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

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mrhseinpingq
post Feb 1 2018, 04:28 PM

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QUOTE(acougan @ Feb 1 2018, 03:03 PM)
Open day promo is minimum rm100k per fd. Mini-ikanbilis no need go, haha.
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Sorry, i cannot find back the link for this promotion.
any idea?

cherroy
post Feb 1 2018, 04:35 PM

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QUOTE(mrhseinpingq @ Feb 1 2018, 04:08 PM)
Can i do a transfer to others bank using FPX since no charges?
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No.
FPX is a payment gateway system.
In FPX, the money is actually transferred from your ac to a "merchant", not for yourself or any ordinary bank account.

In the e-fd FPX mechanism, the money is transferred to HL bank from your other bank account, or in other word, the bank "sell" you a e-FD, and you paid for it using your other bank account via FPX.

It is different compared to IBF, IBFT or Rentas
mrhseinpingq
post Feb 1 2018, 04:38 PM

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QUOTE(cherroy @ Feb 1 2018, 04:35 PM)
No.
FPX is a payment gateway system.
In FPX, the money is actually transferred from your ac to a "merchant", not for yourself or any ordinary bank account.

In the e-fd FPX mechanism, the money is transferred to HL bank from your other bank account, or in other word, the bank "sell" you a e-FD, and you paid for it using your other bank account via FPX.

It is different compared to IBF, IBFT or Rentas
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Thank you. I am curious, how come FPX merchant did not charge us?
bbgoat
post Feb 1 2018, 04:52 PM

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QUOTE(Cookie101 @ Feb 1 2018, 04:26 PM)
yes and no?

FPX Only works for HLB e-FD.

Other bank's one are straight forward withdrawal from their own bank account.

yes- eFD rate differs from OTC Rates. Check which branch you wanted to go and what is the rate being offered.

AmB / HLB Offering 4.35% for 12m OTC
UOB 4.3% 12m
MBB 4.3% 15m
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For below:
AmB / HLB Offering 4.35% for 12m OTC

For big cookies only, >100k ? hmm.gif brows.gif


acougan
post Feb 1 2018, 04:54 PM

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http://www.paynet.my/fpx/security-availability.html

This post has been edited by acougan: Feb 1 2018, 04:58 PM
Cookie101
post Feb 1 2018, 05:27 PM

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QUOTE(bbgoat @ Feb 1 2018, 04:52 PM)
For below:
AmB / HLB Offering 4.35% for 12m OTC

For big cookies only, >100k ?  hmm.gif  brows.gif
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AmB need 50k only...
bbgoat
post Feb 1 2018, 05:29 PM

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QUOTE(Cookie101 @ Feb 1 2018, 05:27 PM)
AmB need 50k only...
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HL started this when ? This week ? hmm.gif
Cookie101
post Feb 1 2018, 05:50 PM

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QUOTE(bbgoat @ Feb 1 2018, 05:29 PM)
HL started this when ? This week ?  hmm.gif
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flashed the little piece of C/O that I withdraw from scb and wanted to place at amb...
then the BM at Damansara was like why not with us since you already here. We have good rates and can beat the rest too cause I told upright AmB is offering 4.35%

I just wanted to ask for some red packets here.. icon_idea.gif

need to be a bit cheapskate haha! Didn't ask when but I mention my friend def interested on this and will come tomorrow, is that ok. Straight yes.

Havent got time to do much shopping lately so need go bank ask fastest
bbgoat
post Feb 1 2018, 05:58 PM

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QUOTE(Cookie101 @ Feb 1 2018, 05:50 PM)
flashed the little piece of C/O that I withdraw from scb and wanted to place at amb...
then the BM at Damansara was like why not with us since you already here. We have good rates and can beat the rest too cause I told upright AmB is offering 4.35%

I just wanted to ask for some red packets here..  icon_idea.gif

need to be a bit cheapskate haha! Didn't ask when but I mention my friend def interested on this and will come tomorrow, is that ok. Straight yes.

Havent got time to do much shopping lately so need go bank ask fastest
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Last week was in HL twice. Thursday the day OPR increased also. Did not hear of the 4.35%. So I guess they may have raised it this week. But probably for large sum only. For BIG cookies ! notworthy.gif notworthy.gif
savvyaunty
post Feb 1 2018, 06:01 PM

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QUOTE(acougan @ Feb 1 2018, 03:03 PM)
Open day promo is minimum rm100k per fd. Mini-ikanbilis no need go, haha.
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Wah really? My parents only wanted to place 10k and they keep encouraging to come on open day. Maybe afraid their open day nobody go
acougan
post Feb 1 2018, 06:05 PM

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https://www.hlb.com.my/en/personal-banking/...open-house.html

Actually i just read tnc. I am not a regular hlb customer.
blank_slate
post Feb 1 2018, 06:30 PM

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Just placed my fd at HLB but thinking whether should I withdraw my earlier placement with HLB (which one will mature on March and one is matured few months later with 4.0 interest rate). Any thoughts on this?
okuribito
post Feb 1 2018, 07:01 PM

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think about the interest you WON'T get if you withdraw before maturity. Then you will know what to do LOL

mrhseinpingq
post Feb 2 2018, 12:13 AM

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QUOTE(acougan @ Feb 1 2018, 03:03 PM)
Open day promo is minimum rm100k per fd. Mini-ikanbilis no need go, haha.
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Sorry, did you mean HLB CNY Open House promotion?
It didnt say need min 100k per fd.
did i read wrongly?

https://www.hlb.com.my/en/personal-banking/...open-house.html

https://www.hlb.com.my/en/personal-banking/...ons/cny-fd.html


tarc2000
post Feb 2 2018, 10:09 AM

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Now in Ambank Bagan Ajam, Penang.

Minimum RM50,000.00 = 4.3% p.a for 12 months OTC
Less than RM50,000.00 = 4.0% p.a for 12 months OTC

Minimum Deposit: RM 10,000.00

Attached Image


I'm checking with AmBank Branch Manager, they never have 4.35% p.a. for 12 months ?!! bruce.gif bruce.gif rclxub.gif Someone post incorrectly?

This post has been edited by tarc2000: Feb 2 2018, 11:36 AM
blank_slate
post Feb 2 2018, 10:41 AM

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QUOTE(okuribito @ Feb 1 2018, 07:01 PM)
think about the interest you WON'T get if you withdraw before maturity. Then you will know what to do LOL
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ah, forgot to add on to my earlier question. How about if my FD credited to savings account monthly? They will deduct accordingly?
lumhbk
post Feb 2 2018, 11:02 AM

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HLB - For normal Fd renewal after maturity date, they offered 4.2% only..Just placed mine while ago
steven1107
post Feb 2 2018, 12:17 PM

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I plan to put hlb efd..seem like not bad the rate
lowdensity
post Feb 2 2018, 01:44 PM

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QUOTE(blank_slate @ Feb 1 2018, 06:30 PM)
Just placed my fd at HLB but thinking whether should I withdraw my earlier placement with HLB (which one will mature on March and one is matured few months later with 4.0 interest rate). Any thoughts on this?
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QUOTE(okuribito @ Feb 1 2018, 07:01 PM)
think about the interest you WON'T get if you withdraw before maturity. Then you will know what to do LOL
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if holding Islamic FD HLB, as long as more than 3 months then the bank will calculate the interest but not sure the detail calculation.
HP Computer
post Feb 2 2018, 02:16 PM

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HL online FD 4.38% 18 months, 8 months 4.28%, 3 months 4.18%

min rm 800, max 30k per placement

good deal ^^

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