|
发表于 8-11-2013 10:48 PM
|
显示全部楼层
Vitech 发表于 8-11-2013 10:11 AM ![](static/image/common/back.gif)
定存 5% pa 的我還沒看過.
HLB 有給 JUNIOR FD 到 4.50%pa, 我看過最高的.
1990-1997之间,好像都超过7%![](static/image/smiley/default/titter.gif)
|
|
|
|
|
|
|
|
发表于 10-11-2013 12:44 AM
|
显示全部楼层
Vitech 发表于 8-11-2013 10:11 AM ![](static/image/common/back.gif)
定存 5% pa 的我還沒看過.
HLB 有給 JUNIOR FD 到 4.50%pa, 我看過最高的.
4.5%要什么条件吗? |
|
|
|
|
|
|
|
发表于 12-11-2013 10:13 AM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 12-11-2013 11:17 AM
|
显示全部楼层
winnie0822 发表于 12-11-2013 10:13 AM ![](static/image/common/back.gif)
请问哪一个比较划算?好像都要放saving但没得算interst。
HLB 6-month Fixed Deposit Step Up Rates wit ...
Case 1: 12-Month Fixed Deposit Step Up Rates with Current or Savings Account Promotion
Case 2: HLB 6-month Fixed Deposit Step Up Rates with Current or Savings Account Promotion
我算了Case 1你会拿到3.33%/年 (假如你放RM10,000: RM9500 (FD) + RM500 (Current Saving))
Case 2你会拿到3.16%/年。【(假如你放RM10,000: RM9400 (FD) + RM600 (Current Saving))首6个月】 + 【(RM9,556.17 + RM600 (FD) )之后6个月】
|
|
|
|
|
|
|
|
发表于 12-11-2013 02:32 PM
|
显示全部楼层
有点疑问 ,我算得跟你有点不一样,我是用FD 10k + saving
interest 是每月加进去再乘interest的吗?还是base on basic 10k?
HLB FD Promotion
本帖最后由 winnie0822 于 12-11-2013 02:36 PM 编辑
|
|
|
|
|
|
|
|
发表于 12-11-2013 05:07 PM
|
显示全部楼层
Case 1:
RM10,000: RM9,500 (FD) + RM500 (Saving Account) 5% of FD Placement Amount (RM10,000*0.05)
Saving Acc 我没有算interest 因为几乎零。
1st month: RM9,500.00 + RM9,500.00*0.031/12 = RM9,524.54
2nd month: RM9,524.54 + RM9,524.54*0.031/12 = RM9,549.15
3rd month: RM9,549.15 + RM9,549.15*0.032/12 = RM9,574.61
4th month: RM9,574.61 + RM9,574.61*0.032/12 = RM9,600.14
5th month: RM9,600.14 + RM9,600.14*0.032/12 = RM9,625.74
6th month: RM9,625.74 + RM9,625.74*0.035/12 = RM9,653.82
7th month: RM9,653.82 + RM9,653.82*0.035/12 = RM9,681.98
8th month: RM9,681.98 + RM9,681.98*0.035/12 = RM9,710.22
9th month: RM9,710.22 + RM9,710.22*0.035/12 = RM9,738.54
10 month: RM9,738.54 + RM9,738.54*0.038/12 = RM9,769.38
11 month: RM9,769.38 + RM9,769.38*0.038/12 = RM9,800.32
12 month: RM9,800.32 + RM9,800.32*0.038/12 = RM9,831.35
利息:RM9,831.35 - RM9,500 = RM331.35
%: RM331.35/RM10,000 = 3.31% (利息除以RM10,000而不是除以RM9,500)
|
|
|
|
|
|
|
|
发表于 12-11-2013 05:19 PM
|
显示全部楼层
winnie0822 发表于 12-11-2013 02:32 PM ![](static/image/common/back.gif)
有点疑问,我算得跟你有点不一样,我是用FD 10k + saving
interest 是每月加进去再乘interest的吗?还是b ...
我的算法错了, 应该是以Basic来算, 所以是3.26%/pa.
|
|
|
|
|
|
|
|
发表于 20-11-2013 09:14 PM
|
显示全部楼层
放BANK RAKYAT 4.01% (PIDM 没保证,但我认为没问题。) |
|
|
|
|
|
|
|
发表于 3-12-2013 06:55 PM
来自手机
|
显示全部楼层
定存到期,如果要提出来而不要拿现金,还有什么方式吗?谢谢大家。 |
|
|
|
|
|
|
|
发表于 4-12-2013 03:55 PM
|
显示全部楼层
定存未到期,利息怎算? let say fd 60k 17/5/2014 到期(1 年),明天去拿,利息怎算? |
|
|
|
|
|
|
|
发表于 4-12-2013 04:28 PM
|
显示全部楼层
PB_gx 发表于 3-12-2013 06:55 PM ![](static/image/common/back.gif)
定存到期,如果要提出来而不要拿现金,还有什么方式吗?谢谢大家。
Banker cheque.
bank charge 你 RM2.15
|
|
|
|
|
|
|
|
发表于 4-12-2013 04:33 PM
|
显示全部楼层
kui 发表于 4-12-2013 03:55 PM ![](static/image/common/back.gif)
定存未到期,利息怎算? let say fd 60k 17/5/2014 到期(1 年),明天去拿,利息怎算?
17/5 到現在己經超過三個月了, 可拿到應得的一半.
(05Dec - 17May) / 365 * interest / 2
|
|
|
|
|
|
|
|
发表于 4-12-2013 07:03 PM
|
显示全部楼层
Vitech 发表于 4-12-2013 04:33 PM ![](static/image/common/back.gif)
17/5 到現在己經超過三個月了, 可拿到應得的一半.
(05Dec - 17May) / 365 * interest / 2
谢谢回复,,,,,,, |
|
|
|
|
|
|
|
发表于 6-12-2013 07:55 PM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 6-12-2013 11:14 PM
|
显示全部楼层
请问一下,通常多少数目的定存可以negotiate 比较高的 利息?
如果能,是高多少? |
|
|
|
|
|
|
|
发表于 10-12-2013 10:36 PM
|
显示全部楼层
|
|
|
|
|
|
|
发表于 11-12-2013 03:12 AM
|
显示全部楼层
UOB现在一年3.55% ok 吗?
或3.65% 如果有uob来往或普通储蓄户口。。
|
|
|
|
|
|
|
|
发表于 12-12-2013 07:36 AM
|
显示全部楼层
年尾了。。有没有什么新的promotion????
|
|
|
|
|
|
|
|
发表于 12-12-2013 07:38 AM
|
显示全部楼层
那个公积金子公司有看到有4%。。最少rm10,000
要放9个月。。。
很不错一下。。。 |
|
|
|
|
|
|
|
发表于 12-12-2013 07:40 AM
|
显示全部楼层
风云888 发表于 3-11-2013 02:57 PM ![](static/image/common/back.gif)
请问目前有哪间银行的fd是超过6%利息的???
如果有6%。。那么那些跟bank借钱的不是要给12%???
|
|
|
|
|
|
|
| |
本周最热论坛帖子
|