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 Fixed Deposit Rates in Malaysia V7, Please Read Post# 1 & 2

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magika
post Dec 8 2014, 07:48 AM

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HL Bank Step Up FD 4+4 effective rate 3.98% .1st 4 months= 3.68% 2nd 4 months= 4.28%
till 31 March 2015. Min 10k

magika
post Dec 8 2014, 08:38 AM

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QUOTE(cybpsych @ Dec 8 2014, 08:31 AM)
arent both the same by you earlier?  hmm.gif
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Dont remember what I posted. Just ignore if dont like.
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magika
post Dec 8 2014, 04:09 PM

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QUOTE(okuribito @ Dec 8 2014, 01:54 PM)
another option ... hope not confuse you ... put into BR 1 year in how ever many certs possible. If you have emergency, and need to withdraw, they pay you the next best rate eg if withdraw after 9th month + x days, you get interest as if it was 9mth FD in the first place. That's what they explain to me last time. Pls call them to confirm smile.gif
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Not the way to calculate premature withdrawal, like that I will put 5 years deposit, withdraw after 12 months still no loss. drool.gif
On withdrawal after 9 months, they will refer to their own table for "pramatang" so they called it 9 months rate @ reduced rate.

Boomchacha Ah Goat always leng lui make you pusing n pening.. laugh.gif

This post has been edited by magika: Dec 8 2014, 04:12 PM
magika
post Dec 10 2014, 12:55 PM

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QUOTE(vincentwmh @ Dec 10 2014, 12:41 PM)
need to check with you guys here.

my mum and i just opened a fd acc in kuantan rhb, can i do another fd placement with the same bank in melaca rhb without my mum present?
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Can for either to sign FD, only issue is the CASA form must be presigned by both parties.

magika
post Dec 10 2014, 02:24 PM

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QUOTE(vincentwmh @ Dec 10 2014, 01:02 PM)
magika, thank for reply.

1st part - either to sign. i understand.

2nd part - CASA form, is this CASA form required of each new placement or a one-time signed form?
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Its each new placement form. Unless CASA is also joint account then no need.

magika
post Dec 10 2014, 03:36 PM

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QUOTE(BoomChaCha @ Dec 10 2014, 02:58 PM)

Ah Goat Sir & Double Magic,

You guys still want to put self-contribution money to EPF early next year..???
For me, I am quite hesitating wor.. sweat.gif
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Worried about present stock market downturn ? laugh.gif

Its already too late to move RM overseas , for me it still is on at the moment. Still beats banks rate.
If hesitant then only considered later half of the year. U no scared meh.. biggrin.gif

magika
post Dec 11 2014, 09:25 PM

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QUOTE(eleven dragon @ Dec 11 2014, 09:16 PM)
Lol...

Actually i placed before the eFD, on Public bank... They will call you once the FD slip is ready in the bank.  I was just transferring money from saving account to FD, done online. And few days later, they called for collection of slip.

I'm just wondering if those promo that need new fund, eFD still applicable?
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I dont think that qualifies as eFD though. hmm.gif Thats conventional FD placed online. Maybank used to have that, not sure now, placed online then later collect cert. Online eFD placement is online, no cert ot receipt, upliftment online to CASA.


magika
post Dec 31 2014, 04:57 PM

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HAPPY NEW YEAR 2015 may FD rates keep on rising biggrin.gif

magika
post Dec 31 2014, 05:58 PM

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QUOTE(Ancient-XinG- @ Dec 31 2014, 05:02 PM)
need confirmation. As just before this they show 4.08 ER.
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yup confirmed 4.08 6 months plus 4.28 rollover 6 months
min 10k

This post has been edited by magika: Dec 31 2014, 06:02 PM

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