定期存款讨论区（Part 1）

win20282002

回复  1setsuna1


    麻烦你给公司名字还有你个人联络名字
bigmac5 发表于 12-6-2011 01:16 PM

大大, 你剛才在以下的貼已和他交過手了.
[分享] 每年 6% 利息的 saving account
以上的樓中已有寫出保單來自ALLIXXZ, 聯絡資料就沒有放上來.

而以上的樓剛被版主封了.
現在這貼的內容和以上的一模一樣, 都是廣告貼, 我已按了報告.
他不止在一個貼內以相同內容發貼!

bigmac5

回复 203# win20282002


    奇怪为什么不敢放清楚的term and condition;理财公司（wealth planner），但是把保险当saving account, 现在的人是不是有病了。。。

win20282002

回复  win20282002


    奇怪为什么不敢放清楚的term and condition;理财公司（wealth planner），但是 ...
bigmac5 发表于 12-6-2011 02:23 PM

正因為發貼的人自己都不很清楚, 我們怎能要求他列出相關的細節呢?
又說是幫朋友忙, 也說對該介紹當中的部份事項又不是很清楚.

自己不清不楚卻向他人介紹這產品~~~~

Deztech

请问一下现在FD利息最高的是什么银行哦？有人知道吗？

jacsotong

请问一下现在FD利息最高的是什么银行哦？有人知道吗？
Deztech 发表于 12-6-2011 04:01 PM

明天翻看报纸（星洲或南洋）的经济特刊就一目了然了啦～

Lovebug

我觉得目前最高的还是EON BANK的促销率3.8%
条件是至少要放5万块，促销时间好像一个月后就没了。

汉王

大众的FD有时不会自动更新利率.
我有個每月renew的FD, 原本是2.75%, 升息后它还是2.75, 你不去complai ...
peterg 发表于 7-6-2011 09:17 AM

   奇怪，我的会自动更新哦有些是国行升息后，你定存还没到期，到期后自动更新。
你的就不懂，每月renew？是不是每月到期那种？那要查询银行的一月定存利息有没有改变才知道了

win20282002

我觉得目前最高的还是EON BANK的促销率3.8%
条件是至少要放5万块，促销时间好像一个月后就没了。
Lovebug 发表于 25-6-2011 11:41 AM

首先, 大大你只放這圖, 而且不完整.
請問你有看到圖中那"p.a."字眼後有一個"*"符號?
你知道是甚麼意思嗎?

This  fixed deposit rate is hot off the frying pan. So hurry, enjoy this limited time  offer now!              *Indicative rate for General Investment  Account-i.

Campaign ends 30 June 2011              Terms & Conditions apply              For any enquiries or assistance, please contact our 24-Hours Customer Service Hotline at 03-2616 1133

以上這幾段字就是在讓圖的下方註明的, 請詳細閱讀, 尤其是劃底線的"Terms & Conditions apply"

請看清楚以下的條款與條件(Terms & Conditions)再說. (促銷只到這6月30日截止)
就算放足一年, 也不可能拿到年利率3.8%

The following Terms & Conditions shall apply to EON Bank Berhad’s (“EBB”) and EONCAP Islamic BankBerhad’s (EIBB) “HOT RATES FD ACQUISITION CAMPAIGN” (“Campaign”)

1. This campaign will run from 1 June 2011 to 30 June  2011 (both dates inclusive). EON Bank Berhad and EONCAP Islamic Bank Berhad  (hereinafter referred to as “the Bank”) reserve the right to end or shorten or  extend the campaign period at anytime by providing the  Accountholders seven (7) days prior notice. Eligibility                 1. This  campaign is open to all Individual & Non-Individuals customers of the Bank, excluding staff, Government bodies, Government linked companies and Housing Developers account. 2. Non-individuals  is referred to as Sole- Proprietors, Partnerships, Societies, Associations and  Solicitors Client’s account. 3. This campaign shall comprise the account holders of either the  Conventional and/or General Investment account, whether such accounts being  offered by EON Bank now or in the future. 4. Applicants  must be aged 18 years and above. 5. Applicable  for NEW funds only, transfers from existing account is strictly prohibited to enjoy the campaign  rates. 6. Accountholders  who are employees of EON Bank Group whether on permanent or on a contractual  basis and their immediate family members are not eligible to participate in the campaign.                Minimum  Placement                 1. Individual - Ringgit Malaysia Fifty Thousand only  (RM50,000-00). 2. Non-Individuals - Ringgit Malaysia Hundred  Thousand only (RM100,000-00).                Maximum  Placement                 1. Individual - No cap. 2. Non-Individuals - Ringgit Malaysia Hundred  Million  only  (RM100,000,000-00) in aggregate for this campaign.                The  Campaign                 1. The campaign is applicable for placement of Fixed  Deposits for tenure of 4 & 12 months only, to be chosen by applicant. 2. The interest payable on the Fixed Deposits shall be as  follows: -                                                      a)  Conventional                                           Tenure Campaign Rate 4 month 3.38% p.a. 12 month First 6 months @ 3.20% p.a.                             Subsequent 6 months @ 3.80% p.a.                      b) Islamic Tenure New Campaign Rate Profit Sharing Ratio 4 month 3.40% 65 : 35 12 month First 6 months @ 3.20% p.a.                           Subsequent 6 months @ 3.83% p.a. 57 : 43                           60 : 40 3. This campaign is applicable to Normal Fixed Deposit,  V50 Fixed Deposit and General Investment Account only. 4. Interest must be credited into a CASA account. 5. Fixed Deposits/GIA that are pledged under loan  facilities/provided as lien to the Bank are not eligible to participate in this  campaign. 6. Fixed Deposit/GIA will be automatically renewed at  prevailing board rate upon maturity. 7. All premature upliftment conditions are based on  Association of Banks in Malaysia (ABM) guidelines and must be adhered to.                Other Terms and Conditions 1. The Bank reserves the absolute right at any time, by  providing the Accountholders seven (7) days prior notice, without assigning any  reasons to add, alter, modify, change or vary the terms and conditions contain  herein, wholly or in part at its absolute discretion. 2. The Bank reserves the absolute rights at any time, by  providing the Accountholders seven (7) days prior notice without assigning any  reasons whatsoever to cancel, terminate, discontinue or suspend indefinitely  the Campaign. For the avoidance of any doubt, cancellation, termination or  suspension or discontinuation of the Campaign by the Bank shall not entitle the  Accountholders to any claim or compensation against the Bank and its group of  companies, its directors, employees or agents for any losses or damages  suffered or incurred by the Accountholders whether as a direct or indirect  result of the act of cancellation, termination, suspension or discontinuance of  the Campaign. 3. Accountholders of the Campaign shall be personally  liable for all taxes, rates, government fees or any other charges that may be  levied against them under the applicable laws, if any, in relation to the  Campaign. 4. Accountholders shall agree and authorize the  Bank to disclose any information about or with regard to Accountholders affairs  and/or banking accounts (including Accountholders future banking accounts) with  the Bank to any person(s)/company(ies) which are or which in future may be,  within the Bank's subsidiaries, parent companies, related companies and  associate companies, and such person(s)/company(ies) shall also be entitled to  make such disclosure amongst themselves. The Bank shall take reasonable care to  ensure that such information shall remain confidential within the Bank and its  group of companies. However, the Accountholder has an option to “opt out”  from the disclosure relating to marketing, advertising, promotional,  cross-selling and publicity purposes at any time by notifying the Bank to that  effect in writing. 5. These terms and conditions shall prevail over  any provisions or representations contained in any promotional materials  (including but without limitation to brochures, leaflets or flyers) advertising  this Campaign. 6. All the existing terms and conditions for the fixed  deposit accounts shall continue to apply and shall prevail over the terms and  conditions of the Campaign. 7. The terms and conditions of the Campaign shall be  governed by the Laws of Malaysia and subject to the exclusive jurisdiction of  the Malaysian Courts.

資料來源:http://www.eonbank.com.my/personal_banking/promotions/hot_rate/tnc_eng.shtml

這種銀行呈現定存利率的手法, 這銀行已不是第一間這麼做的. 之前很多間銀行推出的定存利率也採相同手法. 消費者很多都第一印象如大大你一樣, 利率如廣告所述的高. 這廣告並沒有欺騙成份, 因為廣告內容並沒有明確寫明是放一年定存就一定享有整年3.8%年利. 是我們消費者一廂情緣以為, 而且懶惰去詳細閱讀它在下方列明的條件與條款.

Lovebug

上一回的另一个promotion 3.7%还好没这样，存18个月的。terms and condition还是要看清楚哟！！谢谢解释咯

win20282002

上一回的另一个promotion 3.7%还好没这样，存18个月的。terms and condition还是要看清楚哟！！谢谢解释咯
Lovebug 发表于 26-6-2011 12:39 PM

只要留意每項促銷的所有細節, 自然會有更大層面的了解.
這有助於日後在被誘人廣告吸引之前, 清楚知道這類產品的真正性質所在.
這類廣告從來都不會把所有要求與條件赤裸裸地公開於所有消費者面前, 玩得就是一種揚"好"抑"劣"的手法.

mypromise

这里有没有人放bank rakyat - Warga Emas Investment Account-i??

http://www.bankrakyat.com.my/web/guest/127

汉王

这里有没有人放bank rakyat - Warga Emas Investment Account-i??
mypromise 发表于 28-6-2011 12:01 PM

   这里很多老人吗？

mypromise

这里很多老人吗？
汉王 发表于 28-6-2011 08:35 PM

   就算是年轻人也有年老的家人吧　

中秋端午

这里有没有人放bank rakyat - Warga Emas Investment Account-i??
mypromise 发表于 28-6-2011 12:01 PM

    这个是投资的还是定存？

中秋端午

http://www.affinbank.com.my/rates/ratesfd.htm

现在应该是这个定存最高吧！还有更高的吗？wef是什么？

Period	Counter w.e.f                         12/05/2011                           (% p.a.)	Corporation & Foreigner w.e.f 12/05/2011 (% p.a.)
1                         month	3.05	3.05
2                         month	3.05	3.05
3                         month	3.10	3.10
4                         month	3.10	3.10
5                         month	3.10	3.10
6                         month	3.25	3.25
7                         month	3.25	3.25
8                         month	3.25	3.25
9                         month	3.35	3.35
10                         month	3.35	3.35
11                         month	3.35	3.35
12                         month	3.60	3.60
**Above                         12 month	N.A	Refer to MM dealer

                                                  

**Please                 call dealers at 03-2055 1668 / 03 2034 1500 for special rate.

mypromise

这个是投资的还是定存？
中秋端午 发表于 2-7-2011 04:58 PM

   定存, warga emas的
我213楼的link

中秋端午

这个是有风险的是吗？

	InterestPlus Fixed Deposit Rates
	Effective Date:                         21 June 2010
	Tenue Rates Per Annum 1 month 33.73% 3 months 12.91% 6 months 7.81% 9 months 6.09% 12 months 5.61%
	*Rates are subject to change

                                                

	MegaFD Enhanced Fixed Deposit Rates
	Effective Date:                         20 May 2010
	Tenue Rates Per Annum 15 months 4.90% 24 months 4.05% 36 months 3.80%
	*Rates are subject to change

中秋端午

定存, warga emas的
我213楼的link
mypromise 发表于 2-7-2011 05:10 PM

    100% 0 风险？有PIDM保证吗？

mypromise

100% 0 风险？有PIDM保证吗？
中秋端午 发表于 2-7-2011 05:39 PM

它的回复
Dear xxx,

Please be informed that all depositors at Bank Rakyat include Saving account-i and Qiradh General Investment account-i will be protected by Malaysia government under Ministry of Finance.

Regards,
Sulaiman Bin Daud
Customer Service Consultant
Tele-Rakyat
Tel: 1-300-88-12265
Fax: 03-21179001      
E-mail:   telerakyat@bankrakyat.com.my

mypromise

http://www.bankrakyat.com.my/web/guest/127

bank rakyat的warga emas定存利息，看来没人够它高了吧？

Period of Investment (month)	Returns (%)
1	0.00
3	3.60
6	3.65
9	3.75
12	3.80
15	3.85
18	3.90
24	3.96
36	4.01
48	4.11
60	4.21
> 60	4.21