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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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wil-i-am
post Apr 16 2016, 09:55 PM

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QUOTE(Ramjade @ Apr 16 2016, 08:55 PM)
Maybank eGIA-i 4%p.a.
For 1 month placement need rm5k
For 2 months onward min rm1k.

Even if you place for 60 months, but if you withdraw 3 days later, you get 4%p.a interest of the 3 days.
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Great opportunity to leverage on d int rate
aromachong
post Apr 16 2016, 10:06 PM

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ambank savers gang 4.2% for 7 months looks like a good deal too
TOMEI-R
post Apr 16 2016, 11:17 PM

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QUOTE(aromachong @ Apr 16 2016, 07:03 PM)
yes 4.5% for 6 or 3 months hard to see.. only 4.2% from hlb i see from their site..

well anything banks offer more than 4.2% for 3-6 months?

guess next month will drop again?
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I would say so.. banks are not taking unnecessary risks by simply giving out loans.
TOMEI-R
post Apr 16 2016, 11:19 PM

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QUOTE(supersound @ Apr 16 2016, 09:07 PM)
Even if 1USD = rm3 also nothing will changed, as debt/GDP are way out of balance.
More people getting bankrupt, people still need to borrow money to buy houses. So banks need more fresh money to keep the ball rolls.
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Not when NPL are at all time high.
SUSsupersound
post Apr 17 2016, 12:31 AM

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QUOTE(TOMEI-R @ Apr 16 2016, 11:19 PM)
Not when NPL are at all time high.
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All time high also so what?
If they can't borrow money, they will die also.
Or I would say, bank give out loan, die, don't give out loan get slaughtered whistling.gif

This post has been edited by supersound: Apr 17 2016, 12:32 AM
wil-i-am
post Apr 17 2016, 07:40 AM

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QUOTE(aromachong @ Apr 16 2016, 10:06 PM)
ambank savers gang 4.2% for 7 months looks like a good deal too
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Can share more info?
yygo
post Apr 17 2016, 08:28 AM

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QUOTE(wil-i-am @ Apr 16 2016, 09:55 PM)
Great opportunity to leverage on d int rate
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care to elaborate? hmm.gif
aromachong
post Apr 17 2016, 09:12 AM

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QUOTE(wil-i-am @ Apr 17 2016, 07:40 AM)
Can share more info?
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http://www.ambank.com.my/ambank/SiteAssets...paignTnCENG.pdf

good enough?
TOMEI-R
post Apr 17 2016, 11:56 AM

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QUOTE(supersound @ Apr 17 2016, 12:31 AM)
All time high also so what?
If they can't borrow money, they will die also.
Or I would say, bank give out loan, die, don't give out loan get slaughtered whistling.gif
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Nowadays, banks will only give out loans to those who dont need one. whistling.gif
wil-i-am
post Apr 17 2016, 11:58 AM

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QUOTE(aromachong @ Apr 17 2016, 09:12 AM)
http://www.ambank.com.my/ambank/SiteAssets...paignTnCENG.pdf

good enough?
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Thanks
aromachong
post Apr 17 2016, 11:59 AM

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QUOTE(TOMEI-R @ Apr 17 2016, 11:56 AM)
Nowadays, banks will only give out loans to those who dont need one. whistling.gif
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they did it since last year
wil-i-am
post Apr 17 2016, 12:06 PM

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QUOTE(yygo @ Apr 17 2016, 08:28 AM)
care to elaborate? hmm.gif
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Can earn gud returns from idle funds on short term if the sum is Big
SUSsupersound
post Apr 17 2016, 02:01 PM

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QUOTE(TOMEI-R @ Apr 17 2016, 11:56 AM)
Nowadays, banks will only give out loans to those who dont need one. whistling.gif
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A joke that cannot be denied thumbsup.gif
TOMEI-R
post Apr 17 2016, 05:43 PM

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QUOTE(aromachong @ Apr 17 2016, 11:59 AM)
they did it since last year
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QUOTE(supersound @ Apr 17 2016, 02:01 PM)
A joke that cannot be denied thumbsup.gif
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I hope they do keep raising the interest rates high... but then again, the market and economy suffers. Oh well... rolleyes.gif
aromachong
post Apr 17 2016, 05:55 PM

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QUOTE(TOMEI-R @ Apr 17 2016, 05:43 PM)
I hope they do keep raising the interest rates high... but then again, the market and economy suffers. Oh well...  rolleyes.gif
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i hope same as asw2020 6% above but its quite impossible lor?
SUSsupersound
post Apr 17 2016, 10:36 PM

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QUOTE(TOMEI-R @ Apr 17 2016, 05:43 PM)
I hope they do keep raising the interest rates high... but then again, the market and economy suffers. Oh well...  rolleyes.gif
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Nope, raising the OPR will happen in your dream rclxs0.gif
Reason is, with current OPR debt/GDP already at 89.1%, so increasing will be reaching 100%, which means every rm1 you make, it will go to other people's pocket.
Above is the average Malaysian that have or without having debt. Like me for sure are rm0 debt, by removing people like me, the actual debt/GDP is > 100% puke.gif
galaxynote259
post Apr 17 2016, 11:19 PM

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QUOTE(supersound @ Apr 17 2016, 10:36 PM)
Nope, raising the OPR will happen in your dream rclxs0.gif
Reason is, with current OPR debt/GDP already at 89.1%, so increasing will be reaching 100%, which means every rm1 you make, it will go to other people's pocket.
Above is the average Malaysian that have or without having debt. Like me for sure are rm0 debt, by removing people like me, the actual debt/GDP is > 100% puke.gif
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raising OPR encourages more debt????
cybpsych
post Apr 18 2016, 07:35 AM

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HSBC Premier Term Deposit-i Dual Offer 2016 Promotion [ HSBC | T&Cs ]
1 March 2016 – 30 April 2016

Get great returns on your deposits with 8.00% p.a. on 3-month Time Deposit with investment, or 4.38% p.a. on 6-month Time Deposit

» Click to show Spoiler - click again to hide... «


This post has been edited by cybpsych: Apr 18 2016, 07:35 AM
MGM
post Apr 18 2016, 08:37 AM

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If already has a M2U account, can I open a GIA-i account online, or must I open the account at a MBB branch?
WhitE LighteR
post Apr 18 2016, 08:40 AM

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QUOTE(MGM @ Apr 18 2016, 08:37 AM)
If already has a M2U account, can I open a GIA-i account online, or must I open the account at a MBB branch?
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yes u can
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