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

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Ramjade
post Sep 30 2015, 07:31 PM

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QUOTE(wil-i-am @ Sep 30 2015, 07:22 PM)
Spot on
HNWI  notworthy.gif
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Now only you know? Uncle goat bbgoat is memang HNWI. Can play CD and send kid to US, put RM500k FD. If not HNWI, I eat my hat. tongue.gif brows.gif laugh.gif rclxms.gif

This post has been edited by Ramjade: Sep 30 2015, 07:32 PM
Ramjade
post Oct 1 2015, 02:12 AM

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QUOTE(HJebat @ Oct 1 2015, 02:07 AM)
Got it, thank you very much thumbup.gif

Would like to express my gratitude in a more explicit manner, but this is cyberworld...so hopefully a thank-you message is commensurable laugh.gif
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You are always welcome to donate RM5 to me or any amount seems fit for you (RM1 also can). tongue.gif biggrin.gif

sandkoh, yygo, wil-i-am please la. If really HNWI, I sure got RM, special rates for FD, no need to queue. No RM, no special rates, need to take no and queue up like normal. So where got HNWI? sad.gif cry.gif

This post has been edited by Ramjade: Oct 1 2015, 02:23 AM
Ramjade
post Oct 1 2015, 10:26 AM

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QUOTE(voc888 @ Oct 1 2015, 10:23 AM)
Ops ! Would OCBC use this "trick" to forfeit my eligibility as the teller has "forgotten" to request for SMS registration as proof when I did the placement yesterday ? i have called customer service but they say not to worry even SMS registration was not shown ?
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Simple, if they dont give you the gift, remove the FD. If they ask cut your principle, complain to bnm. Sure they will refund you.
Ramjade
post Oct 1 2015, 12:36 PM

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QUOTE(LNYC @ Oct 1 2015, 12:28 PM)
Hi, sifu. What is the requirement for this promo?
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Kind of not worth it. 6 months at 3.8+% then only 15 months for 4.33%.The effective rates will drop. Better go for 4.2% one year by ambank.
Ramjade
post Oct 1 2015, 12:46 PM

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QUOTE(LNYC @ Oct 1 2015, 12:42 PM)
Wah 21months for 4.3%..really not worth it.

Thank you for your reply 👍👍
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If you count the effective rates, you won't get 4.33% in 21 months. You will get lesser.
But if you put 4.2% with ambank and upon maturity, put another 4.2% FD with the interest gained, I think you will get more compare to Affin.

If affin 4.33% for 15 months, I will say go ahead. The 6 months at 3.8% not worth. To qualify for the 4.33%, one needs to put 6 months first.

This post has been edited by Ramjade: Oct 1 2015, 12:50 PM
Ramjade
post Oct 1 2015, 02:14 PM

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QUOTE(zero721 @ Oct 1 2015, 02:11 PM)
3 months FD who is the best now? The CIMB 3 months 4% I can't find it everywhere.
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CIMB only for preferred customer.
Ramjade
post Oct 1 2015, 03:24 PM

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QUOTE(familyfirst @ Oct 1 2015, 03:03 PM)
Looking for latest promos.  Is the first 2 pages updated?  Thanks.
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Nope. Read the last 10 pages. sad.gif
Ramjade
post Oct 1 2015, 03:41 PM

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QUOTE(familyfirst @ Oct 1 2015, 03:28 PM)
Ok thanks.

Any good offers from OCBC, RHB or MBB for 12 mths pls?  Appreciate your off-the-cuff memory.  Thanks.
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Ocbc 13 months 4.3%
Rhb check first page
MBB 5+5 First 5 months 4 %. If you keep for 10 months, you will get 4.17%

In my opinion, ambank's promo is the best. Better refer last 10 pages for the confirm one.
Ramjade
post Oct 1 2015, 03:49 PM

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QUOTE(Vincent9696 @ Oct 1 2015, 03:44 PM)
4.2% for ocbc right? Correct me if i made mistake.
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Isn't 13 months 4.3? Don't know wei. I never follow this thread thoroughly.
Ramjade
post Oct 1 2015, 03:55 PM

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QUOTE(dEviLs @ Oct 1 2015, 03:54 PM)
it's 4.2% for 13month. I just placed it.
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Ok. Thanks for update. Minimum how much?
Ramjade
post Oct 1 2015, 08:10 PM

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QUOTE(zero721 @ Oct 1 2015, 08:03 PM)
What it mean  by preferred customers?
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Preferred is the low rank of priority customer. You need to deposit rm50k with them. Cimb have a few ranks can't remember all but I know rm50k is for preferred customer.
Ramjade
post Oct 2 2015, 09:31 AM

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QUOTE(klein @ Oct 2 2015, 09:23 AM)
What's so good with those membership? Sorry, new
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You get better fd rates, free coffee, annoying RM who will try to sell you their stuff, able to get access to special events
Ramjade
post Oct 2 2015, 11:00 AM

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Gen-X can we have a stuff like people can edit so more than 1 people can contribute. If depend on only one, will burden the person
Ramjade
post Oct 2 2015, 07:38 PM

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QUOTE(anwa @ Oct 2 2015, 07:33 PM)
Placed some funds at UOB yesterday, 12 months 4.2%. First time uob customer, so took about 30 mins to open fd account. So many forms to fill in by the officer. Also, apparently residential address must be within 10 km of the branch otherwise can't open. Initially wanted to use my hometown address, but not allowed.

Asked for 4.25% but denied. No free gifts too. Promo rates till 31 October, 3 months 3.9%, 6 months 4.0%, 9 months 4.1% 12 months 4.2% (not 100% sure about the 3,6,9 months, just glance the pamphlet). This is not step up, choose the term.

I asked about nominating another branch to uplift. Was told no need since can withdraw any branch. Also, I asked to split fd to a few denominations but officer again say no need, can withdraw any amount anytime and they will recalculate interest on remaining sum. Certificate-less fd. I'm really noob. Only second time place fd. The other day place maybank 5+5 came with certificate, only can withdraw at placement branch.

They also sign me up Wealth Banking or something, get relationship manager and priority counter minus other benefits of premier banking.
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You can use your IC card to withdraw. No problem. smile.gif Read sifu Gen-X's blog for more info.
Ramjade
post Oct 3 2015, 02:28 PM

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QUOTE(guy3288 @ Oct 3 2015, 02:23 PM)
you got interest on time lucky you.
My first payment, needed few calls, otherwise SCB wont pay, said only pay at maturity!

i plan to call SCB monday remind them i want interest paid 6 monthly.
that MBSB 18m 4.5% pays interest only at maturity, good meh?
better go for the MBSB Excl 5  4.7%pa, 6 monthly interest.
You know of any current promo 4.5%pa paying 6 monthly?
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Can always go bank rakyat. 4.5%pa for 5 years. Interst paid monthly.
Ramjade
post Oct 3 2015, 03:48 PM

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QUOTE(guy3288 @ Oct 3 2015, 03:06 PM)
Put 1M in BR and 1M in MBSB see below:

MonthBRMBSB
1RM37500
237500
337500
437500
537500
6375023500
737500
837500
937500
1037500
1137500
12375023500

I take MBSB anytime bro......
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Try adding 1 month of efd at 3.15 to the BR monthly interest and you will find that BR + 1 month of efd at 3.15 will give you an extra of >RM800 over MBSB on the 6th month. smile.gif

Why efd at 3.15%? Cause most efd needs min rm5k. But some banks efd just need min rm1k. Of course if you can generate rm5k in interest /month, you should go for maybank Islamic efd at 3.25%

Ramjade
post Oct 4 2015, 11:42 AM

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QUOTE(bbgoat @ Oct 4 2015, 10:11 AM)
Wa, this HL Money Box account has to have activity for every 6 months.  shakehead.gif Opened that account and no activity for 6 months and become dormant. Have to re-activate it luckily can be done online.  biggrin.gif
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Unker goat, Just use Ambank Truesavers 2.8%. Way higher compare to HL Moneybox of only 1.8% (1.8% if got >10k) No need minimum. No need need to keep deposit money inside. Free IBG some more. icon_idea.gif Even unker boom also open ambank truesavers. laugh.gif
Ramjade
post Oct 4 2015, 10:59 PM

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QUOTE(kelvin_rp88 @ Oct 4 2015, 10:12 PM)
hi, cimb is offering 4% for 3 months.
is it worth?

https://www.cimbclicks.com.my/eFD.html
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Why is it not worth? Is very good rates for 3 months. No need to run to the bank some more
Ramjade
post Oct 5 2015, 08:28 AM

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QUOTE(Ancient-XinG- @ Oct 5 2015, 08:16 AM)
Is there any catch on the 4.5% mbb?
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Capital and returns not guaranteed

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