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 Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2

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sandkoh
post Oct 29 2015, 12:40 PM

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QUOTE(wil-i-am @ Oct 29 2015, 12:01 PM)
U prefer pure or not pure?  brows.gif
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brows.gif brows.gif

QUOTE(familyfirst @ Oct 29 2015, 12:07 PM)
I just walked into CIMB to ask abt this.  She said dont have.  12-mths is only 4.2%.  So I asked her to check again with HQ and call me if got 4.3% pure FD.  Hopefully ada.
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4.2% more likely. 4.3% is "up to", something there. laugh.gif
sandkoh
post Oct 29 2015, 04:02 PM

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QUOTE(cklimm @ Oct 29 2015, 03:59 PM)
around 27
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limpeh accounts include n/s korea, malaysia, ..............
sandkoh
post Oct 29 2015, 05:16 PM

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QUOTE(sweetie_viking @ Oct 29 2015, 05:03 PM)
rclxub.gif  shocking.gif

that's like every bank in malaysia and beyond...

is this a requirement for any bank if you want to have FD? aiyoh, like that i need to go open new accounts in many banks liao...
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that is for limpeh brows.gif
sandkoh
post Oct 29 2015, 05:20 PM

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QUOTE(familyfirst @ Oct 29 2015, 12:07 PM)
I just walked into CIMB to ask abt this.  She said dont have.  12-mths is only 4.2%.  So I asked her to check again with HQ and call me if got 4.3% pure FD.  Hopefully ada.
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asked cimb, they said 12 month 4.0%, no 4.2 or 4.3%! hmm.gif
sandkoh
post Oct 29 2015, 05:26 PM

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QUOTE(Ramjade @ Oct 29 2015, 05:21 PM)
Me I only have 3. M2u, cimb clicks and ambank truesaver
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tun joking. then your fd mana? flex.gif
sandkoh
post Oct 29 2015, 05:34 PM

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QUOTE(Ramjade @ Oct 29 2015, 05:30 PM)
Correction. Plus affin bank SA. FD mana? Inside ASX FP thumbup.gif No need to keep chasing FD promos. Earning 6.X% p.a whistling.gif apa lagi lu mau?
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lu bluff bluff brows.gif tak da fd yet study fd di sini. hmm.gif brows.gif brows.gif

murid study fd di sini rclxm9.gif

This post has been edited by sandkoh: Oct 29 2015, 05:37 PM
sandkoh
post Oct 29 2015, 06:17 PM

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QUOTE(cklimm @ Oct 29 2015, 05:53 PM)
I never thought to calculate how many CASA I have, until familyfirst asked, lets see...

Ambank: Everyday SA, TrueSavers, TrueTransact
Affin Bank: Basic Savings Account
Alliance Bank: e-account
CIMB: AirAsia Savers, Basic Savings, Kwik Account
Hong Leong: Basic Savings i, Pay N Save current acc, Mach money box, Mach Dreamjar
HSBC: Basic Savings, Advance account, Advance Easigrow
Kasikorn Bank: K-Max Debit Card Acc
Kuwait Finance House: Basic Savings Acc
Maybank: Basic Savings Acc, M2u Savers
OCBC: E-smart Savers
Public Bank: Basic Savings Acc
RHB: Statment Savings Acc
SCB: Just One SA, Just One CA, Saadiq SA, Saadiq CA
UOB: Basic Savings Acc, E-account

Correction: 28 actually, including Kasikorn Bank
So far I remembered these.
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notworthy.gif notworthy.gif are you for real? thumbup.gif
sandkoh
post Oct 29 2015, 08:09 PM

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QUOTE(gsc @ Oct 29 2015, 07:25 PM)
Just made a FD placement today at Am bank for 2 years. Interest credited into truesaver

UOB 12 months 4.2%
Ambank 2 years 4.6%.
Ocbc 13 months 4.2%.

Have placed into all these banks.
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notworthy.gif notworthy.gif the 4 banks on the same day or within days? hmm.gif
sandkoh
post Oct 29 2015, 08:10 PM

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QUOTE(gsc @ Oct 29 2015, 07:36 PM)
Today went to Citi bank withdraw my mature FD.

The counter girl asked why want to withdraw.
I said because your bank robbed my money
She said "I beg my pardon"
I said i dont want to give Citi bank free money.  whistling.gif

Milo at Giant sold at 33 and Tesco sold at 31. Giant robbed me rm2? Or I give Giant rm2?
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tun ram, he used your tagline. brows.gif brows.gif
sandkoh
post Oct 29 2015, 08:14 PM

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QUOTE(Ramjade @ Oct 29 2015, 08:12 PM)
I don't believe. I think he's joking with those words.
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the most quotable quote in this thread! brows.gif rclxms.gif tongue.gif
sandkoh
post Oct 30 2015, 10:07 AM

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QUOTE(wil-i-am @ Oct 30 2015, 09:22 AM)
Saw 1/2 page of advertisement by MBSB in The Sun today title:
Mega Splendid Deals 4.50% pa
Min RM1k for 18 mths
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unkle out of date or memory fog? brows.gif tis one has been reported few months back. discussed by several forumers alrdy

interest payment end of maturity only

This post has been edited by sandkoh: Oct 30 2015, 10:09 AM
sandkoh
post Oct 30 2015, 02:15 PM

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QUOTE(Bonescythe @ Oct 30 2015, 02:07 PM)
wow.. finally 4.5% came out faster that i expected..

18 months, means 1.5 years.. not bad..

next year will 4.5% 1 year soon
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tis one alrdy out since aug 2015!! it is gia-i same as mbb one! mbb one 1 year only laugh.gif

keep money till next year then get 4.7% tongue.gif

This post has been edited by sandkoh: Oct 30 2015, 02:16 PM
sandkoh
post Oct 30 2015, 04:32 PM

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QUOTE(familyfirst @ Oct 30 2015, 04:03 PM)
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notworthy.gif notworthy.gif
how about min amount? are you their pb member?

you also took 2 credit card with cimb today? was this offer tied with credit card meaning must sign up the credit card? hmm.gif

This post has been edited by sandkoh: Oct 30 2015, 04:37 PM
sandkoh
post Oct 30 2015, 04:33 PM

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QUOTE(okuribito @ Oct 30 2015, 03:33 PM)
Been out of touch for some time. Just went to maybank2u to check out mbb's GIA campaign. One thing I'm not sure of is the profit rate and the profit sharing ratio (PSR)

user posted image

Do we get the 4% or our share only 70% of 4% ie 2.8% only cry.gif ???

One good thing about this is that we can take out money anytime & they will pay "profit" up to the date we withdraw, no need to be mthly anniversary. Besides, they pay the "profit" to your nominated maybank account every month.

Anyone has experience with this GIA?
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forget about the ratio. just the indicated monthly profit rate. icon_rolleyes.gif
sandkoh
post Oct 30 2015, 05:15 PM

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QUOTE(thingamagic @ Oct 30 2015, 05:08 PM)
Im curious to know too if any early adopters have checked their profit by now and confirm if its really as promised  hmm.gif
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coming soon .................. tongue.gif

just started in early oct. icon_idea.gif
sandkoh
post Oct 30 2015, 08:32 PM

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QUOTE(Ah SiAnG @ Oct 30 2015, 08:21 PM)
i meant why you said "you will lose 3 days interest (sat*, sun, mon)"?

banks open on Monday right?
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QUOTE(Ramjade @ Oct 30 2015, 08:28 PM)
You won't get promo rates after your FD matured right? And is only 1 day (Monday), will they give board rates for that 1 day?
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if fd mature on saturday, bank open on monday, only lose 2 days interest wor.
sandkoh
post Oct 30 2015, 10:24 PM

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QUOTE(Ramjade @ Oct 30 2015, 08:37 PM)
But will you get promo rates for that Monday or board rates for that Monday?
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unkle don't just argue for argument sake. shakehead.gif on monday people terminate and take it out. so nothing to do with promo or board rate. if you did not withdraw, starting on saturday (mature on sat) it will start with board rate.

why want to argue. lose 2 days interest if you take out on monday.
sandkoh
post Oct 31 2015, 06:02 PM

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QUOTE(Ramjade @ Oct 31 2015, 01:16 PM)
How can you go to bank and place for promo FDs on Sunday? Banks are close unless you are located in Kelantan, Terengganu and those states. And I don't think one can get promo rates online. shocking.gif
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QUOTE(Ah SiAnG @ Oct 31 2015, 01:38 PM)
As AmBank True's "ambassador" i am surprise you didn't know that Ambank do have weekend banking on first and last Saturday/Sunday of every month in different states?  doh.gif  doh.gif  doh.gif 

Branches Locator

I have told you many times, always check before you post anything online to avoid yourself from being embarrassed shakehead.gif
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ah ram, you need to learn not to shoot first and check later. check first and shoot later. tongue.gif
sandkoh
post Oct 31 2015, 06:04 PM

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QUOTE(tonytyk @ Oct 31 2015, 03:27 PM)
Uob offer bag too?
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anyone said that?

answer is no, nada. tongue.gif
sandkoh
post Oct 31 2015, 06:09 PM

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QUOTE(Ramjade @ Oct 31 2015, 06:04 PM)
Didnt expect ambank to be so canggih. Open on certain weekends.
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learn to be more humble. there are always new things to learn. icon_idea.gif

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