Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
leo_kiatez
post Nov 13 2014, 09:08 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(BoomChaCha @ Nov 13 2014, 01:35 AM)
Boss, this "revised" promo is the same FD promo like you had reported on 29 October..
Last time you also mentioned: Effective rate is 4.06%. Min Rm 10k ..  smile.gif
I think this promo is standardized for all branches since it is posted on BR website.
Where did you find the promo link? I cannot find it from BR website..?
I think no need to waste time on this emas promo since the FD rates are not attractive..
*
No T&C link..But Just their advertisement on their BR main website found. Link: http://www.bankrakyat.com.my/
Should be standardized for all branches, however does it applicable to tenure 12 months and above as well? If applicable to 12 months tenure as well, the effective rate could be up to 4.27%pa (if manage to redeposit the upfront interest). tongue.gif

QUOTE(bbgoat @ Nov 13 2014, 07:09 AM)
Thanks !  thumbup.gif

Going to call them and complain the charges. Now I remember the previous one, they did charge me RM0.30 for the IBG. But yesterday RM2. All these were shown on the IBG copy that was given to me.

The pdf even showed RENTAS for individu at RM5. Yet the counter staff said not for individu.

Anyway, will pull out more from BR early next year. Only thing is their monthly interest payment which is good. The 12 mth 4.1% not that attractive after recent spate of promo from other banks.  biggrin.gif
*
You are welcome. Yeah, Rentas for individual rate stated at RM5..Haha..as we know BR staff always blur blur one, not up to date..
leo_kiatez
post Nov 13 2014, 09:47 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(bbgoat @ Nov 13 2014, 09:25 AM)
The new cert that I got from BR yesterday also the same, the maturing date added in 1 more day presumably changing to Monday instead of Sunday. Then they added 1 more day interest in the cert. Comparing with SCB, BR gain extra point in this area.  biggrin.gif
The auto renew 12 mth FD that I got new cert from them did not get the upfront interest.

A new FD sifu.  rclxms.gif Even calculate the effective rate if re-deposit the interest into another FD.  notworthy.gif
*
Haha..Don't make me shy bbgoat blush.gif ..I'm just a student here..
leo_kiatez
post Nov 19 2014, 02:57 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(Lurker @ Nov 19 2014, 02:19 PM)
Oh well. I'm at masjid jamek ocbc now. No more medklinn
*
How do you know no more medklinn?
leo_kiatez
post Nov 19 2014, 03:24 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(okuribito @ Nov 19 2014, 03:03 PM)
The medklinn supposed to be sent out by rgtplus,  not ocbc.  Let it go lah smile.gif while u r at the bank,  how about confirm with them the daily compound interest

Calling all BR kaki,  chk ur mailboxes - br going upmarket wink.gif 

Ps: ummmm snail mail boxes
*
Which T&C states that ocbc is "daily compound interest"? Can show some limelight? brows.gif
leo_kiatez
post Nov 19 2014, 05:31 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(okuribito @ Nov 19 2014, 03:59 PM)
On the run now.  See my prev post

Edit. . leo,  on ringgitplus promo regn page
*
QUOTE(Lurker @ Nov 19 2014, 05:08 PM)
user posted image

large image
*
Thanks for the info...Info posted on the ringgitplus website. However, this is not convincing enough as it's not stated B&W on the ocbc website.. smile.gif
leo_kiatez
post Nov 19 2014, 11:05 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(Mansamune @ Nov 19 2014, 10:13 PM)
https://ringgitplus.com/en/fixed-deposit/OC...uper-Deals.html

Promo sold out guys. Looks like Offer was too popular!!!

Should look out for more promos from them. It seems like they really do give you more for your money weh ^^
*
Thanks to us.. RinggitPlus-OCBC promo sold out! Hehe
leo_kiatez
post Nov 20 2014, 09:00 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
doh.gifO+Nov 20 2014, 12:35 AM-->
QUOTE(doh.gifO @ Nov 20 2014, 12:35 AM)
I asked the leng zai, he confidently said compound daily leh  hmm.gif
*
I this case, how can we calculate the effective rate of daily compounded interest? Haha.. Forgot to take note on the ocbc form sign, whether does it mentioned about compounded daily interest.. biggrin.gif
leo_kiatez
post Nov 20 2014, 10:53 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(okuribito @ Nov 20 2014, 09:44 AM)
good question brother. my guess is they won't even if ocbc tells them 200 oredi. why? RP probably gets some sort of commission per registration & probably bonus for successful sign-ups. And if u were OCBC would you tell them to say "200 reached oredi"?

whether u'll get the thing or not, heaven knows. hope u do smile.gif
*
Definitely agree with that..Win-Win-Win situation: ocbc wouldn't tell to stop even if met 200 sign-ups (~to gain more FD deposits), RP would continue to receive the registration (~due to some sort of commission or bonus with our details) and FD depositors continue to deposit (~get to try luck for the xtra free gifts); else the 12mths FD 4.1%pa still a not so bad deal though.. biggrin.gif
leo_kiatez
post Nov 20 2014, 04:55 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(gsc @ Nov 20 2014, 04:38 PM)
Do you notice the interest rate written on the FD cert is 4.10001. For rm10k, it works out Rm10 extra.
*
Noticed that too. That is RM0.001 xtra only for 10k FD, not rm10.. biggrin.gif

This post has been edited by leo_kiatez: Nov 20 2014, 04:55 PM
leo_kiatez
post Nov 20 2014, 05:14 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(okuribito @ Nov 20 2014, 04:18 PM)
@bone, i'll bet the processing officers dun get any incentive & probably cursing why so much work suddenly  biggrin.gif

@gsc, if daily compounded eff rate will be 4.185% for the 1 year matrity

@mgm, the 410 is ocbc cost of funds (cheap la). RP probly barter with medklinn hehe discounted price 389 (& they surely still make profit) & probly get comm for loans/othe bank prods pushed

@plumber & magika, my branch tell me they no need manual intervention one wor - system clever one  tongue.gif  plumber, could it be your deposit was >12 mths, maybe 24 mths, in which case the system may not have been implemented yet when you deposited? hehe if 5 bucks, i'll also sakit hati cos can have chap fan oredi

edit - @goat, ooooh that means BR system only half clever la. thx for warning  rclxms.gif
*
Thanks for the calculation..4.185% eff rate. I will just take the figure as it is coz duno how to calculate.. tongue.gif Complex maths..
leo_kiatez
post Nov 20 2014, 05:15 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(bbgoat @ Nov 20 2014, 05:06 PM)
I concur !  rclxms.gif

I used my calculator to check as one glance that it is impossible to be RM10.  tongue.gif
*
Haha, ya..I triple check my calculator for that figure.. tongue.gif

This post has been edited by leo_kiatez: Nov 20 2014, 05:15 PM
leo_kiatez
post Nov 20 2014, 11:42 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(beckham89 @ Nov 20 2014, 08:37 PM)
Hi,

What its the best rate for 10k 3 months FD ar?
I check with imoney, it stated RHB have a 3.78% rate. But how come I go to branch, they say dont have such promo one?

Imoney website is it never update?
*
You should refer to page 1 for that Ques..The info in "Fixed Deposit Rates in Malaysia V7" here is definately more up-to-date than imoney. Haha
leo_kiatez
post Nov 21 2014, 12:38 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(gsc @ Nov 20 2014, 09:21 PM)
You are correct....i straight away using the percentage and the FD amount used wasnt 10k too...
*
Nvm, it's ok... smile.gif
leo_kiatez
post Nov 25 2014, 05:50 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(Mansamune @ Nov 25 2014, 02:51 PM)
Hey guys,

Looks like the RinggitPlus OCBC FD Promo is up again. It's ending in 2 days omg. 27th November 2014. Better apply fast people!

https://ringgitplus.com/en/fixed-deposit/OC...uper-Deals.html
*
Another additional 200units of air steriliser?
leo_kiatez
post Nov 26 2014, 01:27 AM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(jason_168 @ Nov 26 2014, 01:13 AM)
Sifus,
Is it a guarantee gift I have registered and received the confirmation SMS ? Or would they later claim you are not the first 200 customer ..  icon_question.gif

Thanks.
*
Guaranteed gift BUT subject to availability..And YES, they can have the saying "you are not the first 200 customer" as it is based on first come first serve. Happy Trying Luck smile.gif
leo_kiatez
post Nov 27 2014, 04:19 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(magika @ Nov 27 2014, 04:13 PM)
Wan to make it fast, very easy loh... nod.gif

» Click to show Spoiler - click again to hide... «

*
Haha..My question is what do you shout in banking hall? tongue.gif
leo_kiatez
post Nov 27 2014, 05:09 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(magika @ Nov 27 2014, 04:24 PM)
Simple stuff.. biggrin.gif
» Click to show Spoiler - click again to hide... «

*
HAHA..This really make the joke of my day! biggrin.gif I think I should work & the bank personnel would also be super activ fast to settle your money. You have done it before? tongue.gif
leo_kiatez
post Dec 16 2014, 05:42 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(MGM @ Dec 16 2014, 05:34 PM)
Received same sms. rclxm9.gif
*
Congratz! They replied you after you send them FD details or RP directly send the sms saying eligible for the gift? smile.gif

This post has been edited by leo_kiatez: Dec 16 2014, 05:43 PM
leo_kiatez
post Dec 16 2014, 06:53 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(MGM @ Dec 16 2014, 05:46 PM)
Received this SMS & reply with Address only.
'Congrats you  won a Medklinn Asens Air Steriliser from OCBC and RinggitPlus, Please reply with your address and we will send by courier.'
*
Oic...Thanks for your info.
leo_kiatez
post Dec 17 2014, 03:43 PM

Look at all my stars!!
*******
Senior Member
2,112 posts

Joined: Jul 2013
QUOTE(cybpsych @ Dec 16 2014, 04:36 PM)
kancheong weiii ... seems there are 2 SMSes: confirmed, pending delivery address and/or unconfirmed, pending verification.

after sending them the details, RP's reply was ...
this means, the SMS was just purely a notification and asking us (those who registered in RP) to revert details for checking.
*
Anyone got the reply from RinggitPlus already regarding the entitlement of free air steriliser? smile.gif

This post has been edited by leo_kiatez: Dec 17 2014, 03:43 PM
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

3 Pages < 1 2 3 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0596sec    0.37    7 queries    GZIP Disabled
Time is now: 28th November 2025 - 06:25 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.