Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only
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 Sep 4 2016, 07:48 PM
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#1
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur   
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QUOTE(cappuccino vs latte @ Sep 4 2016, 04:35 PM) You can amend the interests crediting mode immediate after the placement. I always did this way although it is a bit hassle as need to request TAC again. You sure can be done for GIA? Try first   |
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Nov 2 2016, 05:40 PM
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#2
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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just withdrawn my 3.9% GIA, and placed the 12m 4.1% GIA...
despite being non-PIDM, the good thing is that we can actually have the monthly interest credited into the principal amount, thus getting abit more interest, compared to some other banks like HLB, which must have the monthly interest credited into our CASA automatically.... have been thinking bout PIDM/non-PIDM products for quite some time.... if anything were to happen, and MBB were to close down, what makes you think the agency will have sufficient funds to cover every single customer eventhough there is PIDM covered, and what are the odds that MBB will go kapoot... the gomen will have more to worry than us if MBB were to go kapoot so ya, decided to just place GIA instead  This post has been edited by raptar_eric: Nov 2 2016, 05:41 PM |
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Nov 3 2016, 11:12 PM
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#3
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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QUOTE(sandkoh @ Nov 3 2016, 10:34 PM) downside is maybank could change the gia-i rate bila opr drops. it is not an fd. but for the last round when OPR drops, those that took the 12 mths promo still get the rate as per advertised.... |
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Nov 25 2016, 03:57 PM
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#4
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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QUOTE(mamamia @ Nov 25 2016, 03:42 PM) Yeah, I understand the calculation for normal eGIA placement... but, i didn't know even the Campaign eGIA is follow normal calculation.. if it is not "guarantee" for 4.1%, what is the point they launch this campaign? i believe once you have placed at that point of time, they will honour the rate... unless you uplift and place again, then the new rate will come into effect... |
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Dec 8 2016, 05:40 PM
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#5
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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Latest update for HLB 4.15%... next tuesday is thr final day of placement for the promo. HLB is reaching the targetted amount. Can see their fb for the update
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Dec 13 2016, 10:48 AM
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#6
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Senior Member
1,367 posts Joined: Jan 2006 From: Kuala Lumpur
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QUOTE(bbgoat @ Dec 9 2016, 02:54 PM) I think the monthly interest portion was not clear to the depositor during placement. Or maybe we missed out in the T n C. Some of my relative also thinking it is interest pay out on maturity, same as me. i chose interest add on to principle.. but abit confusing to me as well... to me, if it's like MBB GIA, then i can have the interest to obtain the promo rate as well added to the initial deposit.... however, TnC says that interest will be paid monthly... guess gotta wait for first month to see how it goes..If it is interest pay out on maturity then which option we choose will not have any effect at the moment. anyway, just opened a HLB savings acc and dumped some of my funds into the HLB promo.. last day guys, those who want to place better be fast! UPDATE: i just checked with HLB, if we choose credit to principle, the interest will only be credited upon maturity.. not monthly into the FD account lol This post has been edited by raptar_eric: Dec 13 2016, 10:54 AM |
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