RHB

Rates

Effective Date Rates (p.a.)
02 February 2018 3.90%
Standard Housing Loan*
Indicative Effective Lending Rate
4.90% p.a.
*A standard housing loan/home financing refers to a housing loan/home financing with financing amount of RM350,000 for 30 years and has no lock-in period.
Effective Date Rates (p.a.)
02 February 2018 6.85%
  1. Apakah Kadar Asas (KA)?
    KA yang kami tawarkan untuk produk ini terdiri daripada dua bahagian, penanda aras kos dana (COF) dan kos Keperluan Rizab Berkanun (SRR) yang ditetapkan oleh Bank Negara Malaysia. Penanda aras kos dana kami mencerminkan kos pendanaan dalaman yang terdiri daripada kos penjanaan dana baru pada kadar pasaran serta kadar promosi dan adalah berdasarkan komposisi purata 12 bulan akaun semasa dan simpanan, deposit tetap dan pasaran wang dengan tempoh sehingga 12 bulan.

    What is Base Rate (BR)?
    The BR we offer on this product is made up of two parts, our benchmark cost of funds (COF) and the Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia. Our benchmark COF reflects the internal funding cost comprising the cost of raising new funds at market rates as well as the promotional rates and is based on the rolling 12 months average composite of customers' currents and savings account deposits, fixed and money market term deposits with tenure up to 12 months.


  2. Apakah senario-senario yang mungkin mencetuskan perubahan pada KA?
    KA boleh naik atau turun disebabkan oleh perubahan dalam penanda aras kos dana dan perubahan dalam Keperluan Rizab Berkanun. Perubahan dalam penanda aras kos dana boleh berlaku disebabkan oleh perubahan dalam Kadar Dasar Semalaman (OPR) seperti yang diputuskan oleh Jawatankuasa Dasar Kewangan Bank Negara Malaysia, dan juga faktor-faktor lain seperti kadar promosi deposit RHB dan strategi pendanaan.

    What are possible scenarios to trigger a change in the BR?
    Our BR can rise or fall due to changes in the benchmark COF and changes in the SRR. Changes in the benchmark COF could occur due to changes in the Overnight Policy Rate (OPR) as decided by the Monetary Policy Committee of Bank Negara Malaysia, as well as other factors such as RHB deposits' promotional rates and funding strategies.


  3. Penanda aras kos dana untuk tempoh 3 tahun yang lepas:

    Historical benchmark COF in the last 3 years: