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 Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only

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wil-i-am
post Dec 2 2016, 04:01 PM

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QUOTE(harmonics3 @ Dec 1 2016, 10:20 PM)
online, just like previous e-GIA promo.
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I presume they won't display rate if placement is via online
wil-i-am
post Dec 2 2016, 04:05 PM

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Went to Maybank tis morning
The BM informed tat they have just re-open the promo 6 mths n 12 mths GIA-i n the response was encouraging
wil-i-am
post Dec 2 2016, 05:27 PM

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QUOTE(bbgoat @ Dec 2 2016, 05:22 PM)
Those that are receiving the interest please confirm if they are receiving the monthly interest as 3.6% or something in between 3.55% and 3.6% ? Someone reported getting less than 3.6% last week. Though another forummer said he received 3.6%.
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I will furnish update here as my placement was under joint name n I have choose to credit mthly dividend into her CASA
wil-i-am
post Dec 2 2016, 06:13 PM

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I presume Maybank have different settings in app n m2u for GIA-i hmm.gif
wil-i-am
post Dec 2 2016, 09:56 PM

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Drop by Affin Bank today to update my SA passbook
There is no new FD promo tis mth other than the existing promo (I have share earlier but w/o picture)
B4 left, managed to took a picture n 4 yo eyes ony


Attached thumbnail(s)
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wil-i-am
post Dec 3 2016, 08:04 AM

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QUOTE(mamamia @ Dec 2 2016, 11:42 PM)
Got a reply from MBB ytd stating my placement captured as normal GIA placement instead of the campaign GIA. They said they liasing with relevant department to check further.
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U need to check with them whether they can fixed tis problem once n for all
Otherwise, u need to call them every mth to rectify the same problem
wil-i-am
post Dec 3 2016, 01:04 PM

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My spouse just updated her SA passbook
Confirmed Maybank pay 1st mth int @ 3.60% (based on 366 days) for the 12 mths GIA-i campaign
wil-i-am
post Dec 3 2016, 05:04 PM

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QUOTE(mamamia @ Dec 3 2016, 03:27 PM)
May I know when is ur placement, MBB replied n said the 12 months quota is full during my placement, therefore I'm. It entitled for campaign rate..
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My placement was on 1st Nov as I have missed d boat in Oct 16
wil-i-am
post Dec 3 2016, 05:32 PM

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QUOTE(mamamia @ Dec 3 2016, 05:22 PM)
As I know the campaign start 16 Oct, I placed on 25 Oct online. Urs is 1 Nov OTC.. I've shoot a email to them based on their tnc.. hope they rectify it b4 I file a complaint to BNM.
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M not sure whether u can view your placement in m2u
If yes, it will show -> Interest rate : 3.6% i
If u placed mouse at i, it will display GIA 6 n GIA 12 campaign together with indicative int rate
wil-i-am
post Dec 3 2016, 05:51 PM

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QUOTE(mamamia @ Dec 3 2016, 05:48 PM)
I've checked, it shown as 3.55%
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Very strange
Did Maybank indicate when they will reply to u?
wil-i-am
post Dec 4 2016, 01:28 PM

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QUOTE(Darren @ Dec 4 2016, 12:36 PM)
hi
i would like to double check
is GIA fixed deposit is investment link?
mean depend on performance?
or is surely interest given as listed?

interested to put into GIA but once see the name "investment" then scare d
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Maybank GIA-i indirectly is similar to FD but w/o PIDM protection
If u choose mth to mth, u will surely get int but the rate will vary
However, if u choose current promo of 6 mths n 12 mths, u shud get rate as per their indication
http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts
wil-i-am
post Dec 4 2016, 06:42 PM

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QUOTE(heybai @ Dec 4 2016, 05:17 PM)
Just curious to know, I choose "add to principle" for monthly profit payment for GIA 12 months campaign, will I get compound interest for that?
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I nvr try b4 but answer shud b Yes
wil-i-am
post Dec 5 2016, 12:13 AM

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QUOTE(mamamia @ Dec 4 2016, 11:26 PM)
New quota means?

Old quota finished, that's y come with new quota?
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I presume Maybank impose quota on mthly basis during the promo period fr 16/10/16 to 15/2/17
The quota shud reset from zero starting fr beginning of d mth n close when achieve quota

This post has been edited by wil-i-am: Dec 5 2016, 12:32 AM
wil-i-am
post Dec 5 2016, 08:21 AM

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QUOTE(mamamia @ Dec 5 2016, 08:19 AM)
But they didn't state it in the tnc on quota calculated based on month..
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Yes, u r rite
Perhaps u can bring along the T&C to clarify with Maybank officer face-to-face
wil-i-am
post Dec 5 2016, 09:45 AM

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Just rec'd text msg from CIMB RM on Preferred FD rates:

Conventional
1 mth 3.35%
3 mth 4.05%
6 mth 3.65%
12 mth 3.60%

Islamic
1 mth 3.45%
3 mth 4.10%
6 mth 3.75%
12 mth 3.70%
wil-i-am
post Dec 5 2016, 10:17 AM

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QUOTE(kochin @ Dec 5 2016, 09:54 AM)
very strange rates indeed.
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U mean Islamic is higher than Conventional?
wil-i-am
post Dec 5 2016, 10:27 AM

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QUOTE(kochin @ Dec 5 2016, 10:24 AM)
i mean the 3 months offer a substantial higher rates than both shorter and longer terms.
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My gut feeling is they mobilize liquidity now in anticipation of mass withdrawal during CNY in Jan 17 hmm.gif
wil-i-am
post Dec 5 2016, 12:07 PM

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QUOTE(jack2 @ Dec 5 2016, 11:34 AM)
my affinBank FD was matured yesterday and the interest was 4.38% for 2 years.

It gets auto renewal with principal and interest was credited to my savings account. The rate given now is 3.75% and for another 2 years as well..
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Did u consider current promo of 2/4/6 mths + 15 mths which is more lucrative?
wil-i-am
post Dec 5 2016, 12:30 PM

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QUOTE(jack2 @ Dec 5 2016, 12:13 PM)
I saw UOB has 3.95% 12 months... thinking on this...
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Tis is not competitive if compared to Maybank 12 mths GIA-i @ 4.10%
wil-i-am
post Dec 5 2016, 02:54 PM

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QUOTE(jack2 @ Dec 5 2016, 12:44 PM)
4.1% is promotion rate?

Better don't compare this both two and GIA has no PIDM.
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Yes n PIDM is for mental comfort ony
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