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发表于 12-6-2011 02:01 PM
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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! |
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发表于 12-6-2011 02:23 PM
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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。。。 |
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发表于 12-6-2011 02:44 PM
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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~~~~ |
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发表于 12-6-2011 04:01 PM
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请问一下现在FD利息最高的是什么银行哦?有人知道吗? |
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发表于 12-6-2011 09:47 PM
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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~ |
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发表于 25-6-2011 11:41 AM
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本帖最后由 Lovebug 于 25-6-2011 11:45 AM 编辑
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。
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发表于 25-6-2011 07:40 PM
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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 |
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发表于 26-6-2011 11:33 AM
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本帖最后由 win20282002 于 26-6-2011 12:17 PM 编辑
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
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| 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
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| 1. | Individual - Ringgit Malaysia Fifty Thousand only (RM50,000-00).
| | | 2. | Non-Individuals - Ringgit Malaysia Hundred Thousand only (RM100,000-00).
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| | Maximum Placement |
| 1. | Individual - No cap.
| | | 2. | Non-Individuals - Ringgit Malaysia Hundred Million only (RM100,000,000-00) in aggregate for this campaign.
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| | 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: -
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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.
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| 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.
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| 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. |
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发表于 26-6-2011 12:39 PM
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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 |
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发表于 26-6-2011 01:54 PM
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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. |
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发表于 28-6-2011 12:01 PM
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发表于 28-6-2011 08:35 PM
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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? |
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发表于 28-6-2011 09:15 PM
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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 |
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发表于 2-7-2011 04:58 PM
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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? |
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发表于 2-7-2011 05:07 PM
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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. |
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发表于 2-7-2011 05:10 PM
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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 |
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发表于 2-7-2011 05:37 PM
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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 |
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发表于 2-7-2011 05:39 PM
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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? |
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发表于 2-7-2011 08:47 PM
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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 |
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发表于 7-7-2011 11:34 AM
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