{"id":124034,"date":"2026-02-09T18:06:51","date_gmt":"2026-02-09T10:06:51","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=124034"},"modified":"2026-02-10T14:28:02","modified_gmt":"2026-02-10T06:28:02","slug":"opr-kekal-275-maksudnya","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/","title":{"rendered":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>TL;DR:<\/strong> OPR kekal pada 2.75 peratus memberi kestabilan kepada pembeli rumah dan pelabur pada 2026. Dengan ansuran yang lebih mudah diramal dan pasaran yang lebih terkawal, keputusan hartanah wajar dibuat berdasarkan kemampuan dan perancangan jangka panjang, bukan semata-mata menunggu perubahan kadar faedah.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.bnm.gov.my\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bank Negara Malaysia<\/a> mengekalkan Kadar Dasar Semalaman (OPR) pada paras <strong>2.75 peratus<\/strong> bagi Januari 2026.<\/p>\n\n\n\n<p>Keputusan ini bukan sekadar berita kewangan, ia adalah satu isyarat penting tentang <strong>kestabilan ekonomi<\/strong> dan <strong>keyakinan dasar monetari Malaysia<\/strong> bagi tahun 2026!<\/p>\n\n\n\n<p>Namun, persoalan utamanya ialah sama ada OPR yang kekal ini boleh dianggap sebagai &ldquo;lampu hijau&rdquo; untuk mula membeli, atau petanda kita perlu lebih berhati-hati?<\/p>\n\n\n\n<p>Artikel ini mengupas maksud sebenar keputusan Bank Negara Malaysia ini dan <strong>implikasinya terhadap perancangan hartanah<\/strong> anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong>Intipati Utama:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OPR yang kekal <strong>menandakan kestabilan, bukan tekanan <\/strong>untuk tergesa-gesa. Pembeli dan pelabur boleh membuat keputusan dengan lebih tenang.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ansuran pinjaman<\/strong> menjadi lebih mudah diramal <strong>apabila OPR stabil.<\/strong> Ini memudahkan perancangan kewangan dan pengurusan komitmen.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Menunggu perubahan OPR semata-mata bukan strategi pelaburan. Keputusan lebih wajar dibuat berdasarkan <strong>kemampuan dan matlamat sebenar<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Perancangan yang jelas lebih penting daripada meneka pasaran. OPR yang kekal memberi ruang untuk <strong>keputusan hartanah yang lebih tersusun<\/strong> dan yakin.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Bagaimana Keputusan OPR Ini Perlu Difahami:<\/h2><ul><li><a href=\"#h-1-apa-sebenarnya-maksud-keputusan-opr-kekal-ini\" data-level=\"2\">1. Apa Sebenarnya Maksud Keputusan OPR Kekal Ini?<\/a><\/li><li><a href=\"#h-2-apa-maksud-opr-kekal-ini-kepada-pembeli-rumah-amp-pelabur\" data-level=\"2\">2. Apa Maksud OPR Kekal Ini Kepada Pembeli Rumah &amp; Pelabur?<\/a><ul><li><a href=\"#h-i-kesan-utama-opr-kekal-kepada-pembeli-dan-pelabur\" data-level=\"3\">i. Kesan utama OPR kekal kepada pembeli dan pelabur<\/a><\/li><\/ul><\/li><li><a href=\"#h-3-salah-faham-biasa-tentang-opr-amp-pasaran-hartanah\" data-level=\"2\">3. Salah Faham Biasa Tentang OPR &amp; Pasaran Hartanah<\/a><\/li><li><a href=\"#h-4-jadi-patut-tunggu-atau-beli-sekarang\" data-level=\"2\">4. Jadi, Patut Tunggu atau Beli Sekarang?<\/a><\/li><li><a href=\"#h-kesimpulan\" data-level=\"2\">Kesimpulan<\/a><\/li><li><a href=\"#h-soalan-lazim-faq\" data-level=\"2\">Soalan Lazim (FAQ)<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-apa-sebenarnya-maksud-keputusan-opr-kekal-ini\">1. Apa Sebenarnya Maksud Keputusan OPR Kekal Ini?<\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-4 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"819\" height=\"1024\" data-id=\"124075\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-819x1024.webp\" alt=\"\" class=\"wp-image-124075\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-819x1024.webp 819w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-240x300.webp 240w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-768x960.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-1229x1536.webp 1229w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-1638x2048.webp 1638w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-370x463.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-1290x1613.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-1080x1350.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-865x1081.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001-642x803.webp 642w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154112\/January-2026-OPR-Decision_page-0001.webp 1688w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"819\" height=\"1024\" data-id=\"124076\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-819x1024.webp\" alt=\"\" class=\"wp-image-124076\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-819x1024.webp 819w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-240x300.webp 240w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-768x960.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-1229x1536.webp 1229w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-1638x2048.webp 1638w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-370x463.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-1290x1613.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-1080x1350.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-865x1081.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002-642x803.webp 642w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154124\/January-2026-OPR-Decision_page-0002.webp 1688w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"819\" height=\"1024\" data-id=\"124077\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-819x1024.webp\" alt=\"\" class=\"wp-image-124077\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-819x1024.webp 819w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-240x300.webp 240w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-768x960.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-1229x1536.webp 1229w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-1638x2048.webp 1638w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-370x463.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-1290x1613.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-1080x1350.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-865x1081.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003-642x803.webp 642w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154228\/January-2026-OPR-Decision_page-0003.webp 1688w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" data-id=\"124078\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-819x1024.webp\" alt=\"\" class=\"wp-image-124078\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-819x1024.webp 819w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-240x300.webp 240w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-768x960.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-1229x1536.webp 1229w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-1638x2048.webp 1638w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-370x463.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-1290x1613.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-1080x1350.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-865x1081.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004-642x803.webp 642w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154239\/January-2026-OPR-Decision_page-0004.webp 1688w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Apabila <a href=\"https:\/\/www.linkedin.com\/posts\/bank-negara-malaysia_january-2026-opr-decision-activity-7420000602690252801-BDft?utm_source=share&amp;utm_medium=member_ios&amp;rcm=ACoAAEU2t5UBdFdEoGhhlAuuLwwovvV1sLPpF0w\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bank Negara Malaysia<\/a> mengekalkan OPR pada paras 2.75 peratus, mesej ringkasnya ialah <strong>keadaan ekonomi masih stabil<\/strong> dan <strong>kos pinjaman dijangka kekal<\/strong> dalam tempoh terdekat.&nbsp;<\/p>\n\n\n\n<p>Bagi pasaran hartanah, ini satu isyarat yang melegakan! Pembeli dan pelabur tidak perlu risau tentang kejutan ansuran, sekali gus memudahkan perancangan kewangan.<\/p>\n\n\n\n<p>Penting untuk difahami bahawa OPR yang kekal bukan bermaksud pasaran sedang perlahan atau bermasalah.<\/p>\n\n\n\n<p>Sebaliknya, ia menunjukkan <strong>keadaan pasaran yang lebih terkawal<\/strong>, di mana pergerakan adalah sederhana dan boleh dijangka.<\/p>\n\n\n\n<p>Ini membantu pembeli rumah merancang kewangan dengan lebih jelas, sama ada untuk <strong>membeli rumah pertama<\/strong> atau <strong>menaik taraf kediaman<\/strong>.<\/p>\n\n\n\n<p>Untuk memahami maksud OPR 2.75 peratus hari ini dengan lebih jelas, kita boleh melihat pergerakannya secara ringkas:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Pada tahun 2024, OPR berada pada paras 3.00 peratus sebelum diturunkan kepada 2.75 peratus pada Mei 2025. Sejak itu, paras ini dikekalkan sehingga awal 2026. Ini menunjukkan dasar monetari kini berada dalam fasa yang lebih stabil, bukannya sedang berubah ubah.<\/mark><\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-apa-maksud-opr-kekal-ini-kepada-pembeli-rumah-amp-pelabur\">2. Apa Maksud OPR Kekal Ini Kepada Pembeli Rumah &amp; Pelabur?<\/h2>\n\n\n\n<p>Keputusan untuk mengekalkan paras OPR ini memberi sedikit kelegaan kepada pembeli rumah dan pelabur yang selama ini risau tentang perubahan ansuran dan kos pegangan.<\/p>\n\n\n\n<p>Kadar faedah yang tidak berubah secara mendadak mewujudkan <strong>persekitaran kewangan yang lebih mudah diramal<\/strong>, sekali gus memberi ruang untuk membuat keputusan dengan lebih yakin dan terancang.<\/p>\n\n\n\n<p>Ini memberi manfaat kepada kedua dua kumpulan, walaupun keutamaan mereka sedikit berbeza.<\/p>\n\n\n\n<p><strong>a) Kenapa OPR Dikekalkan?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Petunjuk Ekonomi<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Keadaan Semasa<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Apa Maksudnya<\/strong>?<\/th><\/tr><\/thead><tbody><tr><td>Kadar inflasi (2025)<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1.4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tekanan harga masih rendah<\/td><\/tr><tr><td>Unjuran inflasi (2026)<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1.7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kos sara hidup dijangka terkawal<\/td><\/tr><tr><td>Pertumbuhan ekonomi (KDNK 2026)<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.0% &ndash; 4.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ekonomi berkembang sederhana<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Ringkasnya, inflasi yang terkawal dan pertumbuhan ekonomi yang sederhana memberi ruang kepada bank pusat untuk mengekalkan OPR tanpa perlu bertindak agresif.<\/mark><\/em><\/figcaption><\/figure>\n\n\n\n<p>Selari dengan keadaan ini, Ketua Pegawai Eksekutif Kumpulan Juwai IQI, <strong>Kashif Ansari<\/strong>, menyatakan bahawa kestabilan dasar monetari penting dalam mengekalkan keyakinan pasaran hartanah, seperti yang turut dilaporkan oleh <a href=\"https:\/\/www.utusan.com.my\/ekonomi\/2026\/01\/opr-kekal-sokong-kestabilan-hartanah\/\" target=\"_blank\" rel=\"noreferrer noopener\">Utusan Malaysia<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-i-kesan-utama-opr-kekal-kepada-pembeli-dan-pelabur\">i. Kesan utama OPR kekal kepada pembeli dan pelabur<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ansuran pinjaman lebih stabil<br><\/strong>Anggaran bayaran bulanan yang dibuat hari ini masih relevan dalam tempoh terdekat. Ini mengurangkan risiko kejutan kewangan selepas pinjaman diluluskan.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:3px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Perancangan kewangan jadi lebih jelas<br><\/strong>Sama ada untuk membeli rumah pertama atau mengurus pelaburan, kestabilan kadar faedah memudahkan perancangan jangka sederhana.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:3px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tekanan keputusan berkurang<\/strong><strong><br><\/strong>Pembeli dan pelabur tidak perlu tergesa gesa membuat keputusan hanya kerana bimbang kadar faedah akan naik secara tiba tiba.<\/li>\n<\/ul>\n\n\n\n<p id=\"h-b-bagaimana-pembeli-rumah-dan-pelabur-melihat-opr-yang-kekal\"><strong>b) Bagaimana pembeli rumah dan pelabur melihat OPR yang kekal?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Perspektif<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Apa yang jadi lebih jelas<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Pembeli rumah<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kemampuan ansuran, kelayakan pinjaman, dan masa sesuai untuk membeli<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pelabur hartanah<\/td><td class=\"has-text-align-center\" data-align=\"center\">Kos pegangan, aliran tunai, dan risiko jangka sederhana<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pembeli rumah:<\/strong> OPR yang stabil membolehkan keputusan membeli dibuat berdasarkan keperluan sebenar. Fokus boleh diberikan kepada lokasi, jenis rumah, dan kesesuaian bajet isi rumah.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pelabur:<\/strong> Kestabilan OPR membantu menilai aliran tunai dan pulangan pelaburan dengan lebih realistik apabila kos pembiayaan boleh dijangka.<\/li>\n<\/ul>\n\n\n\n<p>Ringkasnya, OPR yang kekal menyediakan asas kestabilan untuk pembeli dan pelabur membuat keputusan dengan lebih rasional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-salah-faham-biasa-tentang-opr-amp-pasaran-hartanah\">3. Salah Faham Biasa Tentang OPR &amp; Pasaran Hartanah<\/h2>\n\n\n\n<p>Walaupun OPR sering menjadi perhatian, masih banyak <strong>salah faham<\/strong> yang menyebabkan pembeli dan pelabur membuat keputusan berdasarkan anggapan, bukan realiti pasaran.&nbsp;<\/p>\n\n\n\n<p>Beberapa salah faham ini penting untuk diperbetulkan supaya keputusan hartanah dibuat dengan lebih rasional.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-opr-kekal-bermaksud-harga-rumah-akan-turun\"><strong>1. OPR kekal bermaksud harga rumah akan turun<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154030\/202.webp\" alt=\"\" class=\"wp-image-124072\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154030\/202.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154030\/202-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154030\/202-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Ini antara anggapan paling biasa. Hakikatnya, <strong>harga rumah tidak ditentukan oleh OPR<\/strong> semata mata.&nbsp;<\/p>\n\n\n\n<p>Faktor seperti lokasi, permintaan, kos pembinaan, dan bekalan projek baharu memainkan peranan yang jauh lebih besar.&nbsp;<\/p>\n\n\n\n<p>Dalam banyak keadaan, harga rumah boleh terus <strong>meningkat walaupun OPR tidak berubah<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-lebih-baik-tunggu-opr-turun-baru-beli-rumah\"><strong>2. Lebih baik tunggu OPR turun baru beli rumah<\/strong><\/h4>\n\n\n\n<p>Menunggu OPR turun sering dilihat sebagai strategi selamat, tetapi ia <strong>tidak semestinya menguntungkan<\/strong>.&nbsp;<\/p>\n\n\n\n<p>OPR mungkin kekal lebih lama daripada jangkaan, manakala harga rumah dan kos lain terus meningkat. Akhirnya, pembeli berdepan harga lebih tinggi walaupun kadar faedah masih sama.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-opr-kekal-bermaksud-pasaran-hartanah-perlahan\"><strong>3. OPR kekal bermaksud pasaran hartanah perlahan<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154037\/203.webp\" alt=\"\" class=\"wp-image-124073\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154037\/203.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154037\/203-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154037\/203-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>OPR yang kekal tidak bermaksud pasaran sedang lemah. Dalam banyak kes, ia menandakan pasaran berada dalam fasa yang lebih <strong>stabil dan terkawal<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Aktiviti pembelian masih berlaku, cuma keputusan dibuat dengan lebih berhati hati dan berasaskan keperluan sebenar.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-pelabur-tidak-terkesan-jika-opr-tidak-naik\"><strong>4. Pelabur tidak terkesan jika OPR tidak naik<\/strong><\/h4>\n\n\n\n<p>Walaupun OPR kekal membantu dari segi kestabilan kos pegangan, pelabur tetap perlu menilai faktor lain seperti kadar sewaan, permintaan penyewa, dan aliran tunai sebenar.<\/p>\n\n\n\n<p>OPR hanyalah satu daripada banyak pembolehubah dalam pelaburan hartanah.<\/p>\n\n\n\n<p>Ringkasnya, OPR yang kekal perlu dilihat sebagai <strong>latar belakang pasaran<\/strong>, bukan penentu tunggal keputusan.&nbsp;<\/p>\n\n\n\n<p>Membeli atau melabur hartanah berdasarkan satu faktor sahaja sering membawa kepada keputusan yang tidak seimbang.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-jadi-patut-tunggu-atau-beli-sekarang\">4. Jadi, Patut Tunggu atau Beli Sekarang?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154100\/204.webp\" alt=\"\" class=\"wp-image-124074\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154100\/204.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154100\/204-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154100\/204-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Apabila OPR kekal, dilema pembeli dan pelabur tidak lagi tertumpu kepada persoalan sama ada kadar faedah akan berubah, tetapi kepada <strong>kesan sebenar<\/strong> setiap keputusan <strong>terhadap komitmen kewangan<\/strong>.<\/p>\n\n\n\n<p>Dalam fasa pasaran sebegini, pertimbangan menjadi lebih praktikal. Fokus beralih kepada:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kesan sebenar terhadap ansuran<\/li>\n\n\n\n<li>aliran tunai<\/li>\n\n\n\n<li>kemampuan jangka panjang, bukannya menunggu perubahan yang belum tentu berlaku<\/li>\n<\/ul>\n\n\n\n<p>Perbezaan antara menunggu dan bertindak sering kali bukan pada masa, tetapi pada <strong>implikasi kewangan<\/strong> yang perlu ditanggung.&nbsp;<\/p>\n\n\n\n<p>Untuk melihat perbezaan ini dengan lebih jelas, perubahan kecil pada OPR boleh memberi gambaran yang lebih nyata tentang kesannya terhadap pinjaman perumahan.<\/p>\n\n\n\n<p id=\"h-c-bagaimana-perubahan-opr-memberi-kesan-terus-kepada-ansuran-pinjaman\"><strong>c) Bagaimana Perubahan OPR Memberi Kesan Terus Kepada Ansuran Pinjaman?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Senario Kadar<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Anggaran Ansuran Bulanan<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Apa Maksudnya Kepada Pembeli<\/strong><\/th><\/tr><\/thead><tbody><tr><td>OPR kekal <strong>2.75%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Kekal pada paras semasa<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ansuran lebih stabil dan mudah dirancang<\/td><\/tr><tr><td>OPR naik ke <strong>3.00%<\/strong> (+0.25%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tambahan sekitar <strong>RM70 hingga RM75 sebulan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Komitmen bulanan meningkat<\/td><\/tr><tr><td>Kesan jangka panjang<\/td><td class=\"has-text-align-center\" data-align=\"center\">&mdash;<\/td><td class=\"has-text-align-center\" data-align=\"center\">Penjimatan faedah boleh mencecah <strong>RM25,000+<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Anggaran berdasarkan pinjaman perumahan RM500,000 dengan tempoh 30 tahun<\/mark><\/em><\/figcaption><\/figure>\n\n\n\n<p>Jadual ini tidak bertujuan meramal perubahan OPR, tetapi membantu pembaca <strong>memahami implikasi kewangan<\/strong> sekiranya keputusan pembelian ditangguhkan semata mata untuk menunggu kadar faedah berubah.<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:32% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"280\" src=\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1.webp\" alt=\"\" class=\"wp-image-93536 size-full\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1.webp 280w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1-150x150.webp 150w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1-120x120.webp 120w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1-160x160.webp 160w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/10\/Kashif-280x280-1-80x80.webp 80w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Dalam fasa <strong>pasaran yang lebih stabil<\/strong>, keputusan membeli atau melabur hartanah seharusnya dibuat berdasarkan <strong>kemampuan dan perancangan jangka panjang<\/strong>, bukan semata-mata menunggu perubahan kadar faedah&hellip;<\/p>\n<cite><strong>Kashif Ansari,&nbsp;Pengasas Bersama dan Ketua Pegawai Eksekutif Kumpulan Juwai IQI<\/strong><\/cite><\/blockquote>\n<\/div><\/div>\n\n\n\n<p>Bagi pembeli dan pelabur yang sudah bersedia dari segi kewangan dan tujuan, keadaan pasaran yang lebih stabil ini sebenarnya memberi ruang untuk <strong>membuat keputusan dengan lebih yakin<\/strong> dan terancang.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kesimpulan\">Kesimpulan<\/h2>\n\n\n\n<p>Keputusan berkaitan hartanah jarang bersifat hitam putih.&nbsp;<\/p>\n\n\n\n<p>Apabila OPR kekal, keputusan hartanah yang bijak bukan soal meramal pasaran, tetapi sejauh mana ia sesuai dengan kemampuan dan perancangan jangka panjang anda.<\/p>\n\n\n\n<p>Di IQI, kami percaya setiap pembelian atau pelaburan hartanah perlu dibuat berdasarkan <strong>maklumat yang jelas,<\/strong> <strong>analisis yang realistik<\/strong>, dan perancangan yang sesuai dengan keperluan individu.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-soalan-lazim-faq\">Soalan Lazim (FAQ)<\/h2>\n\n\n\n<div class=\"wp-block-esab-accordion esab-mrqb1bot\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">1. Adakah OPR kekal bermaksud ansuran pinjaman rumah tidak akan naik?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Ya. Selagi OPR kekal, kadar faedah pinjaman perumahan secara amnya <strong>dijangka stabil<\/strong>. Ini bermakna ansuran bulanan <strong>tidak berubah secara mendadak<\/strong> dalam tempoh terdekat dan memudahkan perancangan kewangan pembeli serta pelabur.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">2. Patutkah saya menunggu OPR turun sebelum membeli rumah?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Tidak semestinya. Apabila OPR kekal, keputusan membeli rumah lebih bergantung kepada <strong>kemampuan kewangan<\/strong> dan <strong>tujuan pembelian<\/strong>, bukan menunggu perubahan kadar faedah yang belum tentu berlaku.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">3. Adakah OPR kekal memberi kesan yang sama kepada semua jenis pembeli rumah?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Tidak. Kesan OPR <strong>berbeza mengikut situasi individu<\/strong>. Pembeli rumah pertama biasanya lebih sensitif kepada komitmen bulanan, manakala pembeli naik taraf dan pelabur lebih fokus kepada aliran tunai serta perancangan jangka panjang.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">4. Apakah kesilapan paling biasa pembeli rumah buat apabila OPR kekal?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Kesilapan paling biasa ialah <strong>terlalu menunggu perubahan kadar faedah<\/strong> dan <strong>mengabaikan faktor asas<\/strong> seperti kemampuan sebenar, komitmen bulanan, dan keperluan kediaman. Dalam pasaran yang stabil, keputusan yang tertangguh tanpa sebab jelas boleh menyebabkan peluang terlepas.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">5. Bagaimana OPR yang kekal mempengaruhi keyakinan bank untuk meluluskan pinjaman perumahan?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Apabila OPR berada dalam keadaan stabil, bank lazimnya <strong>mengekalkan pendekatan pinjaman<\/strong> yang lebih konsisten. Ini membantu peminjam merancang permohonan pinjaman dengan lebih jelas, terutamanya dari segi kemampuan bayaran balik dan komitmen jangka panjang.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">6. Apakah perkara paling penting yang perlu dinilai sebelum membeli rumah dalam keadaan OPR kekal?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Fokus utama ialah <strong>kemampuan sebenar<\/strong>,<strong> tujuan pembelian<\/strong>, dan <strong>perancangan jangka panjang<\/strong>. OPR yang kekal membantu pembeli membuat keputusan berdasarkan keperluan sebenar, bukan tekanan perubahan kadar faedah.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Dalam pasaran yang semakin stabil, peluang bukan hanya untuk pembeli dan pelabur. Bina kerjaya hartanah anda bersama IQI dengan sokongan sistem dan rangkaian global.<\/mark><\/strong><\/p>\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/recruit\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/124034\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"ba6e76b3e0\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/124034\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n            <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n        <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"country\">Location:<\/label><br>\n            <select name=\"location\" class=\"full-width-input custom-lead-form-input\" required>\n                <option value=\"\">Select your location<\/option>\n\t\t\t\t\t<optgroup label=\"Malaysia\">\n\t\t\t\t\t\t<option value=\"Johor\"  data-code=\"+60\">Johor<\/option><option value=\"Kedah\"  data-code=\"+60\">Kedah<\/option><option value=\"Kuala Lumpur\"  data-code=\"+60\">Kuala Lumpur<\/option><option value=\"Melaka\"  data-code=\"+60\">Melaka<\/option><option value=\"Negeri Sembilan\"  data-code=\"+60\">Negeri Sembilan<\/option><option value=\"Pahang\"  data-code=\"+60\">Pahang<\/option><option value=\"Penang\"  data-code=\"+60\">Penang<\/option><option value=\"Perak\"  data-code=\"+60\">Perak<\/option><option value=\"Perlis\"  data-code=\"+60\">Perlis<\/option><option value=\"Sabah\"  data-code=\"+60\">Sabah<\/option><option value=\"Sarawak\"  data-code=\"+60\">Sarawak<\/option><option value=\"Selangor\"  data-code=\"+60\">Selangor<\/option><option value=\"Terengganu\"  data-code=\"+60\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n            <\/select>\n        <\/div>\n\n        <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n    \t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n    <\/style>\n    <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent;\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ Check if selected value is in malaysianStates array\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\n\t\t\t\t\/\/ It's a Malaysian state \u2014 set code\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\t\t\tconst recaptchaError = document.getElementById('recaptcha-error');\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault();\n\n\t\t\t\tupdateFinalPhoneNumber();\n\n\t\t\t\tgrecaptcha.ready(function () {\n                    grecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' }).then(function (token) {\n                        document.getElementById('g-recaptcha-response').value = token;\n                        form.submit();\n                    });\n                });\n\t\t\t});\n\t\t});\n\t<\/script>\n    \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Baca Selanjutnya:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kesan-terhadap-pinjaman-perumahan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">OPR Malaysia Turun ke 2.75% Selepas 2 Tahun &ndash; Apa Kesannya?<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/impak-sst-kepada-sektor-hartanah\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Bagaimana SST 8% Memberi Kesan Pada Kos dan Harga Rumah?<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/pengecualian-duti-setem-rumah-dilanjutkan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Pengecualian Duti Setem Rumah Hingga 2027: Panduan untuk Pembeli Rumah Pertama<\/mark><\/a><\/strong><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>TL;DR: OPR kekal pada 2.75 peratus memberi kestabilan kepada pembeli rumah dan pelabur pada 2026. Dengan ansuran yang lebih mudah diramal dan pasaran yang lebih terkawal, keputusan hartanah wajar dibuat berdasarkan kemampuan dan perancangan jangka panjang, bukan semata-mata menunggu perubahan kadar faedah. Bank Negara Malaysia mengekalkan Kadar Dasar Semalaman (OPR) pada paras 2.75 peratus bagi&hellip;<\/p>\n","protected":false},"author":42,"featured_media":124080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[255],"tags":[13405,13408,9609,13403,11933],"class_list":["post-124034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-perkembangan","tag-ansuran-pinjaman","tag-bnm-bm","tag-kadar-dasar-semalaman-bm","tag-opr-kekal","tag-pasaran-hartanah-bm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur?<\/title>\n<meta name=\"description\" content=\"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?\" \/>\n<meta property=\"og:description\" content=\"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-09T10:06:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T06:28:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09181633\/OPR-Kekal-2.75.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sofiah\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sofiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\"},\"author\":{\"name\":\"Sofiah\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc\"},\"headline\":\"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?\",\"datePublished\":\"2026-02-09T10:06:51+00:00\",\"dateModified\":\"2026-02-10T06:28:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\"},\"wordCount\":1593,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg\",\"keywords\":[\"ansuran pinjaman\",\"bnm\",\"Kadar Dasar Semalaman\",\"OPR kekal\",\"Pasaran Hartanah\"],\"articleSection\":[\"Berita &amp; Perkembangan\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\",\"name\":\"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur?\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg\",\"datePublished\":\"2026-02-09T10:06:51+00:00\",\"dateModified\":\"2026-02-10T06:28:02+00:00\",\"description\":\"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc\",\"name\":\"Sofiah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g\",\"caption\":\"Sofiah\"},\"description\":\"From writing essays in school to spinning words for the corporate world, Sofiah is on a thrilling journey in content and copywriting! With no experience but a whole lot of passion, she now crafts captivating content and SEO magic in Bahasa Melayu. Who knew that love for writing could turn into such an exciting adventure?\",\"honorificPrefix\":\"Ms\",\"gender\":\"female\",\"knowsLanguage\":[\"English\",\"Malay\",\"Indonesia\"],\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/sofiah\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur?","description":"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/","og_locale":"en_US","og_type":"article","og_title":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?","og_description":"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.","og_url":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2026-02-09T10:06:51+00:00","article_modified_time":"2026-02-10T06:28:02+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09181633\/OPR-Kekal-2.75.png","type":"image\/png"}],"author":"Sofiah","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Sofiah","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/"},"author":{"name":"Sofiah","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc"},"headline":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?","datePublished":"2026-02-09T10:06:51+00:00","dateModified":"2026-02-10T06:28:02+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/"},"wordCount":1593,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg","keywords":["ansuran pinjaman","bnm","Kadar Dasar Semalaman","OPR kekal","Pasaran Hartanah"],"articleSection":["Berita &amp; Perkembangan"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/","url":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/","name":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur?","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg","datePublished":"2026-02-09T10:06:51+00:00","dateModified":"2026-02-10T06:28:02+00:00","description":"OPR kekal pada 2.75 peratus. Apa yang pelabur patut nilai dalam pasaran hartanah? Artikel ini mengupas implikasi dan strategi yang relevan.","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/bm\/opr-kekal-275-maksudnya\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"OPR Kekal 2.75% Apa Maksudnya Untuk Pembeli dan Pelabur (2026)?"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc","name":"Sofiah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g","caption":"Sofiah"},"description":"From writing essays in school to spinning words for the corporate world, Sofiah is on a thrilling journey in content and copywriting! With no experience but a whole lot of passion, she now crafts captivating content and SEO magic in Bahasa Melayu. Who knew that love for writing could turn into such an exciting adventure?","honorificPrefix":"Ms","gender":"female","knowsLanguage":["English","Malay","Indonesia"],"url":"https:\/\/iqiglobal.com\/blog\/author\/sofiah\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/09154516\/shutterstock_2528501367-scaled.jpg","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/124034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=124034"}],"version-history":[{"count":25,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/124034\/revisions"}],"predecessor-version":[{"id":124130,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/124034\/revisions\/124130"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/124080"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=124034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=124034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=124034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}