NOVEMBER 2013
1
magazine
MALAY
SIA
AL
AY S I A
november_co.indd 1
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2
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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3
NOVEMBER 2013
1
ER 2013
NOVEMB
magazine
ney.my
by savemo
ER 2013
NOVEMB
ey SaveMonion
MALAY
SIA AL
3(033635)
306/10/201
KKDN: PP18
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Travel Ed
AY S I A
for My vel Agent
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The SaveM
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Hotel Vouc
Giveaway!
one of the n you are voucher whe No.1 Money Saving SUI Hotel Malaysia’s Win a SUN sign up with lucky 5 to at: ne onli /magazine Community
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www.savem
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Turn to pag .
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condi * Terms and
november_co.indd 3
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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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11/6/2013 7:22:58 PM
10
NOVEMBER 2013
Travel Edition
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11/6/2013 7:22:59 PM
11
NOVEMBER 2013
Travel Edition
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12
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
november_co.indd 13
11/6/2013 7:23:07 PM
14
NOVEMBER 2013
Travel Edition
BUDGET november_co.indd 14
11/6/2013 7:23:07 PM
15
NOVEMBER 2013
Travel Edition
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16
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
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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