Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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 Apr 16 2016, 11:19 PM
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#21
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur  
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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. Not when NPL are at all time high.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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Apr 17 2016, 11:56 AM
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#22
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(supersound @ Apr 17 2016, 12:31 AM) All time high also so what? Nowadays, banks will only give out loans to those who dont need one. 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  |
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Apr 17 2016, 05:43 PM
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#23
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(aromachong @ Apr 17 2016, 11:59 AM) they did it since last year QUOTE(supersound @ Apr 17 2016, 02:01 PM) A joke that cannot be denied I hope they do keep raising the interest rates high... but then again, the market and economy suffers. Oh well...   |
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Apr 30 2016, 04:06 PM
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#24
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(poor man @ Apr 29 2016, 06:55 PM) affin bank fd promotion flyer QUOTE(yygo @ Apr 29 2016, 08:05 PM) not pure fd. casa side bad. There is always a catch nowadays. Any too good to be true deals nowadays? Genuine ones only. |
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Apr 30 2016, 06:56 PM
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#25
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(OPT @ Apr 30 2016, 05:48 PM) I got mine, put in Feb. Saw fb people saying luggage bag fully redeemed, many people not happy want to pull out As usual, banks with their "while stocks last" gimmick. |
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May 14 2016, 12:04 PM
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#26
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 14 2016, 11:41 AM) Actually your recent FD in HL, when it comes out in Nov, banks will have year end promo. But more on longer term FD. I did not really watchout for short term one in past years. Er...when is the 4.5 6 months for HLBB going to end? I forgot when I put in already. I know u are looking at short term. So will have to see what are the new offers from Sept onwards.  |
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May 14 2016, 12:34 PM
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#27
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(cybpsych @ May 14 2016, 12:15 PM) going to end? still ongoing meh? Ended already. Waiting for the 6 Months period to end and see which other banks offers the best rate again.isnt it already ended since end-Jan 2016? |
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May 17 2016, 08:59 AM
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#28
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(aeiou228 @ May 16 2016, 07:44 PM) For a minimum of RM250K to max RM300k, you can get 5.5% (5+0.5) at PBB 50th anniversary Bonus $avers reward campaign from now till 31st July 2016. Thats blardee good rates. One think I like about this campaign is that one can withdraw and deposit just like a SA and still enjoying 5.5% as long as you maintain Incremental Average Daily Balance of RM250K Discuss here: https://forum.lowyat.net/topic/3937613/+20  Any catches for this promo? |
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May 17 2016, 10:43 AM
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#29
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(sunshine-kc @ May 3 2016, 10:14 PM) Banks ...Beginning to Feel Shortage in Funds ? Or Raising Capital ? QUOTE(bbgoat @ May 17 2016, 09:23 AM) My bad. Just realized its a Saving accounts. After reading the terms and conditions, suddenly siens already.  This post has been edited by TOMEI-R: May 17 2016, 10:43 AM |
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May 24 2016, 05:05 PM
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#30
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(cybpsych @ May 24 2016, 10:44 AM) we should enforce a standardized reporting template for posters to post fd info Good idea. But then again, will many people be lazy to post here then?  example: Bank: Branch/Location: Date of Report/Placement: Effective Interest/Profit Rate: Promo Period (if any): Minimum Placement: Other Requirements: such as CASA, UT-linked, etc etc Website/T&C (if any):  |
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May 24 2016, 05:22 PM
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#31
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(cybpsych @ May 24 2016, 05:09 PM) if lazy to share, wont get other new info either, right? U have a point there too. Sharing is caring anyway. at the end of the day, if everyone lazy/stingy, post #1 would be empty.   |
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May 24 2016, 06:24 PM
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#32
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 24 2016, 06:21 PM) In BR to renew matured FD to 12 mth 4.3%. 4.3 % is not to bad lar... Best is still 4.5 but the 0.3% should be negligible. No news yet on June promo. They will let me know of the new promo once it came out.  |
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May 24 2016, 11:07 PM
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#33
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 24 2016, 06:29 PM) Other than MBB eFD 4.31%, few banks offering 4.3% top (except BR nego rate). NOT best is 4.5%, history now. 4.5 % is history now. Luckily Im still enjoying it, Going to end soon though. Also 0.2% (not 0.3% ), can be RM200 per 100k FD sum FREE money in 1 year. |
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May 25 2016, 09:06 AM
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#34
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 25 2016, 08:27 AM) Luckily, I still have AmBank 2 and 3 yrs 4.6 and 4.5% still running. Even AmBank 5 yrs 4.55% still running.  Please note above is talking about 2015 AmBank FD promo's. All FD promo already over/expired ! Please don't ask about it ! Next month's rates going to be better...  |
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May 25 2016, 10:52 AM
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#35
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 25 2016, 09:45 AM) Your wish list ? Looking towards a brighter future ? 4.55% just to pawn you. More likely to stay at 4.3% 12 mth. Lets see. |
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May 25 2016, 11:02 AM
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#36
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 25 2016, 11:00 AM) They got small fish with the pawn. I think the market is still on shortage of cash flow. So the banks will need more funds and hence the higher interests rates for fd, but then again, the banks are so strict in giving out loans because of NPL and defaulters. With bigger pawn, they got bigger fish.  This post has been edited by TOMEI-R: May 25 2016, 11:03 AM |
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May 25 2016, 02:57 PM
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#37
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All Stars
24,219 posts Joined: Mar 2007 From: Kuala Lumpur
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QUOTE(bbgoat @ May 25 2016, 01:41 PM) Interesting to see that banks are short of cash as reported in the news. But recently the FD offer has been capped at 12 mth 4.3% vs the 4.5% offered about 2 months ago. Then again bank has tightened loans requirement, car sales plunged. Anyway lets see how FD promo plays out next week, June month ! Not only car sales plunged, the market has basically slowed down to a crawl. Just ask any business owners out there. Morever, its almost Raya time and i dont see any excitement picking up like last time. Banks are very 'stingy' in giving out loans. More so can be said of property loans, all my real estate agent friends are complaining for the past 1 and 1/2 year already. I dont see any point in banks increasing interest rates for FD while being too careful in giving out. This is actually killing the market slowly.This post has been edited by TOMEI-R: May 25 2016, 02:58 PM |
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