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Happy Chinese New Year
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Chinese New Year Edition
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Chinese New Year Edition
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7 2 M R
8 2 M R
RM5 0 RM4
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3
RM2
9 2 M R
52 M R 5 RM3
9 3 M R
52 M R 8 RM2
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SaveMoney Traveller
FEBRUARY 2015
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Chinese New Year Ang Pow Did you know? History The story behind the ang pow begins in the village of Chang-Chieu in China during the Sung Dynasty. A demon terrorised the village and even the finest warriors could not slay it. A young orphan with an enchanted sabre managed to kill the beast. As a reward, the villagers gave him a red pouch filled with gold coins.
A game of numbers What does the amount given in ang pows mean?
88 99 126 168
– Double prosperity – Longevity – Able to earn money – Road to prosperity
Etiquette Traditionally, ang pows are not supposed to be opened in front of the giver. This is deemed discourteous.
Ang Pow 101
Who gives ang pows?
Who receives ang pows?
How much to put inside?
Traditionally, married couples give to those unmarried.
Traditionally, unmarried young people and children.
But what about your boss/ company or unmarried elderly aunts and uncles?
But what about the people who work for you, elderly unmarried relatives or even the trash collector (who’s known to ask!)?
‘Lucky numbers’ are 6, 8 and 9. Otherwise, odd numbers are to be avoided as it is believed to denote loneliness. However you choose to fill the little red packet – always best to keep within your means.
This was brought you by Diana Chai from RinggitPlus.com. RinggitPlus compares credit cards, personal loans and home loans to help Malaysians get more for their money. Disclaimer: This article is for information only. Nothing in this article is an endorsement, recommendation or suggestion of any banking, monetary or financial institution, product, service or security, in any form whatsoever. It is not, and shall not be construed as, an offer (that is capable of being accepted) of any credit card, or a solicitation or invitation to purchase or otherwise deal with any credit card issuer. The reader must obtain independent and appropriate financial, legal and other advice before dealing with any credit card issuer. This article does not constitute financial, legal or other advice. The views expressed are the writer's own, and do not reflect or incorporate the views of any entity within the Ascension Lab or Saving Experts Sdn. Bhd entities. Nothing in this article binds or incorporates the views of any Entity, or creates legal relationships between the reader and any Entity.
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FEBRUARY 2015
Top Product Tables
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.27% p.a.
5.98% p.a.
RM861
RM336
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.09% p.a.
RM875
RM504
Unsecured Islamic Loan
Public Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.09% p.a.
RM875
RM504
Unsecured Islamic Loan
CIMB
CIMB Pembiayaan Peribadi Sektor Awam-i
RM3,000
5.25% p.a.
9.55% p.a.
RM877
RM528
Unsecured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM696
Unsecured Loan
Bank Bank Rakyat
Product Name Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
RM1,000
3.27% p.a.
6.18% p.a.
RM305
RM972
Type Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
3.99% p.a.
7.49%p.a.
RM314
RM1,296
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,476
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,476
Unsecured Islamic Loan
CIMB
CIMB Pembiayaan Peribadi Sektor Awam-i
RM3,000
5.25% p.a.
9.76% p.a.
RM322
RM1,656
Unsecured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.70% p.a.
6.89%p.a.
RM198
RM1,860
Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
3.99% p.a.
7.40%p.a.
RM200
RM1,980
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
CIMB
CIMB Pembiayaan Peribadi Sektor Awam-i
RM3,000
5.25% p.a.
9.58% p.a.
RM210
RM2,580
Unsecured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.18%p.a.
RM885
RM620
Unsecured Islamic Loan
Alliance Islamic Bank
Alliance Bank CashVantage Personal Financing-i
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM696
Unsecured Islamic Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
14.19%p.a.
RM899
RM788
Secured Islamic Loan
Citibank
Citibank Ready Credit Paylite
RM2,000
8.00%p.a.
14.45%p.a.
RM900
RM804
Unsecured Loan
AEON
AEON iCash for AEON Credit Card Holders
RM1,000
9.60%p.a.
17.27%p.a.
RM913
RM960
Unsecured Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
Bank
Product Name
Type
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.36%p.a.
RM329
RM1,836
Unsecured Islamic Loan
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.35%p.a.
11.70%p.a.
RM331
RM1,916
Secured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.62%p.a.
RM335
RM2,060
Unsecured Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.00%p.a.
12.83%p.a.
RM336
RM2,096
Unsecured Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
14.29%p.a.
RM343
RM2,348
Secured Islamic Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Bank
Product Name
Type
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.35%p.a.
11.43%p.a.
RM220
RM3,200
Secured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.31%p.a.
RM224
RM3,440
Unsecured Loan
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.89%p.a.
12.32%p.a.
RM224
RM3,440
Unsecured Islamic Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.00%p.a.
12.50%p.a.
RM225
RM3,500
Unsecured Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
13.88%p.a.
RM232
RM3,920
Secured Islamic Loan
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FEBRUARY 2015
Top Product Tables
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Affin Islamic Bank
Affin Islamic Term Deposit Plus-i
Standard
RM10,000
3.49%
3.49%
RM145
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.40%
3.40%
RM142
MBSB
Bank Islam
Bank Islam Term Deposit-i
Standard
RM1,000
3.35%
3.35%
RM140
PIDM
Agrobank
Agrobank Fixed Return Investment Account-i
Standard
RM5,000
3.25%
3.25%
RM135
PIDM
Bangkok Bank
Bangkok Bank Fixed Deposit Account
Standard
RM5,000
3.20%
3.20%
RM133
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
UOB
UOB Prosperity Fixed Deposit
Standard
RM10,000
3.85%
3.85%
RM481
PIDM
Affin Bank
Affin FDPLUS2
Standard
RM5,000
3.80%
3.80%
RM475
PIDM
RHB Bank
RHB Golden Goats of Happiness FD
CASA
RM10,000
3.78%
3.78%
RM473
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.70%
3.70%
RM463
DFIA
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.45%
3.45%
RM431
MBSB
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Public Bank
Public Bank Plus Fixed Deposit Account
Standard
RM20,000
4.08%
4.08%
RM1,020
PIDM
AmBank
AmBank Am50 Plus
Standard
RM10,000
4.00%
4.00%
RM1,000
PIDM
Affin Bank
Affin Bank FD Plus
CASA
RM10,000
3.92%
3.92%
RM980
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.90%
3.90%
RM975
DFIA
Mach by Hong Leong Bank
Mach Fixed Deposit
Standard
RM1,000
3.80%
3.80%
RM950
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.95%
3.95%
RM1,481
DFIA
Affin Bank
Affin Bank FD Plus
CASA
RM10,000
3.94%
3.94%
RM1,478
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.65%
3.65%
RM1,369
MBSB
Bank Islam
Bank Islam Term Deposit-i
Standard
RM500
3.60%
3.60%
RM1,350
PIDM
Bank of China
Bank of China Fixed Deposit Account
Standard
RM1,000
3.40%
3.40%
RM1,275
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Public Bank
Public Bank Plus Fixed Deposit Account
Standard
RM20,000
4.18%
4.18%
RM2,090
PIDM
AmBank
AmBank Am50 Plus
Standard
RM10,000
4.10%
4.10%
RM2,050
PIDM
Agrobank
Agrobank Fixed Return Investment Account-i
Standard
RM10,000
4.10%
4.10%
RM2,050
PIDM
Hong Leong Bank
Hong Leong Fixed Deposit
Standard
RM10,000
4.08%
4.08%
RM2,040
PIDM
Affin Bank
Affin Bank FD Plus
Standard
RM10,000
3.96%
3.96%
RM1,980
PIDM
24
FEBRUARY 2015
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