This thread is just awesome!!! Starting off small real soon... Thanks guys!!!

n ur technique is.......?

- I buy 100gram gold jewelery cost Rm 17 120 (999 / 24k)

- I go to Bank Rakyat to do PAWN BROKING ( http://www.bankrakyat.com.my/arrahnu )

- They give me 70% of the gold value = Rm 11 984 ( so technically I only pay Rm 5 136 for the 100gram gold )

- Next month that 100gram gold jewelery new valued is for example Rm 17 500 ( looking at gold price keep on increasing )

- I go and overlap my current debt - Rm 17 500 - Rm 17 120 = Rm 380

- I'll keep doing it every month and within 2 years I will get my Rm 5 136 back and after that it's all benefit
* The higher gold price increase, the more I get 

Sounds good.
Considering and doing research about it.
Thanks for the technique

Bank Rakyat min lease period is 1/2 month. thus U need to pay 0.5 x 14% = 0.7% interest lah.

Just contact the Bank Rakyat personnel, and she said Bank Rakyat only accept a few gold manufacturers, such as  Kijang emas, Dinar Kelantan and some other brands(can`t remember). 
Since Bank Rakyat also don`t accept my Turkiyee gold, perhaps i will decrease my holdings in Turkiyee gold and go for Kijang emas or Dinar Kelantan.

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Added on May 16, 2011, 1:16 pm
Whose the man who could supply 100gram gold and accept RM5K d/payment ?
Does he supply Kijang Emas or Dinar Kelantan ?

Yesterday just bought some Bunga Raya gold bar from Poh Kong, today feel a bit regretted after seeing this thread. The price I paid was RM177 per gram which was "their market rate" yesterday but after seeing the rates from the Public Gold and some paper golds account offered by Banks are only RM140-150 per gram. Furthermore, their spread is 11% if trading solely with them... Why is their price is higher than the rest but still able to sell many of them??

Which shop can get 171.37? I mean why the rate comparing to those paper gold is significantly higher? Is it because they included the workmanship??

The more I read from you sifu, the more I'm heartache now  should just bought 1 piece... now I do not have enough cash to buy Kijang Emas anymore...

I think they do it for Reason no 5. But banks keep changing the rules.
People pawned gold and when the rates go up, they go back to the bank to overlap their loan. I heard it is only profitable in Ar Rahnu because the rate is .75% per month compared to 2% traditional pawn shop

Try taking a look at this list.
List of Malaysian Dinar

There is a list of websites for more information about the dinars.
You can ask around in the group if you are really serious buying.

How much loan do they give on a 10oz gold coin? 

How do you know its the same gold coin that you will receive back from them?

What rates do you have to pay monthly?

Does Agro accept gold coins?

Ya man.
Since Kijang Emas & Dinar Kelantan are very sought after by ordinary Malaysian, i will go for UOB.

The more the merrier