SM Magazine November 2013

NOVEMBER 2013

1

magazine

MALAY

SIA

AL

AY S I A

november_co.indd 1

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NOVEMBER 2013

Step 1 Go to http://SaveMoney.my/Magazine and subscribe to Malaysia’s No.1 Money Saving Community and join the 60,000 members who have already saved RM1,000s! 5 lucky subscribers will win these great hotel vouchers!

Step 2

WIN!

november_co.indd 2

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NOVEMBER 2013

1

ER 2013

NOVEMB

magazine

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by savemo

ER 2013

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306/10/201

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november_co.indd 3

11/6/2013 7:22:54 PM

4

november_co.indd 4

NOVEMBER 2013

11/6/2013 7:22:55 PM

NOVEMBER 2013

november_co.indd 5

5

11/6/2013 7:22:55 PM

6

NOVEMBER 2013

Interest Rate 1.50% p.a.

: Balance < RM4,999.99

2.80% p.a.

: RM5,000.00 < Balance < RM99,999.99

2.85% p.a.

: RM100,000.00 <Balance < RM499,999.99

3.10% p.a.

: > RM500,000

Interest Rate 0.00% p.a.

: Balance < RM1,000

1.20% p.a.

: Balance < RM10,000

1.55% p.a.

: Balance < RM50,000

1.85% p.a.

: Balance < RM100,000

2.10% p.a.

: Balance < RM250,000

2.40% p.a.

: > RM250,000

Interest Rate

november_co.indd 6

0.60% p.a.

: Balance < RM 20,000

1.80% p.a.

: > RM20,000

11/6/2013 7:22:56 PM

7

NOVEMBER 2013

Network Provider

Plan Name

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

UMobile

UMI18 (Prepaid but Bolt On)

Apple iPhone 5S 16GB

RM2,399

1 month

RM18

RM18

RM2,615

UMobile

UMI28 (Prepaid but Bolt On)

Apple iPhone 5S 16GB

RM2,399

1 month

RM28

RM28

RM2,735

UMobile

U28

Apple iPhone 5S 16GB

RM2,399

1 month

RM28

RM28

RM2,735

Maxis

Value First + Monthly 100MB Pass

Apple iPhone 5S 16GB

RM2,399

1 month

RM48

RM48

RM2,975

Maxis

SurfMore 50

Apple iPhone 5S 16GB

RM2,399

1 month

RM50

RM50

RM2,999

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

Network Provider

Plan Name

Maxis

iValue Simple

Apple iPhone 5S 16GB

RM2,249

12 months

RM50

RM67

RM3,053

Maxis

iValue 1

Apple iPhone 5S 16GB

RM1,899

12 months

RM100

RM120

RM3,339

Celcom

Celcom First Prime + RM58 Mobile Internet

Apple iPhone 5S 16GB

RM1,808

12 months

RM98

RM133

RM3,404

UMobile

U28

Apple iPhone 5S 16GB

RM2,399

1 month

RM28

RM88

RM3,455

Celcom

Celcom First Premier + RM88 Mobile Internet

Apple iPhone 5S 16GB

RM1,548

12 months

RM168

RM168

RM3,564

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

Network Provider

Plan Name

Maxis

iValue Simple

Apple iPhone 5S 16GB

RM2,249

12 months

RM50

RM67

RM3,857

DiGi

iDiGi 88

Apple iPhone 5S 16GB

RM1,493

24 months

RM88

RM103

RM3,965

Maxis

iValue 1

Apple iPhone 5S 16GB

RM1,599

24 months

RM100

RM120

RM4,479

UMobile

U28

Apple iPhone 5S 16GB

RM2,399

1 month

RM28

RM88

RM4,511

Celcom

Celcom First Prime + RM58 Mobile Internet

Apple iPhone 5S 16GB

RM1,438

24 months

RM98

RM133

RM4,630

november_co.indd 7

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8

NOVEMBER 2013

Network Provider

Plan Name

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

UMobile

UMI18

Apple iPhone 5C 16GB

RM1,999

1 month

RM18

RM18

RM2,215

UMobile

U28

Apple iPhone 5C 16GB

RM1,999

1 month

RM28

RM28

RM2,335

UMobile

UMI28

Apple iPhone 5C 16GB

RM1,999

1 month

RM28

RM28

RM2,335

Tune Talk

Cun Plan

Apple iPhone 5C 16GB

RM1,999

1 month

RM38

RM38

RM2,455

DiGi

DG 48 Plus

Apple iPhone 5C 16GB

RM1,999

1 month

RM43

RM43

RM2,515

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

Network Provider

Plan Name

Maxis

iValue Simple

Apple iPhone 5C 16GB

RM1,899

12 months

RM50

RM67

RM2,703

Maxis

iValue 1

Apple iPhone 5C 16GB

RM1,499

12 months

RM100

RM120

RM2,939

Tune Talk

Cun Plan

Apple iPhone 5C 16GB

RM1,999

1 month

RM38

RM86

RM3,036

DiGi

DiGi Smart Plan 88

Apple iPhone 5C 16GB

RM1,999

1 month

RM88

RM88

RM3,055

UMobile

U28

Apple iPhone 5C 16GB

RM1,999

1 month

RM28

RM88

RM3,055

Device Name

Device Price

Contract Period

Minimum Monthly Fee

Total Monthly Cost

Total Cost over 12 Months

Network Provider

Plan Name

Maxis

iValue Simple

Apple iPhone 5C 16GB

RM1,899

12 months

RM50

RM67

RM3,507

DiGi

iDiGi 88

Apple iPhone 5C 16GB

RM1,158

24 months

RM88

RM103

RM3,630

DiGi

iDiGi 138

Apple iPhone 5C 16GB

RM630

24 months

RM138

RM138

RM3,942

Maxis

iValue 1

Apple iPhone 5C 16GB

RM1,149

24 months

RM100

RM120

RM4,029

Tune Talk

Cun Plan

Apple iPhone 5C 16GB

RM1,999

1 month

RM38

RM86

RM4,073

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9

NOVEMBER 2013

Travel Edition

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10

NOVEMBER 2013

Travel Edition

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NOVEMBER 2013

Travel Edition

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NOVEMBER 2013

Travel Edition

Travel Insurance Company

Frequency Coverage

Coverage Area

Premium Range (RM)

Lonpac

TravelNet (South East Asia)

Malaysia, Singapore, Indonesia, Thailand, Brunei, Philippines, Vietnam, Myanmar, Laos, Cambodia

RM18 To RM125 (VIP)

Lonpac

TravelNet (Asia Pacific)

South East Asia, China, Hong Kong, Macau, Taiwan, Korea, Australia, New Zealand, Japan, India, Bangladesh, Pakistan, Sri Lanka

RM26 to RM138 (VIP)

Airline Companies

Insurance Companies

One-Way Trip Coverage

Yes

Yes (but very rare) - limited protection coverage

Company

Coverage Area

Premium

Return Trip Coverage

Yes

Yes

All Regional Flight

Some

Yes

RM34 per return trip

RM456

Periodical Coverage (example : 1-3 days Coverage, 20 - 30 days Coverage)

AirAsia Tune Insurance MSIG TravelRight Plus Insurance

South East Asia, Cambodia, China, Hong Kong, Macau, Malaysia, Maldives, Myanmar, Taiwan, Thailand, Korea, Australia, New Zealand, Japan, India, Indonesia, Bangladesh, Pakistan, Sri Langka, Vietnam

RM230 Annual

RM230

Annual Coverage

november_co.indd 12

Insurance Name

No

Yes

Cost After 1 Year

11/6/2013 7:23:06 PM

13

NOVEMBER 2013

Travel Edition

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NOVEMBER 2013

Travel Edition

BUDGET november_co.indd 14

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15

NOVEMBER 2013

Travel Edition

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11/6/2013 7:23:09 PM

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NOVEMBER 2013

Borders Bookstore Malaysia

MPH Malaysia

Times Bookstore

Kinokuniya Bookstore

Popular Bookstore

Cards Name

Borders Rewards Card

MPH Readerâ&#x20AC;&#x2122;s Circle

Times Privilege Card

Kinokuniya Privilege Card

Popular card

Locations / Outlets

Kuala Lumpur, Pulau Pinang

Johor, Kuala Lumpur, Melaka, Negeri Sembilan, Kedah, Pulau Pinang, Perak, Selangor, Sarawak

Kuala Lumpur, Sabah, Sarawak

Kuala Lumpur (KLCC)

Kedah, Pulau Pinang, Perak, Selangor, Kuala Lumpur, Negeri Sembilan, Melaka, Johor, Pahang, Terengganu, Kelantan

RM20 or free with minimum purchase of RM150 in single receipt

RM20

RM20

RM36

RM12 (Adult 1 yr), RM25 (3 years), RM10 (Student 2 yr)

N/A

N/A

N/A

N/A

N/A

RM20

RM20

RM15

RM36

Same as Annual Fee

2 Years

2 Years

2 Years

1 Year

1 Year, 2 Years, 3 Years

Magazine

5%

N/A

5%

N/A

N/A

Books

10%

N/A

10%

10%

10%

Greeting Cards

5%

N/A

N/A

N/A

N/A

Stationery

5%

N/A

10%

N/A

N/A

10% on Starbucks F&B (Selected outlets) and 10% Metrojaya Products

15% during birthday, 20% on selected books

20% welcome voucher, 20% birthday voucher, 5% additional discount on top of sale discount

Special discounts throughout the year

20% on Popular Choice, Pilihan Popular and recommended titles

Rebates

2% rebate in Borders Bucks when spend RM500 per calendar quarter

RM1 = 1 knowledge point.

5% rebate for RM300-RM999.99 and 10% rebate for >RM1000 in 6 month period

N/A

N/A

N/A

Others

Free delivery with minimum purchase of RM250 in single receipts within 25km radius of store (Klang Valley and Penang)

Free delivery with min purchase of RM300 (Klang Valley)

N/A

N/A

N/A

Bookstore

Annual Fee

Application fee Renewal Fee Duration of Membership Discounts :

Other Discounts

november_co.indd 16

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16

17

OCTOBER 2013

NOVEMBER 2013

Haruskah Anda Mendapatkan

A

nda teringin untuk membuat permohonan kad kredit, tapi risau akan mengalami masalah hutang yang banyak? Ramai menganggap bahawa berhutang merupakan sesuatu yang tidak baik, tetapi sebenarnya

atau penyebab kejatuhan seseorang.

HUTANG YANG TIDAK TERURUS ialah punca sebenar masalah kita semua.

Hutang pada asasnya adalah sesuatu yang baik jika diuruskan dengan bijak. Tapi jika kita tidak mengambil peduli tentang hal kewangan sendiri, maka kesemua hutang ini akan bertukar menjadi hutang “buruk” (dan mimpi ngeri anda!).

Jadi, baca tips-tips berikut untuk untuk mengelakkan diri anda daripada terjebak ke dalam femonena “hutang keliling pinggang”!

Peringatan Sebelum Memilih Kad Kredit

1

Diterjemah oleh: Balkish Rosly

Patutkah Saya Mendapatkan Kad Kredit (Walaupun risiko pemilikannya tinggi?)

Seperti yang kami katakan di atas, kad kredit bukan punca masalah anda. Dengan sedikit disiplin, pemilikan kad kredit boleh memberi banyak manfaat kepada anda. Ia boleh membantu anda mengawasi perbelanjaan bulanan, menolong anda membuat bayaran sebelum gaji masuk, memberi pelbagai ganjaran dan juga boleh menolong anda menyimpan wang jika digunakan dengan bijak.

Tips

2 3

Berhati-hati dengan hutang bulanan kad kredit anda. Jika anda gagal untuk membayar secara penuh setiap bulan, anda kena membayar faedah 13% p.a. – 18% p.a. sebulan!

Marlboro Tidak

Harga Per Pek

• Cuba membuka akaun direct debit untuk bayaran minima setiap bulan. Dengan cara ini anda boleh mengelakkan penalti lewat bayaran / kehilang faedah pembelian 0% • Pada saat anda membuat bayaran lewat, kurang daripada bayaran minima atau terlupa untuk membuat bayaran, anda akan terus hilang bonus kadar 0% dan akan dikenakan kadar faedah tertinggi untuk kad kredit jenis ini.

Untuk pelan pembayaran mudah 0% selama 12 atau 24 bulan 3. yang selalu digunakan untuk pembelian seperti telefon bimbit,

perkakas rumah, dan lain-lain, sentiasa membuat bayaran tepat pada masa pada setiap bulan.

Perbelanjaan selepas 5 tahun pasti kad kreditRM12.00 yang sesuai untuk anda?

RM10.50 – RM12.50

YA

Winston

TIDAK

Kent

kadar bayaran faedah – dan seterusnya menjimatkan wang anda!

RM10.50

RM12.00 Tahniah! Oleh kerana anda mampu melangsaikan hutang kad kredit setiap bulan, anda tidak perlu risau dengan kadar faedah yang dikenakan bank. Sebaliknya, anda patut mencari kad kredit yang boleh menawarkan ganjaran untuk perbelanjaan anda.

Misalnya, jika anda seorang penggemar wayang, maka carilah kad kredit yang memberikan anda ganjaran di panggung wayang.

Soalan 2: Adakah anda mampu melangsaikan hutang kad kredit sepenuhnya setiap bulan?

TIDAK YA

Cuba soalan 3.

Cari kad kredit yang mempunyai promosi faedah 0% dengan tempoh yang lama!

Jarang Merokok

Selalu Merokok

Perokok Tegar

Perokok Ekstrem

minggu)

minggu)

minggu)

minggu)

RM12.00

RM36.00

RM84.00

RM120.00

RM4,032.00

RM5,760.00

• JIka(1tidak, anda akan kehilangan kadar 0% yangsetiap ditawarkan(10 itu. pek setiap (3 pek setiap (7 Pek pek setiap Pilih kad kredit yang boleh memberikan ganjaran kepada setiap 4. RM48.00 RM144.00 RM336.00 RM480.00 perbelanjaan anda.

Perbelanjaan selepas setahun

Soalan 1: Mild Seven RM12.00 Adakah anda mampu melangsaikan hutang kad kredit Camel RM11.00 sepenuhnya setiap bulan?

Peter Stuyvesant Pergi ke Soalan 2 RM10.50 untuk mengetahui cara untuk mengurangkan

hutang kad kredit setiap bulan!

minima yang perlu dibayar sepanjang tempoh 0% itu.

RM576.00

Perbelanjaan selepas 10 tahun Dunhill RM12.00 Ragu-ragu tentang jenis kad kredit yang mana harus anda pilih? Cuba kuiz kad Perbelanjaan selepas 20 tahun L&M RM10.50 sebaik mungkin kredit kami di bawah! Kami akan melakukan untuk mencadangkan kad kredit terbaik untuk anda: Sempoerna RM10.50

Pall Mall

1. Ikut bajet bulanan dan pastikan anda langsaikan anda menggunakan kad kredit untuk mendapat 2. Jika pemindahan baki 0%, pastikan anda tidak terlepas bayaran

Elakkan pembayaran lewat kerana ia mungkin mengakibatkan kehilang tawaran kadar faedah rendah, pembayaran denda Perbelanjaan Mingguan penalti dan/atau menjejaskan penilaian kredit dan permohonan kad kredit anda dimasa hadapan.

Perbelanjaan Bulanan

Jenama

Memiliki Kad Kredit:

1.

Kad kredit bukan pendapatan tambahan anda! Jadi jangan menambahkan perbelanjaan harian hanya kerana anda mempunyai kad kredit.

Cuba untuk menggunakan kad kredit anda secara minima dan segera langsaikan bil kad kredit bulanan anda untuk mengelakkan kadar faedah berganda.

4

Kad Kredit?

RM1,728.00

• Jika anda banyak berbelanja di tempat tertentu (contoh : anda RM2,880.00 RM8,640.00 RM20,160.00 RM28,800.00 selalu melancong / anda suka tengok wayang ), carilah kad RM5,760.00 RM17,280.00 RM40,320.00 kredit yang memberikan ganjaran dan keuntunganRM57,600.00 mengikut perbelanjaan anda.

RM11,520.00 RM34,560.00 RM80,640.00 RM115,200.00

Soalan 3: Adakah anda mempunyai disiplin untuk menukar kad untuk mendapat kadar faedah 0%, selalunya setiap 3 hingga 6 bulan?

TIDAK YA

Cuba soalan 4.

Cuba untuk mendapatkan kad kredit yang memberi kadar faedah 0% paling lama. Selepas itu, tukar kad kredit anda dan dapatkan pindahan baki 0% (tempoh 0% selalunya 3 hingga 6 bulan) untuk memindahkan hutang anda ke kad yang baru tanpa dikenakan caj faedah langsung.

Soalan 4: Anda perlu menggunakan kad kredit namun tidak mampu membuat bayaran penuh dan tidak mampu memohon kad baru setiap kali tempoh promosi faedah 0% tamat?

Pilihan terbaik untuk diri anda adalah untuk memohon kad kredit dengan kadar faedah paling rendah, dan elakkan kad kredit 0% .Ini kerana setelah tempoh 0% , kadar faedah akan meningkat lebih berbanding kadar faedah paling rendah kad kredit yang tersedia.

JimatCermat.my ialah laman penjimatan kewangan di Malaysia, kami sentiasa berusaha menyelidik cara-cara untuk anda menjimatkan wang tanpa mengubah cara hidup anda dan berjimat sekurang-kurangnya RM1,000 setahun!

november_co.indd 17

11/6/2013 7:23:11 PM

18

BR1M 3.0

NOVEMBER 2013

Amount

Households RM650

RM450

Eligibility Criteria 1. Household income below RM3,000 2. Malaysian Citizen 3. Only successful applicants will be eligible to claim payment 1. Household income between RM3,000 to RM4,000 2. Malaysian Citizen 3. Only successful applicants will be eligible to claim payment.

Additional RM50 Group Takaful Rakyat 1 Malaysia Contribution (i-BR1M) Individuals

november_co.indd 18

RM300

1. Total gross monthly income of RM2,000 and below 2. Malaysian Citizen 3. Aged 21 and above (born 1993 or earlier) 4. Does not include students who are receiving the 1 Malaysia Book Voucher (BB1M) 5. Only successful applicants will be eligible to claim payment.

Chargeable Income

Tax Rate (2013 Cumulative Tax and 2014)

Tax Rates Cumulative (2015 - ) Tax

Saving

From RM1 RM5,000 0%

0%

RM0

0%

RM0

-

From RM5,001 RM20,000

2%

RM300 (RM0 after RM400 rebate)

1%

RM150 (RM0 after RM400 rebate)

-

From RM20,001 RM35,000

6%

RM1,200 (RM800 after RM400 rebate)

5%

RM900 (RM500 after RM300 RM400 rebate)

From RM35,001 RM50,000

11%

RM2,850

10%

RM2,400

RM450

From RM50,001 RM70,000

19%

RM6,650

16%

RM5,600

RM1,050

From RM70,001 RM100,000

24%

RM13,850

21%

RM11,900

RM1,950

From RM100,001 RM250,000

26%

RM52,850

24%

RM47,900

RM4,950

From RM250,001 RM400,000

26%

RM91,850

24.5%

RM84,650

RM7,200

RM400,001 and Above

26%

25%

11/6/2013 7:23:12 PM

19

NOVEMBER 2013

Real Property Disposals on Oct-95 to Gains Tax in Mar-07 Malaysia

Disposals on Apr-07 to Dec-09

Disposals on Jan-10 to Dec-11

2012 Budget

2013 Budget

2014 Budget

Disposal in 1st year

30%

0%

5%

10%

15%

30%

Disposal in 2nd year

30%

0%

5%

10%

15%

30%

Disposal in 3rd year

20%

0%

5%

5%

10%

30%

Disposal in 4th year

15%

0%

5%

5%

10%

20%

Disposal in 5th year

5%

0%

5%

5%

10%

15%

0%

0%

0%

0%

0%

0%

Disposal in 6th year and beyond

november_co.indd 19

11/6/2013 7:23:12 PM

20

NOVEMBER 2013

SaveMoney Budget RM200 – RM300

RM300 – RM450

RM450 – RM600

Accommodation 3D 2N

RM70 – RM250

RM250 – RM250

RM250 – RM1,500

Transportation

RM50 – RM150

RM150 – RM200

RM200 – RM400

Meals

RM150 – RM200

RM200 – RM250

RM250 – RM550

Entrance Fee for Attractions

RM50 – RM180

RM180 – RM200

RM200 – RM350

Total for 3D 2N

RM520 – RM1,080

RM1,080 - RM1,350

RM1,930 – RM3,40

Singapore Botanical Garden

november_co.indd 20

Splurge

Air Fare (return/pax)

Orchard Road

Bugis Street

Mid-Range

Esplanade

Universal Studio

Singapore Zoo

Clark Quay

11/6/2013 7:23:14 PM

NOVEMBER 2013

november_co.indd 21

21

11/6/2013 7:23:15 PM

22

NOVEMBER 2013

Top Product Tables

Bank Name

Product Name

Min. Income

Flat Interest Rate (p.a.)

Effective Interest Rate (p.a.)

Monthly Repayment

Total Repayment over 1 year

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-I MEGA Aslah for Members

RM12,000

3.25%

6.09%

RM860

RM10,325

Unsecured Islamic Loan

Bank Islam

Bank Islam Fixed Rate Personal Financing-I Package

RM24,000

3.50%

6.59%

RM863

RM10,350

Unsecured Islamic Loan

CIMB Bank

CIMB Pembiayaan Peribadi Sektor Awam-i

RM6,000

4.99%

9.29%

RM875

RM10,499

Unsecured Islamic Loan

Citibank

Citibank Ready Credit PayLite

RM24,000

7.70%

14.09%

RM898

RM10,770

Unsecured Loan

Maybank

Maybank Personal Loan

RM30,000

8.00%

14.69%

RM900

RM10,800

Unsecured Loan

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Total Repayment over 1 year

Bank

Product Name

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-I MEGA Aslah for Members

RM12,000

3.25%

6.09%

RM305

RM10,975

Unsecured Islamic Loan

Public Bank

Public Bank BAE Personal Financing-i

RM24,000

3.40%

6.39%

RM306

RM11,020

Secured Islamic Loan

Bank Islam

Bank Islam Fixed Rate Personal Financing-I Package

RM24,000

3.50%

6.59%

RM307

RM11,050

Unsecured Islamic Loan

MBSB

MBSB Exec-i

RM32,000

4.10%

7.69%

RM312

RM11,230

Unsecured Islamic Loan

CIMB Bank

CIMB Pembiayaan Peribadi Sektor Awam-i

RM6,000

4.99%

9.19%

RM319

RM11,497

Unsecured Islamic Loan

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Total Repayment over 5 years

Bank

Product Name

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-i PRIMA Aslah

RM12,000

3.88%

7.19%

RM201

RM12,040

Unsecured Islamic Loan

MBSB

MBSB Exec-i

RM32,000

4.10%

7.49%

RM199

RM11,940

Unsecured Islamic Loan

CIMB Bank

CIMB Pembiayaan Peribadi Sektor Awam-i

RM6,000

4.99%

8.99%

RM208

RM12,495

Unsecured Islamic Loan

Public Bank

Public Bank BAE Personal Financing-i

RM24,000

4.99%

8.99%

RM208

RM12,495

Secured Islamic Loan

Bank Islam

Bank Islam Fixed Rate Personal Financing-I package

RM24,000

4.99%

8.99%

RM208

RM12,495

Unsecured Islamic Loan

Min. Income

Interest Rate (flate rate)

Effective Rate

Monthly Repayment

Total Repayment over 1 year

Bank

Product Name

Type

Citibank

Citibank Ready Credit PayLite

RM24,000

7.70%

14.09%

RM898

RM10,770

Unsecured Loan

Maybank

Maybank Personal Loan

RM30,000

8.00%

15.00%

RM900

RM10,800

Unsecured Loan

Alliance Bank

Alliance Bank CashFirst Personal Loan

RM24,000

8.88%

16.19%

RM907

RM10,888

Unsecured Loan

Al Rajhi Bank

AL-Rajhi Personal Financing-i

RM24,000

8.99%

16.39%

RM908

RM10,899

Unsecured Islamic Loan

Standard Chartered Bank

Standard Chartered Personal Financing-i

RM24,000

10.22%

18.49%

RM919

RM11,022

Unsecured Islamic Loan

Bank

Product Name

Min. Income

Interest Rate (flate rate)

Effective Rate

Monthly Repayment

Total Repayment over 3 years

Type

Citibank

Citibank Ready Credit PayLite

RM24,000

7.70%

13.79%

RM342

RM12,310

Unsecured Loan

Maybank

Maybank Personal Loan

RM30,000

8.00%

14.00%

RM344

RM12,400

Unsecured Loan

AmBank

AmBank AmMoneyLine

RM24,000

8.50%

15.19%

RM349

RM12,550

Unsecured Loan

OCBC

OCBC Progres-i

RM30,000

8.50%

15.19%

RM349

RM12,550

Unsecured Islamic Loan

Al Rajhi Bank

Al-Rajhi Personal Financing-i

RM24,000

8.99%

15.99%

RM353

RM12,697

Unsecured Islamic Loan

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Total Repayment over 5 years

Bank

Product Name

Type

Maybank

Maybank Personal Loan

RM30,000

8.00%

13.89%

RM233

RM14,000

Unsecured Loan

AmBank

AmBank AmMoneyLine

RM24,000

8.50%

14.69%

RM238

RM14,250

Unsecured Loan

Al-Rajhi

Al-Rajhi Personal Financing-i

RM24,000

8.99%

15.39%

RM242

RM14,495

Unsecured Islamic Loan

OCBC

OCBC Progres-i

RM30,000

10.00%

16.99%

RM250

RM15,000

Unsecured Islamic Loan

Standard Chartered Bank

Standard Chartered Personal Financing-i

RM24,000

10.22%

17.29%

RM252

RM15,110

Unsecured Islamic Loan

november_co.indd 22

11/6/2013 7:23:16 PM

23

NOVEMBER 2013

Top Product Tables Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Akaun Deposit-I Makeen

Standard

RM5,000

3.26% p.a.

3.26% p.a.

RM134

Affin Islamic Bank

General Investment Account-i

Standard

RM5,000

3.06% p.a.

3.06% p.a.

RM126

Affin Bank

Affin Bank Fixed Deposit

Standard

RM5,000

3.05% p.a.

3.05% p.a.

RM125

Maybank

Maybank Fixed Deposit Account

Standard

RM5,000

3.00% p.a.

3.00% p.a.

RM123

Hong Leong Bank

Mach FD

Standard

RM5,000

3.00% p.a.

3.00% p.a.

RM123

Bank Name

Product Name

OCBC Bank

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

OCBC Mega Save 2 'CASA' 3-month Fixed Deposit

CASA + FD

RM15,000

4.20% p.a.

3.77% p.a.

RM464

Bank Rakyat

Akaun Deposit-I Makeen

Standard

RM500

3.65% p.a.

3.65% p.a.

RM450

Hong Leong Bank

Golden Opportunity 3-month CASA FD Promo

CASA + FD

RM10,500

3.30% p.a.

3.15% p.a.

RM390

Hong Leong Bank

Mach FD

Standard

RM1,000

3.15% p.a.

3.15% p.a.

RM389

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.10% p.a.

3.10% p.a.

RM383

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Akaun Deposit-I Makeen

Standard

RM500

3.75% p.a.

3.75% p.a.

RM929

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.26% p.a.

3.26% p.a.

RM808

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.25% p.a.

3.25% p.a.

RM806

Hong Leong Bank

Mach FD

Standard

RM1,000

3.25% p.a.

3.25% p.a.

RM806

AmIslamic Bank

Am50Plus Investment Account-i

Standard

RM5,000

3.25% p.a.

3.25% p.a.

RM806

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Akaun Deposit-I Makeen

Standard

RM500

3.85% p.a.

3.85% p.a.

RM1,437

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.35% p.a.

3.35% p.a.

RM1,252

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.35% p.a.

3.35% p.a.

RM1,251

AmIslamic Bank

AmIslamic Bank

Standard

RM5,000

3.29% p.a.

3.29% p.a.

RM1,229

Hong Leong Bank

Mach FD

Standard

RM1,000

3.25% p.a.

3.25% p.a.

RM1,214

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Akaun Deposit-I Makeen

Standard

RM500

4.01% p.a.

4.01% p.a.

RM2,005

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.61% p.a.

3.61% p.a.

RM1,804

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.60% p.a.

3.60% p.a.

RM1,800

Hong Leong Bank

Mach FD

Standard

RM1,000

3.40% p.a.

3.40% p.a.

RM1,700

Bank Simpanan Nasional

BSN Fixed Deposit Account

Standard

RM500

3.35% p.a.

3.35% p.a.

RM1,675

Device Price

Monthly Quota

Minimum Monthly Fee

12-month Cost of Ownership

iValue Simple

RM2,249

1GB

RM50

RM2,849

Celcom

Celcom First Prime + RM58 Mobile Internet

RM1,808

4.05GB

RM98

RM2,984

Maxis

iValue 1

RM1,899

1GB

RM100

RM3,099

Celcom

Celcom First Prime + RM88 Mobile Internet

RM1,698

6.05GB

RM128

RM3,234

Celcom

Celcom First Premier + RM88 Mobile Internet

RM1,548

6.10GB

RM168

RM3,564

Telco

Plan Name

DiGi

Telco

Plan Name

Maxis

Device Price

Monthly Quota

Minimum Monthly Fee

24-month Cost of Ownership

iDiGi 88

RM1,493

1.00GB

RM88

RM3,605

Celcom

Celcom First Prime + RM58 Mobile Internet

RM1,438

4.05GB

RM98

RM3,790

Maxis

iValue 1

RM1,599

2.00GB

RM100

RM3,999

Celcom

Celcom First Prime + RM88 Mobile Internet

RM1,218

6.05GB

RM128

RM4,290

DiGi

iDiGi 138

RM1,085

3.00GB

RM138

RM4,397

november_co.indd 23

11/6/2013 7:23:17 PM

24

november_co.indd 24

NOVEMBER 2013

11/6/2013 7:23:17 PM