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 Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3

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TSOM
post Jun 21 2015, 08:53 AM

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QUOTE(wil-i-am @ Jun 20 2015, 09:43 PM)
OCBC offer 3 mths FD @ 4.8% plus free Sony Powerbank
The above offer is valid if apply via RinggitPlus
Did anyone apply b4?
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really? what are the T&Cs?

got minimum amount of deposits, CASA or unit trust requirements?
bbgoat
post Jun 21 2015, 08:59 AM

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QUOTE(TSOM @ Jun 21 2015, 08:53 AM)
really? what are the T&Cs?

got minimum amount of deposits, CASA or unit trust requirements?
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Read the T & C:

https://ringgitplus.com/en/fixed-deposit/OC...aving-Deal.html
TSOM
post Jun 21 2015, 09:17 AM

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QUOTE(bbgoat @ Jun 21 2015, 08:59 AM)
but it says exclusive gift from RinggitPlus, does it mean we need to apply via this website to get that free powerbank?
bbgoat
post Jun 21 2015, 09:59 AM

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QUOTE(TSOM @ Jun 21 2015, 09:17 AM)
but it says exclusive gift from RinggitPlus, does it mean we need to apply via this website to get that free powerbank?
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Yes, per the T & C. biggrin.gif
wil-i-am
post Jun 21 2015, 11:33 AM

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QUOTE(bbgoat @ Jun 21 2015, 09:59 AM)
Yes, per the T & C.  biggrin.gif
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Wat is the FD effective int rate since 50% of RM40k goes to CASA @ 3.05% pa?
cybpsych
post Jun 21 2015, 11:44 AM

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QUOTE(gsc @ Jun 5 2015, 12:58 AM)
RM 20k in FD at 4.8% and RM 20 k in smart saver at 3.05%(provided deposit RM1000 every month), equivalent interest is about 3.9-3.92%.
Alternatively, deposit RM300k will get a 20000 mAH for free.

https://ringgitplus.com/en/fixed-deposit/OC...OCBC007_soloedm
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QUOTE(wil-i-am @ Jun 21 2015, 11:33 AM)
Wat is the FD effective int rate since 50% of RM40k goes to CASA @ 3.05% pa?
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Kaka23
post Jun 21 2015, 12:50 PM

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QUOTE(bbgoat @ Jun 21 2015, 09:35 AM)
I have taken up the offer as I was topping up on my holdings of the ASNB UT.  biggrin.gif

Have mentioned before on this bundle:  Don't take it up just because of the high FD rate as you could lose on the UT side (5% service charge & UT potential loss).  smile.gif
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icon_rolleyes.gif

ASNB UT historically giving how much back? Is it open to everyone?
nexona88
post Jun 21 2015, 12:59 PM

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QUOTE(Kaka23 @ Jun 21 2015, 12:50 PM)
icon_rolleyes.gif

ASNB UT historically giving how much back? Is it open to everyone?
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https://forum.lowyat.net/topic/3486015

icon_rolleyes.gif
Nom-el
post Jun 21 2015, 03:26 PM

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QUOTE(Gen-X @ Jun 21 2015, 02:05 AM)
Thank you for the above details notworthy.gif  notworthy.gif  notworthy.gif 

And since you do seem like you are well verse in Islamic Banking FD - one question, in the even I place an Islamic Banking TD/FD and I die before it mature, would the money in the Islamic Banking TD/FD be subjected to Syariah Law in terms of how it will be distributed?
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Based on my own understanding, unless a person is a Muslim or married to a Muslim, Syariah Law is not applicable to him/her in terms of asset distribution. So, I think it would make no difference for a non-muslim whether the deposit is islamic or conventional as far as how it would be distributed. Otherwise, a Muslim would be subject to conventional asset distribution if he puts money in conventional FD instead of Islamic 1s. I could not find any official info on that online or anywhere else that mentions the money in the Islamic Banking TD/FD is subjected to Syariah Law in terms of how it will be distributed for non-muslims. But I could be wrong as I am not an expert in Islamic Banking or Syariah law and I do not have any prior experience with it. Maybe someone with more expertise in this area can shed more light on this.
Kaka23
post Jun 21 2015, 03:46 PM

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QUOTE(nexona88 @ Jun 21 2015, 01:59 PM)
wah.. thanks!

you are like unkle looi ar.. haha
nexona88
post Jun 21 2015, 05:52 PM

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QUOTE(Kaka23 @ Jun 21 2015, 03:46 PM)
wah.. thanks!

you are like unkle looi ar.. haha
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laugh.gif no la blush.gif
sandkoh
post Jun 21 2015, 06:20 PM

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QUOTE(Kaka23 @ Jun 21 2015, 03:46 PM)
wah.. thanks!

you are like unkle looi ar.. haha
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he more like davinz18 whistling.gif rclxm9.gif
Kaka23
post Jun 21 2015, 06:21 PM

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QUOTE(nexona88 @ Jun 21 2015, 06:52 PM)
laugh.gif no la  blush.gif
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haha... I see you everywhere!
sandkoh
post Jun 21 2015, 06:21 PM

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QUOTE(Nom-el @ Jun 21 2015, 03:26 PM)
Based on my own understanding, unless a person is a Muslim or married to a Muslim, Syariah Law is not applicable to him/her in terms of asset distribution. So, I think it would make no difference for a non-muslim whether the deposit is islamic or conventional as far as how it would be distributed. Otherwise, a Muslim would be subject to conventional asset distribution if he puts money in conventional FD instead of Islamic 1s. I could not find any official info on that online or anywhere else that mentions the money in the Islamic Banking TD/FD is subjected to Syariah Law in terms of how it will be distributed for non-muslims. But I could be wrong as I am not an expert in Islamic Banking or Syariah law and I do not have any prior experience with it. Maybe someone with more expertise in this area can shed more light on this.
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you expert lo notworthy.gif more postss please thumbup.gif
wil-i-am
post Jun 21 2015, 07:56 PM

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QUOTE(sandkoh @ Jun 21 2015, 06:20 PM)
he more like davinz18 whistling.gif  rclxm9.gif
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Yo stmt reminds me
If I can recall, davinz18 is in fact nexona88
sandkoh
post Jun 21 2015, 08:02 PM

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QUOTE(wil-i-am @ Jun 21 2015, 07:56 PM)
Yo stmt reminds me
If I can recall, davinz18 is in fact nexona88
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doh.gif he no admit laugh.gif
sandkoh
post Jun 22 2015, 11:13 AM

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QUOTE(wil-i-am @ Jun 21 2015, 07:56 PM)
Yo stmt reminds me
If I can recall, davinz18 is in fact nexona88
*
QUOTE(sandkoh @ Jun 21 2015, 08:02 PM)
doh.gif he no admit  laugh.gif
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silence is golden. tongue.gif
will see no post from him for dayss? laugh.gif
wil-i-am
post Jun 22 2015, 11:19 AM

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QUOTE(sandkoh @ Jun 22 2015, 11:13 AM)
silence is golden. tongue.gif
will see no post from him for dayss? laugh.gif
*
Maybe weeks or months icon_idea.gif
bbgoat
post Jun 22 2015, 11:22 AM

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QUOTE(sandkoh @ Jun 22 2015, 11:13 AM)
silence is golden. tongue.gif
will see no post from him for dayss? laugh.gif
*
QUOTE(wil-i-am @ Jun 22 2015, 11:19 AM)
Maybe weeks or months  icon_idea.gif
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Hey guys, we will miss the one liner and interesting takes from him ! cry.gif
Castor Troy
post Jun 22 2015, 03:01 PM

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Today went to HSBC to open Advanced account for the 5%p.a. 3 months offer. Took me like 3hrs to complete the whole task (more of HSBC took 3hrs to service me)... rclxub.gif pengsan

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