When face bad situation (such as MCO), BNM decrease the OPR to the lowest, but borrower that time inability or not enough money to pay monthly payment to bank especially housing loan and car loan because unemployment or fired by the company until use all the saving for daily expense due to no income. When face good situation (such as economy recover back), BNM increase OPR to the highest before covid, but borrower need to pay more monthly payment to the bank even after successful get the job and save enough money to pay monthly payment.