BNM cut OPR from 3.00% to 2.75% in July 2025 and held since. Lower OPR = lower mortgage rates = higher mortgage approval rates for first-time buyers. Affordable housing buyers in Lagenda's price segment (RM200k-RM350k) are MOST sensitive to financing accessibility. The cut directly improves their ability to buy. Plus targeted government subsidies and stamp duty waivers stack additional support. Best policy backdrop for affordable housing in years.