Version: EN, BM众所周知，定期存款（Fixed Deposit）是最安全性和稳定性高的投资产品。若想在锁定期内赚取更高的利率 ，就要跟进每个月银行fixed deposit利率的更新。来看看马来西亚各大银行12月的定存利率吧！阅读内容Alliance BankPublic BankCIMB BankHong Leong BankMaybankRHB BankOCBC Bank虽说定期存款是一项安全性高的投资，但它仍有一定的风险。在决定将你的存款进行fixed deposit投资之前，先让我们来了解定期存款的基本概念。银行定期安全吗？相较股票、基金等投资产品，定期存款的确是更安全和稳定的投资产品。这是因为马来西亚银行的定存受马来西亚存款保险机构（PIDM）法令所保护，若银行不幸倒闭，PIDM将作出赔偿。加上定存投资可以确保你的原本资金不会亏损，因此是不少投资小白的入门选择。定期存款的钱可以取出吗？定存顾名思义是要需要将钱存放在银行特定的期限内不能提出。但在逼不得已的情况下，你依然可以将钱取出，只是无法赚取利息，或者利息减半。Alliance Bank定存利率： 3.80%锁定期：6个月优惠日期：2024年10月1日 – 2025年3月31日最低存款额：RM10,000优惠详情与条件：此优惠仅限于Alliance Bank新用户；新用户必须在30天内到银行柜台存放。照片取自：Alliance Bank官网Public Bank锁定期定存利率3个月3.50%6个月3.70%优惠日期：2024年10月1日 - 12月31日最低存款额：RM5,000优惠详情与条件：用户必须以'Fresh Funds'的方式将钱从其他银行转账至Public Bank Bank户口存放。而且，必须在7日内完成存放。照片取自：Public BankCIMB Bank锁定期定存利率3个月3.45%6个月3.60%优惠日期：2024年10月1日 - 12月31日最低存款额：RM1,000优惠详情与条件：用户可以使用 CIMB Clicks 网站存入，并且以FPX的方式将钱从其他银行转账至CIMB Bank户口存放。照片取自：CIMB Bank官网Hong Leong Bank锁定期定存利率9个月3.85%优惠日期：2024年12月2日 - 1月5日最低存款额：RM1,000优惠详情与条件：用户必须使用 HLB Connect Online，并且以FPX的方式将钱从其他银行转账至Hong Leong Bank户口存放。Maybank锁定期定存利率6个月3.70%优惠日期：2024年8月28日 - 12月31日最低存款额：RM1,000优惠详情与条件：用户可以通过 M2U 网站并且以FPX的方式将钱从其他银行转账至MayBank户口存放。照片取自：Maybank官网RHB Bank符合资格的用户定存利率锁定期最低存款所有RHB用户3.70%6个月RM5,000仅限于RHB Premier用户3.80%6个月RM20,000优惠日期：2024年12月1日 - 12月31日优惠详情与条件：用户必须使用 RHB Mobile Banking App 或者 RHB Online Banking进行存放。照片取自：RHB Bank官网OCBC Bank定存利率锁定期3.80%6个月优惠日期：2024年10月10日 - 12月31日最低存款额：RM1,000优惠详情与条件：用户必须到OCBC Bank柜台以'Fresh Funds'的方式将钱从其他银行转账至OCBC Bank户口存放。而且，必须在7日内完成存放。除了定期存款，其实还有很多值得考虑的投资产品供你选择。留守每个月的定存利率优惠，做个精明的投资者！正在寻找保值且回酬高的投资方案？不妨考虑房地产投资！今天就联系IQI，让我们为你找到最佳房地产投资！[hubspot portal="5699703" id="c063034a-f66d-41ab-881b-6e6a3f275c33" type="form"]延伸阅读：什么是Refinance？房贷未还清也能这样省利息、提取现金！8个我不说你不知的隐形消费！Cut掉这些费用轻松省出“头期”资金不多的新手小白也能投资房地产？10大马来西亚 REITs 你必知！

Version: CN, BMFixed Deposits (FD) and Fixed Deposit-i are widely trusted investment options in Malaysia, offering a secure way for people to grow their savings.These choices have become popular because they are safe, reliable, and provide consistent earnings. Let's look at these options and understand their differences, along with the current FD rates in December 2024.Your Guide to Fixed Deposits + Latest FD RatesWhat is Fixed Deposit (FD) and Fixed Deposit-i (FD-i)?What is Fixed Deposit (FD)?What is Fixed Deposit-i (FD-i)?Key Differences between FD and FD-iLatest Fixed Deposit/FD rates for November 20241. Alliance Bank2. CIMB Bank3. RHB Bank4. BSN5. Maybank6. Public BankWhat is Fixed Deposit (FD) and Fixed Deposit-i (FD-i)?What is Fixed Deposit (FD)?Fixed deposits, commonly known as FDs, are traditional savings accounts offered by banks and financial institutions.They function on a straightforward principle: you deposit a specific sum of money for a predetermined period, ranging from a few months to several years.During this tenure, the deposited amount accrues interest at a fixed rate, which is typically higher than in regular savings accounts. The interest rate remains constant throughout the agreed-upon period, providing investors with stability and predictability in their earnings.What is Fixed Deposit-i (FD-i)?Fixed Deposit-i, often referred to as Islamic Fixed Deposits, follows the principles of Islamic finance. These deposits are Shariah-compliant, adhering to Islamic laws that prohibit earning interest (Riba).Instead of earning interest, investors in Fixed Deposit-i accounts enter into a Mudarabah or Wakalah contract with the bank. Under Mudarabah, the bank pools funds from investors and engages in Shariah-compliant activities.Profits generated from these activities are shared between the bank and the investors based on agreed-upon ratios.Key Differences between FD and FD-i FDFD-iInterest vs. profit-sharingEarn a fixed interest rate on your depositUsing a profit-sharing modelShariah ComplianceOperate on interest, which might not align with Shariah principlesShariah-compliantFlexibility in TenuresA variety of tenures, accommodating both short-term and long-term investment preferencesProvides diverse tenure options, allowing you to align your investment with your specific goals and needsInvestment Profit AllocationEarnings are based on fixed interest ratesOperates on profit-sharing; returns fluctuate based on profits from Shariah-compliant activitiesLatest Fixed Deposit/FD rates for November 20241. Alliance BankOffer: Alliance Bank Fixed Deposit: Personal Welcome OfferInterest Rates: 3.80% per annum for 6 monthsMinimum Deposit: RM10,000Promotion Period: 1 October 2024 - 31 March 2025Offer details and conditions: Exclusively for Alliance Bank new account holders; must be deposited in 30 days.Source: Alliance2. CIMB BankOffer: CIMB eFixed Deposit-i (eFD-i)Interest Rates:Interest rate (%)Lock-in period3.453 months3.606 monthsMinimum deposit: RM1,000Promotion Period: 1 October 2024 - 31 December 2024Preferential Terms: Users must use CIMB Clicks Website or CIMB OCTO APP, and transfer money from other banks to CIMB Bank accounts by FPX.Source: CIMB3. RHB BankOffer: RHB Term Deposit & e‑Term DepositInterest Rates: 3.70% per annum for 6 months *for all RHB CustomerEligible CustomersTenureRateMinimum Deposit All RHB Customers6 months3.70%RM 5,000RHB Premier Customers6 months3.80%RM 20,000Promotion Period: 1 December - 31 December 2024Preferential Terms: Users must use HLB Connect Online or HLB Connect APP, and transfer money from other banks to Hong Leong Bank accounts by FPX.Source: RHB Bank4. BSNOffer: BSN Term Deposit-i with BSN SSP PlatinumInterest rate:BSN Term Deposit-iBSN SSP PlatinumPlacement ratioLock-in period5.50% per annum0.01% per annum70%:30%6 monthsMinimum deposit: RM5,000Offer period: 1 October 2024 - 31 December 2024Offer Details & Conditions: Minimum placement amount is only for ‘New Funds”. Open to new and existing Bank Simpanan Nasional (BSN) customers.Source: BSN5. MaybankOffer: Maybank e-Islamic Fixed Deposit-i (eIFD-i)Interest Rates: 3.70% per annum for 6 monthsMinimum Deposit: RM1,000Promotion Period: 28 August 2024 - 31 December 2024Offer details and conditions: Users must make eFD placement via the Maybank2U website.Source: Maybank6. Public BankOffer: PB RCB Special Fixed Deposit / Term Deposit-iInterest rates:Lock-in periodFixed deposit rate3 months3.50%6 months3.70%9 months3.55%12 months3.60%Minimum deposit: RM 5,000Promotion period: 1 October – 31 December 2024Source: Public BankFinding the best FD rates in Malaysia involves careful consideration. As a potential investor, focus on the duration, minimum deposit, and any special terms each bank offers. By understanding these details, you can make a smart investment choice tailored to your needs. Stay informed, compare options, and choose wisely to maximize your earnings!Looking for smart investment options? Interested in growing your wealth? 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Versi: EN , CN Mencari cara terbaik untuk mengembangkan simpanan anda dengan selamat? Disember 2024 membawa berita baik untuk anda!Dalam artikel ini, kami akan membongkar kadar faedah deposit tetap terbaik di Malaysia yang boleh membantu anda memaksimumkan pulangan pelaburan anda. Sama ada anda seorang pelabur berpengalaman atau baru bermula, panduan ini akan memberikan anda maklumat terkini dan promosi terbaik yang ditawarkan oleh bank-bank terkemuka. Jangan lepaskan peluang untuk mengetahui bagaimana anda boleh membuat wang anda bekerja lebih keras untuk anda!Panduan Anda untuk Simpanan Tetap + Kadar FD TerkiniApakah itu Deposit Tetap (FD) dan Deposit Tetap-i (FD-i)?Apakah itu Deposit Tetap (FD)?Apakah itu Deposit Tetap-i (FD-i)?Perbezaan Utama antara FD dan FD-i Kadar Deposit Tetap/FD terkini untuk Disember 20241. Alliance Bank2. CIMB Bank3. RHB Bank4. BSN5.Maybank6. OCBC BankApakah itu Deposit Tetap (FD) dan Deposit Tetap-i (FD-i)?Apakah itu Deposit Tetap (FD)?Deposit Tetap (FD) adalah seperti memasukkan wang anda ke dalam peti besi ajaib di bank. Jenis deposit ini dikenali kerana risiko yang rendah dan pulangan yang boleh diramalkan, menjadikannya pilihan menarik bagi pelabur yang konservatif. Tempoh pelaburan biasanya boleh berkisar dari beberapa bulan hingga beberapa tahun, dan kadar faedah yang diperoleh biasanya lebih tinggi berbanding dengan akaun simpanan biasa. Setelah tempoh matang, pendeposit akan menerima jumlah pokok bersama dengan faedah yang terkumpul. Selain itu, deposit tetap juga sering dilengkapi dengan pelbagai ciri seperti pilihan pengeluaran awal, yang mungkin dikenakan penalti, serta keupayaan untuk melaburkan semula faedah yang diperoleh. Secara keseluruhannya, deposit tetap berfungsi sebagai cara yang selamat untuk meningkatkan simpanan sambil memastikan pemeliharaan modal.Apakah itu Deposit Tetap-i (FD-i)?Deposit Tetap-i (FD-i) adalah produk simpanan yang mematuhi prinsip Syariah, menawarkan peluang kepada individu untuk menyimpan duit dengan cara halal dan mendapatkan pulangan. Ia beroperasi menggunakan kontrak seperti Mudharabah, di mana pemilik deposit (anda) memberikan wang kepada bank untuk diuruskan. Bank, sebagai pengurus, akan melaburkan wang tersebut dalam perniagaan yang dibenarkan oleh Syariah, dan keuntungan yang diperoleh akan dibahagikan antara anda dan bank berdasarkan nisbah yang telah dipersetujui. Anda boleh memilih tempoh simpanan, biasanya antara 1 hingga 60 bulan, dan semakin lama tempoh simpanan, semakin tinggi potensi keuntungan. Selepas tempoh matang, bank akan memberikan keuntungan yang telah ditetapkan—contohnya, jika anda menyimpan RM1,000 selama 12 bulan dengan keuntungan 5%, anda akan menerima RM1,050 setelah setahun. Perbezaan Utama antara FD dan FD-i Deposit Tetap (FD)Deposit Tetap-i (FD-i)Faedah vs Perkongsian Keuntungan Mendapat kadar faedah tetap ke atas deposit andaMenggunakan model perkongsian keuntunganPematuhan Syariah Tidak mematuhi syariah Mematuhi syariah Fleksibiliti Tempoh Pelbagai tempoh, memenuhi keutamaan pelaburan jangka pendek dan panjangMenyediakan pelbagai pilihan tempohPembahagian Keuntungan Pelaburan Pendapatan berdasarkan kadar faedah tetapPulangan berubah-ubah berdasarkan keuntungan daripada aktiviti yang mematuhi SyariahKadar Deposit Tetap/FD terkini untuk Disember 2024Bank Nama Produk Kadar Faedah Tempoh Promosi AllianceAlliance Personal Welcome Offer 3.80% p.a*1 Oktober 2024 - 31 Mac 2025CIMB CIMB eFixed Deposit-i (eFD-i)3.70% p.a*1 Oktober 2024 - 31 Disember 2024RHB - RHB Term Deposit- RHB e-Term Deposit- 3.70% p.a*- 3.80% p.a*1 November 2024 – 31 Disember 2024BSN - BSN Term Deposit-i- BSN SSP Platinum- 5.50% p.a*- 0.01% p.a*1 Oktober 2024 - 31 Disember 2024 MaybankMaybank e-Islamic Fixed Deposit-i (eIFD-i)3.70% p.a*28 Ogos 2024 - 31 Disember 2024OCBC Bank OCBC Fixed Deposit/-i promotion3.80% p.a* 10 Oktober 2024 - 31 Disember 20241. Alliance BankSumber : Alliance Bank Deposit Minimum: RM10,000Butiran dan syarat tawaran: Eksklusif untuk pemegang akaun baharu Alliance Bank; mesti didepositkan dalam tempoh 30 hari.2. CIMB BankSumber : CIMB Deposit Minimum: RM1,000Terma Utama: Pengguna mesti menggunakan Laman Web CIMB Clicks atau CIMB OCTO APP, dan memindahkan wang dari bank lain ke akaun CIMB Bank melalui FPX.3. RHB BankSumber: RHB Bank Deposit Minimum: RM5,000Tempoh 'Lock-In': 6 bulanTerma Utama: Ia boleh didepositkan melalui Aplikasi Perbankan Mudah Alih RHB atau Perbankan Dalam Talian RHB.4. BSNSumber: BSN Deposit Minimum: RM5,000Tempoh 'Lock-In': 6 bulanButiran Tawaran & Syarat: Jumlah penempatan minimum hanya untuk ‘Dana Baru’. Terbuka kepada pelanggan baru dan sedia ada Bank Simpanan Nasional (BSN).5.Maybank Sumber : MaybankDeposit Minimum: RM1,000Butiran tawaran dan syarat: Pengguna mesti membuat penempatan eFD melalui laman web Maybank2U.6. OCBC Bank Sumber : OCBC Bank Deposit Minimum: RM5,000Butiran tawaran dan syarat: Pengguna mesti ke kaunter OCBC Bank untuk memindahkan wang dari bank lain ke akaun OCBC Bank sebagai ‘Dana Baru’. Selain itu, pemindahan mesti diselesaikan dalam tempoh 7 hari.Sebagai kesimpulan, kadar faedah deposit tetap adalah pilihan yang bijak untuk mereka yang ingin melihat wang mereka berkembang dengan selamat. Dengan pelbagai pilihan kadar faedah yang ditawarkan oleh bank-bank terkemuka di Malaysia, anda pasti dapat mencari yang sesuai dengan keperluan pelaburan anda. Jadi, jangan tunggu lagi! Mulakan pelaburan anda hari ini dan saksikan bagaimana wang anda boleh bekerja lebih keras untuk anda. Siapa tahu, mungkin suatu hari nanti, anda akan terkejut dengan jumlah simpanan yang telah anda kumpulkan! Selamat melabur!Mencari pilihan pelaburan yang bijak? Berminat untuk mengembangkan aset kekayaan anda? Melabur dengan bijak untuk masa depan anda dengan kerjaya bersama kami - daftar di sini![hubspot portal="5699703" id="c063034a-f66d-41ab-881b-6e6a3f275c33" type="form"]Baca Selanjutnya: Kenaikan OPR – Kesan Kenaikan OPR kepada Bank dan Pengguna Potensi bank digital cetus perlumbaan mohon lesenPelaburan Menguntungkan di Malaysia! – No. 5 Paling Popular

PRIYA Kuantan is a landmark development in residential real estate, offering a unique opportunity for aspiring property owners to secure their dream homes in Pahang. This strategically located project combines affordability, quality, and community-centric living, making it a standout choice for those navigating the real estate market. With thoughtfully designed single-family homes and multi-unit buildings, PRIYA Kuantan addresses the diverse needs of modern buyers while contributing significantly to the local real estate industry.Table of contentsKey Features of PRIYA KuantanWhere is PRIYA Kuantan?Why does PRIYA Kuantan Stand Out?Types of Homes at PRIYA KuantanWhat are Nearby Attractions?Start Your New Chapter at PRIYA KuantanKey Features of PRIYA KuantanPRIYA Kuantan stands out in the residential real estate landscape with its focus on affordability and quality. The development offers homes that are built to last, featuring durable materials and improvements that ensure both comfort and practicality. Amenities such as themed parks, playgrounds, and jogging tracks create a balanced lifestyle, while proximity to urban centres makes it an ideal choice for families, professionals, and real estate investors alike.Where is PRIYA Kuantan?Located in Penor, Pahang, PRIYA Kuantan offers the perfect blend of tranquillity and convenience. Just 15 km from Kuantan city centre, this development allows residents to enjoy the benefits of city life while living in a serene and secure environment. The strategic location provides easy access to key facilities, including business hubs, shopping malls, and recreational spots, making it an excellent investment in real property.Its proximity to coastal and historical attractions, such as Teluk Chempedak Beach and Taman Gelora, adds to its appeal for both homeowners and those involved in real estate transactions.Why does PRIYA Kuantan Stand Out?When it comes to real property, PRIYA Kuantan sets itself apart through a combination of factors. The affordable pricing, starting at RM200,000 for single-family homes, ensures accessibility for first-time buyers and seasoned real estate professionals alike. Additionally, PRIYA Kuantan’s emphasis on development and sustainable construction ensures that it meets the highest standards in the real estate industry. Whether you’re looking for a home to settle down in or considering investing in real property, PRIYA Kuantan presents a compelling opportunity.Types of Homes at PRIYA KuantanPRIYA Kuantan offers two thoughtfully designed housing options:TypeSpecificationsStarting Price1-Storey Terrace House20’ x 70’RM200,0001-Storey Semi-Detached House40’ x 80’RM300,000The single-storey terrace houses, measuring 20’ x 70’, provide an excellent balance of affordability and space, with prices starting from RM200,000. For those seeking more privacy and room, the single-storey semi-detached houses, sized at 40’ x 80’, are available from RM300,000. Both types of houses feature permanently attached amenities, ensuring long-term comfort and convenience.The availability of different types of homes ensures that the project caters to a wide range of preferences, making it a standout in the market for residential and commercial real estate.Both options cater to different family sizes, providing ample space and privacy to suit your needs.What are Nearby Attractions?Beaches and NatureTeluk Chempedak Beach: A must-visit spot with pristine sands, crystal-clear waters, and nearby cafes for a perfect family day out.Pantai Balok: A favourite for kite surfing and windsurfing enthusiasts, with ample open spaces for recreation.Cherating Beach: Known for its turtle conservation efforts, this tranquil beach is ideal for relaxation and family picnics.Cultural and Historical LandmarksPahang State Museum: Immerse yourself in Pahang’s rich heritage through artefacts, traditional costumes, and historical displays.Sultan Ahmad Shah Mosque: An architectural marvel showcasing intricate Islamic design, open to all visitors.Sungai Lembing: A former mining town where you can explore underground tin mines, visit the museum, and hike Panorama Hill for breathtaking sunrise views.Culinary AdventuresKuantan Night Market: to seafood restaurants serving freshly caught delicacies like grilled fish and chilli crab.Seafood Restaurants: Savour dishes like grilled fish, steamed prawns, and chilli crab at renowned coastal eateries.Start Your New Chapter at PRIYA KuantanWith its strategic location, diverse housing options, and proximity to key attractions, PRIYA Kuantan offers unparalleled value in the real estate market. Whether you’re a first-time buyer, a seasoned investor, or someone looking for a family-friendly community, PRIYA Kuantan provides the ideal blend of affordability, quality, and lifestyle.Take the next step in your journey today. Explore PRIYA Kuantan and discover why it’s the perfect place to call home.Take the next step and explore the full potential of the Kuantan real estate market! Whether you're looking for your dream home or a smart investment, our expert real estate professionals are here to guide you. Start your journey with us today – enquire now to get started![hubspot portal="5699703" id="f817be78-f5ba-4553-8865-58a7a451ce6b" type="form"]