Consumer Banking > Deposit & Lending Interest Rate
Deposit & Lending Interest Rate
  Interest Rates Payable on Fixed / Savings / Current Accounts Deposits Prime Rate and Base Lending Rate
  Base Rate with Housing Loan Illustration
  Standard Base Rate with Housing Loan Illustration
Standardised Base Rate
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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 loans, refinancing of existing retail loans, and the renewal of revolving retail loans from 1 August 2022. Retail loans refer to loans to individuals (not SMEs or businesses), while ‘floating-rate loans’ refer to loans where the interest rate can change during the lifetime of the loan.

The SBR is linked solely to the Overnight Policy Rate (OPR), as determined by the Monetary Policy Committee (MPC) of Bank Negara Malaysia.


How does an OPR change affect the SBR?

When the OPR is revised, banks will adjust the SBR by the same amount as the change in the OPR. This applies to both upward and downward adjustments in the OPR.


For more information, you may refer to the below links:



The SBR was introduced on 1 August 2022.
Indicative effective rate refers to the indicative annual effective lending rate for a standard 30-year housing loan product with financing amount of RM350k and has no lock-in period.