thanks for this HLB headsup

I wonder if senior FD account need to open one of these other "harvest" account or not


I hope Kochin wish come true also

After hoping for about 2 years, finally can hear BFM radio talking about US rate hike nearly every morning

Yellen also said 5 days ago that raising rates over time is appropriate

What should I do? Got maturity tomorrow. How many points do you think they'll bump it? How will our BNM and comm banks react? Maybe i'll just roll into the HLB 4.3% 6 mths deal. Any other shorter term options?

hahaha thx man. I am now on the line with their CS rep. who say must maintain min 1000 in the SA that pays 0.1%pa hahahaha. they so blur & unsure ler. Now waiting for their mgr to confirm T&C

If lock up 1000 in stupid SA, then the 4.3% not worth it ler.

Did you go for it?

EDIT... wait just a second there. maybe worth it wor because monthly interest. and if take pbb 6+6 4.1% for frist 6 mths, the breakeven is 20.5K of principal

This post has been edited by okuribito: Jun 2 2016, 04:57 PM

hahaha if u hv good relationship with the branch, maybe can lah. me ... never gonna bank with them anymore ler. thx for the 4.5%. sayonara scb

hmmmmmmm then say bye bye to those lost days lah.

but good to hear also becos same here. i think they have an amazing talent/ability to make customers loathe them

aiseh, that sounds bad! what they do to you? no need full details la but the gist of it?

isn't there a minimum balance requirement?

the lying & deception sounds familiar. did you get monthly interest on the 15 month fd?

there are 2 6mth alternatives...
1) PBB - 4.1% ...Princ 20.5k
2) HLB - 4.3% ...Princ 19.5k + 1K in SA

calculate interest earned in PBB & HLB. Breakeven is the point where interest earned in both alternatives are the same.

No need to split hairs for 0.1% HLB SA and monthly interest ... that one only for the geeks

Haha 4.3% for old geezers only

deleted... double post

This post has been edited by okuribito: Jun 3 2016, 11:13 PM

OK update FYI...

No need lock up 1000... can just open a Harvest SA with min. 200 & thereafter min bal 10.

Need to put in 1000 & lock up for 4 mths IF wanna get a crummy bath towel ... Summore U r actually paying about 13+ in lost interest for this towel


Ps... Hong leong staff damn nice syt n all wear mini skirt one LOL

This post has been edited by okuribito: Jun 3 2016, 11:32 AM

the GIA still got that special deal from 1 year ago??

thanks man ... i certainly missed out a lot hahahaha but it's all good lah. I just moved to HLB 4.3 % for 6 mths just so i got flexibility if bnm & or local banks decide to offer higher rates after yellen does her thing in 2 weeks. I'm thinking also if rates do go up, i'll just not rollover some pbb 6+6s ie pull out after the 1st 6 lah

see how & keep fingers crossed

can explain what that means in layman language?

please? TQIA

Thanks for the link. dun hv that much la & all locked up already

boss, this one you terminated out of the blue , is it? that is to say not on any maturity date or monthly interest payment date? How about principal? Principal returned intact 100%? I thought they say got some daily manager's price?

baghero .... now they say unlikely to raise rates this week

http://www.bbc.com/news/business-36518085

http://www.nytimes.com/2016/06/07/business...rates.html?_r=0

well. hope they do it in sept

agreed. damn good deal ok , i will follow your footsteps

I noticed interest credited for the 4.5% GIA from last October's offer was short from Jan2016 onwards.

When I asked the officer she said because this year leap year - so use 366 days as a base. If you do the math, straightaway, you'll know that interest will be less than if use 365 days as a base for per annum.

I believe they have now gone back to 365 days & that's why you're all getting that small credit in your accounts. I haven't checked mine yet. I guess/hope I'll be same. But for kacang puteh like me no point getting all fussed to argue with them lah. Especially now that I think they realise their mistake

Yeah I saw y'all post about them not adjusting 7th mth onwards so I went to check lor. But shit, the diff was few sen, so I did not crunch the numbers in fine detail. Lemme check again. But one thing lar.... the discrepancy DID NOT happen only for the crossover mth iirc. Anyhow, will check with microscope again . TQ

OK boss bbgoat, I checked mine already. For my case lar, dunno about urs, I was given 4.5% in May based on 366 days on the dot ie calculations to the dot.

For Jan 2016, I got 4%. But the base was using both 365 days and 366 days because I placed the deposit on 25th of the month ie 6 days for 26/12/2015 to 31/12 on 365 days base and 1/1/2016 to 25/1/2016 on 366 days base. The calculation was out by 1 sen only this time.

Up to you lar. If you happy, then Else, you can check calculations like I did.

Then again, different branch may work differently... heaven knows how Maybank actually work. Also I haven't checked if they gave me any credit in June

btw, your 15 for 31 days in may at 0.5% interest diff tells me that your principal is about 35big ones, right? If correct, then your branch actually did not change to 4.5% in 7th month. Mine did. Which tells me that is driven by branch

If you want, can PM me your start date, principal and what u actually got credited for Jan 2016 & I can do the calculations for you