The base landing rate (BLR) is going to increase 0.25% to 0.75% in this year which was announced by Bank Negara on January 2010. Do we know how much going to increase on the interest and tenure of our loan if we pay the same repayment amount? What if we can manage the repayment amount by 99% accuracy and able to reduce 50% of the interest, what will you do on the next step?