Fertility treatment is expensive – a quick check shows that it can go up to five figures – but MBSB Bank has a new financing option that might help. The base rate reflects overall market conditions, while the margin is the additional amount MBSB Bank charges for offering the financing. This applies whether you’re new to MBSB Bank or already a customer. Malaysia’s total fertility rate fell to 1.6 in 2023, below the replacement level of 2.1, according to the Department of Statistics. Family planning has become a growing focus for both government and private institutions, and fertility financing fits into that shift.