Online only offer board rate. For best rate, going to banks only can get

hsbc mai online.. got 2-3 piece, but I am old timer, i harass hsbc staff for them to give me 1 copy..

hong leong too, affin i think not..

When you are free 1 day, go and ask your banker whether placing online and walk in rate is different or not. From the way you wrote, you will only believe your banker 

For FD, only a few banks give special rate to priority customer. Banks' promotional rates mostly are the best already. Now a number of banks give 4%. Board rate only low 3%.

If you are wondering, yes I am priority customer of a few banks. For FD, no difference. For other banking service like forex rate, transaction costs etc they are good. Priority banking is more on their better personal service compare to normal Q at the counter

Go to this discussion thread. A lot of seasoned sifu share great info on FD. The latest update on the post #2. No need negotiation. No need large sum. Just walk in. Online never got such good rate
https://forum.lowyat.net/topic/3341150
p/s I never like to compare whose balls is bigger in a forum. I think it is not relevant 

I told you at any point in time, there are bad news which lead DDD to think the market is going to crash. Subprime, Euro crisis, malaysia MNC closed factories and move out of malaysia, malaysia oil price up to RM2.70 etc etc. All these happened for the past 5-6 years. But property price still high up there

If you really want to see property crash, you have to expect economic crisis like Asian Currency Crisis in 1997/98.

Even crisis happen, only bad property will drop price. Good ones will not be affected much. In 97/98, the effect on price drop is not like 50%. So, your dream house may not be within your reach.

What is SD ?

If you really have those amount in hand, you got to be realistic

1. Buy something within reach first for your wedding. You can always upgrade later. Buying house is not a 1 time affair. Pr1ma is not a bad choice
2. Work harder. Instead of spending so much time here (Read the story below)
3. Find ways to improve your income. Work part time while you are still young
4. Make something happen that is within your control. Don't expect something happen that is not within your control (like property crash)

Same advice as I always say to you - don't time the market on your first house. You are gambling you and your family's future. Buy something which is financially comfortable to you. Don't ever stretch your financial because people tend to think they can afford something they don't. That's why you still have a job because it is these people who keep your busy
Story :

God gives everyone 3 x 8 hours per day. 1st 8 hours everbody needs to sleep. 2nd 8 hours everybody needs to work. It is how a person spend on the 3rd 8 hours that determine the success and failure of a person

Don't get me wrong. I also think the price is high now 

I also "wish" price could come down.

As you said, "For some reason..", we got to be realistic. What would cause the price to come down ? I can think of 1 possible scenario - economic crisis, which will cause property crash.

Other than that ? Can you name it ?

Oh....that is long term like 5 years locked with auto call right ?

Yes. That is how a person spend their 3rd 8 hours that determines their success

Different product. Each has its supporter 

I also don't like something that put a clump on my funds for years

I think we all keep cash as emergency or while waiting for right investment

Very good point 

But for bearbear, he has to get his first house. I can sense his anger towards the high property price and his imaginative enemies - the flippers, the UUU and everyone and everything that gets in his way from his dream house.

So, we are here to help him a little. But so far, our effort is futile 

have strong news from bankers, OPR is poised to strike upwards on January by 25 points..

Malaysians are only good in heavy debt taking, very sure many flippers are from this category and contributed , transaction slow means no more credit to take on..

next year want to purchase properties are before GST FEB to before GST, maybe some discounts can be seen, or after GST by July onwards

recession is coming, yet, these ppl are still on property price up mode

facts.. delayed di what.. but good deals still buy.. friends advise, buy before GST or few months after GST , what say you?

Property is illiquid, asking price and transacted price could be a huge difference, and price takes a few years to bottom.

Construction cost I.e materials, labour, subcon profit, etc of typical condo is about rm150 PSF, impact of gst is marginal besides most of these building materials are already paying higher sales tax. If price will goes up because of gst, current asking price will already included the expected increments and up.

Typical development takes 2 to 4 years to VP, developers have already included gst in projects that VP in 2015 and later.

More likely some developers will advertise for no gst price increase after April 2015.

He need to change mindset, many ppl better than us, he is new, but good, he learn

Because he is top earner?