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

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spreeeee
post Mar 28 2017, 03:26 PM

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sorry, not sure if this the right thread to land, basically just want to fullfill the m2u challenge level 4, struggle on one of the requirement - efixed deposit.

which is the easiet efixed deposit and use most least amount to choose?

basically once deposited, want to withdraw back asap.
spreeeee
post Jul 18 2017, 03:45 PM

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question, FD is joint name (two names), what would happen (touch wood) if one of the name passed away..
spreeeee
post Aug 8 2018, 05:50 PM

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if i deposited 5k for 7mths, how much total profits i will gain?

e-FD / e-CMDi Tenure
7 months 4.10% p.a.

https://www.rhbgroup.com/438/index.html?utm...20More%20Button

also, what is the difference between non-islamic and islamic in terms of profits earning?

https://www.rhbgroup.com/~/media/files/mala...rhb-now/pdf/G07

This post has been edited by spreeeee: Aug 8 2018, 05:54 PM
spreeeee
post Aug 9 2018, 09:25 AM

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QUOTE(cute_boboi @ Aug 8 2018, 09:28 PM)
Rough count will be:
7/12 months x 4.10% x 5k
= RM119.58 +/- depending on the number of days in the 7 calendar months.

Simply put, for layman like us who just aim for % , there is no difference.
Harder put  mega_shok.gif  islamic banking cannot use the term "interest" , hence they treat it as commodity and return you the "profit"
icon_rolleyes.gif
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so the profits considered good?

so islamic or no, there is no hidden charges or consequences/difficulties when come to withdrawal?
spreeeee
post Aug 9 2018, 09:52 AM

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QUOTE(Wong Kit yew @ Aug 9 2018, 09:48 AM)
Profit is considered quite good for the short term period. Actually Islamic or conventional is the same, just the name only. Both of them do not impose any charges for matured withdrawal.
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ok cool.. thanks.. likely to take this
spreeeee
post Jan 12 2024, 11:19 AM

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hi all.. good day.. i'm trying do online for new fd placement in hlbb portal

i have existing fd which still active..

why there is a need to select and link to existing fd, for this new placement?




Attached thumbnail(s)
Attached Image Attached Image
spreeeee
post Jan 12 2024, 11:50 AM

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QUOTE(ericlaiys @ Jan 12 2024, 11:24 AM)
u need to select account of your FD. like mine i got 2, so i can select to which acc
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but i wan a fresh new fd account.. not linking to existing one.. possible?
spreeeee
post Jan 12 2024, 12:09 PM

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QUOTE(cybpsych @ Jan 12 2024, 12:08 PM)
FD account not same as FD placement/cert

FD account is just a "parent" account that stores all your individual fd placements

iinm, only 1 account per type, eg 1 fd account for conventional, 1 fd account for islamic, another for TIA
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so it will be a new placement.. not add $ into existing fd ya?
spreeeee
post Jan 12 2024, 12:43 PM

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QUOTE(cybpsych @ Jan 12 2024, 12:15 PM)
yep, separate placement = separate receipt/cert

example from my HLB TIA "account"

user posted image
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thanks for this!
8mth promo 3.9% now.. thumbup.gif
spreeeee
post Jan 12 2024, 05:21 PM

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QUOTE(ericlaiys @ Jan 12 2024, 01:15 PM)
next week or next 2 week going to release cny fd. why u put so fast?
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100% better than 3.9% then i wait tongue.gif
spreeeee
post Feb 3 2025, 11:17 AM

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first of all, please report/remove this post if inappropriate.

why this mahjong set could worth RM1760?
- if RM88,000 put into FD for 3%/p.a. for 8mths

and if cannot fulfil 8mths, then penalty RM2,888!
- better put into FD? easily now cny promo can get 3.8%
- or self buy the mahjong set from any 3rd party seller?


Link:
https://www.hlb.com.my/en/personal-banking/...-promo-hk-cny25

TnC:
https://www.hlb.com.my/content/dam/hlb/my/d...ny-2025-tnc.pdf


What is the real catch here?

spreeeee
post Feb 3 2025, 11:24 AM

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QUOTE(Medufsaid @ Feb 3 2025, 11:21 AM)
price as quoted by Hong Leong Bank. u try to sell second hand might not even get back 40%

same like teh tarik RM10 @ hotel shangrila but outside mamak only RM2.50
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the pain part is the penalty..
spreeeee
post Feb 3 2025, 11:50 AM

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QUOTE(pysh @ Feb 3 2025, 11:45 AM)
URL inaccessible
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url still valid

QUOTE(victorian @ Feb 3 2025, 11:46 AM)
the price is not even anywhere in the tnc.

TS simply assume its worth 1760 just because he is comparing it with FD @3%.

TS needs to understand that this is a saving account and the interest is almost negligible.
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i think once u apply the campaign, bank will release out the gift, and u need to stay for 8mth, else HEAVY penalty charged.. looks like bank trying to earn from the penalty? just my guess..
spreeeee
post Feb 3 2025, 11:58 AM

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QUOTE(victorian @ Feb 3 2025, 11:57 AM)
if you are so paranoid, why join the campaign?

no one is forcing you to take the free gift right.

plus, banks incur cost for the hello kitty set.

what do you expect them to do? let people uplift their cash once they receive their free gift?
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i want the gift, but not the penalty.. the penalty not make sense biggrin.gif
spreeeee
post Feb 3 2025, 01:33 PM

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QUOTE(victorian @ Feb 3 2025, 01:00 PM)
why doesn't make sense? they shipped out the gift to you and if you uplift earlier you will have to pay back.

any reason for you to think that you will be incurring the penalty? if you can't fulfill the 8 months then don't join the campaign at all.
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maybe bring down the penalty fee to similar/lower to the gift set, then make more sense biggrin.gif

 

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