Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only
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 Jun 20 2016, 06:12 PM
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#1
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28,187 posts Joined: Mar 2007 From: Underworld   
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QUOTE(bbgoat @ Jun 20 2016, 08:20 AM) TQ ! This just confirmed earlier thoughts that FD promo rates not going up, but coming down ! Big Bones, 5% ??    Wad to do ? Just went to Kuchai Lama CIMB to place some 2 mths FD.. Sigh.. only give me 3.85% for promo.. And waited 1hr... I want to  Then i calm off.. Haiiizzzhhhh |
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Jun 20 2016, 06:14 PM
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#2
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(cklimm @ Jun 18 2016, 07:15 PM) omg, thats quite a lot of money What can u do with RM 109 ???? |
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Jun 20 2016, 08:24 PM
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#3
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(bbgoat @ Jun 20 2016, 06:25 PM) End of June, min 25k. The FD pressure will probably resume at 4q 2016Play it cool, Big Bones !   Wa, extra pocket money also don't want meh ?   Anyway I think Mr Lim is referring to the 1 mil in the original post, not the RM 109.  But I think only max 4.5 again This post has been edited by Bonescythe: Jun 20 2016, 08:25 PM |
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Jul 2 2016, 11:59 AM
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#4
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(T231H @ Jul 2 2016, 09:44 AM) yes,...I think the chances of it going down is more than going up too... Learn from brexit.. my bets is 42.5% stays 35.0% down 22.5% up on the next meeting  Kikiki.. unexpected thing can happe. |
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Jul 5 2016, 08:30 PM
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#5
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(tomry @ Jul 5 2016, 01:59 PM) just went to bank rakyat branch myself , placed the FD with 4.38 % for 12 months with min fresh fund of rm 5k In my few years of fd placing, i never got even 1 gift, dun say a pen..( promo end on 31/7/16) i asked them why i call the customer service center only say have 4.1% , they claim the customer service is not updated got free gift 1) parker pen 2) diary Why like this one ?  Do u guys ask for it ? Or they sendiri giv to you? I once ask at hlb main branch.. they told me, u ad got promo rate, you want free gift somemore ??? Then i say.... oo nevermind, asking only.. This post has been edited by Bonescythe: Jul 5 2016, 08:31 PM |
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Jul 6 2016, 03:40 PM
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#6
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(Deal Hunter @ Jul 5 2016, 10:15 PM) Can take their free sweets at HL Place FD and take free sweet ? Want like this mer ? counterIf got HLBank diary, pen, water tumbler will look classy a bit. Looks like i need to try bank rakyat soon. Havent try it before. |
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Jul 6 2016, 06:06 PM
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#7
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(Deal Hunter @ Jul 6 2016, 04:05 PM) Got 100 k or not? Don't simply jalan and get nothing. Actually I don't know their minimum for gifts. They give, not nice to refuse, so take. Never ask them how come or how much to qualify. So don't ask me. Maybe different branch also different and depends whether got stock left. I am PB with them oo.. that time was 3.85 per year.. consider very high tat time..HLB - got gifts for children most times now (subject to stock left). So the 3.85% that i placed, i ask for free gift.. they say sudah promo, u mau gift lagi? No gift ror promo rate.... Tat time i see many member here, got hamper la, got pen la, got all kind of stuff.. Sigh... PB customer... get ntg... Then a few mth later, hlb offer new pB customer golden abascus as souvenir. I am so dam xxxx speecless.. !! So my question is.. for gift, do we ask or they automatic inform u that u entitle for gift when placing FD... especially promo fd ? This post has been edited by Bonescythe: Jul 6 2016, 06:07 PM |
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Jul 6 2016, 08:10 PM
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#8
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(poor man @ Jul 6 2016, 06:14 PM) wo..! pb customer Wah... which bank let you cheat them until like this ???i no pb customer also can get gift... my gift.... 4x ipad airs ??? Is ur FD pure FD? Or your fd is tied up with promotional site like ringgit plus / imoney ? Or your fD is board rate 3% per year ? Haha.. If board rate and get ipad.. ok la, understood. If promo rate + ipad... pls tell me which bank o Dam!! U shud ask admin change ur id to "richman" la.... |
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Jul 13 2016, 03:53 PM
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#9
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28,187 posts Joined: Mar 2007 From: Underworld
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Huhu.. dash away my hope 5% fd won't happen this year
Opr reduced This post has been edited by Bonescythe: Jul 13 2016, 03:53 PM |
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Jul 13 2016, 05:03 PM
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#10
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28,187 posts Joined: Mar 2007 From: Underworld
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Argh sienz.. most my fund mature August..
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Jul 18 2016, 05:40 PM
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#11
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(Pinnacle1295 @ Jul 18 2016, 05:28 PM) Just did FD-Islamic placement this afternoon at HLB. 4.15% (6 months) & 4.25% (12 months) for fresh fund only. Need to open a new Islamic Saving Account too. Thanks brader for the update..If not fresh fund, then need 5% of fund to be retained in S/A for 2-months. Alternatively was told by bank that 100% non-fresh fund can enjoy 4.1% (6 months) or 4.2% (12 months) without the need of 5% retention in S/A. now i am relief a bit... |
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Jul 21 2016, 10:11 AM
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#12
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(cherroy @ Jul 20 2016, 10:44 PM) Before 0.25% OPR cut, 12 month was 4.20%. When OPR upA 0.30% cut. Same with UOB Before OPR cut 4.25%. Now 3.95%. While so far for other banks that has announced BLR/BR cut one, most cut their lending rate around 0.20%. FD cut 0.3%, lending rate cut 0.2%....  Lending rate up 0.3 FD up 0.2 |
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Jul 21 2016, 02:03 PM
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#13
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(DiSaver @ Jul 21 2016, 01:45 PM) Yes at Jln Pinang branch will it be jam there? Parking hard to find? Or park inside the bank parking ?Thinking to go there, but i hate going to KL la.. especially nowadays everyday rain and flood.. Sighz.... confuse... right Heart say go for best rate.. left heart say dun make a big fuss and just gao dim for a little bit lesser |
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Jul 21 2016, 03:09 PM
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#14
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(DiSaver @ Jul 21 2016, 02:40 PM) Latest update: u no answer me parking? How to park my car ? Di mana ? Park in pavillion walk over ?Min RM50k Promo still on, not sure when will end Traffic update: to KFH - smooth From KFH - slow but moving Weather update: Cloudy update us after ur left heart & right heart come to conclusion ah LOL take train and walk from jalan raja chulan station? |
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Jul 21 2016, 04:10 PM
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#15
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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Left heart win today
Money rot in SA for 2 days now.... Going to rain ad.. good luck peeps working in KL.. kikiki.. Maybe i will go tasik selatan bank rakyat.. i think this is reasonable. 4.38% for 1 year.. Ok la.... but the no pidm is the thing freaking me.. haizhzz This post has been edited by Bonescythe: Jul 21 2016, 04:13 PM |
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Jul 21 2016, 10:06 PM
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#16
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(??!! @ Jul 21 2016, 06:56 PM) Wah...I called yesterday to KFH, they say promo no more liao..quota sudah capai. I think their branch don't want to do or no "quota" from HQ??? Err.. u mean cimb still got 6mth 4.2?So went to HL "renew" at 4.25% 12 months and CIMB 4.2% 6 months. BTW the HL one , at first say Islamic FD promo. When FD slip come out it's conventional FD . so tak payah open islamic save acct. Already have a conventional save acct I dun mind if 4.2 |
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Jul 22 2016, 09:37 AM
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#17
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(??!! @ Jul 22 2016, 12:54 AM) JB..one and only branch Yea.. But he say will need 1 to 2 days for approval.. so u also wait? 3 months also 4.2%. 12 months 4.15% supposed to be "special rate"...but i think everyone also can get .Just ask teller/manager to call HQ for approval. I think it's just procedure aje...always dapat approval. If he say like this, means the cert the branch no print first ? When approve only print, then need to come back and collect again ?? Zz |
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Jul 22 2016, 01:08 PM
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#18
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Senior Member
28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(??!! @ Jul 22 2016, 10:25 AM) Few scenario Boh luck...1) Sometimes, when manager is free, call immediately, on phone they get the approval straigrht away. 2) They say BZ..wait for 1-2 hours. Usually, I don't bother to wait, go do other stuff and take the FD slip later. If you don't want go 2 times, call them to get approval first , then only go to bank? 4.05% 3mth cimb 6 mths is 4% Lolz... why u so lucky one ? |
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Jul 22 2016, 01:16 PM
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#19
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(??!! @ Jul 22 2016, 01:13 PM) Need to find helpful bank officers/manager. They told me what u said end yday... wtfxxxI am 1 day late.. cost me a good meal on differences |
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Jul 22 2016, 01:25 PM
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#20
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28,187 posts Joined: Mar 2007 From: Underworld
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QUOTE(??!! @ Jul 22 2016, 01:19 PM) So the rate tarik already? Tarik kaw kaw ad. Initially tell me 3.9 somemore.*runs to try ASx* then after see see the size..... call to hq and get approval.. |
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