Hi, I also got a call from the branch, the officer said the tenure will follow the remaining period, can extend only up to the nearest term in their system. In your examples, the extension is almost 6 months, Can we extend so long?

Also, I am quite hesitate to convert the FD as the officer said my FD is under the Product called Exclusive 5, as we are getting half-yearly interest, when we uplift the existing FD, the principal will be deducted with the interest already paid to us. Wow, that is really not fair that if the principal is deducted, then the future interest will also shrink?

Is this true that they will deduct our principal amount? So it will take 1 day to convert and we will miss 1 day interest for all conversion?

Have you already converted? Pls share your experience.

Felt confusing and Appreciate for your info.

Is your amount more than RM500k? can get this rate for lower amount? like 100k?

This post has been edited by siawyent: Oct 4 2017, 02:27 PM

With my 100k, don't know can get 4.3% or not. I need indication so that can negotiate with Mbsb or bank. What do you think? with 100k, what is the highest rate you may negotiate?

I scared if I asked for 4.3% they will think that u only RM100k also want to bargain so much, looks so greedy!

My FD maturing next week is in Mbsb, that's why I hope they can give better rates, so that I don't have the hassle to move around.

and for the Hong Leong eFD, it needs to do with the FPX, right? if withdraw from Mbsb cannot do Fpx, can only use cheque, not viable also.

This post has been edited by siawyent: Oct 5 2017, 05:23 PM

Yes, I received the email on the Survey too. emm, good point, I also felt quite troublesome on that.

My FD is maturing next Thursday, hope this offer will extend.

Called Mbsb, and Mbsb said will ask for approval, hopefully will have good news.

haha, 4.3%, but the branch officer sounds quite hesitating with this rate...

The Hong Leong FD have to be done online via FPX only?

No reply yet, I called, they said waiting for response from Hq, maybe next week. They said they are very busy recently.

You called the branch before maturity or u just walk in on maturity date to ask for the rate?

I felt that my branch here is quite inefficient, always need to take very long time to process for little things!

4.25% is quite good already, why reject? got better rate elsewhere?

I called this morning, but the officer is attending other customer. Left message for her to call me back. Really inefficient!

yours last time 4.25% is quite good already, why reject? u know they can give 4.3% or u got better rate elsewhere?

[quote=bbgoat,Oct 9 2017, 01:46 PM]
I called this morning, but the officer is attending other customer. Left message for her to call me back. Really inefficient!

yours last time 4.25% is quite good already, why reject? u know they can give 4.3% or u got better rate elsewhere?

[/quote]

Wa, persistent question !

Was planning for other investment, like the 0.3 figure than 0.25. Anyway, it is up to each individual to consider if an offer is good enough for the dough.

[/quote]

I'm thinking whether to take if they just offer 4.2-4.25%, so need the expert advice bah!

I thought it was a trick to bargain a better rate at first!

This post has been edited by siawyent: Oct 9 2017, 02:11 PM

Well, Mbsb just called me, they can only give 4.2% and interest at maturity. So, I said I am thinking to switch. They said if need higher rate, they can give me 4.35% for 5 years, monthly interest. is it a good deal?

but the tenure quite long, interest rate going to increase, right?


Did you place for 5 years before? how much is the rate given?

You have to ask the Pbb officer to link your FD to your online banking when placing FD in order to view it online.

I have SA with Pbb, and linked the FD to the SA online banking, so that can view it online. Not sure can view the FD without the SA or not.

Is the Ambank 4.2% 1 year so on?

any better deal for 1 year FD?

Any t & c for this? interest at maturity? Need to put 10% in CASA?

So the offer 15M-4.38%, 18M-4.48%, 24M -4.58% , with CASA terms, are not available anymore?

Actually every bank should know this product, this is a requirement by Bank Negara. They are just trying to cheat those customers there is no such account.

What is the the best FD rate for early December? I have some maturing and looking for a good deal.