Your money questions, answered
Straight answers to the questions Malaysians actually ask about their money — should you lock in an FD, how the OPR hits your home loan, and more. Each answer is grounded in live Bank Negara and DOSM data.
Answers are given through money.com.my's AI-assisted editorial lenses (Adam Tan, Daniel Lim, Sarah Abdullah) — analytical voices, not real individuals — and reviewed for accuracy before publication. General information only, not personalised financial advice.
Should I lock in a fixed deposit now, or wait for rates to rise?
With the OPR on hold, here's how to think about timing an FD in 2026 — and why waiting for a higher rate is usually a losing bet.
Daniel Lim · SteadyDoes the OPR affect my home loan repayment in Malaysia?
Yes — if your home loan is on a floating rate. Here's exactly how a Bank Negara OPR change flows through to your monthly instalment.
Sarah Abdullah · Action