{"id":10777,"date":"2014-07-16T15:28:19","date_gmt":"2014-07-16T07:28:19","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=10777"},"modified":"2026-02-27T17:02:02","modified_gmt":"2026-02-27T09:02:02","slug":"the-impact-of-opr-hike-on-your-home-loan","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan","title":{"rendered":"The Impact Of OPR Hike On Your Home Loan"},"content":{"rendered":"<p><a href=\"\/articles\/wp-content\/uploads\/housing-market-rate.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-10783\" src=\"\/articles\/wp-content\/uploads\/housing-market-rate.jpg\" alt=\"housing market rate\" width=\"600\" height=\"290\" srcset=\"\/articles\/wp-content\/uploads\/housing-market-rate.jpg 600w, \/articles\/wp-content\/uploads\/housing-market-rate-300x145.jpg 300w, \/articles\/wp-content\/uploads\/housing-market-rate-103x50.jpg 103w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Though the recent overnight policy rate (OPR) hike has been lauded by analysts and foreign investors as a good move for the Malaysian economy, it has also ignited uncertainties among consumers, especially loan borrowers.<\/p>\n<p>Having to contend with the rising cost of living due to various price hikes and subsidy rationalisations, Bank Negara Malaysia (BNM) now thrust another hike in the form of interest rates to the already staggering level of household debt.<\/p>\n<p>For the uninitiated, the thought of higher monthly repayments on their already struggling mortgage may cause a panic. However, will this really create a huge impact on their wallet in reality?<\/p>\n<p>And will this lead to droves of borrowers defaulting on their loans due to the increase in repayments? iMoney digs further and reveals the potential consequences a mere 0.25% may cause to consumers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Swift-reaction-from-banks\"><\/span><b>Swift reaction from banks<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With Maybank and Public Bank leading the way, other major banks are following suit by raising their <a href=\"\/articles\/blr-base-lending-rate\/\" target=\"_blank\" rel=\"noopener\">base lending rates (BLR)<\/a> and base financing rates (BFR) from 6.6% per annum to 6.85%.<\/p>\n<p>Other than these two banks, others who have confirmed their new rates, which will be effective on July 17, 2014 are Hong Leong Bank Bhd (HLBB), CIMB Group Holdings Bhd, Alliance Financial Group Bhd and OCBC Malaysia.<\/p>\n<p>Banks that have not made any announcement yet are still considering the quantum of the deposit rates, which will impact their earnings eventually.<\/p>\n<p>In a <i>StarBiz<\/i> report, Akhsan Zaini, senior vice-president and head of distribution of Bank Simpanan Nasional said, \u201cWe are still studying the impact of the rate hike on our bank before we announce the adjustment next week, tentatively.\u201d<\/p>\n<p>He also said the bank had yet to decide on how much it would adjust for its deposit rates.<\/p>\n<p><b>What it means to monthly repayments?<\/b><\/p>\n<p>Using iMoney\u2019s latest BLR calculator below, here is how much you will need to pay for your home loan repayment with the latest base lending rate.<\/p>\n<p style=\"text-align: center;\"><a href=\"\/articles\/wp-content\/uploads\/opr2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-10778\" src=\"\/articles\/wp-content\/uploads\/opr2.png\" alt=\"opr2\" width=\"674\" height=\"401\" srcset=\"\/articles\/wp-content\/uploads\/opr2.png 749w, \/articles\/wp-content\/uploads\/opr2-300x178.png 300w, \/articles\/wp-content\/uploads\/opr2-84x50.png 84w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><\/a><\/p>\n<p>JP Morgan Research cautions banks that the combination of rate hikes and subsidy rationalisation would test the credit risk management of Malaysia\u2019s consumer-led loan growth in the past five years.<b><\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Another-brick-in-the-wall-for-speculators\"><\/span><b>Another brick in the wall for speculators<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In a <i>New Straits Times<\/i> report, OCBC Bank (Malaysia) Bhd\u2019s head of secured lending Thoo Mee Ling explained that the hike would impact existing and new home loan borrowers whose rates are tied to the BLR.<\/p>\n<p>The increments when divided into monthly repayments doesn\u2019t look too significant, most experts opine that the new OPR will affect property speculators the most.<\/p>\n<p>Unlike genuine home buyers and property investors, most speculators do not have the extra cash to weather any increment in repayments or new regulations.<\/p>\n<p>James Wong, director of VPC Realtors (KL) Sdn Bhd told <i>The Star<\/i>, \u201cIf they [property speculators] are unable to service the loan, they will be forced to sell. But it will not be as easy as before due to the real property gains tax,\u201d he said.<\/p>\n<p>They may not be able to funnel the hike down to their tenants (if they rented out their properties) as rental rates are primarily determined by demand and supply, and will not be affected by interest rates.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Will-the-property-market-cool-off-even-further\"><\/span><b>Will the property market cool off even further?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With the anticipated goods and services tax (GST), the hike in the overnight policy rate (OPR) will no doubt impact the housing affordability and sales even further.<\/p>\n<p>According to Maybank IB Research in May, it is reported that most developers are already doing GST-related re-pricing and re-costing exercises ahead of the April 2015 timeline and the anticipated higher interest rates, the housing affordability index could decline further.<\/p>\n<p>The report predicted that the OPR hike would lead to a further decline in property sales.<\/p>\n<p>Property consultants also expect fewer transactions in the next few months.<\/p>\n<p>Households and businesses may be more cautious on getting additional loans, according to Affin Investment Bank, referring to the higher inflation and expectations for BNM\u2019s hiking cycle to continue.<\/p>\n<p>Most property buyers and investors will most probably adopt a wait-and-see attitude amidst the uncertainties ahead.<\/p>\n<h3><b>Thinking of selling your property in view of the hike? Find out how <\/b><a href=\"\/articles\/lock-in-period-for-home-loan\/\" target=\"_blank\" rel=\"noopener\"><b>lock-in period<\/b><\/a><b> can affect you.\u00a0<\/b><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>The recent 0.25% hike on OPR had consumers in an uproar amidst various price hikes and subsidy rationalisation. Will this have the desired effect on the housing market in Malaysia?<\/p>\n","protected":false},"author":9,"featured_media":10783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[239,229,216,21],"tags":[219],"class_list":["post-10777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan","category-interest-rate","category-news-updates","category-properties","tag-bi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Impact Of OPR Hike On Your Home Loan | iMoney<\/title>\n<meta name=\"description\" content=\"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Impact Of OPR Hike On Your Home Loan | iMoney\" \/>\n<meta property=\"og:description\" content=\"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2014-07-16T07:28:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-27T09:02:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imoney.my\/articles\/wp-content\/uploads\/housing-market-rate.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"290\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iris Lee\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Iris Lee\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan\"},\"author\":{\"name\":\"Iris Lee\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/f86e2ec4d5692a05a39fb4cb52172a0e\"},\"headline\":\"The Impact Of OPR Hike On Your Home Loan\",\"datePublished\":\"2014-07-16T07:28:19+00:00\",\"dateModified\":\"2026-02-27T09:02:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan\"},\"wordCount\":699,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#primaryimage\"},\"thumbnailUrl\":\"\\\/articles\\\/wp-content\\\/uploads\\\/housing-market-rate.jpg\",\"keywords\":[\"BI\"],\"articleSection\":[\"Home Loan\",\"Interest Rate\",\"News Updates\",\"Properties\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan\",\"name\":\"The Impact Of OPR Hike On Your Home Loan | iMoney\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#primaryimage\"},\"thumbnailUrl\":\"\\\/articles\\\/wp-content\\\/uploads\\\/housing-market-rate.jpg\",\"datePublished\":\"2014-07-16T07:28:19+00:00\",\"dateModified\":\"2026-02-27T09:02:02+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/f86e2ec4d5692a05a39fb4cb52172a0e\"},\"description\":\"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#primaryimage\",\"url\":\"\\\/articles\\\/wp-content\\\/uploads\\\/housing-market-rate.jpg\",\"contentUrl\":\"\\\/articles\\\/wp-content\\\/uploads\\\/housing-market-rate.jpg\",\"width\":600,\"height\":290},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/the-impact-of-opr-hike-on-your-home-loan#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Properties\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/properties\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home Loan\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/properties\\\/home-loan\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Impact Of OPR Hike On Your Home Loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/f86e2ec4d5692a05a39fb4cb52172a0e\",\"name\":\"Iris Lee\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g\",\"caption\":\"Iris Lee\"},\"description\":\"As the former group editor of iMoney, Lee enjoys writing about various topics on personal finance, including property and insurance. She believes that knowledge is the key to making intelligent financial decisions. She currently oversees brand communications for iMoney Group.\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/irislee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Impact Of OPR Hike On Your Home Loan | iMoney","description":"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan","og_locale":"en_US","og_type":"article","og_title":"The Impact Of OPR Hike On Your Home Loan | iMoney","og_description":"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?","og_url":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan","og_site_name":"iMoney Malaysia","article_published_time":"2014-07-16T07:28:19+00:00","article_modified_time":"2026-02-27T09:02:02+00:00","og_image":[{"width":600,"height":290,"url":"https:\/\/www.imoney.my\/articles\/wp-content\/uploads\/housing-market-rate.jpg","type":"image\/jpeg"}],"author":"Iris Lee","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Iris Lee","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan"},"author":{"name":"Iris Lee","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/f86e2ec4d5692a05a39fb4cb52172a0e"},"headline":"The Impact Of OPR Hike On Your Home Loan","datePublished":"2014-07-16T07:28:19+00:00","dateModified":"2026-02-27T09:02:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan"},"wordCount":699,"commentCount":0,"image":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/housing-market-rate.jpg","keywords":["BI"],"articleSection":["Home Loan","Interest Rate","News Updates","Properties"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan","url":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan","name":"The Impact Of OPR Hike On Your Home Loan | iMoney","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/housing-market-rate.jpg","datePublished":"2014-07-16T07:28:19+00:00","dateModified":"2026-02-27T09:02:02+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/f86e2ec4d5692a05a39fb4cb52172a0e"},"description":"Will the recent OPR hike of 0.25% have the desired effect on the housing market in Malaysia?","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#primaryimage","url":"\/articles\/wp-content\/uploads\/housing-market-rate.jpg","contentUrl":"\/articles\/wp-content\/uploads\/housing-market-rate.jpg","width":600,"height":290},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/the-impact-of-opr-hike-on-your-home-loan#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Properties","item":"https:\/\/www.imoney.my\/articles\/category\/properties"},{"@type":"ListItem","position":3,"name":"Home Loan","item":"https:\/\/www.imoney.my\/articles\/category\/properties\/home-loan"},{"@type":"ListItem","position":4,"name":"The Impact Of OPR Hike On Your Home Loan"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/f86e2ec4d5692a05a39fb4cb52172a0e","name":"Iris Lee","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/27da68adfdc8ee82f9d095d341c5ab6e2513e4a5126b6237615868341a0884d8?s=96&d=mm&r=g","caption":"Iris Lee"},"description":"As the former group editor of iMoney, Lee enjoys writing about various topics on personal finance, including property and insurance. She believes that knowledge is the key to making intelligent financial decisions. She currently oversees brand communications for iMoney Group.","url":"https:\/\/www.imoney.my\/articles\/author\/irislee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/10777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=10777"}],"version-history":[{"count":8,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/10777\/revisions"}],"predecessor-version":[{"id":69617,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/10777\/revisions\/69617"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/10783"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=10777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=10777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=10777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}