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Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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kenny79
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Mar 14 2018, 11:40 AM
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QUOTE(sandkoh @ Mar 14 2018, 11:24 AM) hello sir, of course. all being sama sama condition, i want free money. if got to bayar petrol and lost time, who wants? free money rm20, even rm10, want!  Are u assuming u can't benefit those time to earning extra money .My all matural fd will ask the branch manager to renew for me later will send to my shop...I think for those to e in waste in bank I'm manage to get more extra cash for it
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kenny79
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Mar 14 2018, 11:55 AM
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QUOTE(sandkoh @ Mar 14 2018, 11:50 AM) hello sir, depends on condition. if want to go to ambank and can dapat 0.02% more, why not? 2 banks in same location, one 4.38%, another 4.4%, want free money? if mau drive 10km to get 0.02%, who wants? we talk free money sir.  If u are talking about a fund of million and above sure u can saw the extra. But with fund of lower that mea. Really means nothing.. .. not to hurt anyone.. just I believe for those time your may benefit with other thing then Kira sangat pasal rm10 o 20..
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kenny79
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Mar 14 2018, 12:16 PM
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QUOTE(sandkoh @ Mar 14 2018, 12:00 PM) sir  you still did not get my point. if going to 2 banks same place, if can get 0.02% free money, want? extra time, petrol, sure don't want.  Then did u mind to let me know how big is your fund.?.. 1m and above or below 50k...
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kenny79
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Mar 14 2018, 01:03 PM
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QUOTE(sandkoh @ Mar 14 2018, 12:46 PM) The main point is the time you spend to argue to 0.02% .. better spend time to earn more la... Even a million extra more 200... U should able to earn more..
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kenny79
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Mar 16 2018, 09:49 PM
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QUOTE(mamamia @ Mar 16 2018, 08:49 PM) My mum goes to Ambank PD branch just offer 4.35% for 12 months n with minimum 50k placement.. luckily I read the forum here.. n ask the manager only they offer 4.4%.. so they r trying to “hide” n give lower rate to customer who dunno about current promo.. I think they don't hide sometime they don't know.. if u don't request they also don't call to HQ request for approval.
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kenny79
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Mar 16 2018, 10:09 PM
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QUOTE(mamamia @ Mar 16 2018, 09:57 PM) They didn’t even call HQ.. when my mum ask, only they say ok to give 4.4%.. mean they already get info from HQ.. just that they don want to tell New fund is subject to approval.. there ain't guarantee will be get it if the fund use is small.u may ask if manage to get it's ok .
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kenny79
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Mar 17 2018, 12:49 PM
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QUOTE(DrNinja @ Mar 17 2018, 06:59 AM) Bundle with it fd promotion is quit a bad deal if you don't interest to do investment..
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kenny79
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Mar 21 2018, 04:16 PM
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QUOTE(mrhseinpingq @ Mar 20 2018, 11:42 PM) How to consider fresh fund? Can I transfer my 25k to another bank in counter (no charges). and then next day, transfer back to RHB as fresh fund? Cheque they charged me RM 5.60 Ibg will have a tiny charges also.. if 7 wan save just used check few dolar fast also.. if u dare rm250000 just cash out and carry to other bank .. in case rm25000 really not so much don't worry. I been cash out 100k from rhb to Ocbc
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kenny79
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Mar 22 2018, 04:38 PM
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QUOTE(StarPrimo @ Mar 22 2018, 01:49 PM) Mind sharing which Ambank branch able to give 4.4% without any top-up/fresh fund ? Thanks. But us strike on the gold interest and the China on the based loan interest... Any idea which and what will happen to Asia and world market
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kenny79
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Mar 31 2018, 04:34 PM
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QUOTE(Deal Hunter @ Mar 29 2018, 06:48 PM) Already mentioned in my first post on 27 March as quarterly payment of interest. Present recorded FD survey reference entry for those who know how to use such condensed info. Bank Islam promo. Term Deposit-i Tawarruq (TDT-i) GO 7%. p3m24, Q step (3.8+3.9+4.2+4.5+4.55+4.6+4.65+7)/8=4.65%. 50k-xk, 080218-300618. 290318-xd. Bank Islam avg 4=.65% pa is really attractive any tnc applied.?
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kenny79
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Apr 11 2018, 06:26 PM
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QUOTE(alwjmonster @ Apr 11 2018, 04:04 PM) which branch AMbank u visit? i just called ambank kajang, they told me the rate 4.0% for 6month and 4.2% for 12month The 4.4% is presit.double confirm already better ask rm or branch manager since this maybe need approvals.step back from Ambank For 4.4% at 50k
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kenny79
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Apr 12 2018, 12:49 PM
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QUOTE(themanf2003 @ Apr 12 2018, 11:47 AM) which ambank branch in penang can give 12 months 4.4% ? im just back from ambank ... 4.4% u really need to request them told them evry branch already in 4.4% y should i acept 4.35
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kenny79
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Apr 16 2018, 09:23 AM
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The most higher is the bank Islam with effective rate 4.65% rm50k with two year plus bank rakyat with same condition
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kenny79
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Apr 16 2018, 10:35 AM
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QUOTE(JL_Wesly @ Apr 16 2018, 10:24 AM) Currently the product from banking industry is many choices... i was introduce by many bank about the Fixed deposit, invest program, loan and a lot of funds... My first thought is what they are going to do with my money.. haha Effective rate mean pa.per annual...Mean 4.65% pa two year is 9.3%
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kenny79
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Apr 16 2018, 11:59 PM
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QUOTE(BoomChaCha @ Apr 16 2018, 11:55 PM) Bro, Am bank 4.4% for 1 year VS Bank Islam 4.65% for 2 years Which one is better?  Some told the fed and malaysia bank will increase the br again .. so that mean possibly of the fd rate will raise is high.. but for now the rate 4.65% still is the best to go... please remember this offer Requir rm50k while Ambank rm10k
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kenny79
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Apr 17 2018, 06:42 AM
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QUOTE(BoomChaCha @ Apr 16 2018, 11:55 PM) Bro, Am bank 4.4% for 1 year VS Bank Islam 4.65% for 2 years Which one is better? Last time you mentioned bring cash to bank has the risk of getting fake note.. Good to remind us.. Thanks  Pls be note the bank Islam paid interest quarterly..so the effective rate can be more then 4.65% if u know how to used the extra money back to the Ambank interest paid when mature if u not a 50 year old folks
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kenny79
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Apr 18 2018, 08:49 AM
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QUOTE(tevis31 @ Apr 18 2018, 08:07 AM) Managed to placed FD @ 4.4% at AMBank in Penang yesterday. Yes, the FD cert is printed on a plain paper. Open a non-fees saving account for the interest payment purpose, they charged RM12.72 one time for the Debit card though. Still manage to 4.4% it’s good for this week
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kenny79
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Apr 20 2018, 10:22 PM
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QUOTE(cybpsych @ Apr 20 2018, 09:13 PM) HLB: Revision of Interest Rates for Conventional Fixed Deposits and Current / Savings AccountDear Valued Customers, With effect from 23 April 2018, the interest rates on the below accounts will be revised... https://www.hlb.com.my/en/personal-banking/...l-fd-ca-sa.html**note: long list** It's normal board rate.. if got promotion rate should higher .. mostly like now the Islam bank 4.65% effective rate for 2 yet.. br also but required more the. 50 or 100k for two year also..Ambank is still 4.4% for 12month
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kenny79
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Apr 23 2018, 11:12 AM
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QUOTE(#Victor @ Apr 23 2018, 11:00 AM)  The branch I went was AmBank @ PJ New Town, all the tellers said no such promo despite I multiple confirm with them, they don't feel like entertain me if I don't have 100k  Nvm, already done it with other bank despite slightly lower rate. Should be 10k minimum for 4.4%.but if have really flow cash can do the 2 year bank Islamic... The Hong Leong is 4.35% but with tnc with extra 5% of total amount of fd need to lock in the casa account.100k fd need extra 5k in casa for six month so the efftive rate should 4.17% something..
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kenny79
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Apr 23 2018, 01:40 PM
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QUOTE(#Victor @ Apr 23 2018, 11:39 AM) Nowadays need to open CASA if want to play FD for all banks right? Already placed at UOB for 4.28% since already have CASA with them. Ermm should almost since the higher rate fd are Requir the fd interest credit to casa...
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