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Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only
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nexona88
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Oct 9 2016, 11:33 AM
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QUOTE(lowya @ Oct 8 2016, 08:02 AM) Quick question: can "RHB Bank Sales Centre" with operating hour 10.00a.m. - 10.00p.m. (Mon - Sun), able to perform FD operation during weekends? Edit: FD cannot do on weekends, sucks. RHB Customer service sucks. Really weird.. Should be available..
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nexona88
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Oct 9 2016, 11:45 AM
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QUOTE(lowya @ Oct 9 2016, 11:43 AM) they sucks not because of FD can't do on weekend banking, last year inside bank ask them question, they dare to tell you to use phone to call hq instead for answer, i mean what are they paid for there? Call hotline and get transferred here and there and no answer given. Walk off furiously after make withdrawal. Told myself that was the last time doing business with them. This year thought maybe improved, so call their hotline to ask general question, they cannot reply, so transfer to other branch and no one answer, do that few times gave up. RHB really not up the banking standard, in both their HR and CS policy. This time give me 4% also i better choose HLB or other banks instead. Really speechless  Branch staff should know the info.. Wtf needed to call hotline for info
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nexona88
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Oct 10 2016, 11:56 AM
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QUOTE(deadravel @ Oct 10 2016, 11:31 AM) Not bad. Temporary parking place
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nexona88
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Oct 12 2016, 04:44 PM
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QUOTE(harmonics3 @ Oct 12 2016, 12:54 PM) longer tenure lower rates, does that mean CIMB expects the OPR to go lower? yup. most expect OPR to go lower in next BNM meeting
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nexona88
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Oct 14 2016, 02:42 PM
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QUOTE(lowya @ Oct 14 2016, 01:41 PM) IF withdraw say 10k at counter, and deposit 11k FD, would it consider as fresh fund? yup. because u add 1k extra.. so consider as fresh fund
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nexona88
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Oct 14 2016, 04:14 PM
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QUOTE(lowya @ Oct 14 2016, 04:09 PM) ok, if extra RM10 still fresh fund yes? don't be like that lor.. add more.. don't be such cheapskate main thing is the amount u withdraw & deposit back is not the same. one loophole I learned
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nexona88
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Oct 14 2016, 11:16 PM
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so which one is true?
4.1% or 4.5%?
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nexona88
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Oct 15 2016, 12:08 PM
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QUOTE(bbgoat @ Oct 15 2016, 08:10 AM) Got a lot of people fooled.  Including me.. Got confused a bit
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nexona88
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Oct 16 2016, 03:53 PM
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QUOTE(lowya @ Oct 15 2016, 06:01 PM) is the 4.1% GIA real and valid? yeah. real deal. no worries
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nexona88
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Oct 16 2016, 03:55 PM
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QUOTE(lowya @ Oct 16 2016, 09:49 AM) what about unknown source of income which declared as donation? hahah I know what u did there.. it's your choice what u want to write. later only think if BNM or LHDN come knocking your doors
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nexona88
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Oct 16 2016, 10:52 PM
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QUOTE(dark_elvin @ Oct 16 2016, 09:33 PM) I have a question for the Maybank GIA promo "The offered profit rates for the campaign may be revised should there be an Overnight Policy Rate (OPR) revision by Central Bank of Malaysia, in view of the assets repricing following the OPR revision." I saw statement above, is it mean that if BNM revises the OPR, the interest may different ? 4.1% may no more ? Yes. Its not fixed.. I expecting to change next month after bnm meeting
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nexona88
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Oct 16 2016, 11:01 PM
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QUOTE(MAC-tronome @ Oct 16 2016, 03:06 PM) not sure if this is same as the normal GIA-i where early withdrawal still get the 3.6%? Better confirm with maybank as T&C didn't state clearly..
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nexona88
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Oct 16 2016, 11:11 PM
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QUOTE(heavensea @ Oct 16 2016, 11:08 PM) Thanks sir, miss the good old times of 4.0%  Gonna be even lower after bnm meeting next month
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nexona88
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Oct 17 2016, 11:17 AM
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QUOTE(LostAndFound @ Oct 17 2016, 10:15 AM) I can confirm that one-day placement of >10k (12 months) under the new GIA promo will still get interest (3.6%). Placed one yesterday and withdrew today. Have not tried for <10k, shouldn't be any difference except you won't get the step-up in later months? Now gonna have to split my GIA amount to 2, one to keep 12 months and one to roll when got bills coming... Good to know.. Got place to park some bullets This post has been edited by nexona88: Oct 17 2016, 11:18 AM
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nexona88
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Oct 17 2016, 11:25 AM
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QUOTE(bbgoat @ Oct 17 2016, 09:40 AM) Good old times of 1 yr 4.5%, as "near" as in July, 3 mths ago !  Those who took up the offer really lucky  Now we can only dream of getting such rate
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nexona88
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Oct 17 2016, 03:07 PM
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QUOTE(heavensea @ Oct 17 2016, 02:11 PM) so high? Normal parking 1 mth also can get 4.5? @@ That time fd promo must be higher. Promo FD. 1year one by affin bank..
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nexona88
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Oct 17 2016, 06:28 PM
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QUOTE(MAC-tronome @ Oct 17 2016, 03:49 PM) anyone can confirm if it can be place online like the normal way? Initially i was thinking just place normally ..just that have to choose duration 12 months to enjoy the step up campaign.. Yes. It can be done online
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nexona88
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Oct 20 2016, 12:19 PM
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QUOTE(Kamen Rider @ Oct 20 2016, 11:29 AM) mmm.... capital not guarantee, then my question to those who have ventured to this, please share your experience whether you have encountered before on your capital shrinking ... Capital won't shrink leh.. Its more like maybank failed to pay back your capital (not likely to happen unless banks gone bankrupt)
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nexona88
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Oct 20 2016, 12:49 PM
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QUOTE(bbgoat @ Oct 20 2016, 12:45 PM) 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
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nexona88
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Oct 20 2016, 06:47 PM
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QUOTE(LostAndFound @ Oct 20 2016, 11:44 AM) I already confirmed earlier that pro-rated 3.6% applies for the new promo e-GIA.... still got people discussing? Well I guess some of us missed your post.. Anyhow thanks for confirmation
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