Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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 Nov 5 2015, 03:03 PM
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#21
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Senior Member
1,311 posts Joined: Oct 2012 
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Has anyone done any research if the interest rates are better of at the beginning or end of the year for the past few years? Just curious.
FDs maturing Dec dunno wanna wait till Jan or just place with 4.5% in Dec. |
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Nov 6 2015, 07:54 AM
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#22
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1,311 posts Joined: Oct 2012
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QUOTE(guitaristdavid @ Nov 5 2015, 05:20 PM) Indonesian FD Rates is as high as 7%... and amount is higher can upto 9%... India and Sri Lanka can be up to 15% pa. So my expat Indian and Sri Lankan colleagues earn in SGD and place FD in their home country. Sibeh perfect combination. |
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Nov 6 2015, 09:55 AM
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#23
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1,311 posts Joined: Oct 2012
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QUOTE(Ramjade @ Nov 6 2015, 09:32 AM) Few questions 1) How do you put FD there? Take a flight there? 2) Do they accept malaysia's cheque? 3) How long do you put? If putting indon FD at 9%, I think a flight there every 2 years to renew is kind of worth it. QUOTE(mohdyusof @ Nov 6 2015, 09:36 AM) abang, dia cakap bagi orang bukan m'sia lah! Yup, this is not for us. Only for their nationality and those working there with valid work permit lo. bukan fly there, susah lah! |
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Nov 9 2015, 05:26 PM
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#24
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1,311 posts Joined: Oct 2012
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Happy Deepavali to fellow investors. Happy Holidays to everyone.
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Nov 18 2015, 08:27 AM
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#25
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1,311 posts Joined: Oct 2012
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Is it confirmed MBSB is offering 4.5% pa for 18 mths (new customer)? If so, I think its a better deal than OCBC rite? Ok to go in?
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Nov 18 2015, 08:57 AM
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#26
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1,311 posts Joined: Oct 2012
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QUOTE(Ramjade @ Nov 18 2015, 08:40 AM) If you are OK with no pidm, then it's ok. But ocbc is better. 12 months get 4.5%. Mbsb need 18 months. Isnt it 4.5% PER ANNUM? Meaning we get the same rate for a longer period? So I dont need to find a good deal after just 12 months but I can wait till after 18 mths to hunt for another good deal. Correct? |
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Nov 18 2015, 09:09 AM
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#27
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1,311 posts Joined: Oct 2012
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QUOTE(Ramjade @ Nov 18 2015, 09:04 AM) Yes. But what you said is true. But one can look at this way, after 12 months, you can go for another higher FD promo instead of waiting 6 months for then only remove your money. What happen if after the 12th month, there's a new FD at 4.6%? Then my understanding is correct. Understand your point too. Many thanks. |
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Nov 18 2015, 10:54 AM
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#28
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1,311 posts Joined: Oct 2012
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QUOTE(ikanbilis @ Nov 18 2015, 10:01 AM) If you intend to lock your funds for a longer tenure period, maybe the Ambank current promotion of 2 yrs 4.6% with PIDM is suitable for you. Thanks for the info but Ambank near me. MBSB & OCBC nearest to my office. |
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Nov 19 2015, 02:53 PM
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#29
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1,311 posts Joined: Oct 2012
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QUOTE(adele123 @ Nov 19 2015, 11:20 AM) So i went to RHB yesterday to enquire on their FD promo. the person at the branch told me that they do consider fresh fund even if transferred into the account online. So stupid limit to 2-3 days only. Min 7 days la ..... cos my past experience, limit transfer online per day only 5k. 10 days transfer also total 50k only. So they didnt allow me place 50k FD, only accept 15k. I so marah I just took out all my money and go to another bank to place FD.the person said they consider it fresh if it is within 2-3 days.  |
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Nov 19 2015, 03:00 PM
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#30
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1,311 posts Joined: Oct 2012
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QUOTE(Ramjade @ Nov 19 2015, 02:57 PM) You can set the online transfer limit yourself. If I am not mistaken, you can set the online limit up to rm30k/day. Masa tu first time. Didnt know. Now I know edi ler ... |
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Nov 23 2015, 04:54 PM
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#31
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Senior Member
1,311 posts Joined: Oct 2012
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QUOTE(cherroy @ Nov 23 2015, 04:08 PM) A question for those familiar or existing OCBC account holder, can FD being withdrawn cross branches? No you cant. But can withdraw online and transfer the fund into your current account.and if can, is there any limit? New to OCBC. Reason, attracted by the 4.5% FD.  |
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Nov 24 2015, 09:26 AM
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#32
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1,311 posts Joined: Oct 2012
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QUOTE(bbgoat @ Nov 24 2015, 09:10 AM) Young man Affin PIDM covered correct? Hmmm ... shall consider but malas drive too far. , leng lui is just tidbits/desserts. Not the main course. FD is the main course. So when OCBC offered 4.5%, I went there. Now Affin has 4.6%, I am going to Affin next Monday.  |
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Nov 26 2015, 01:22 PM
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#33
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1,311 posts Joined: Oct 2012
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QUOTE(Vincent9696 @ Nov 26 2015, 12:56 PM) Maybank december FD promotion 5.5% , not sure whether is step up or how , my regular branches branch manager still havent get flyer and official promotion brochure yet , does anyone know about this info? If its effective rate, then its the deal of the year! |
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Dec 7 2015, 11:47 AM
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#34
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Senior Member
1,311 posts Joined: Oct 2012
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Hi everyone. Just got back from vacation .. so need help with latest best deal.
Any better deals than the OCBC 4.5% for 12 mths tenure so far? |
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Dec 7 2015, 01:39 PM
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#35
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1,311 posts Joined: Oct 2012
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QUOTE(yygo @ Dec 7 2015, 11:49 AM) affin 15 month 4.6% Ok thanks. No progress or new deals then since I was away. |
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Dec 7 2015, 04:46 PM
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#36
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Senior Member
1,311 posts Joined: Oct 2012
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QUOTE(cheahcw2003 @ Dec 7 2015, 04:31 PM) not sure if anyone shared it before. They compare promo rates as well or only board rates?you can compare all the FD rates of all banks according to tenures in one website @ imoney.com.my |
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