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 Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only

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cklimm
post Jun 30 2016, 07:09 AM

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why you guys busy searching for affin? I got 4.25% interest on top of 4.25% interest from KFH FD, i ended up with rm 400+ pocket money, which is interest's interest
mamamia
post Jun 30 2016, 07:11 AM

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QUOTE(nexona88 @ Jun 29 2016, 07:00 PM)
Affin Bank 4.5% FD (special)

available branch (as said by fellow forummers)

Affin Bangsar, Cheras, Subang Jaya, Shaftbury Cyberjaya, PJ New Town

charmhy18
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Wonder raja Chulan branch eligible for that? Anyone asked?
David3700
post Jun 30 2016, 07:46 AM

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QUOTE(cklimm @ Jun 30 2016, 07:09 AM)
why you guys busy searching for affin? I got 4.25% interest on top of 4.25% interest from KFH FD, i ended up with rm 400+ pocket money, which is interest's interest
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Can you explain further on this. ....I am interested
Ramjade
post Jun 30 2016, 08:14 AM

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QUOTE(David3700 @ Jun 30 2016, 07:46 AM)
Can you explain further on this. ....I am interested
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You put BIG amount into KFH like really big. They give you the interest upfront. If interest >= RM10k, you can put the given interest into any of those promo rates FD yo boost your effective rates.
bbgoat
post Jun 30 2016, 09:01 AM

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QUOTE(nexona88 @ Jun 29 2016, 11:09 PM)
don't be surprise the best rate is 4% or lower  bruce.gif
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Bro, if u say Aug onwards, maybe I would agree. For tomorrow, new July promo, not likely ! bruce.gif

Lets see tomorrow on new July promo ! biggrin.gif
wil-i-am
post Jun 30 2016, 09:04 AM

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QUOTE(mamamia @ Jun 30 2016, 07:11 AM)
Wonder raja Chulan branch eligible for that? Anyone asked?
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U need to call them to confirm
valencia25
post Jun 30 2016, 09:06 AM

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Mownink guys! icon_rolleyes.gif

New Bank Rakyat FD promo starting in July 2016;
12 month - 4.38%
Min - RM 5k!

pls call 0326173800 for any enquiries.. hav a nic day thumbup.gif




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sandkoh
post Jun 30 2016, 09:12 AM

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QUOTE(Deal Hunter @ Jun 30 2016, 12:57 AM)
Big boss says to his financial people, "You say this special promo paying monthly interest at 4.3%  p.a ending this March is worth catching for 6 months. Just scrape the loose funds around and see whether you can place 5 million. If short a bit, no problem, can top-up. When can we do it?"
"Give us some time to arrange things, and meet any unexpected problems. Probably near end of month, can even at the end at last day as good kawan with bank manager."
Big boss says, "OK, I mark Monday 28, Tuesday 29, Wednesday 30 and Thursday 31 March 2016 for standby for the the good day?"
"All days good, boss"
"What no special good luck day like 28?"
"Err, only one bad day."
"Oh what day is that and how bad can it be?"

If you can work this one out and answer, it means you are beginning to glimpse/grasp what could be called the time factor problem - something most people are not aware of when doing time dependent calculations.
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too deep, boss. so look for lucky day and loose interest waiting for it? hmm.gif
sl3ge
post Jun 30 2016, 09:13 AM

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Hi guys wanna ask,
any fd can take out anytime, with the interest count until the day we withdraw the fd?
thanks
sandkoh
post Jun 30 2016, 09:17 AM

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QUOTE(cklimm @ Jun 30 2016, 07:09 AM)
why you guys busy searching for affin? I got 4.25% interest on top of 4.25% interest from KFH FD, i ended up with rm 400+ pocket money, which is interest's interest
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boss lim place >250k in kfh. drool.gif drool.gif interest on interest. notworthy.gif

QUOTE(wil-i-am @ Jun 30 2016, 09:04 AM)
U need to call them to confirm
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did u place or just .........

QUOTE(sl3ge @ Jun 30 2016, 09:13 AM)
Hi guys wanna ask,
any fd can take out anytime, with the interest count until the day we withdraw the fd?
thanks
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all fd can take out anytime. but normal fd has rules when withdrawal. read yesterday's discussion on this.
David3700
post Jun 30 2016, 09:17 AM

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QUOTE(Ramjade @ Jun 30 2016, 08:14 AM)
You put BIG amount into KFH like really big. They give you the interest upfront. If interest >= RM10k, you can put the given interest into any of those promo rates FD yo boost your effective rates.
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Oh, 10k interest. So principal roughly 250k......
David3700
post Jun 30 2016, 09:19 AM

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QUOTE(valencia25 @ Jun 30 2016, 09:06 AM)
Mownink guys!  icon_rolleyes.gif

New Bank Rakyat FD promo starting in July 2016;
12 month - 4.38%
Min - RM 5k!

pls call 0326173800 for any enquiries.. hav a nic day thumbup.gif
*
That's good....
wil-i-am
post Jun 30 2016, 09:20 AM

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QUOTE(sandkoh @ Jun 30 2016, 09:17 AM)
boss lim place >250k in kfh.  drool.gif  drool.gif interest on interest.  notworthy.gif
did u place or just .........
all fd can take out anytime. but normal fd has rules when withdrawal. read yesterday's discussion on this.
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I have done
Will top up again next week
wil-i-am
post Jun 30 2016, 09:22 AM

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QUOTE(valencia25 @ Jun 30 2016, 09:06 AM)
Mownink guys!  icon_rolleyes.gif

New Bank Rakyat FD promo starting in July 2016;
12 month - 4.38%
Min - RM 5k!

pls call 0326173800 for any enquiries.. hav a nic day thumbup.gif
*
The rate is awesome
bbgoat
post Jun 30 2016, 09:23 AM

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QUOTE(nexona88 @ Jun 29 2016, 11:09 PM)
don't be surprise the best rate is 4% or lower  bruce.gif
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See below already have new promo of 4.38% 12 mth. biggrin.gif

QUOTE(valencia25 @ Jun 30 2016, 09:06 AM)
Mownink guys!  icon_rolleyes.gif

New Bank Rakyat FD promo starting in July 2016;
12 month - 4.38%
Min - RM 5k!

pls call 0326173800 for any enquiries.. hav a nic day thumbup.gif
*
QUOTE(wil-i-am @ Jun 30 2016, 09:20 AM)
I have done
Will top up again next week
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Oh, u did have some action ! tongue.gif
wil-i-am
post Jun 30 2016, 09:26 AM

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QUOTE(bbgoat @ Jun 30 2016, 09:23 AM)
Oh, u did have some action ! tongue.gif
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Need to lock-in fast
dannyw
post Jun 30 2016, 09:51 AM

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Guys, need some advice for the MBB eFD Flexi campaign premature withdrawal.

- No interest shall be paid for eFD that has not completed its 2 months full tenure period.
- For eFD’s uplifted after the completion of the first 2 months period, interest shall be half (1/2) the campaign rate for the completed number of days until premature withdrawal or closing of account.
- For eFD’s that has been uplifted before maturity, the interest paid front will be deducted from the principal amount.


For clause number 2, is that means if 3.4% for 1st 6 months become 1.7%?
Clause number 3, is that means the interest that credited for us it will deduct half from the principal, if we uplift premature?

Am I translate correctly or ?
tryifelsecatch
post Jun 30 2016, 10:52 AM

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hi sifu, so 1 of the FD (joint name with mom) is going to mature in the next 2 week. never really pay attention to the rate until i stumbled to this wonderful thread about the needs of getting good rate smile.gif thanks guys

my question is if we want to withdraw the matured FD, what's the process like? and does it has to be done on certain date or before the mature date in order to avoid penalty? and do we usually withdraw it in bank draft form or ?
Ramjade
post Jun 30 2016, 11:09 AM

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QUOTE(tryifelsecatch @ Jun 30 2016, 10:52 AM)
hi sifu, so 1 of the FD (joint name with mom) is going to mature in the next 2 week. never really pay attention to the rate until i stumbled to this wonderful thread about the needs of getting good rate smile.gif thanks guys

my question is if we want to withdraw the matured FD, what's the process like? and does it has to be done on certain date or before the mature date in order to avoid penalty? and do we usually withdraw it in bank draft form or ?
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Withdraw on matured date. Do not withdraw earlier. Up to you. If you are like me carry cash, then withdraw fully in cash. If uou feel insecure, use bank draft.
nexona88
post Jun 30 2016, 11:50 AM

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QUOTE(bbgoat @ Jun 30 2016, 09:23 AM)
See below already have new promo of 4.38% 12 mth.  biggrin.gif
Oh, u did have some action ! tongue.gif
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okay okay.. my mistake.. over excited with upcoming OPR rate cut dry.gif

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