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Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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familyfirst
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Oct 27 2015, 05:15 PM
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Hi everyone - tried to read 50 pages but got a little confused along the way.
Looking for MBB 12-mth pure FD promo (capital & interest guaranteed). What is the name of the promo with effective rate of 4.5%?
Many thanks.
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familyfirst
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Oct 28 2015, 10:07 AM
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QUOTE(yygo @ Oct 27 2015, 05:17 PM) it is not an fd. it is a gia-i account. no capital & interest guarantee. but still can go in. QUOTE(cybpsych @ Oct 27 2015, 05:18 PM) none from Maybank. the 4.5% 12mth GIA-i is capital & profit NOT guaranteed. read hereThanks guys. So whats the bext best deal - OCBC 13 mths pure FD 4.2% ok? Im looking at RHB, MBB, OCBC and CIMB only at the moment. This post has been edited by familyfirst: Oct 28 2015, 10:07 AM
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familyfirst
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Oct 28 2015, 05:13 PM
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QUOTE(poor man @ Oct 28 2015, 03:13 PM) today walk in cimb fd promo over counter 3-5 mth 4.1% fresh / 4.0% renew 6-11 mth 4.2% fresh fund /4.1% renew 12 mth 4.3% fresh fund / 4.2% renew Let me try my CIMB here, see can get mou ah. Do you have any snapshot of the promo in paper? Wanna show them cos you know la, the people working there .. blur blur geh. This post has been edited by familyfirst: Oct 28 2015, 05:13 PM
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familyfirst
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Oct 29 2015, 12:07 PM
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QUOTE(sandkoh @ Oct 29 2015, 10:44 AM) anyone check with cimb on the 12month 4.3% someone said yesterday? not genuine pure fd? 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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familyfirst
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Oct 29 2015, 03:54 PM
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On an average, how many bank accounts do you all have? If keep looking for good FD, seems like have to open account everywhere, haha.
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familyfirst
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Oct 29 2015, 04:32 PM
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QUOTE(cklimm @ Oct 29 2015, 03:59 PM) Pengsan.
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familyfirst
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Oct 30 2015, 12:04 PM
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QUOTE(mohdyusof @ Oct 30 2015, 10:27 AM) panggil cimb, tak ada 4.3, 4.2 fd. hanya 4% 1 tahun.  CIMB called me back saying they will give me the 4.3% for 12 mths pure FD. Let me go over this afternoon and see really can get it or not.
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familyfirst
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Oct 30 2015, 03:50 PM
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QUOTE(mohdyusof @ Oct 30 2015, 10:27 AM) panggil cimb, tak ada 4.3, 4.2 fd. hanya 4% 1 tahun.  QUOTE(familyfirst @ Oct 30 2015, 12:04 PM) CIMB called me back saying they will give me the 4.3% for 12 mths pure FD. Let me go over this afternoon and see really can get it or not. QUOTE(bbgoat @ Oct 30 2015, 12:12 PM) The 4.3% 12 mth is a good rate vs 4.2% in UOB/OCBC. Do let us know and get any leaflet to show us.  I got my 4.3% for 12 mths pure FD at CIMB (conventional). How to attach photo here? I took a photo of my cert with my phone but Im accessing this site with my PC. Since I dont have an account there, have to open savings with atm card and also end up with 2 credit card without annual fee and an umbrella.
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familyfirst
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Oct 30 2015, 04:03 PM
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QUOTE(familyfirst @ Oct 30 2015, 03:50 PM) I got my 4.3% for 12 mths pure FD at CIMB (conventional). How to attach photo here? I took a photo of my cert with my phone but Im accessing this site with my PC. Since I dont have an account there, have to open savings with atm card and also end up with 2 credit card without annual fee and an umbrella. Attached thumbnail(s)
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familyfirst
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Nov 2 2015, 09:04 AM
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Sorry for late reply. My 12-mth CIMB FD was a pure FD with no conditions such as credit card, etc. Since the bank officer said can get rebate for petrol, etc so I saja ambil la. No annual fee ma. Later if I really dont use it, will cancel it.
I still hv a smaller FD maturing this week from OCBC and already negotiated for same rate of 4.3% at CIMB. Bank Manager agreed so will move it over this week.
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familyfirst
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Nov 2 2015, 09:14 AM
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QUOTE(sandkoh @ Nov 2 2015, 09:04 AM) care to answer the questions posted on your cimb 4.3% fd. is it linked to credit card? several people asking. Mine was not linked. Not sure abt others.
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familyfirst
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Nov 2 2015, 01:43 PM
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Will we be looking at 4.5% soon for 12 mths FD or similar? I have a few maturing this week and early Dec. So shd I wait?
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familyfirst
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Nov 2 2015, 05:06 PM
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QUOTE(bbgoat @ Nov 2 2015, 04:55 PM) You can try. The RM called me and I got 4.35%.  I did not get a receipt at that time as she will call me if get approval for higher rate. Will only get the slip may be tomorrow. Thinking of going there again tomorrow to place another one.  Worth the try. Never try never know.
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familyfirst
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Nov 3 2015, 10:34 AM
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QUOTE(bbgoat @ Nov 3 2015, 09:17 AM) Called OCBC PB line to enquire about their FD rate. My RM is away so have to call OCBC PB centre. They asked for my name to verify that I am a PB member before giving me the rate, instructions from above.  Yesterday in UOB PB centre people just call in and the lady just gave them the promo rate without asking for PB membership confirmation !  Waste of their (OCBC) time and mine. Anyway OCBC rate still as reported earlier 13 mth 4.2%, though their rival UOB has up'ed the game to 12 mth 4.25%. Not to mention CIMB 4.3% to 4.35%.  Most of the time, I just pick the one more convenient for me to get to. Not necessarily the highest. Any idea when is the next BNM meeting date? Any adjustments to interest rates expected? Thanks.
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familyfirst
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Nov 3 2015, 01:32 PM
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QUOTE(okuribito @ Nov 3 2015, 12:53 PM) uh huh in cantonese to give a clock is "sung choong" which is also the same pronunciation for one of the last "sending off" rites during taoist funeral. can give wrist watch but never a clock ... for cantonese lah Not birthday ok one la.
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familyfirst
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Nov 3 2015, 02:35 PM
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QUOTE(bbgoat @ Nov 3 2015, 02:14 PM) OK, another FD musical chair today. Thanks to @familyfirst and rich @poor man (  ) that I came to know about this. Initially was sceptical even when they showed the fd slip. Attaching the CIMB FD slip which some may say not genuine, but it is just a portion of it hiding other details of the FD: We have to help ourselves to increase the interest rate. Tunggu BNM susah lo. Congrats.
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familyfirst
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Nov 4 2015, 08:44 AM
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I myself only do musical chair when its convenient to me, hence I stick to those that is convenient to get to during office hours. No need take leave and no need find parking and also save time lo.
Sometimes give & take to be happy. No need run after the 0.05% so hard. Stay happy is important. Maybe those untie and unker memang taat setia to some foreign banks. Each have their own reasons and comfort levels.
Cheers to all and happy to be in this forum with all you guys. Learn a lot.
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familyfirst
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Nov 4 2015, 02:39 PM
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It seems CIMB will maintain the 4.3% for 12 mth pure FD for the months of Nov & Dec. They will stop in Jan for sure.
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familyfirst
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Nov 5 2015, 10:28 AM
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Super deal from OCBC. Pure FD. No string attached and no investment linked.
6m @ 4.3% 12m @ 4.5% !!!!
Valid for fresh funds min 10k. Valid till 31 Dec or when quota reached.
Please guys, keep some quota for me cos I will only have fresh funds early Dec. Hope got chance then. But good news have to share here. Now go run there everyone.
Got this info thru the RM via whatsapp.
This post has been edited by familyfirst: Nov 5 2015, 10:28 AM
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familyfirst
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Nov 5 2015, 01:32 PM
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QUOTE(bbgoat @ Nov 5 2015, 11:02 AM) After some calculation, worth to terminate my CIMB conventional one 4.35% placed on Monday and go to OCBC. Lose some but gain back RMx00. Not bad deal. But though can also terminate the one I placed on Tuesday, Islamic one, but keep there for security sake and monthly interest.  I also feel like terminating my CIMB placed yesterday, LOL! Shall I do it?
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