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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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propertymart
post Apr 11 2017, 12:59 PM

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Any bank can pledge FD for housing loan example ? 50k for can 100k loan?
Or 100k for 200k or 300k++ loan? If future I save up to 500k, can pledge n buy shop a? 35yrs?Like pledge 500k, get, 1.5mil commercial loan? (Shop lot)Or 1mil get a 3mil loan? Ask only for own knowledge biggrin.gif prepare umbrella dulu , takut hujan laugh.gif

This post has been edited by propertymart: Apr 11 2017, 01:01 PM
McFD2R
post Apr 11 2017, 01:58 PM

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QUOTE(Pain4UrsinZ @ Apr 11 2017, 10:23 AM)
the interest credit into principal monthly or only after 9 months ?i mean any chance for compounding interest ?
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Credit to savings account monthly. I chose not to renew upon maturity. No compounding interest of course.
bm_kia
post Apr 11 2017, 03:41 PM

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For the HLB eFD, since the interest is credited on monthly basis, anyone ever try to uplift the eFD right after the interest is credited before maturity? In this case, is there a penalty where HLB actually deduct the interest paid?
drbone
post Apr 11 2017, 04:44 PM

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QUOTE(bm_kia @ Apr 11 2017, 03:41 PM)
For the HLB eFD, since the interest is credited on monthly basis, anyone ever try to uplift the eFD right after the interest is credited before maturity? In this case, is there a penalty where HLB actually deduct the interest paid?
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Yes they will deduct from the amount you initially put in. The system will auto calculate.
bbgoat
post Apr 11 2017, 05:26 PM

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QUOTE(okuribito @ Apr 11 2017, 11:54 AM)
PBB limit to 30k per day sad.gif ... got balance sitting in s/a,  can fpx transfer to HLB tomorrow  for 9m 4.05%,right? Any other better deal?  Dun wanna wait 1week smile.gif

BTW when it comes  to maturity of this Tuesday special,  what are HLB's max (1) daily limit and (2) transaction limit for online transfer eg fpx,  ibg,  ibft ?
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CIMB normal customer 12 mth 4.1%, for their Preferred customer, 4.2%.

HL max xfer limits is 50k/day. For me I would have to go to bank to do IBFT to xfer out on maturity ! biggrin.gif


Anic
post Apr 11 2017, 07:19 PM

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QUOTE(okuribito @ Apr 11 2017, 11:54 AM)
PBB limit to 30k per day sad.gif ... got balance sitting in s/a,  can fpx transfer to HLB tomorrow  for 9m 4.05%,right? Any other better deal?  Dun wanna wait 1week smile.gif

BTW when it comes  to maturity of this Tuesday special,  what are HLB's max (1) daily limit and (2) transaction limit for online transfer eg fpx,  ibg,  ibft ?
*
PBB has a different limit for FPX and interbank transfer limit (cap by third party transfer). You can set it to max of 20K, then do inter bank transfer to another bank such as MBB and do FPX from MBB. MBB allows multiple FPX of max 30K.
Bonescythe
post Apr 11 2017, 09:42 PM

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QUOTE(propertymart @ Apr 11 2017, 12:59 PM)
Any bank can pledge FD for housing loan example ? 50k for can 100k loan?
Or 100k for 200k or 300k++ loan? If future I save up to 500k, can pledge n buy shop a? 35yrs?Like pledge 500k, get, 1.5mil commercial loan? (Shop lot)Or 1mil get a 3mil loan? Ask only for own knowledge  biggrin.gif prepare umbrella dulu , takut hujan  laugh.gif
*
i know this is slightly off topic.

But FD pledge for housing loan will be 1 to 1 basis

Pledge 500k, get 500k loan max..
propertymart
post Apr 11 2017, 10:02 PM

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notworthy.gif ,hi tq for reply , will I still get FD interest? If I pledge

This post has been edited by propertymart: Apr 11 2017, 10:03 PM
propertymart
post Apr 11 2017, 10:03 PM

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QUOTE(Bonescythe @ Apr 11 2017, 09:42 PM)
i know this  is slightly off topic.

But FD pledge for housing loan will be 1 to 1 basis

Pledge 500k, get 500k loan max..
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Tq rclxms.gif
Bonescythe
post Apr 11 2017, 11:01 PM

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QUOTE(propertymart @ Apr 11 2017, 10:02 PM)
» Click to show Spoiler - click again to hide... «

notworthy.gif ,hi tq for reply , will I still get FD interest? If I pledge
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FD u will get board rates.. no promotional rates allow..

So will be probably 3% or 3.25% depends on bank

For housing loan, 4.5%

So u sendiri do the maths

FD cannot take out until loan settle.
chinkw1
post Apr 12 2017, 01:06 PM

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QUOTE(McFD2R @ Apr 11 2017, 09:16 AM)
Is FPX from Maybank any different from other banks? I have done multiple FPX within a day, all from Maybank. Even though my transfer limit is RM30k, FPX allows for multiple within the same day. Only IBT or IBG has limit per day.[attachmentid=8720379]
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I also intend to open HLB eFD by FPX transfer from MBB. I turn away because I thought the FPX transfer from MBB has a daily limit.

So its confirmed that the FPX transfer from MBB has no limit ya ?
bbgoat
post Apr 12 2017, 01:38 PM

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QUOTE(chinkw1 @ Apr 12 2017, 01:06 PM)
I also intend to open HLB eFD by FPX transfer from MBB. I turn away because I thought the FPX transfer from MBB has a daily limit.

So its confirmed that the FPX transfer from MBB has no limit ya ?
*
Up to last week Tuesday still true. U can do multiple FPX from MBB to HL to place the eFD. Each time max 30k. MBB seems to be the only bank that allowed multiple FPX xfer with no daily limits ( tongue.gif up to what u want to xfer devil.gif ). biggrin.gif

This post has been edited by bbgoat: Apr 12 2017, 01:38 PM
drbone
post Apr 12 2017, 02:04 PM

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QUOTE(chinkw1 @ Apr 12 2017, 01:06 PM)
I also intend to open HLB eFD by FPX transfer from MBB. I turn away because I thought the FPX transfer from MBB has a daily limit.

So its confirmed that the FPX transfer from MBB has no limit ya ?
*
Yup that's true for now.
TOMEI-R
post Apr 12 2017, 06:46 PM

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QUOTE(Bonescythe @ Apr 11 2017, 09:42 PM)
i know this  is slightly off topic.

But FD pledge for housing loan will be 1 to 1 basis

Pledge 500k, get 500k loan max..
*
Can be done for car loans. But can it be done for housing loans as well?
chinkw1
post Apr 12 2017, 08:09 PM

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QUOTE(bbgoat @ Apr 12 2017, 01:38 PM)
Up to last week Tuesday still true. U can do multiple FPX from MBB to HL to place the eFD. Each time max 30k. MBB seems to be the only bank that allowed multiple FPX xfer with no daily limits ( tongue.gif up to what u want to xfer  devil.gif ).  biggrin.gif
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@bbgoat,
Thank you very much for your kind confirmation. Appreciate it very much..smile.gif

Btw, for this HLB eFD placement:
a) How is the interest being paid? Monthly debit into our saving ac?
b) On maturity (9 months later), the principle will debit into our saving ac? Or it will auto renew at board rate?
SIWIS
post Apr 12 2017, 08:19 PM

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Do I need to report LHDN regarding fixed deposit interest earned using company fund as personal or company income? Sole proprietor company.
annoymous1234
post Apr 12 2017, 09:50 PM

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The HLB online fixed deposit after 30 april no more 4.1% on every tuesday is it??
nbi
post Apr 13 2017, 03:47 AM

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could be another step up FD offer? up to 4.5%.


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bbgoat
post Apr 13 2017, 08:46 AM

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QUOTE(chinkw1 @ Apr 12 2017, 08:09 PM)
@bbgoat,
Thank you very much for your kind confirmation. Appreciate it very much..smile.gif

Btw, for this HLB eFD placement:
a) How is the interest being paid? Monthly debit into our saving ac?
b) On maturity (9 months later), the principle will debit into our saving ac? Or it will auto renew at board rate?
*
U need to change the word "debit" to "credit".

During placement, there are choice for monthly interest or interest paid on maturity. On maturity, u can choose not to renew if u want. So during placement time, choose carefully the options presented. biggrin.gif

In fact, all my placement I choose monthly interest and no renewal. No renewal is to plan to hunt for next FD promo. thumbup.gif

This post has been edited by bbgoat: Apr 13 2017, 08:55 AM
Deal Hunter
post Apr 13 2017, 09:35 AM

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QUOTE(nbi @ Apr 13 2017, 03:47 AM)
could be another step up FD offer? up to 4.5%.
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This is Bank Muamalat offer of 4.5% for company.
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