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If I am a retiree who is not interested with any property investment and have all my money in the fixed deposits in the bank, I would appreciate a high interest rate so that my returns will be as high as possible for me to beat inflation numbers. At the same time, if I am a working professional looking to buy my first property, I would appreciate the lowest possible interest rate so that my monthly repayment is as low as possible and I will not be saddled with too high financial commitment. I still need money to enjoy good food in Malaysia! So, should the rates be high or should it be low then?

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