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

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cklimm
post Oct 29 2015, 07:35 PM

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QUOTE(Bonescythe @ Oct 29 2015, 06:52 PM)
Wow u also banyak hebat ooo... you can become PB of bank acc holder.. haha

I got all of the bank also except..
Ambank affin kasikorn Kuwait ocbc hsbc
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to become PB of one bank, i will have to deplete most banks, i wonder if this worth it
cklimm
post Oct 30 2015, 03:52 PM

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seems like different cimb branch has different promotion, looks like the branch managers have quite some level of autonomy.
cklimm
post Oct 31 2015, 09:40 AM

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QUOTE(cybpsych @ Oct 31 2015, 09:18 AM)
I AmBanking on Great Rates - Great rates for higher returns


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impressive, possibly the best 6 months deal in town

cklimm
post Nov 1 2015, 06:36 PM

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QUOTE(Bonescythe @ Nov 1 2015, 06:33 PM)
Tats why HLB share even market down also keep going up from 13 to 14..

While ambank go from 8 to 4.xx hahaha
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customer friendly doesn't mean shareholder friendly brows.gif
cklimm
post Nov 2 2015, 07:18 PM

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QUOTE(bbgoat @ Nov 2 2015, 06:21 PM)
Part 2: tongue.gif

CIMB RM called back and got 4.35% !!  rclxms.gif Initially I thought she is just say say only as I already passed BC to her. Anyway happy that I got the extra 0.05% as it amount to >RM100 free money from CIMB !!  brows.gif

Went to AmBank to place for the 6 mth 4.25% and 24 mth 4.6%. Was told likely to get the 20" bag for the 6 mth FD. Anyway, have to wait and see.  rclxms.gif

Also take the opportunity to open TRUE Savers & TRUE Transact acct. Yet to read the details of the benefits of these 2 accounts. Have to deposit RM50 each to open the 2 accounts. Mainly know that the interest rate is high at 2.8%. Will use it to park any temporary funds in the future. Got a debit card which I was told no annual fees yet. Will cancel it if they impose annual fees.  tongue.gif
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HNWI spotted notworthy.gif
cklimm
post Nov 3 2015, 12:24 AM

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QUOTE(??!! @ Nov 2 2015, 11:54 PM)
Agree. Some are real plain ugly too  sad.gif
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Behold: the best of HL


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cklimm
post Nov 3 2015, 09:12 AM

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QUOTE(headless_louisa @ Nov 3 2015, 01:26 AM)
apa ini? Clock ka..huge compass..cushion ke...pelampung ke...belon ke...
so fugly somore
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QUOTE(??!! @ Nov 3 2015, 01:24 AM)
OMO...is that your welcome gift for PB?  rclxub.gif
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QUOTE(Bonescythe @ Nov 3 2015, 12:49 AM)
Oh man... tat is a floater with a clock in middle ?
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Yes, it is a clock with balloon around, with "花开富贵 (flower-blossom-prosper-rity)" on the dial plate. that bank gave it to my relative years ago, and she passed it to me without 2nd thought.
cklimm
post Nov 3 2015, 02:54 PM

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Cimb made it official:

3 months-4.10% p.a.
6 months-4.20% p.a.
12 months-4.30% p.a.

Attached Image

minimum 10k
cklimm
post Nov 3 2015, 04:49 PM

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QUOTE(Vincent9696 @ Nov 3 2015, 04:44 PM)
CIMB callable klibor no more available right now...sigh
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who needs klibor when FD has 4.3%p.a already brows.gif
cklimm
post Nov 3 2015, 04:55 PM

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QUOTE(bbgoat @ Nov 3 2015, 04:51 PM)
The CIMB Klibor paid me 5.2% every 3 mths for close to 4 years.  brows.gif

Except now I hope they call it back !  biggrin.gif
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cklimm
post Nov 3 2015, 07:08 PM

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QUOTE(Vincent9696 @ Nov 3 2015, 06:17 PM)
5.2% p.a. Or per quarter?
Branch manager said 150k above can entitle 4.35% for cimb 12month fd rate... rclxms.gif
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dont forget to ask for preffered membership, there's a promo that 150k is good for pref
cklimm
post Nov 3 2015, 09:47 PM

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QUOTE(Avangelice @ Nov 3 2015, 09:38 PM)
My ocbc fix deposit is maturing on the 10th of Nov. Now hunting for good rates.
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you may refer page 01
cklimm
post Nov 4 2015, 03:42 PM

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QUOTE(aeiou228 @ Nov 4 2015, 03:33 PM)
Pbb housing loan is 4.4% whereas AmBank FD is 4.6%. Flexi loan borrower can untung 2% from FD for two years instead of covering the loan balance if no OPR hike within the same period.
I guess the competition in FD promo rates shall not stray far from the everage housing loan lending rate of 4.5%.
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only if the banks allow you to pay loan, after your 2 years FD mature.
cklimm
post Nov 5 2015, 09:04 AM

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QUOTE(poor man @ Nov 5 2015, 08:42 AM)
new bank in malaysia ?

Asian Finance Bank fd with pidm..

https://ringgitplus.com/en/fixed-deposit/As...-Deposit-i.html
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wow, i've never seen their branch

cklimm
post Nov 5 2015, 09:05 AM

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QUOTE(Ramjade @ Nov 5 2015, 08:34 AM)
I will show you some calculations and let you decide whether it is worth it or not.

Samsung malaysia official Note 5 price = RM2699
Public Bank SA interest = 0.6%
(220000 x 0.006 x 182)/366 = RM656.39 assuming you put this month
Total amount earned = RM2699 + RM656.39 = RM3355.39

If you put at ambank 6 months 4.25%
(220000 x 0.0425 x 182)/366 = RM4649.45
Directd price = RM2499 (Samsung malaysia warranty)
Savings = RM4649.45 - RM2499 = RM2150.45

So if you put ambank 6 months at 4.25% and you buy a note 5 after 6 months with the interest, you still have leftover of RM2150.45 instead of only RM656.39 if you put at public bank savings account.

What if I don't like ambank? I would like to go for other banks 6 months promo. Be my guest. Just use my calculations and substitute 0.0425 with whatever interest that bank is giving you. And check out for yourself if is still worth it putting at pbb sa. Keep in mind that after 6 months, the Note 5 price will drop further. biggrin.gif
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cklimm
post Nov 5 2015, 09:31 AM

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QUOTE(poor man @ Nov 5 2015, 08:30 AM)
Bank Rakyat Term Deposit Account-i

more than RM20000 12 months - 4.3% p.a.
https://ringgitplus.com/en/fixed-deposit/Ba...-Deposit-Accoun

anyone can comfire this fd ?
i ask banker is no this fd ?
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it is Islamic Term-deposit, religiously, it is not FD as they are sharing profit, not giving riba (evil interest)
cklimm
post Nov 6 2015, 04:14 PM

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QUOTE(sweetie_viking @ Nov 6 2015, 04:07 PM)
hmmm.... anyone got this? just made an online FD placement in UOB. what is this? unsure.gif
[attachmentid=5247061]
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it is a gift from Uob for placing their efd, let us know when you received it
cklimm
post Nov 6 2015, 07:59 PM

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QUOTE(Ah SiAnG @ Nov 6 2015, 07:56 PM)
OCBC FD Promotion

they mentioned OCBC Online Fixed Deposit Exclusive?  hmm.gif

can place online?  drool.gif
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i tried it, its more like making appointment online.
Someone will call you upon filling the forms
cklimm
post Nov 6 2015, 09:32 PM

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QUOTE(michaelho @ Nov 6 2015, 09:25 PM)
done FD MBB 4.5% 12 months. Got this as gift. Quite useless though, they give, just take la  tongue.gif [attachmentid=5247744]
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wow, barometer? clock? compass?
cklimm
post Nov 7 2015, 09:07 AM

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QUOTE(michaelho @ Nov 6 2015, 09:59 PM)
Photo frame, clock cum compass.

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must be useful when travelling, holds picture of loved ones, when telling you time and direction brows.gif

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