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Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3
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TSOM
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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? really? what are the T&Cs? got minimum amount of deposits, CASA or unit trust requirements?
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bbgoat
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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? Read the T & C: https://ringgitplus.com/en/fixed-deposit/OC...aving-Deal.html
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TSOM
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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?
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bbgoat
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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? Yes, per the T & C.
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wil-i-am
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Jun 21 2015, 11:33 AM
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QUOTE(bbgoat @ Jun 21 2015, 09:59 AM) Yes, per the T & C.  Wat is the FD effective int rate since 50% of RM40k goes to CASA @ 3.05% pa?
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cybpsych
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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_soloedmQUOTE(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
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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. 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).  ASNB UT historically giving how much back? Is it open to everyone?
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nexona88
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Jun 21 2015, 12:59 PM
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QUOTE(Kaka23 @ Jun 21 2015, 12:50 PM) ASNB UT historically giving how much back? Is it open to everyone? https://forum.lowyat.net/topic/3486015
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Nom-el
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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 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? 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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Kaka23
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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
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nexona88
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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  no la
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sandkoh
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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 he more like davinz18
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Kaka23
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Jun 21 2015, 06:21 PM
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QUOTE(nexona88 @ Jun 21 2015, 06:52 PM)  no la  haha... I see you everywhere!
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sandkoh
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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. you expert lo  more postss please
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wil-i-am
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Jun 21 2015, 07:56 PM
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QUOTE(sandkoh @ Jun 21 2015, 06:20 PM) he more like davinz18  Yo stmt reminds me If I can recall, davinz18 is in fact nexona88
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sandkoh
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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  he no admit
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sandkoh
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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)  he no admit  silence is golden. will see no post from him for dayss?
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wil-i-am
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Jun 22 2015, 11:19 AM
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QUOTE(sandkoh @ Jun 22 2015, 11:13 AM) silence is golden. will see no post from him for dayss?  Maybe weeks or months
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bbgoat
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Jun 22 2015, 11:22 AM
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QUOTE(sandkoh @ Jun 22 2015, 11:13 AM) silence is golden. will see no post from him for dayss?  QUOTE(wil-i-am @ Jun 22 2015, 11:19 AM) Maybe weeks or months  Hey guys, we will miss the one liner and interesting takes from him !
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Castor Troy
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Jun 22 2015, 03:01 PM
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New Member
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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)...  pengsan
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