater impact on the Malaysian economy. The large decline in external demand has already led to a contraction in exports and a moderation in the pace of private investment activity. In addition, these developments have also affected labour market conditions. Under these circumstances, the urgent implementation of policy measures will be key towards ensuring that the Malaysian economy continues to experience positive growth in 2009.
In an environment of moderating growth and the significantly lower commodity prices, inflation has continued to decelerate to 4.4 percent in December 2008. This deceleration is expected to continue with the weaker demand conditions and lower imported inflation.
Given that the Malaysian banking system remains fundamentally sound, the Bank's efforts will continue to be directed towards ensuring access to credit to all sectors of the economy, and that the reduction in interest rates would be reflected in lower borrowing costs.
http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=1746
BLR如果也跟着的话,那就变成5.75,要快快还loan了。。。
FD就。。。。 |
|
|
|
|
|
|
|
发表于 21-1-2009 09:31 PM
|
显示全部楼层
原帖由 CalvinCLK 于 21-1-2009 06:08 PM 发表
Monetary Policy StatementAt the Monetary Policy Committee (MPC) meeting today, Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) by 75 basis points to 2.50 percent. The ceiling an ...
大大,可以翻译吗? |
|
|
|
|
|
|
|
发表于 21-1-2009 09:32 PM
|
显示全部楼层
應付全球經濟急速惡化‧國行降息0.75%
* 國內
* 頭條新聞
2009-01-21 20:01
*
國行宣佈大降息75個基點,調幅之大超越市場預期的減息50個基點,並創下10年新低記錄。(圖:星洲日報)
(吉隆坡)由於國際經濟情況急速惡化,對大馬經濟的破壞力已顯現,刺激經濟行動刻不容緩,國家銀行今日(週三,1月21日)宣佈大幅降息,隔夜政策利率大減0.75%至2.5%,以提振經濟表現,讓國家經濟今年可以保持正面成長率。
經濟學家說,出爐的經濟數據已經凸顯全球衰退的打擊,大馬必須更積極更緊急的應對措施,以刺激成長,在降息後,相信今年首季陸續會有更多配套和措施出爐,全力拼經濟,保成長。
裁神到!經濟不景氣,留意公司釋放的警訊,才能保住你的飯碗!
國行週三舉行今年首度的貨幣政策委員會議息會議,出乎市場意料的宣佈大降息75個基點,調幅之大超越市場預期的減息50個基點,並創下10年新低記錄。
銀行法定儲備金降至2%
同時,為了鼓勵銀行在利率降低的同時繼續放貸市場,促進商業和消費活動,國行也宣佈從2月1日起,銀行法定儲備金(SRR)也將從3.5%降低1.5%至2%。
國行發表文告指出,隨著調降利率75個基點,隔夜政策利率波幅的頂限及底限水平,也分別降至2.75%及2.25%。
國行說,由於經濟成長下跌風險升高,隔夜政策利率及法定儲備率的降幅,主要是前瞻性措施,通過貨幣政策為國內經濟提供一個更具支撐力的氛圍。
國際經濟及金融狀況在期嚴重惡化,主要先進工業經濟體已面臨衰退,全球經濟成長萎縮的風險提高。
國行說:“全球市場需求及貿易萎縮,加上原產品價格的下滑,已經影響區域經濟體,包括大馬在內。而這些萎縮因素,更在國際金融市場風暴推波助瀾下進一步加劇。”
外圍市場需求大幅下跌
全球經濟更劇烈的惡化,料將對大馬經濟產生更大的衝擊。外圍市場需求大幅度下跌,已經使出口萎縮及私人投資活動放緩。
同時,國行表示,這些最新的惡劣發展,也已經打擊大馬的勞力市場。
國行說,在上述種種不利情況下,緊急推行政策措施,將是確保大馬經濟於2009年持續獲得正面成長的主要關鍵。
“在經濟成長放緩的環境,以及原產品價格顯著偏低,使2008年12月份的通膨率持續下跌至4.4%。隨著市場需求疲弱及偏低的進口通膨,預料通膨率將繼續下滑。”
國行說,由於大馬銀行體系的基本因素保持良好,國行將繼續努力,確保經濟各領域持續獲得信貸便利,而調低利率將反映更低的貸款成本。
星洲日報‧2009.01.21 |
|
|
|
|
|
|
|
发表于 21-1-2009 09:54 PM
|
显示全部楼层
然后BLR也会减0.75%, 那不是现在只有5.75% ? |
|
|
|
|
|
|
|
楼主 |
发表于 21-1-2009 10:05 PM
|
显示全部楼层
如果一间银行减,你说其他的会不减吗? BLR 5.75...爽。。。 |
|
|
|
|
|
|
|
发表于 21-1-2009 10:17 PM
|
显示全部楼层
原帖由 CalvinCLK 于 21-1-2009 06:08 PM 发表
Monetary Policy StatementAt the Monetary Policy Committee (MPC) meeting today, Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) by 75 basis points to 2.50 percent. The ceiling an ...
现在正是买屋好时期! |
|
|
|
|
|
|
|
发表于 22-1-2009 01:00 AM
|
显示全部楼层
原帖由 harimau 于 22-1-2009 12:57 AM 发表
我看到那些拿 fix rate 的,脸青青。
BLR-2 = 3.75
不需要臉青青啦... 去 refinance 就好...
若 fixed rate 5.70% - 3.75% = 1.95%
差了 1.95% 足夠做 refinance, bank 自然會 counter offer
問題是 BLR 會不會跟著降 0.75% 那才是重點. |
|
|
|
|
|
|
|
发表于 22-1-2009 01:15 AM
|
显示全部楼层
原帖由 harimau 于 22-1-2009 01:10 AM 发表
Fix rate 通常是保险公司的,不是 bank 的。会不会 counter 不清楚,用保单绑住倒是一早就做了...
那就只好自求多福... 如你所言... 臉青青 ? |
|
|
|
|
|
|
|
发表于 22-1-2009 08:32 AM
|
显示全部楼层
我今天早上看到报纸,立刻上来cari... 原来我比各位大大迟了一步。。
不管利息将会降多少,反正降了就是好事。
但是Hor。。 我看到报导说雇主付的EPF 可能会从12% 降至 9 %。。。。。 |
|
|
|
|
|
|
|
发表于 22-1-2009 08:42 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:07 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:10 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:11 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:14 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:25 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 09:39 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 10:06 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 22-1-2009 12:57 PM
|
显示全部楼层
原帖由 trust86 于 22-1-2009 10:49 AM 发表
请问如果BLR跌了。。。。那么我们每个月还的housing loan payment会给少一点???还是照样给一样的钱,但是从你的balance那边扣??请问如何查询呢???
我的banker跟我说,给回同样的每月供期数额,然后供房子的期限就会缩短,
也就是你每月给多的就会进多点去principal,缩短供期,本来30年,
可能15年供完。 |
|
|
|
|
|
|
| |
本周最热论坛帖子
|