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 Fixed Deposit Rates In Malaysia V. No.11, Strictly for FD Discussion Only

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CSS
post Feb 13 2016, 05:11 PM

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QUOTE(poor man @ Feb 6 2016, 11:25 PM)
Alliance bank Fixed Deposit Campaign 3,6,9 mth same rate 4.35%

Minimum fresh fund 50k

05 feb 2016 to 31 mar 2016

fd & efd

T&C

http://www.alliancebank.com.my/fdcampaigntnc#eFDTnC-tab
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Is this better than MBB 4.38% for 8 months? What's the best FD option before end Feb 2016?
babysiew
post Feb 13 2016, 07:27 PM

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QUOTE(BoomChaCha @ Feb 13 2016, 10:28 AM)
Sorry for the late reply.
Yes, according to Affin Bank, FD depositors will need to open a saving account as a prerequisite
to place FD in Affin, FD interest will pay upon FD maturity. FD depositors have an option whether to
credit interest to saving account upon FD maturity, or credit principal + interest to saving account
and etc..
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Thanks!
Kaka23
post Feb 13 2016, 07:43 PM

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QUOTE(Bonescythe @ Feb 12 2016, 04:34 PM)
MV hong leong bank branch open till 7pm.. smile.gif

Strategic location and also long opening hours.. recommended!
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Many people?
Bonescythe
post Feb 13 2016, 08:19 PM

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QUOTE(Kaka23 @ Feb 13 2016, 07:43 PM)
Many people?
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Not really... almost instant for my few visit there, but i use their greenlane service. But even not green lane also quite ok.

Parking wise either u park outside the bank and tell the security guard u going to the bank for a while, or you have to round round the MV parking smile.gif

I like it because of their long opening hours, and even open on Saturday. Sunday not sure, but i think some Sunday they are open as well.

The last FD placement i did took me approx 15mins. Inclusive of opening a Fd acc there. But the parking took me 1hr
Kaka23
post Feb 13 2016, 09:30 PM

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QUOTE(Bonescythe @ Feb 13 2016, 08:19 PM)
Not really... almost instant for my few visit there, but i use their greenlane service. But even not green lane also quite ok.

Parking wise either u park outside the bank and tell the security guard u going to the bank for a while, or you have to round round the MV parking smile.gif

I like it because of their long opening hours, and even open on Saturday. Sunday not sure, but i think some Sunday they are open as well.

The last FD placement i did took me approx 15mins. Inclusive of opening a Fd acc there. But the parking took me 1hr
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Oh.. Thabks for the detailed info!

wjchay
post Feb 14 2016, 01:36 PM

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I just done 4.5% 6mths with hlb mv, no queue. Gave them a check from mbb, maturity on 15 Aug, I can see immediately in hongleongconnect.

yygo
post Feb 14 2016, 01:47 PM

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QUOTE(wjchay @ Feb 14 2016, 01:36 PM)
I just done 4.5% 6mths with hlb mv, no queue. Gave them a check from mbb, maturity on 15 Aug, I can see immediately in hongleongconnect.
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did u ask them the fd promo is until when? it was mentioned first wk of feb now until when?
wjchay
post Feb 14 2016, 01:50 PM

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QUOTE(yygo @ Feb 14 2016, 02:47 PM)
did u ask them the fd promo is until when? it was mentioned first wk of feb now until when?
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Sorry didn't ask, I'm sure they will tell you if you call them up.
babysiew
post Feb 15 2016, 11:19 AM

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QUOTE(wjchay @ Feb 14 2016, 01:36 PM)
I just done 4.5% 6mths with hlb mv, no queue. Gave them a check from mbb, maturity on 15 Aug, I can see immediately in hongleongconnect.
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not bad also. just headache after 6 mths, need to search again which bank to put the $$$. any hong leong bank can? thx

called bdr sunway branch to confirm the FD, nobody picked up. zzz

This post has been edited by babysiew: Feb 15 2016, 12:00 PM
yygo
post Feb 15 2016, 12:03 PM

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QUOTE(babysiew @ Feb 15 2016, 11:19 AM)
not bad also. just headache after 6 mths, need to search again which bank to put the $$$. any hong leong bank can? thx

called bdr sunway branch to confirm the FD, nobody picked up. zzz
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any hl pun boleh, not branch specific. but not sure extended till when.
babysiew
post Feb 15 2016, 12:09 PM

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QUOTE(yygo @ Feb 15 2016, 12:03 PM)
any hl pun boleh, not branch specific. but not sure extended till when.
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thanks. till february 2016 but is okay. I am going today. Was thinking to go affin. now HLBI also can la biggrin.gif thx!
yygo
post Feb 15 2016, 12:14 PM

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QUOTE(babysiew @ Feb 15 2016, 12:09 PM)
thanks. till february 2016 but is okay. I am going today. Was thinking to go affin. now HLBI also can la biggrin.gif thx!
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oh, the islamic fd is till end feb. confirm the start date if u use check. one forumer confirmed start same date. some other said islamic start 2 days later using check.
babysiew
post Feb 15 2016, 12:33 PM

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QUOTE(yygo @ Feb 15 2016, 12:14 PM)
oh, the islamic fd is till end feb. confirm the start date if u use check. one forumer confirmed start same date. some other said islamic start 2 days later using check.
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if start 2 days later, end also 2 days later right? for me doesnt matter as long as I get the 6 mths interest haha
yygo
post Feb 15 2016, 12:35 PM

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QUOTE(babysiew @ Feb 15 2016, 12:33 PM)
if start 2 days later, end also 2 days later right? for me doesnt matter as long as I get the 6 mths interest haha
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hahaha u lose 2 days interest if tat happens hahaha
Ramjade
post Feb 15 2016, 01:12 PM

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QUOTE(babysiew @ Feb 15 2016, 12:33 PM)
if start 2 days later, end also 2 days later right? for me doesnt matter as long as I get the 6 mths interest haha
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For you and me maybe no differences. For big player like unker goat & unker lim who put in 6-7 digit/FD, late 2 days payment can buy dinner for family (~rm500 I guess?).
yygo
post Feb 15 2016, 01:16 PM

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QUOTE(Ramjade @ Feb 15 2016, 01:12 PM)
For you and me maybe no differences. For big player like unker goat & unker lim who put in 6-7 digit/FD, late 2 days payment can buy dinner for family (~rm500 I guess?).
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wen did u becomes their spokesman? brows.gif
HarpArtist
post Feb 15 2016, 01:20 PM

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QUOTE(Ramjade @ Feb 15 2016, 01:12 PM)
For you and me maybe no differences. For big player like unker goat & unker lim who put in 6-7 digit/FD, late 2 days payment can buy dinner for family (~rm500 I guess?).
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like that when put fd must make sure the exact maturity date is free to go uplift and shop for next promo again .
Ramjade
post Feb 15 2016, 02:07 PM

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QUOTE(HarpArtist @ Feb 15 2016, 01:20 PM)
like that when put fd must make sure the exact maturity date is free to go uplift and shop for next promo again .
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Of course la.
Let's take unker X for eg. This is just a rough calculations of mine. Could be wrong.
Unker X is worth min rm3m. How did I arrive at this figure?
1. Unker X send his son to the US. Sending someone to the US will require at least Rm1m for tuition fees + living expenses for say 3 years.
2. Chinese family generally have 2-3 kids. For this discussion, let's assume he have 2 kids. One kid send to US. One more kid takkan in Malaysia. So another rm1m for the other kid.
3. 6 figure FD amount late for few days = one time family meal.
4. No way only one single 6 digit FD. How I know? Too much money in bank X/Y/Z (his own words - lost count how many banks already).
5. Say eg, RM500k /FD at 4.5% gives ~ only about RM62.5/day.
6. If one were to eat at hotel/fancy restaurant, one should prepare min rm50/person (I am being generous here as usually it will be higher than that - about rm100)
7. As you can see from the eg. Unker X if he didn't get 2 days of interest, he lose out.

Of course Unker X is not captain but applicable for him as well. tongue.gif

PS Unker X is active member of FD thread. ph34r.gif

This post has been edited by Ramjade: Feb 15 2016, 02:10 PM
yygo
post Feb 15 2016, 02:20 PM

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QUOTE(Ramjade @ Feb 15 2016, 02:07 PM)
Of course la.
Let's take unker X for eg. This is just a rough calculations of mine. Could be wrong.
Unker X is worth min rm3m. How did I arrive at this figure?
1. Unker X send his son to the US. Sending someone to the US will require at least Rm1m for tuition fees + living expenses for say 3 years.
2. Chinese family generally have 2-3 kids. For this discussion, let's assume he have 2 kids. One kid send to US. One more kid takkan in Malaysia. So another rm1m for the other kid.
3. 6 figure FD amount late for few days = one time family meal.
4. No way only one single 6 digit FD. How I know? Too much money in bank X/Y/Z (his own words - lost count how many banks already).
5. Say eg, RM500k /FD at 4.5% gives ~ only about RM62.5/day.
6. If one were to eat at hotel/fancy restaurant, one should prepare min rm50/person (I am being generous here as usually it will be higher than that - about rm100)
7. As you can see from the eg. Unker X if he didn't get 2 days of interest, he lose out.

Of course Unker X is not captain but applicable for him as well. tongue.gif

PS  Unker X is active member of FD thread. ph34r.gif
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laugh.gif u ke po chi. laugh.gif if u calculate captain, will be even higher! brows.gif
babysiew
post Feb 15 2016, 02:23 PM

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QUOTE(yygo @ Feb 15 2016, 12:35 PM)
hahaha u lose 2 days interest if tat happens hahaha
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oh really ah? mine small amount but the fd cert stated effective today 15/2 until 15/8, means ok right? biggrin.gif

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