{"id":305,"date":"2020-04-27T10:01:32","date_gmt":"2020-04-27T10:01:32","guid":{"rendered":"https:\/\/hendon.qodeinteractive.com\/?p=305"},"modified":"2025-06-18T04:29:08","modified_gmt":"2025-06-18T04:29:08","slug":"warm-interior","status":"publish","type":"post","link":"https:\/\/johorrumahjualbeli.com\/en\/warm-interior\/","title":{"rendered":"Bank Negara Malaysia (BNM) has announced the release of the Revised Reference Rate Framework, which will come into force on 1 August 2022."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"305\" class=\"elementor elementor-305\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5f952d elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"e5f952d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7b7ef1\" data-id=\"e7b7ef1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75e522e elementor-widget elementor-widget-text-editor\" data-id=\"75e522e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 08-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Bank Negara Malaysia (BNM) has announced the release of the Revised Reference Rate Framework, which will come into effect on 1 August 2022. Under this new framework, the Standard Base Rate (SBR) will be used as the reference rate for new floating retail- lending rates, replacing the existing Base Rate (BR).<br \/>First, it helps to understand how your loan interest rate works. The interest rate on your loan, also known as the effective loan rate, consists of the reference rate (the interest rate used as a benchmark) and the spread (the bank's operating costs and profit margin, as well as a premium based on how much risk the bank takes on by lending to you ).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Bank Negara Malaysia (BNM) has announced the release of the Revised Reference Rate Framework, which will come into effect on 1 August 2022. Under this new framework, the Standard Base Rate (SBR) will be used as the reference rate for new floating retail- lending rates, replacing the existing Base Rate (BR). First, it helps to understand how interest rates [\u2026]<\/p>","protected":false},"author":1,"featured_media":4252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-305","post","type-post","status-publish","format-audio","has-post-thumbnail","hentry","category-uncategorized","post_format-post-format-audio"],"_links":{"self":[{"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/posts\/305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/comments?post=305"}],"version-history":[{"count":11,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/posts\/305\/revisions"}],"predecessor-version":[{"id":4915,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/posts\/305\/revisions\/4915"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/media\/4252"}],"wp:attachment":[{"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/media?parent=305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/categories?post=305"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/johorrumahjualbeli.com\/en\/wp-json\/wp\/v2\/tags?post=305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}