Many bank or finance institute offered bank mortgage loan. A list of bank in Malaysia offered bank loans to Malaysians and permanent residents. Taking up a bank loan is the most practical way to finance certain events in our lives.

List of bank in Malaysia divide to 4 groups, there is Commercial Banks, Islamic Banks, International Islamic Bank, and Investment Banks.

Below show a list of licensed banking institutions in Malaysia;
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Investment portfolio is important sector in property investment. Over the years, real estate has proven time and again its stability, attractive returns and ability to hedge against inflation. Thus, it is not surprising that most of the rich invest substantially in property investment.

It is an expert opinion that most people’s Asset Allocation Model and Investment Portfolio should look something like this (give or take 5%): Assuming you have RM100,000 set aside for investment purposes, at least RM60,000 should be invested in properties. Less than RM30,000 go directly into the stock market and the balance (less than RM5,000) into high risks, highly leveraged, volatile investments such as Options, Futures or Foreign Exchange (Forex).

Many people make the mistake of concentrating too much of their time and money into the upper levels of the pyramid, as their investment portfolio returns are highly volatile and unpredictable.

First, it’s extremely important to build up a solid investment base using real estate before venturing into other investments to give your investment portfolio regular and predictable rental income and to enjoy capital appreciation.
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MAYBANK announced that its Base Lending Rate (BLR) will be reduced by 55 basis points from 6.5 per cent to 5.95 per cent effective February 3 2009.The revision takes into account the reduction in the floor rate of the one and 12 months fixed deposits by 50 basis points and the reduction in Overnight Policy Rate (OPR) by 75 basis points.

The Base Financing Rate (BFR) of Maybank Islamic Bhd will similarly be revised downwards from 6.5 per cent to 5.95 per cent effective 3 February 2009.

The reduction in Base Lending Late (BLR) is part of ongoing commitment towards the creation of a more supportive monetary environment. Housing loan borrowers will enjoy immediate benefits as the interest rates of all their loans pegged to the Bank’s BLR will be adjusted accordingly. Given the challenging in business environment, the lower cost of funding will be a boon to borrowers and help in sustaining positive economic growth in the country.

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Malaysia Bank mortgage loan type floating rate is direct relationship to Base Lending Rate (BLR). BLR take calculation into Overnight Policy Rate (OPR).

Base Lending Rate (BLR)
BLR is a minimum interest rate calculated by banking institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs. This is defined by central bank of the countries.

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