Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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 May 29 2016, 12:32 PM
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Senior Member
2,337 posts Joined: Oct 2014  
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QUOTE(ic no 851025071234 @ May 28 2016, 10:49 PM) I only have 1K lol. Other bank with high rate is need 10k right?  QUOTE(sandkoh @ May 29 2016, 09:07 AM) run fast to bsn. 4.3% 1k will do. For principal of RM1,000, the interest of 4.0% and 4.3% translate to RM40 and RM 43 respectively. It better be worth the hassle to uplift, drive, park and que for another placement This post has been edited by cklimm: May 29 2016, 12:33 PM |
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May 29 2016, 12:35 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cklimm @ May 29 2016, 12:32 PM) For principal of RM1,000, the interest of 4.0% and 4.3% translate to RM40 and RM 43 respectively. why give free money to bank? It better be worth the hassle to uplift, drive, park and que for another placement  he seems young/energetic and asking for high rate. |
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May 29 2016, 12:42 PM
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Senior Member
2,337 posts Joined: Oct 2014
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QUOTE(sandkoh @ May 29 2016, 12:35 PM) why give free money to bank? dude, I have some deja vu feelings now, the free money sounds so familiar he seems young/energetic and asking for high rate.  |
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May 29 2016, 12:51 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cklimm @ May 29 2016, 12:42 PM) dude, I have some deja vu feelings now, the free money sounds so familiar calling .................? waiting new fd offers next week.  |
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May 30 2016, 10:23 AM
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Senior Member
520 posts Joined: Jul 2015 
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QUOTE(Flyboy2016 @ May 28 2016, 12:52 AM) If you have RM30k , will you split it in multiple FD account in different bank or put in 1 FD account ? will consider first fund that i have on hand or mature later...if got good rate will use 1 acct, if so so rate...will split.. |
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May 30 2016, 10:27 AM
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Senior Member
520 posts Joined: Jul 2015
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QUOTE(poor man @ May 28 2016, 09:37 PM) Hong Leong (Senior) Savers Flexi Fixed Deposit Promotion (“FD Promotion”) i recceived another flyer said the promo starts from june onwards~~ 19 May 2016 and ends on 30 June 2016, 6 mth 4.3% min rm10k T&C https://www.hlb.com.my/main/assets/files/pr...ings-tnc-en.pdf  |
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May 30 2016, 10:28 AM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(Flyboy2016 @ May 28 2016, 12:52 AM) If you have RM30k , will you split it in multiple FD account in different bank or put in 1 FD account ? depend of each person's situation. no rite or wrong method. in 1 bank for me. |
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May 30 2016, 10:29 AM
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Junior Member
108 posts Joined: Feb 2006
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sorry, I am not familiar with FD, want to ask noob question
normally interest will get by end of the tenure or we can get every month? |
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May 30 2016, 10:40 AM
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Senior Member
520 posts Joined: Jul 2015
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QUOTE(konholio @ May 30 2016, 10:29 AM) sorry, I am not familiar with FD, want to ask noob question ah~~it depends on the promotion offering...normal promo..is by end of the tenure..some already stated upfront interest..that means once u deposit, u can enjoy the interest. Some offered special rate for senior citizen..u may need to check the tnc for each promo.normally interest will get by end of the tenure or we can get every month? |
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May 30 2016, 10:48 AM
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Senior Member
584 posts Joined: Aug 2009
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hi all,
the extra money i have now, is it better to put in fd, or dump in the downpayment of the house to reduce loan amount? considering interest almost the same |
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May 30 2016, 10:50 AM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(konholio @ May 30 2016, 10:29 AM) sorry, I am not familiar with FD, want to ask noob question normally interest will get by end of the tenure or we can get every month? QUOTE(LNYC @ May 30 2016, 10:40 AM) ah~~it depends on the promotion offering...normal promo..is by end of the tenure..some already stated upfront interest..that means once u deposit, u can enjoy the interest. Some offered special rate for senior citizen..u may need to check the tnc for each promo. some bank offer monthly interest, like bank rakyat (no pidm). other may offer mnthly interest, check tnc. |
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May 30 2016, 10:56 AM
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Senior Member
2,337 posts Joined: Oct 2014
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Anyone here has 1st hand experience on uplifting FD under lien?
Do I need to apply for release letter or some sh1t like that? |
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May 30 2016, 11:17 AM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cklimm @ May 30 2016, 10:56 AM) Anyone here has 1st hand experience on uplifting FD under lien? Do I need to apply for release letter or some sh1t like that?  bro uhnwi. "FD under lien", what is that "lien"? |
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May 30 2016, 11:22 AM
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Senior Member
930 posts Joined: Feb 2006 From: Kuching, Hornbill Land
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QUOTE(sandkoh @ May 30 2016, 11:17 AM) bro uhnwi. "FD under lien", what is that "lien"? Might be as security for loan ? Ya, u need to get the bank ppl to release the tag "on lien" in order for u to take the money. |
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May 30 2016, 11:24 AM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(cklimm @ May 30 2016, 10:56 AM) Anyone here has 1st hand experience on uplifting FD under lien? Do I need to apply for release letter or some sh1t like that? QUOTE(ekestima @ May 30 2016, 11:22 AM) U pledge to fd as security ? so "lien" to crecit card, housing/car loan or what? Might be as security for loan ? Ya, u need to get the bank ppl to release the tag "on lien" in order for u to take the money. This post has been edited by sandkoh: May 30 2016, 11:24 AM |
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May 30 2016, 11:58 AM
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Senior Member
10,001 posts Joined: May 2013
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QUOTE(luminaryxi @ May 30 2016, 10:48 AM) hi all, I wud advise goes to HL payment since interest rate charged is higher than FD interestthe extra money i have now, is it better to put in fd, or dump in the downpayment of the house to reduce loan amount? considering interest almost the same |
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May 30 2016, 11:58 AM
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Senior Member
10,001 posts Joined: May 2013
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Just rec'd call from Affin BM
They offer 12 mths FD @ 5% with min RM20k subject to T&C |
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May 30 2016, 12:01 PM
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Senior Member
817 posts Joined: Mar 2014
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QUOTE(wil-i-am @ May 30 2016, 11:58 AM) Just rec'd call from Affin BM bm calling. bro at least hnwi! They offer 12 mths FD @ 5% with min RM20k subject to T&C  5%? with casa?  |
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May 30 2016, 12:33 PM
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Senior Member
2,337 posts Joined: Oct 2014
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QUOTE(ekestima @ May 30 2016, 11:22 AM) U pledge to fd as security ? Sounds troubelsome Might be as security for loan ? Ya, u need to get the bank ppl to release the tag "on lien" in order for u to take the money. QUOTE(sandkoh @ May 30 2016, 11:24 AM) so "lien" to crecit card, housing/car loan or what? Yeah, pledged to credit card, I wont do it again |
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May 30 2016, 12:35 PM
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Junior Member
60 posts Joined: Feb 2016
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QUOTE(wil-i-am @ May 30 2016, 11:58 AM) Just rec'd call from Affin BM Bro, can u pls tell us more about this FD 5%? They offer 12 mths FD @ 5% with min RM20k subject to T&C Really appreciate if u tell us more. |
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