- What is the Standardised Base Rate (SBR)?
- The SBR is the reference rate that all banks will use starting from 1 August 2022 in the pricing of new retail floating-rate financing, refinancing of existing retail financing, and the renewal of revolving retail financing from 1 August 2022. Retail financing refer to financing to individuals (not SMEs or businesses), while ‘floating-rate financing’ refer to financing where the profit rate can change during the lifetime of the financing. The SBR is linked solely to the Overnight Policy Rate (OPR), as determined by the Monetary Policy Committee (MPC) of Bank Negara Malaysia.
- Apakah Kadar Asas Standard (SBR)?
- SBR ialah kadar rujukan yang akan digunakan oleh semua bank mulai 1 Ogos 2022 untuk menentukan kadar keuntungan untuk pembiayaan runcit baharu, pembiayaan semula pembiayaan runcit sedia ada, dan pembaharuan pembiayaan runcit pusingan. Pembiayaan runcit merujuk pembiayaan kepada individu (bukan Perusahaan Kecil dan Sederhana atau perniagaan), manakala ‘pembiayaan berkadar terapung’ merujuk pembiayaan yang kadar keuntungannya boleh berubah sepanjang tempoh pembiayaan tersebut. SBR dihubungkan hanya kepada Kadar Dasar Semalaman (Overnight Policy Rate, OPR) yang ditentukan oleh Jawatankuasa Dasar Monetari (Monetary Policy Commitee, MPC) Bank Negara Malaysia.
