Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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 Nov 26 2015, 02:50 PM
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Senior Member
10,001 posts Joined: May 2013 
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QUOTE(areankim @ Nov 26 2015, 02:29 PM) now all on the 4.5% P/A I assume can be done via eFDProfit @ maturity. Dint see any 24k gold promo... mentioned here.  |
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Nov 26 2015, 02:53 PM
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Senior Member
10,001 posts Joined: May 2013
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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? Awaiting more details from u |
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Nov 26 2015, 02:54 PM
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Senior Member
3,705 posts Joined: Jan 2003 From: Planet Earth  
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QUOTE(wil-i-am @ Nov 26 2015, 02:53 PM) Awaiting more details from u 5.5%!, it has to be step up most likely.... |
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Nov 26 2015, 03:12 PM
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Staff
25,802 posts Joined: Jan 2003 From: Penang
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Currently max interest rate is about 4.5~4.6%, no way bank will come out promotion of big jump in rate to 5.5%.
4.7~4.8% is already super attractive enough, doesn't need to raise it until 5.5%. Likely it is a step up. You look at effective rate, not step up rate. |
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Nov 26 2015, 03:48 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld 
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QUOTE(cherroy @ Nov 26 2015, 03:12 PM) Currently max interest rate is about 4.5~4.6%, no way bank will come out promotion of big jump in rate to 5.5%. Cherroy. Dun so bearish on fd rates la... haha4.7~4.8% is already super attractive enough, doesn't need to raise it until 5.5%. Likely it is a step up. You look at effective rate, not step up rate. It will.be 5.5 then 6 soon one.. faster mive ur bullet here .. haha |
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Nov 26 2015, 04:01 PM
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Junior Member
139 posts Joined: May 2011
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QUOTE(Bonescythe @ Nov 26 2015, 03:48 PM) Cherroy. Dun so bearish on fd rates la... haha Wonder how does the bank makes money with such low OPR these daysIt will.be 5.5 then 6 soon one.. faster mive ur bullet here .. haha |
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Nov 26 2015, 04:01 PM
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Junior Member
626 posts Joined: Sep 2011
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Cash is really king now....those who hv bullets shld enjoy the show..
Banks are fighting for fresh capital, which means, it will be a good deal for savers.. The problem is when the FD rates go up too high, everyone stop spending..and all the money is locked up in the bank. With little domestic spending, economy will not be vibrant due to less consumption... This post has been edited by LDP: Nov 26 2015, 04:03 PM |
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Nov 26 2015, 04:02 PM
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Senior Member
817 posts Joined: Mar 2014
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fd 5.5% or 6% maybe but the "soon" will be years !
  lets talk about effective rate. dun shoot a figure and say find out later.  trigger happy!  |
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Nov 26 2015, 04:05 PM
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Junior Member
139 posts Joined: May 2011
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QUOTE(sandkoh @ Nov 26 2015, 04:02 PM) fd 5.5% or 6% maybe but the "soon" will be years ! I know EIR for loans can be huge. How big the the EIR difference be between Fixed deposits ? Isn't the interest for all FD calculated the same way? Please enlighten me. lets talk about effective rate. dun shoot a figure and say find out later. trigger happy! |
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Nov 26 2015, 04:14 PM
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All Stars
65,271 posts Joined: Jan 2003
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Nov 26 2015, 04:18 PM
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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Nov 26 2015, 04:25 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(Bonescythe @ Nov 26 2015, 04:18 PM) This is the one i got.. but without earmark why, you are waiting for 5% & 6%, did not put for 1 month fd or in sa?   also even 4.3% is lower than ocbc 4.5% 1year? |
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Nov 26 2015, 04:26 PM
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Senior Member
817 posts Joined: Mar 2014
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Nov 26 2015, 04:27 PM
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All Stars
65,271 posts Joined: Jan 2003
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QUOTE(sandkoh @ Nov 26 2015, 04:26 PM) tis one lose out to ocbc 4.5%. affin 15 month 4.6% is even better. no need to state the obvious. |
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Nov 26 2015, 04:32 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cybpsych @ Nov 26 2015, 04:27 PM) no need to state the obvious. why not? to let others know of the higher rate offered by other banks. |
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Nov 26 2015, 04:46 PM
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All Stars
65,271 posts Joined: Jan 2003
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QUOTE(sandkoh @ Nov 26 2015, 04:32 PM) why not? to let others know of the higher rate offered by other banks. that's the purpose of post 1 and 2. |
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Nov 26 2015, 04:48 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cybpsych @ Nov 26 2015, 04:46 PM) that's the purpose of post 1 and 2. no, we can also made comments, can't we? thats part of purpose of having a forum. for comments, for feedbacks! |
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Nov 26 2015, 05:14 PM
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Senior Member
895 posts Joined: Dec 2013
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informing pipu on fd promo is good!
 commenting on fd rates is fine. like me not aware of which one the highest.  |
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Nov 26 2015, 06:07 PM
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Junior Member
217 posts Joined: Oct 2015
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not interest this promo ocbc very limit ...
i call banker ocbc she said only.. 28th first 8 depositer rm88k 29th first 8 depositer rm88k can get gold egg .... This post has been edited by poor man: Nov 26 2015, 06:49 PM |
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Nov 26 2015, 06:18 PM
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All Stars
24,333 posts Joined: Feb 2011
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QUOTE(sandkoh @ Nov 26 2015, 04:26 PM) tis one lose out to ocbc 4.5%. affin 15 month 4.6% is even better. Chinaman bank what. Let's see how PB will react (PB is also Chinaman banK for those who don't know). PB is not so stingy compare to HL |
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