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 Fixed Deposit Rates In Malaysia V. No.8, Please Read Post#1 and #2

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elea88
post Jan 5 2015, 05:20 PM

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QUOTE(bbgoat @ Jan 5 2015, 03:09 PM)
Ah Boom Sir, I replied to gsc as he has grandson, so assuming that he is eligible for the monthly interest lah.  hmm.gif Unless he is a young grand father <50 yrs old.  tongue.gif
Really, I will be very happy.  biggrin.gif  Some gloomy news that OPR will stay flat for this year.  cry.gif

Thats why I am eyeing 3 yrs 4.5% of AmBank & 2 yrs 4.38% of Affin.  drool.gif My earlier 3 mth & 5 mth FD are maturing now so I can go for the >4% FD's !!  thumbup.gif
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I just put in ALLIANCE 4% for 1 yr.. .and interest credited monthly to savings pass book.
I hv some old FD due soon.. maybe will go for AFFIN 2 yrs.

At a blink of an eye all my HLB FD 5% from 5 yrs ago will be due early this year.. time Really flies....

any other better rates around?
elea88
post Feb 10 2015, 05:10 PM

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for information : AFFIN 4.38% 24 months FD promo.

Please note, if JOINT AC.. need to pay another RM10.00 for stamp duty.

Also need sign a stack of forms saying NON US CITIZEN.
(i hv no idea why??)

together with FD compulsory to either open :
1 PASSBOOK - RM 100 minimum
or NON PASSBOOK - RM 20.00 minimum come with online banking, FREE ATM.


elea88
post Mar 10 2015, 02:57 PM

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QUOTE(ikanbilis @ Mar 9 2015, 10:20 PM)
The value of the trolley bag should cost less than rm90. 20inch is very small trolley bag. If they give 24inch or 28inch trolley bag would be very nice...
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any idea if JOINT NAME will be entitled to the luggage bag?

elea88
post Mar 25 2015, 01:20 PM

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Stand Chart.. nobody pick up phone.
Need some clarification.

the 4.5% FD 15 month thing.. need to open SAVINGS AC or not?

i read the terms it says 10% to put in CURRENT AC?

elea88
post Apr 11 2015, 12:15 PM

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QUOTE(bbgoat @ Apr 10 2015, 04:52 PM)
A word of caution on PBB as they have the T & C saying the rate could change with OPR change.  smile.gif
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i read that too.. how it works? how often OPR change?
elea88
post May 18 2015, 06:05 PM

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QUOTE(bbgoat @ May 18 2015, 03:13 PM)
In HL this morning. They have 6 mths 4% FD, ending by May. It is Islamic FD.
Then 3mth 3.8% and 3.85% for PB customer, min 10k. By end of June.

Paid RM0.68 cent for banker's cheque (HL PB customer, normal is RM5 +).

Moved to OCBC for 1 year 4.2% ++. Reason for ++ is the first 6 mth interest will add in to the principal for next 6 mth, so overall slightly more than 4.2%.  rclxms.gif Except they are using 180 days as basis for interest calculation. One forummer has reported on this earlier.

Leng Lui RM tried to sell me UT product, disappointed her today. Maybe will do it next time. Haha. Anyway eyetertainment today, but much shorter time. Haha.  biggrin.gif  tongue.gif
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i was charged RM6.00 for bankers cheque by Hong Leong this morning.

Shifted my fd to Alliance bank. 4.2% and interested credited monthly to savings book.
To open savings book Min. hv to bank in RM250. But she said need RM30.00 mininum balance.
Took up onlinebanking too.. and the ATM CARD will cost RM8.00 per annum service charge.

No more free stuff from bank.

Oh yes.. got free stuff. FREE COFFEE.. had 2 cups as whole process took 1.5 hrs.

From 3pm to 4.30pm. In between, they will send someone to sell me the Savings plan.




elea88
post May 19 2015, 09:12 AM

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QUOTE(MilesAndMore @ May 18 2015, 11:11 PM)
You should have requested to open a Basic Savings Account. This way you do not have to pay any annual fee for the ATM card.
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i took the ATM card for the online banking.
I research further then. coz i going back end of this month to transfer another FD due with HLB to Alliance.
elea88
post May 28 2015, 10:44 AM

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QUOTE(Kelv @ May 27 2015, 02:52 PM)
UOB FD promo in RinggitPlus, anyone?
https://ringgitplus.com/en/fixed-deposit/UO...ed-Deposit.html

"RinggitPlus is running an exclusive UOB Fixed Deposit with high 5-month 3.9% p.a. interest rate and exclusive gift. To get a Dyson Air Multiplier fan, all you need to prepare is RM35,000 deposit or RM10,000 to get yourself a brand new Huawei Media Tablet."

BUT

"To enjoy this high promotional FD interest rate, 70% of your deposit will go into your new UOB eAccount and the remaining 30% will be kept in your UOB Fixed Deposit account."
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70% at eAccount got interest meh?
elea88
post May 29 2015, 09:18 AM

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QUOTE(Bonescythe @ May 28 2015, 10:24 PM)
Eying the huawei tablet...
tomorrow go and chiong ahhh....

got the sms already from ringgit plus..
weet
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What is the cost of Huawei Tablet?
elea88
post May 29 2015, 09:36 AM

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QUOTE(Kelv @ May 29 2015, 09:22 AM)
Min. 5 months or 12 months deposit? Immediately get the gift? can share more T&C?
*
put 5 months only. 70% in eaccount and 30% in FD.

below terms & conds.

https://media.ringgitplus.com/creatives/4e2...10_campaign.pdf

The Organiser will send an email confirming the address of the Eligible
Customers and deliver the Gifts to the Eligible Customers’ mailing address as
provided by the Eligible Customers within sixty (60) days upon its receipt of
UOBM’s confirmation of the Gift entitlement. The Gift cannot be sent to an
address outside of Malaysia, nor collected from any UOBM branch.


In the event that any part of the Earmarked Amount (as defined in clause 19
below) or the FD is withdrawn prior to the expiry of the Earmarked Period (as
defined in clause 19 below) or FD tenure, UOBM reserves the right to deduct
RM373.12 for the Gift from the Eligible SA of the Eligible Customers at the
time of withdrawal.

i will go for the HUAWEI tablet. 10k.. for 5 months.
elea88
post May 29 2015, 02:58 PM

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QUOTE(MoneyMaker prince @ May 29 2015, 02:28 PM)
Dear Sifu,

Recently I just found out that for Semi flexi home loan, if we deposit money into the account, it helps to reduce the interest (semi flexi calculate the interest monthly if not mistaken) and hence we can clear our debt in shorter time. Now my question,

1. Would it better to keep our money in our semi flexi account rather than FD because the return is higher than fixed deposit? Example:-

Loan = 175000k
Interest = 4.45%
Tenure = 30 years.

If we put in 10k in the account, we can save/earn the interest of RM37.1 every month.

My understanding could be wrong. Please advise.
*
yes, put in yr loan account to save some interest.. as
BORROW MONEY = Money working against U.
SAVED MONEY = Money working for you.



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