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Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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bbgoat
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 Mar 27 2017, 10:02 AM
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QUOTE(chrisoth80 @ Mar 27 2017, 09:57 AM) You must be very happy now as you may have find a new home for your upcoming matured fd frm br. Not a bad idea to place in mbb gia to earn some interest since mbb allow us to place multiple fpx in a day Not really because of the Tuesday date. Transferring from some bank to MBB and then doing FPX can be a headache for big sums.  Have been putting some backup sum (small amt) in MBB to earn some interests. Would still prefer 12 mth tenure at same or higher rate. Though the monthly interest of HL is attractive. |
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bbgoat
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Mar 27 2017, 11:31 AM
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QUOTE(SIWIS @ Mar 27 2017, 11:10 AM) max amount for FPX only 30k. HLB online only Tuesday special. Unless MBB has changed the rules, through MBB can do multiple 30k FPX xfer in one day. |
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bbgoat
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Mar 28 2017, 08:39 AM
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QUOTE(okuribito @ Mar 27 2017, 10:16 PM) They also changed their policy on premature withdrawals. Not as friendly as before . In line with market practice now. Ya, they have done that about 1 or 2 years ago. Before that we still get interest even we terminate FD within 3 mths period. |
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bbgoat
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Mar 29 2017, 05:39 PM
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In BR to withdraw FD. Have nego before. They do not have FD promo currently. So nego for 1 year from 3.7% board rate to 3.9%. For 2 yr can offer nego of 4.1%. 5 yrs 4.5%. Up to March month end only. April offer not known yet. I think BR 5 yrs 4.5% can consider better than AmBank 4.35%. Anyway moved to CIMB at 4.2% 12 mth. This is only for CIMB Preferred customer. For normal customer, CIMB FD promo 12 mth 4.1% for conventional and 4.05% for Islamic FD. 
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bbgoat
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Mar 29 2017, 06:01 PM
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QUOTE(msa9696 @ Mar 29 2017, 05:58 PM) You withdraw your 4.15% from CIMB and redeposit for 4.2%? Haha, u still remember that 4.15% ? Surprised that CIMB has been changing their offers. Just 14/3 placed for that 4.15% FD. No point to withdraw as lose the interest. Still keeping it safe with CIMB ! This post has been edited by bbgoat: Mar 29 2017, 06:02 PM |
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bbgoat
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Mar 29 2017, 08:28 PM
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QUOTE(5p3ak @ Mar 29 2017, 07:46 PM) BR 5 years 4.5% need how big of a sum? I did not ask but was offered that rate with my matured FD. Would think should be >100k. Nego with BR and see, may be it is lower ! |
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bbgoat
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Mar 29 2017, 08:40 PM
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QUOTE(5p3ak @ Mar 29 2017, 08:31 PM) Thanks for your reply, kinda interested for that 5 years, no need to think too much  how about "asking too much ................".  BR wise seems to change policy from time to time. Diff branch seems to operate differently. From not giving BC to giving then now not giving BC. Today has to do Rentas to xfer out the dough. This post has been edited by bbgoat: Mar 29 2017, 08:42 PM |
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bbgoat
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Mar 30 2017, 12:57 PM
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QUOTE(lamode @ Mar 30 2017, 12:51 PM) For CIMB FD placed from branch, anyone manage to do both principle and interest credit to account upon maturity?  I was told the principle is set to auto-renew by default, it can't be changed. anyhow, managed to place a conventional FD at 4.2% for 12 mth without being preferred customer at Jalan Sarjana, Cheras branch. The min for this rate is 100k.  Yesterday I was asked if I want to auto renew principal and interest together. But since I want to keep the sweet round figure so I opted for interest to SA and principal auto renew. For CIMB Preferred, the minimum amt for the 12 mth 4.2% is 10k only. |
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bbgoat
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Mar 30 2017, 05:41 PM
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QUOTE(mushigen @ Mar 30 2017, 04:42 PM) It seems like the requirement for PBB is not standard across the board. For example, proof of residence to open savings account in a state where the state is different from your IC. One branch simply requires you to produce a TNB/TM bill which does not need to be in your name, whereas another requires the bill to be in your name. Some branch are very strict in definition of fresh fund, whereas another allows you to get a new FD cert if you top up 10% of face value (example: you can use the fund from the RM10k FD cert you just uplifted provided you top up RM1k to get a new RM11k FD cert). For PBB, they will ask for 10% top up. But I have encountered before just top up few hundred will do, then get renewed FD to current promo rate. |
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bbgoat
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Mar 30 2017, 07:59 PM
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QUOTE(lowdensity @ Mar 30 2017, 07:00 PM) usually, did you ask service counter or the customer service for the exception? Thanks Just the counter staff. They will ask u if u want to renew. QUOTE(mushigen @ Mar 30 2017, 07:11 PM) The PBb Sunway teller didn't give me this option after i uplifted 3 matured promo FD certs. Told me must trf out the money for don't know how many days b4 it is considered fresh fund. This sum now sits in my MBB Gia account. Bank branches SOP differs quite often.  |
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bbgoat
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Mar 31 2017, 11:09 AM
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QUOTE(GloryKnight @ Mar 31 2017, 11:05 AM) hey brogoat, which cimb branch is this though? How can we get it - preferred? I thought 100k to get that. Not CIMB branch related. If u are their Preferred customer, then min 10k will do. 100k is what the other forummer said for non Preferred customer. But I think need to depends on the branch concerned. |
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bbgoat
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Apr 1 2017, 07:53 PM
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QUOTE(raptar_eric @ Apr 1 2017, 02:16 PM) Did you not read before you ask here? It's an April Fool joke. Please read more info first, it's clearly stated in his post I saw that around 10am before I went out. Was shocked initially by the 14 mth rate. But then was thinking cannot be, something wrong somewhere ! I am also looking for April FD offers. Monday will have hard time to decide as have to check for offers and terminating FD and transferring dough here and there ! This post has been edited by bbgoat: Apr 1 2017, 07:55 PM |
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bbgoat
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Apr 2 2017, 05:12 PM
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Quote from https://genxgenygenz.com/fixed-deposit/""Hong Leong Bank 4% Fixed Deposit Promo for April 2017. Please visit here again on 3rd April where I will share with you Hong Leong Bank Latest Revised FD Promo for 3rd April until 30 April 2017 where you can earn up to 4.05% interest rate for 12 months and if you are a Senior or Priority Banking Customers, you may be entitled to 4.30%!!! This is not a joke."" If the HL 4.3% for their PB is true, that will be even better than the Tuesday 4.15% eFD. Hope it is not another joke ! Gonna check out tomorrow. Anyone heard about this ?  |
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bbgoat
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Apr 3 2017, 09:27 AM
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QUOTE(bbgoat @ Apr 2 2017, 05:12 PM) Quote from https://genxgenygenz.com/fixed-deposit/""Hong Leong Bank 4% Fixed Deposit Promo for April 2017. Please visit here again on 3rd April where I will share with you Hong Leong Bank Latest Revised FD Promo for 3rd April until 30 April 2017 where you can earn up to 4.05% interest rate for 12 months and if you are a Senior or Priority Banking Customers, you may be entitled to 4.30%!!! This is not a joke."" If the HL 4.3% for their PB is true, that will be even better than the Tuesday 4.15% eFD. Hope it is not another joke ! Gonna check out tomorrow. Anyone heard about this ? Called to HL branch, seems no such 4.3% FD promo. The GenX page has also taken the above statement down. People complaining in their Facebook ! This post has been edited by bbgoat: Apr 3 2017, 09:50 AM |
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bbgoat
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Apr 3 2017, 12:40 PM
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HL no such 4.3% fd as I said earlier
This is reply to earlier post of one forummer
This post has been edited by bbgoat: Apr 3 2017, 12:42 PM
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bbgoat
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Apr 3 2017, 12:48 PM
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QUOTE(Cookie101 @ Apr 3 2017, 12:19 PM) Yes-1 (need Islamic account FYI) ,2,3 Not sure -4 No-5 : it's 9 months for 4.05% p.a. / 4.15% Tuesday; interest on maturity for eFd / 6 months 4% over counter placement. I thought eFd of HL interest can choose to get monthly. Unless this one is different. |
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bbgoat
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Apr 3 2017, 02:21 PM
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QUOTE(drew86 @ Apr 3 2017, 02:08 PM) Yes, HLB eFD can get interest added to principal monthly Should be interest to CASA. |
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bbgoat
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Apr 3 2017, 02:34 PM
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Affin can give 4.2% fd 2 yrs duration, 400k. Need HQ approval. Talk to them if interested.
Of course CIMB for their Preferred customer 4.2% min 10k still better.
This post has been edited by bbgoat: Apr 3 2017, 02:35 PM
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bbgoat
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Apr 3 2017, 06:24 PM
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QUOTE(tryifelsecatch @ Apr 3 2017, 05:09 PM) well, it seems like the CIMB 4.3% was a mistake. so, have to disregard that for now. HL 4.3% is NOT true, not CIMB. CIMB 4.2% for their Preferred customer or nego with large sum (one forummer reported that last week for non Preferred customer). I got the CIMB 4.2% deal last week. Have shown the cert also. This post has been edited by bbgoat: Apr 3 2017, 06:25 PM |
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bbgoat
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Apr 3 2017, 06:37 PM
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QUOTE(#Victor @ Apr 3 2017, 06:27 PM) UOB has special promo with up to 5.10% for FD bundled (new funds) or 5.00% for existing funds when you enquire with their personal banker.  FD bundled with UT ? |
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