Base Lending Rates

Base Lending Rate / Base Financing Rate 6.15% per annum
Base Rate / Islamic Base Rate 2.50% per annum
Standardised Base Rate 2.50% per annum

Indicative Effective Rate of a Standard RM350,000 Housing Loan/Financing for 30 years.

3.75% per annum

With effect from 12 September 2022


What is Standardised Base Rate (SBR)?

With reference to the Reference Rate Framework (RRF) Policy Document, SBR is a common base rate introduced by Bank Negara Malaysia for all banks with effect from 1st August 2022 in the pricing of new retail loans/financings pegged to base rates, refinancing of existing retail loans/financings, and the renewal of revolving retail loans/financings from 1st August 2022.

Pursuant to this revision, the SBR and the reference rate will be the same rate and will be benchmarked to the OPR, which is determined by BNM’s Monetary Policy Committee.

Please refer to the Bank Negara Malaysia (BNM) website for the latest historical data on OPR trend.


Click here for Standardised Base Rate (SBR) Frequently Asked Questions.

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