Precisely. I just save that guy about ~RM800 by asking him to put 6 months with other banks.

Interest - note 5 price = rm600 (price of note 5 drop)
Savings from "certain shop" = rm100-200.

Total could be ~RM800 in savings just by choosing another bank's FD. If he want to give public bank free RM800+ be my guest.

This post has been edited by Ramjade: Oct 27 2015, 12:34 PM

yea actually i did not see the "split" brochure, kena con by the 5% and free phone,

i calculated just masuk any 4% FD in any other bank also the interest can buy for me not only note5, iphone 6s also can...plus moreover it's cash, who knows 6 mths later something else comes up at least the interest is cash i can buy anything i want....thanks sifu!! very good to have these thread around

If you know where to buy your phone, you can get rm200 off the market price. Original Samsung malaysia warranty some more.

yes bos, directd, cheapest!!

but only thing is i need wait 6% later to get the interest

Good you know about directd

This post has been edited by Ramjade: Oct 27 2015, 01:27 PM

maybank promo fd for 3 months is 3.93%. min. 25k.
fyi

but im not using fresh fund...debit from my saving account

Then cimb better lor

4% for 3 mth min 10k

Hong Leong Bank at Aman Suria is giving away 6.88% FD 3months.. Too good to be true.. so I enquired, apparently need to deposit into savings account RM25k ontop of the FD account..

Not sure how that works, but still, quite a good deal provided you have RM25k spare to add into their normal savings account. Is this how it works? anyone free to go scout at Aman Suria HL Bank...

due to laziness and able to debit from saving account...so maybank lor...

Nope no good. Cause by putting in normal savings account, one is not getting the real effective rates. Your effective rates is drastically reduced. That's why we don't talk about this kind of CASA - FD here.

but to those who have Junior account (2.95%pa) with HLB, can consider because 6.88% is really a lot. But sadly Aman Suria is too far for me

This post has been edited by michaelho: Oct 27 2015, 03:34 PM

actually HLB MACH had a saving jar which u can get 3% PA on saving... not bad feature also

dream jar 2% only lar, where got 3

who says we don't talk about casa-fd here?

Oo really? So sikit only meh?

Hmm...
U not yet count the bonus leh.. count the bonus got 3%

Where got bonus? If got bonus, I want to dump ambank Truesavers. Bonus guaranteed?

This post has been edited by Ramjade: Oct 27 2015, 04:47 PM

Sorry wrong post..

This post has been edited by Bonescythe: Oct 27 2015, 04:51 PM

You count the effective rates. It will be less than what their competitor give.