From experience, interest option is only credited monthly regardless of your tenure, either to casa or add to principal, that's for normal e-GIA, not sure about the promo version, anyone can share?

Capital will only not be guarantee if the bank collapse, which is highly unlikely, some more is Maybank (just speculation)

The thing is the interest rate will fluctuate (there are quite some rate deduction upon OPR cut), so far the most they deduct is 0.25% at one time (only once)

The previous GIA promo, the interest rate is lock in even after OPR cut, the rate for that is attractive , not sure for this promo

again, if GIA capital defaulted, it means maybank bankrupt. Luckily u can withdraw prematurely with interest.

I already confirmed earlier that pro-rated 3.6% applies for the new promo e-GIA.... still got people discussing?

Capital won't shrink leh..
Its more like maybank failed to pay back your capital (not likely to happen unless banks gone bankrupt)

As it is an investment portfolio, another possible scenario is may get less principal return instead of nothing. So not necessary related to total breakdown of bank. So could be 0.99X ?

Well that could happen too

Quick question on the MBB Islamic FD (interest paid up front) - deposited @ 4% then auto renewed @ 3.4% :

1. Is original FD cert still needed to uplift?
2. What happens if leave it few days too late - as will auto renew and interest credited into account?

I have place fd with UOB today at 4% for 12m. Alliance also have 4% for 12m with min placement of 50k

May i know you placed FD via counter or via online?

Wonder why not via HL bank online Got 4% also... btw i am not supporting any thing, just thinking via online save time and just a few clicks only.

Wat is the criteria(s) for UOB?

I think it depend on individual branch because I ask rm to get approval from hq for higher rate than their ongoing promo on certain amount

Thanks for your confirmation

Well I guess some of us missed your post..
Anyhow thanks for confirmation

unker goat said alliance can get 4.1% bagi 1m. tat is for pipu with 1 cert 1 mil one. mr lxx & others.

How to know whether this 4.1% is still available ?

Call up or go to Alliance Bank branch and talk to officer or BM on this 4.1% deal. Remember it has to be a large amt.

This post has been edited by bbgoat: Oct 20 2016, 08:36 PM

I place over the counter and choose uob over hlb because the max limit for fpx is 30k rite? I do not want to go through the hassle to make multiple transaction

For now , looks like for a large amount , 4.1% is the largest rate. Luckily managed to park some in Affin for the 4.5% promo months back. Will call alliance tomorrow to find out about the 4.1%!

Bank Muamalat Malaysia Berhad FIXED TERM ACCOUNT-i (FTA-i) CAMPAIGN : “WANG BESAR! 4”

07th October 2016 until 06th January 2017

7.1 WB! 4-Duo offers the Customers the attractive profit rates for both of their deposits in FTA-i and
CA/SA as high as at 4.05% p.a. Minimum deposit is RM10,000 which requires placements in
both FTA-i and CA/SA at 50:50 ratio (i.e. FTA-i RM5,000, CA/SA RM5,000).

T&C http://www.muamalat.com.my/downloads/Wang_...r_4_English.pdf



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br fd promo flyer 1 Oktober 2016 sehingga 31 Oktober 2016

3 Bulan 3.6% min 500

12 bulan 3.95%

T&C https://s3-ap-southeast-1.amazonaws.com/ban...16+10102016.pdf

This post has been edited by poor man: Oct 21 2016, 01:23 AM


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