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

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sandkoh
post Nov 2 2015, 09:04 AM

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QUOTE(poor man @ Nov 2 2015, 07:51 AM)
affin bank Take Home a Prosperous New Year Gift Campaign 2016
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care to answer the questions posted on your cimb 4.3% fd. is it linked to credit card? several people asking.
sandkoh
post Nov 3 2015, 06:01 PM

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QUOTE(Ramjade @ Nov 3 2015, 05:39 PM)
You have more money in which product? FD or Klibor?
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datuk, kind of silly question. why you bother about this?

he is not going to share with you. brows.gif

This post has been edited by sandkoh: Nov 3 2015, 06:02 PM
sandkoh
post Nov 4 2015, 01:18 PM

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QUOTE(yygo @ Nov 4 2015, 01:14 PM)
go and read yourself old boy (with poor memory)! brows.gif

rm5 also want to terminate fd and place new one. doh.gif
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stop arguing with tun. nanti he change the topic and said this and that. his behaviour doh.gif
sandkoh
post Nov 4 2015, 05:42 PM

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QUOTE(michaelho @ Nov 4 2015, 04:41 PM)
with all the crazy rates like that, I opt for lower tenure 3 months CIMB 4.25% (subject to approval ). Still smarting over the 4.12% 36 months with Ambank I put in 2014 tongue.gif
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QUOTE(mohdyusof @ Nov 4 2015, 04:59 PM)
tq
pure fd & only pb member only?
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3 months 4.25%? that will be the best for 3 months fd.
sandkoh
post Nov 8 2015, 02:41 PM

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QUOTE(supersound @ Nov 8 2015, 02:32 PM)
When I'm doing business with banks, I always ride my old motorbike and wear old shirts with a dirty bag laugh.gif
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hmm.gif so you get good attention or service or brows.gif what am i missing here? tongue.gif
sandkoh
post Nov 10 2015, 04:59 PM

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QUOTE(Vincent9696 @ Nov 10 2015, 04:49 PM)
Did not found any info in the star , appreciate some one may attach related info .

Thanks.

So far. , im pretty confidence against maybank policy (close ended bond) , but things may change , what we can do is , lets see their interest given within this whole year tenure.
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lol sunday star money & you. 2 page some more, cannot find? hmm.gif lol laugh.gif
sandkoh
post Nov 10 2015, 05:06 PM

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QUOTE(Vincent9696 @ Nov 10 2015, 05:03 PM)
I search through the star mobile apps , didnt read the star newspaper ...hehe...
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bro, serious lah. pipu talking about the paper. lol again? brows.gif

don't be like telling us 500k pidm protection. brows.gif brows.gif
sandkoh
post Nov 15 2015, 10:13 PM

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QUOTE(MNet @ Nov 15 2015, 09:43 PM)
only risk is principle/capital not guaranteed

I thought our principle is not guaranteed if only maybank failed? No?
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not necessary. for principal, you may get back <100% even maybank has no issue. just investment lost on their part.


sandkoh
post Nov 16 2015, 08:53 AM

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QUOTE(MNet @ Nov 15 2015, 10:42 PM)
The principle is invest on what?
Where to see the performance?
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invest in their islamic bank. ha ha, not sure how to see the performance of the investment.
sandkoh
post Nov 16 2015, 08:55 AM

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QUOTE(Chili_90 @ Nov 16 2015, 01:11 AM)
Har? My principle got risk? i tot only interest not guarantee only? rclxub.gif  rclxub.gif
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thats why have to read carefully! tongue.gif

this is the "fun" part of 4.5% monthly interest from maybank! brows.gif
sandkoh
post Nov 16 2015, 10:28 AM

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QUOTE(Human Nature @ Nov 16 2015, 10:09 AM)
Was planning to uplift my FD from OCBC but luckily I double check the cert. Turns out I just placed the FD last month for 13 months tenure but I forgot to change 2015 to 2016 in my record. Almost left my office already  sweat.gif
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i encountered did not take 2 fd certs. so have to go back and take another cert back. sweat.gif cry.gif
sandkoh
post Nov 16 2015, 08:04 PM

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QUOTE(Lurker @ Nov 16 2015, 06:51 PM)
Uob 4.25% for 12 months
Min 10k fresh funds
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known since early oct.
sandkoh
post Nov 16 2015, 08:47 PM

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have heard some fren said ocbc asking them to confirm sharp car air purifier. isn't supposed to be room air purifier? anyone receive the sms? this is the fd promotion few months back.
sandkoh
post Nov 17 2015, 10:20 AM

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QUOTE(sandkoh @ Nov 16 2015, 08:47 PM)
have heard some fren said ocbc asking them to confirm sharp car air purifier. isn't supposed to be room air purifier? anyone receive the sms? this is the fd promotion few months back.
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confirmed that it is CAR air purifier. quite mis leading on ocbc's part in the advert. doh.gif
sandkoh
post Nov 17 2015, 10:58 AM

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maybe end of the 4.5% fd maturity then loan rate goes to 6%. brows.gif month to month fd?? brows.gif
sandkoh
post Nov 17 2015, 11:29 AM

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QUOTE(Bonescythe @ Nov 17 2015, 11:23 AM)
Cannot be la.. now bank taking fd with 4.2 4.3.. that is their cost.. they need operating cost.. and profit.. so justifiable to see 6% range for mortgage. Non collateral probably higher..

I am waiting for fd to be likr 1997 period.. 6-7% also.not bad la..

If 7% that means my fd will x2 in 10 years.. wow
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have to depends on when the fd goes that high up. if fd amount high, "loss" in interest while waiting for the fd rate is cry.gif
ha ha!

6% still long way to go! brows.gif
sandkoh
post Nov 17 2015, 08:30 PM

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QUOTE(MNet @ Nov 17 2015, 08:26 PM)
Then those on hosing loan will need to fork out more $$.
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some sad, some rclxm9.gif
sandkoh
post Nov 22 2015, 09:39 AM

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QUOTE(Ramjade @ Nov 22 2015, 08:40 AM)
Can always ask them and see. Tell them you want to add extra. Usually if the new amount is min >50% than original amount, most banks will see it as fresh funds.
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QUOTE(Ramjade @ Nov 22 2015, 09:24 AM)
Is only for some banks only. If I am not mistaken, Affin and HL allows that. Say you have rm30k, just top up rm15k to make it a  total of Rm45k. Just check again. Call up their customer service and enquire.
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student know about this trick!? hnws!!! notworthy.gif
sandkoh
post Nov 22 2015, 09:49 AM

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QUOTE(Vincent9696 @ Nov 22 2015, 09:42 AM)

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you selling unit trust? brows.gif

the fd rate given not attractive for <100k. tongue.gif
sandkoh
post Nov 22 2015, 11:35 AM

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QUOTE(??!! @ Nov 22 2015, 11:09 AM)
I tried this with some banks & it works. ( Be nice about it and let your charm work on the cashier smile.gif )
Withdraw your FD as 'cash'.
Then place FD as fresh funds.
If the cashier enter the fund for new FD as 'transfer from FD withdrawal', then it's not "fresh"
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nice trick! nod.gif notworthy.gif

may work especially on opp. sex! icon_rolleyes.gif

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