Well, previously have given out quite a lot of info for BR so quite lazy to repeat it. When it comes to nego rates, it helps if can build good PR with the officer concerned and also good deposit history. No need to ask from the same person again, just find a different branch and insist they request for the rates you want. Give a hint that you will call their HQ direct if they do not accomodate you.

note: I am on very good terms from the security guard, counter personnel, to BR manager.


This post has been edited by magika: Feb 26 2013, 09:37 AM

First chance you get, withdraw everything from KWSP as also no PIDM protection...

Change of event, March have quite a substantial sum, but need the fund elsewhere so will maintain some at the same rate only.
I am no expert , just sharing experiences for the best return.

Its a matter of compound interest plus monthly/yearly/zero rest (total loan amount) calculation. You wont beat the system..
Thats how most people got trapped by easy loans.
FD interest calculation is slightly different than loan calculation but the variance is huge.

Ps: dont ever miss a car installment payment as there will be a huge interest penalty.


This post has been edited by magika: Feb 27 2013, 09:37 AM