48 SMART: January 2013
+Smartan Dad

Thursday, 31 January 2013

MBSB Fantastic 4 Campaign

MBSB FD promotion is back again with the Fantastic 4 Campaign! The ongoing campaign will end on 31st March 2013 and is subject to fund availability.


























Individuals aged 18 years and above can sign up with minimum deposit of RM 5000. Existing Cashrich (Savings) Account Holders with minimum balance of RM 1000 will get to enjoy additional 0.05% interest p.a.

Months
MBSB Fantastic 4! FD Rate (%)
12
4.05
15
4.10
18
4.15
24
4.25
36
4.30
48
4.35
60
4.70

The Fantastic 4 FD Rate is same as that of MBSB Fabulous FD, just that the minimum placement amount is increased to RM 5000 and the tenures shorter than 12 months are removed. If you miss the previous MBSB Fabulous FD, it's a good opportunity for you to deposit with MBSB now.

Wednesday, 30 January 2013

Penang State Government Affordable Housing Project

Good news to all Penangites! The Penang State Government's affordable housing projects located at Jalan S.P. Chelliah in Penang Island and Bandar Cassia in Batu Kawan will be open to public for registration starting from 7th February 2013.





















If you are interested in the affordable housing projects, you may walk in to counter in Komtar, PDC or MPSP Bandar Perda to register, operating hour is from 9 a.m. to 5 p.m everyday including Chinese New Year holidays and weekends. All Malaysians can apply but priority will be given to Penangites. The detail criteria of eligibility will be announced later.

Below table shows the details of the affordable housing projects by build up area, number of unit and price:

Project
Category
Size
No. of Unit
Price/unit
Jalan S.P. Chelliah
Medium Cost
1000 sqft
275
RM 400000
900 sqft
165
RM 300000
800 sqft
110
RM 200000
Low Medium Cost
700 sqft
770
RM 72500
Bandar Cassia
Medium Cost
1000 sqft
1092
RM 220000
900 sqft
392
RM 168000
Low Medium Cost
800 sqft
596
RM 72500




Tuesday, 29 January 2013

RHB CNY Prosperity FD Promotion

Other than the ongoing 15 Months Step Up FD, RHB quietly launched another FD promotion, known as CNY Prosperity FD, from 21st January till 28th February 2013 or the target fund reaches RM 500 million, whichever comes first.


























So far there is no official info in the website but according to information from branch, it is a 12-month tenure FD with minimum placement of RM 5000 (fresh fund) and the interest rate is 3.88% p.a. There is no requirement to bundle the FD placement amount with CASA.

This promotion offers very attractive rate as compared to 15 Months Step Up FD, the minimum placement is lower and the tenure is shorter with higher interest rate. Below is the comparison list of ongoing FD promotion in the market:

Bank
Tenure
Min Amount
Bundle CASA
Min Amount
Actual Interest
HL Prosperity
12-month
RM 10000
No
N/A
3.455%
HL CNY
12-month
RM 10000
Yes
20% of FD
3.394%
HL Mach
12-month
RM 10000
No
N/A
4.00%
UOB
3-month
RM 10000
No
N/A
3.50%
UOB
9-month
RM 10000
No
N/A
3.65%
Alliance
6-month
RM 10000
Yes
10% of FD
3.448%
RHB
15-month
RM 30000
Yes
10% of FD
3.219%
RHB
12-month
RM 5000
No
N/A
3.88%
AmBank eFD
12-month
RM 5000
No
N/A
3.40%
AmBank
12-month
RM 50000
No
N/A
3.80%
PBB
6-month
RM 10000
Yes
20% of FD
3.29%
OCBC
3-month
RM 5000
Yes
50% of FD
3.50%
OCBC
6-month
RM 5000
No
N/A
3.325%
SCB
6-month
RM 5000
No
N/A
3.50%

Thursday, 24 January 2013

Standard Chartered Online FD

Standard Chartered Bank's FD promotion is finally back. This time, the promotion is on the new Online Fixed Deposit Registration Service with SCB, started from 22nd January and ends on 2nd February 2013 or when the FD fund reaches RM 100 million, whichever comes first.

Update 19/4: Promotion is back, from 1st April until 31st May 2013 or when the FD fund reaches RM 100 million, whichever comes first. Click here to apply.
















Online Fixed Deposit Registration Service is open only to individual Malaysian citizens, residing in Malaysia. FD placed via this service must be amounts from RM5,000 - RM50,000 only. Individual customers are able to get the special interest rate of 3.50% p.a. for 6-month tenure with fresh fund deposit. The FD will automatically be renewed for further 6-month periods upon maturity, at the then prevailing board rate.

Tenure
Interest Rate
Special
1 month
2.75% p.a.

2 months
2.75% p.a.
3 months
2.90% p.a.
4 months
2.90% p.a.
5 months
2.90% p.a.
6 months
2.90% p.a.
3.50% p.a.


If you are interested with SCB Online FD,  just register your interest here. Then SCB will contact you within 2 working days.

Wednesday, 23 January 2013

OCBC Bank BM Branch Promotion

OCBC Bank Bukit Mertajam Branch has recently moved to new location due to the construction of a flyover near the old location that made it not easily accessible by customers. In conjunction with the new and improved branch, OCBC Bank is offering exclusive promotions and gifts at BM Branch.


























The campaign started on 15th January and ends on 29th March 2013. Let's have a look at the details of the promotion:

a) Fixed Deposit Surprises:

No
Promotion
FD Tenure
Interest Rate
Eligibility
1
Standalone FD
1st: 3-month
4.00% p.a.
Min RM 5000 deposit and max RM 1000000 placement
2nd: 3-month
2.85% p.a.
2
Safe Deposit Box
3-month
4.00% p.a.
Sign up for Safe Deposit Box. Min RM 5000 placement and max RM 20000 deposit.


b) More Surprises:

No
Promotion
Offers

1
Home Loan Surprise
Up to 130% with Renovation & Refurbishment Financing
Free gift upon loan application with full documents*
Exclusive gift upon loan acceptance*
2
Fun Surprise
Exclusive mystery gift with any product sign up*


*While stocks last

Visit and join OCBC for a fun-filled celebration. The location of the new branch is as follows.


Tuesday, 22 January 2013

Apple's Red Friday Sale

Similar to Black Friday in the United States, Apple will be having Red Friday Sale on this coming Friday 25th January 2013 to celebrate the upcoming Chinese New Year.



























Same as the Black Friday Sale, Apple will be offering one day discounts on Macs, iPads, iPods and accessories but not on iPhones. This Red Friday Sale is only available in Asia countries like Malaysia, Thailand, Singapore, Philippines, China, Taiwan and Hong Kong.

There is no details on the deal but it should be same as previous year with discounts of up to 8% on iPads, 10% on iPod Touch, and a flat discount of RM 311 on all models of MacBook Air, MacBook Pro, and iMac. Free shipping will be offered as well.

If you're planning to get an iPad or other Apple products, remember to logon to Apple Store on this coming Friday to enjoy the discount. Happy shopping!

Monday, 21 January 2013

OCBC Save Easy Deals

OCBC presents OCBC Save Easy Deals from from 1st January until 31st March 2013. The campaign consists of 3 FD promotions and 1 investment promotion.

















The promotions in the campaign are as below table:

No
Product
FD Tenure
Interest Rate
Eligibility
1
FD promotion
1st: 3-month
3.80% p.a.
Min RM 5000 deposit
2nd: 3-month
2.85% p.a.
2
Investments promotion
3-month
4.00% p.a.
Must purchase OCBC investment product
3
Bonus Savers promotion
3-month
4.50% p.a.
Min RM 5000 deposit, with 50% of equivalent amount place in CASA
4
Premier 3-month FD promotion
3-month
5.50% p.a.
Premier Banking customer with 3 Product Holding where 1 of the products must be non-deposit Wealth product.


The effective rate for FD promotion (6-month tenure) is 3.325% p.a. while the effective rate for Bonus Savers promotion (3-month tenure) is 3.5% p.a. So it is better to go for Bonus Savers promotion with shorter tenure and higher interest rate.

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