Before getting a home loan…

Check your CTOS credit report before applying for mortgage loan.

Tenure of loan. 25 years? 35 years?

The shorter your loan tenure, the lesser the total interest payment will be. However, the monthly installments will be higher.

Will my mortgage loan be affected when BNM raised OPR?

If you have your mortgage loan interest rate locked in under fixed rate, this will not affect your monthly mortgage payment. Once the lock-in period expires, you will have to pay high interest rate, as a results, higher monthly mortgage payment.