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AUSTRALIA: NATIONAL HOUSING MARKET OVERVIEW

Written by Lily Chong, Head of IQI Australia The start of the year saw national dwelling values remain steady, with only a slight dip of 0.03% in January. While capital cities experienced a collective 0.2% decline, regional areas continued to grow, reaching new record highs with a 0.4% increase. Among the capital cities, Melbourne led the declines with a 0.6% drop, followed by the ACT (-0.5%) and Sydney (-0.4%). In contrast, Brisbane and Perth maintained growth, though at a slower pace, particularly in the detached housing market. Perth’s quarterly growth rate eased from 7.1% in June 2024 to just 1.0% in the three months to January. Meanwhile, Adelaide remained resilient, leading capital city growth over the past six months with a 4.8% increase. On an annual scale, national home value growth slowed significantly, dropping from a 9.7% peak in February 2024 to 4.3% in January. Melbourne (-3.3%), the ACT (-0.5%), and Hobart (-0.4%) recorded yearly declines, while Sydney posted a modest 1.7% gain—the lowest since June 2023. Regional Victoria was the only broad regional area to see a decline over the past year (-2.6%) . Perth Property Market SnapshotPerth’s housing market remains strong, with the median house sale price rising by 1.4% in January to $750,000—an impressive 23% increase year-on-year. Units also saw positive movement, with the median price increasing by 1.0% to $500,000, reflecting a 20.5% annual rise.According to REIWA CEO Cath Hart, property prices are still on an upward trajectory but at a more measured pace compared to 2024. She noted that while some buyers are taking their time with purchasing decisions, well-presented homes in desirable locations continue to attract strong interest and sell quickly. Sellers are encouraged to set realistic prices and focus on presentation to maximize their chances in the current market. Perth Rental Market TrendsRental prices in Perth also increased, with the median dwelling rent rising 3.1% in January to $670 per week—up 8.9% from a year ago. House rents increased by 1.5% to $680 per week, marking a 6.3% annual rise, while unit rents remained steady at $650 per week, up 12.1% year-on-year.Ms. Hart highlighted that while monthly rent prices continue to fluctuate, the significant slowdown in annual growth rates suggests a more moderate rental market compared to last year. A year ago, annual rental growth was 18.3% for dwellings, 16.4% for houses, and 20.8% for units.For more global update. Click here

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Jom Buka Puasa! Here are 6 Trendy Must-Visit Bazaar Ramadhan in KL and Selangor 2025

Version: CNThe month of Ramadhan is back! This month is highly anticipated by Muslims as it is a time of worship that is rewarded more abundantly than in other months.From visiting the bazaar Ramadhan to buying food and preparing it for iftar, the experience brings about feelings of satisfaction and gratitude.The bustling atmosphere, delicious eats, and vibrant and bustling atmosphere make these bazaars a must-visit!Here’s a list of the best Ramadan bazaars in Kuala Lumpur and Selangor, Malaysia to get your tummy rumbling!List of Bazaar Ramadhan in Malaysia 2024Official Imsak and Iftar Times 2025Ramadhan Bazaars You Must Visit1. Bazaar Ramadhan Taman Melawati2. Bazaar Ramadhan Kampung Baru3. Bazaar Ramadhan Putrajaya4. Bazaar Ramadhan Taman Medan5. Bazaar Ramadhan Wangsa Maju6. Bazaar Ramadhan Stadium Shah AlamFAQsOfficial Imsak and Iftar Times 2025The #1 question that plays in the mind of every Muslim during Ramadhan is..."What time can I break my fast?"The Maghrib call to prayer that marks the time of Iftar varies according to the state and the zones within the country.Don't worry, because the complete schedule for Imsak and Iftar for all states of Malaysia in 2025 is out!Here are the Imsak and berbuka times for the state of Selangor:JADUAL IMSAK DAN BERBUKA PUASA EDARAN MEDIA_compressed (1)DownloadDo refer to this schedule so that you can perfectly plan your trip to the Ramadhan bazaars!Ramadhan Bazaars You Must VisitNow, let's get into the fun stuff:1. Bazaar Ramadhan Taman Melawatihttps://www.tiktok.com/@bestfoodmy/video/7477224746778774800The Taman Melawati Ramadan Bazaar, located nearby the Melawati Mall, is an underrated gem. While not as large as some of the other bazaars on this list, it offers plenty of variety.You'll find many delicious options, from traditional Malay sweets like kuih, tepung pelita and ondeh-ondeh to local favourites like roti john, grilled fish, and ayam gepuk.Despite its medium size, the selection is more than enough to satisfy your cravings.Getting there is a breeze, whether by Grab or by parking at Melawati Mall. If you're taking public transport, hop on Bus 222 from Wangsa Maju to AJ369 Serini Melawati; the bazaar is just a one-minute walk from there!As for crowds, it’s usually not too packed, but arriving before 6 PM is a good idea to beat the evening rush.2. Bazaar Ramadhan Kampung Baruhttps://www.tiktok.com/@malaysiafoodandtravel/video/7477152522986081543Bazaar Ramadhan Kampung Baru is one of the most popular bazaars in the whole of Malaysia. Therefore, it does not need any further introduction!Stretching along Jalan Raja Alang, this bustling market is a place for food lovers. From savoury murtabak to sweet, crispy fried cempedak goreng, there’s something to satisfy every craving. You will even spot vendors using blowtorches to sear their shawarma wraps, adding a touch of flair to the experience.Getting there is easy. If you're not driving, simply take the LRT to Kampung Baru Station and enjoy an 11-minute walk to the bazaar.It's definitely a food heaven!3. Bazaar Ramadhan Putrajayahttps://www.tiktok.com/@bestfoodmy/video/7345565803682581767Bazaar Ramadan Putrajaya, located in Presint 14, is a growing crowd favourite with a diverse menu, from takoyaki and ubi kentang to sushi and colourful drinks.Traffic picks up after 5 PM, so plan ahead! If you're driving, parking is available nearby.The nearest MRT, Putrajaya Sentral, is a 40-minute walk away, but the lively atmosphere and cultural experience make it worth the trip.4. Bazaar Ramadhan Taman Medanhttps://www.tiktok.com/@ceo_myselera/video/7477969278906502408?q=desa%20pandan%20bazaar%20ramadhan&t=1741157195307Bazaar Ramadan Taman Medan is a foodie paradise in Petaling Jaya!Whether you’re craving kuih-muih, roti jala, or something heartier like ayam kunyit, spicy fried chicken, kebabs, or crispy karipap, this bazaar has it all.Driving is an option, but parking can be tricky. For convenience, park at Taman Medan train station or take the train there and enjoy a 16-minute walk to the bazaar.5. Bazaar Ramadhan Wangsa Majuhttps://www.tiktok.com/@malaysiafoodandtravel/video/7477821936370814216Bazaar Ramadan Wangsa Maju is the longest and biggest bazaar in Kuala Lumpur, Malaysia!From fresh seafood to classic favourites like nasi lemak, nasi kukus, and mee goreng, this bazaar is the perfect place to break your fast and enjoy the festive atmosphere.Since the bazaar gets incredibly crowded, it's best to park at the Wangsa Maju LRT station, just a short walk away, for a hassle-free visit.6. Bazaar Ramadhan Stadium Shah Alamhttps://www.tiktok.com/@bestfoodmy/video/7477877378606222599 Bazaar Ramadan Stadium Shah Alam, located near the iconic Shah Alam Stadium, is one filled with a delightful array of traditional and mouthwatering treats.With over 200 stalls, this bazaar promises a diverse range of dishes, from nasi itik (duck rice) to BBQ chicken wings, cheesy roti john, and murtabak Singapura.The lively atmosphere, aromatic scents, and colourful displays create an unforgettable experience.FAQsWhat is Bazaar Ramadhan? Ramadan is a month of fasting leading up to Hari Raya Aidilfitri, but it’s also a time of vibrant food bazaars and buffets, making every iftar a feast to look forward to!How long is Ramadan Bazaar? Ramadan bazaar usually begins on 1st March and ends on 31st March 2025.IQI Global is the real estate proptech group that powers property transactions locally and globally. Join us and our team of agents today![hubspot portal="5699703" id="c063034a-f66d-41ab-881b-6e6a3f275c33" type="form"]Continue reading:1. Excited for Raya 2025? Here’s Everything You Need To Know About Hari Raya Aidilfitri!2. Raya Open House: The Do’s, the Don’ts and the Downright Ugly3. Celebrate Raya in Style! 10 Destinations to Visit in Malaysia for Raya Holidays

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Do I Need to Pay Tax on Rental Income? A Property Owner’s Guide 

Owning property in Malaysia is a smart way to build wealth, whether you're running an Airbnb or renting out residential properties. But before you start celebrating your rental profits, there’s one thing that could catch you off guard: taxes. Yes, the rental income you’re earning is taxable, and understanding how to handle it correctly is important to keeping things above board and avoiding unwanted penalties in the future. Want to know more about rental income tax and how to file it properly? Keep reading to learn more!  Everything About Rental Income Tax What is Rental Income Tax?   Who Should Pay Rental Income Tax?  When to Pay Rental Income Tax?   Where to File Rental Income Tax?  Why is it Important to Rental Income Tax?   What Happened If You Don’t Pay Tax?   Frequently Asked Questions (FAQ’s) What is Rental Income Tax?  Rental income tax is the tax applied to money earned from renting properties.   In Malaysia, this income is combined with the taxpayer's overall income, which includes salary and business earnings.  Rental income is taxed at a progressive rate, meaning that as your income increases, so does your tax rate.  Property owners can also deduct specific expenses related to their rental properties, like mortgage interest, maintenance costs, and property management fees, to lower their taxable income. Who Should Pay Rental Income Tax? The rental income tax in Malaysia is applicable to all property owners generating income from residential, commercial, or industrial properties.  This includes individuals renting out a single residential unit as well as large investors with multiple commercial properties, as the tax regulations affect anyone receiving rental payments.Additionally, landlords earning rental income via property management firms or agents must report this income to the Inland Revenue Board of Malaysia (LHDN) for tax obligations. When to Pay Rental Income Tax?  In Malaysia, the timeline for reporting rental income tax is the same as the individual tax filing deadline.If you're a property owner earning rental income in 2024, your tax filing deadline is April 30, 2025. Remember, failing to file on time or not reporting your rental income can lead to penalties or fines from LHDN. So, make sure you're ready to submit your tax return well before the deadline!  Where to File Rental Income Tax? Filing your rental income tax is easy using Malaysia’s LHDN MyTax portal. This platform helps both individuals and businesses file their taxes online quickly.   For a detailed step-by-step guide, read on How to File Your 2025 Income Tax in Malaysia.  If you have questions about the filing process, consider reaching out to a tax expert or a real estate agent who knows the tax rules for properties. Why is it Important to Rental Income Tax?  Paying tax on rental income is not only a legal requirement but also promotes transparency in the real estate market and supports national growth.  By following tax laws, property owners can steer clear of penalties and ensure their rental income is properly recorded.  You can checkout the full list of the 2025 Income Tax Relief.  Knowing how rental income tax operates in Malaysia is important for property owners.  By keeping yourself updated and organized, you can reduce your tax responsibilities and make sure your property investment remains profitable and compliant in 2025. What Happened If You Don’t Pay Tax?  If the property owner misses the tax return deadline on April 30, they might face a late filing penalty. This penalty can either be a set amount or a percentage of the taxes owed. Additionally, if LHDN detects that rental income is not reported or paid, they may conduct an audit to investigate the property owner's financial records.  In serious situations, not following tax rules repeatedly can lead to legal trouble.  This could mean facing prosecution, which might result in criminal charges, fines, or even jail time, especially for people who deliberately skip paying taxes. So, remember to file your rental income tax by April 30 to avoid penalties or legal issues!Stay on top of your tax responsibilities to ensure your property investment remains compliant.Frequently Asked Questions (FAQ’s) 1. What is rental income tax in Malaysia? Rental income tax is a tax on money earned from renting properties, taxed as part of your total income. 2. Who is required to pay rental income tax in Malaysia?  Anyone earning rental income from residential, commercial, or industrial properties must pay rental income tax. 3. How are rental income taxes calculated?  Rental income is taxed progressively, and you can deduct certain expenses to lower your taxable income. 4. When is the rental income tax filing deadline?  The filing deadline for 2024 rental income is April 30, 2025. 5. Where do I file my rental income tax in Malaysia?  You can file through the LHDN MyTax portal online. 6. Why is paying rental income tax important?  Paying tax is required by law, helps maintain market transparency, and avoids penalties.7. What happens if I don’t pay my rental income tax?  You may face penalties, an audit, or even legal consequences for non-payment. 8. Can I deduct expenses related to my rental property from my taxable income?  Yes, you can deduct expenses like mortgage interest, maintenance costs, and management fees. 9. Is it worth hiring a tax consultant to file my rental income taxes?  Hiring a tax consultant ensures your taxes are filed correctly and helps you take advantage of deductions. Continue Reading: A Comprehensive Guide On Buying Property In Malaysia 2024Property Purchase and Rental Price in Malaysia MarketWhat Are The Hidden Costs of Owning a Rental Property?

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Best Housing Loan Rates to Secure in March 2025

Version: CN, BMFinding the best house loan interest rates in Malaysia can be challenging, especially with various options available. Critical terms like home loan, housing loan, and loan tenure are crucial for making informed decisions. This guide will help you navigate the different types of loans, their interest rates, and other essential aspects to consider when looking for a dream home.In March 2025, several financial institutions in Malaysia offer competitive house loans and home financing options. Here's a quick overview:1. Best Housing Loan Rates in March 2025Bank NameHouse Loan NameProfit RateFinancing TypeTenureLock-In PeriodMaybank IslamicHouzKEYFrom 2.88% p.a.Term Islamic FinancingUp to 35 years1 YearBank IslamBaiti Home Financing-iFrom 3.8% p.a.Term Islamic FinancingUp to 35 years / age 70NoneStandard CharteredMortgageOne From 3.9% p.a.Full-Flexi loanUp to 35 yearsNoneBank of ChinaHousing LoanFrom 3.88% p.a.Term loanUp to 35 years3 YearsPublic Bank5 Home PlanFrom 4.22% p.a.Semi-Flexi loanUp to 35 years3 YearsSource: RinggitplusThese banks offer a range of housing and home loans that cater to different needs, whether you're looking for a flexible or term loan.Table of Contents1. Best Housing Loan Rates in March 20252. Understanding the Effective Lending Rate (ELR)3. Understanding House Loan Interest Rates4. How Should You Compare Lending Rates Across Banks as Borrowers?5. How to Plan and Compare Your House Loan Interest Rates?Critical Terms in Home Financing1. Maybank Islamic HouzKEYSource: MaybankRequirementsCriteriaAge18 to 70 years oldEligibilityMalaysian citizen onlyMust not have more than one (1) home financing at the point of applicationSalaried employee, Self-employedUp to 3 guarantors allowedSource: MaybankFees & ChargesCriteriaLate Penalty Fee1% p.a. on the outstanding amountProcessing FeeNo FeeEarly Settlement FeeNo FeeSource: MaybankBenefitsDescriptionFull 100% FinancingGet full financing with no downpayment requiredNo Payment During ConstructionWe help to finance the cost during construction.LOWEST Monthly PaymentEnjoy the lowest monthly payments with the best rates.Source: MaybankYou may visit the Maybank website for more information.2. Bank Islam Baiti Home Financing-iSource: Bank IslamRequirementsCriteriaAgeAge 18 and aboveMinimum Annual IncomeRM24,000EligibilityMalaysian CitizenNot a bankrupt or have any legal actionGainfully employed or Profitable business for at least 3 yearsMinimum 1-year good payment track recordSource: Bank IslamFees & ChargesCriteriaLate Penalty Fee1% p.a. on the overdue installments until the date of full payment, and this applies to the Facility before maturity. If after maturity, you will be charged with a sum equivalent to the prevailing daily overnight Islamic Interbank Money Market Rate on the outstanding balance i.e., outstanding Sale Price less Ibra’, if anyProcessing FeeWaivedEarly Settlement FeeThere is no 'lock-in period' for this Facility, and Bank Islam shall grant Ibra' on the deferred profit after full settlement is made.Redemption Letter FeeThere is no 'lock-in period' for this Facility, and Bank Islam shall grant Ibra' on the deferred profit after full settlement.Letter for EPF Withdrawal FeeRM20 per requestInsurance TypesMRTTMLTTHouseowner/Householder TakafulSource: Bank IslamBenefitsCriteriaMargin of financingHigh Margin of financing up to 90%No compounding elements-No penalty for early settlement-Tenureup to 35 years or age 70No lock-in period-Source: Bank IslamYou may visit Bank Islam website for more information.3. Standard Chartered MortgageOneSource: Standard CharteredRequirementsCriteriaAge21 to 70 years oldMinimum Gross IncomeRM4,000 / monthEligibilityMalaysians onlySalaried employee, Self-employedSource: RiggitPlusFees & ChargesCriteriaLate Penalty Fee1% p.a. of the outstanding amountProcessing FeeRM200 setup fee for MortgageOne™Early Settlement FeeNILRedemption Letter FeeRM50 per requestLetter for EPF Withdrawal FeeRM20 per requestCancellation Fee2.25% of the loan amount if the bank bears the entry cost. Otherwise, it's 0.5%Insurance TypesFire InsuranceMRTASource: RiggitPlusBenefitsDescriptionRedraw FacilityWithdraw excess cash paid into your home loan account for personal use at any time without restrictions and penalty.Priority Banking privilegeIf you're a Standard Chartered Priority Banking customer, the bank might offer you lower interest rates (subject to approval).Source: RiggitPlusYou May visit the Standard Chartered website for more information.4. Bank of China Housing LoanSource: Bank of China MalaysiaRequirementsCriteriaAge18 to 70 years oldMinimum Annual IncomeRM60,000EligibilityMalaysiansPermanent Residents, Foreigners working in MalaysiaSalaried employee, Self-employedSource: RiggitPlusFees & ChargesCriteriaLate Penalty Fee1% p.a. on the amount in arrears causing the total outstanding to increaseProcessing FeeWaivedEarly Settlement Fee2.25% Prepayment/Full settlement within the first 3 years from the date of first release of the loanInsurance TypesFire Insurance (Mandatory)Houseowner Insurance (Optional)MRTA (Optional)MLTA (Optional)Source: RiggitPlusYou may visit the Bank of China Malaysia website for more information5. Public Bank 5 Home PlanSource: Public BankRequirementsCriteriaAge21 to 70 years oldMinimum Annual IncomeRM24,000EligibilityAny nationalitySalaried employee, Self-employedSource: RiggitPlusFees & ChargesCriteriaLate Penalty Fee1% p.a. of the outstanding amountWithdrawal FeeRM50 Processing FeeRM50 to RM200, depending on the financing amountEarly Settlement Fee2% to 3% within 3-year retention period, depending on loan sizeRedemption Letter FeeRM50 per requestLetter for EPF Withdrawal FeeRM20 per requestInsurance TypesMRTASource: RiggitPlusYou may visit the Public Bank website for more information2. Understanding the Effective Lending Rate (ELR)Source: Bank Negara MalaysiaThe Effective Lending Rate (ELR) is a critical component when evaluating home loans. It represents the total cost of borrowing, expressed as an annual percentage rate. The ELR includes the reference rate and the spread, which collectively impact your monthly repayments.Reference Rate: This is the base rate, like the Standardised Base Rate (SBR), which is influenced by Bank Negara Malaysia's policies.Spread: Additional charges include credit and liquidity risk premiums, operating costs, and the bank’s profit margin.The ELR is crucial as it affects the total repayment amount and helps borrowers compare different loan products effectively.What is the Reference Rate?Source: Bank Negara MalaysiaThe reference rate is a benchmark interest rate used by Malaysian banks to determine the changes in borrowers' repayments on floating-rate loans throughout the tenure. This rate can vary between institutions but is a foundation for setting the lending rate.Is the Reference Rate Equal to the Standardised Base Rate (SBR)?No, the reference rate differs from the Standardised Base Rate (SBR). The SBR is a specific reference rate that standardizes the base rate across all banks. Introduced on 1 August 2022, the SBR is directly linked to the Overnight Policy Rate (OPR) set by Bank Negara Malaysia. This standardization aims to simplify the comparison of loan rates across different banks.Is the Reference Rate Equal to the Overnight Policy Rate (OPR)?The reference rate can include the OPR as a component, especially when the SBR is used. The OPR is the interest rate at which banks lend to each other overnight and is set by the central bank. Changes in the OPR directly influence the SBR, affecting the reference rate used for loans.What is Spread?The spread is an additional percentage added to the reference rate to arrive at the ELR. It covers various costs and risks incurred by the bank, including:Credit Risk Premium: Compensation for the risk that a borrower might default.Liquidity Risk Premium: Compensation for the risk associated with the bank’s liquidity.Operating Costs: Day-to-day costs of running the bank.Profit Margin: The bank’s earnings from the loan.The spread is generally fixed for the duration of the loan unless there is a significant change in the borrower’s credit risk profile.3. Understanding House Loan Interest RatesUnderstanding the mechanics of interest rates and how they impact repayments is essential for making informed decisions about Malaysian house loans.What are House Loan Interest Rates?House loan interest rates are the percentage banks charge on the loan's principal amount. These rates determine the cost of borrowing and are influenced by various factors, including the central bank’s policies and the individual bank's cost structures.How to Calculate House Loan Interest Rate?Source: Bank Negara MalaysiaCalculating your home loan interest rate is essential for understanding how much you will pay over time.Use a home loan calculator to determine your monthly instalments and total repayment. Here’s an example:Example Calculation:Bank’s Base Rate (BR): 2.00%Spread: 1.50%ELR: BR + Spread = 2.00% + 1.50% = 3.50%For a loan amount of RM300,000 over 30 years, the monthly instalment would include the interest and principal repayment. Understanding these calculations can help you save money and manage your loan tenure effectively:Annual Interest Amount: RM300,000 x 3.50% = RM10,500Monthly Interest Amount: RM10,500 / 12 = RM875Thus, the monthly repayment would include RM875 in interest plus the principal repayment.What Can Affect Your House Loan Interest Rate?Several factors can influence your house loan interest rate, including:Central Bank Policies: Changes in the Overnight Policy Rate (OPR) by Bank Negara Malaysia can directly impact interest rates.Economic Conditions: Inflation and economic stability can influence interest rates.Borrower’s Credit Score: Higher credit scores often result in lower interest rates.Loan Tenure: Longer loan tenures can sometimes attract higher interest rates.4. How Should You Compare Lending Rates Across Banks as Borrowers?Comparing lending rates across banks involves more than just looking at the ELR. Consider the following steps:Review the ELR and Spread: Compare the total cost of borrowing.Understand Additional Fees: Be aware of any extra fees that might apply.Read the Product Disclosure Sheet (PDS): This document provides crucial details about the loan.5. How to Plan and Compare Your House Loan Interest Rates?When planning a home loan, consider the property value, loan amount, and loan tenure. Use a loan calculator to estimate your monthly instalments and ensure you understand all associated fees. Planning and comparing Malaysia house loan interest rates require a strategic approach:Research Different Lenders: Identify potential lenders and their offerings.Interest Rates: Compare the interest rates offered by different banks.Additional Features: Evaluate foreclosure charges and other loan features. Some loans include extra funds withdrawal or linked current accounts for easier management.Read Reviews: Learn from the experiences of other borrowers.Seek Professional Advice: Consult with financial advisors if needed.Maximum Loan Tenure: Most banks offer up to 35 years.Prepayment Options: Check if the bank allows for additional payments without penalties.Insurance Requirements: Most housing loans require Mortgage Reducing Term Assurance (MRTA) or other types of insurance.Flexibility: Compare loans that offer flexible repayment options, like a flexi loan or semi-flexi loan (make sure to understand the terms and conditions).Critical Terms in Home FinancingUnderstanding key terms related to home financing is crucial for navigating the market:Outstanding Principal Balance: The remaining amount you owe on your loan, excluding interest.Home Loan Balance: The total amount left to pay on your home loan.Basic Term Loan: A standard loan with fixed interest rates and repayment terms.Loan Period: The total time over which you will repay the loan.Mortgage Reducing Term Assurance: Insurance that decreases as your loan balance decreases.Choosing the right house loan or home loan in Malaysia requires careful consideration of several factors, including the interest rate, loan tenure, and associated fees. By understanding the options available and using tools like a home loan calculator, you can make a more informed decision that aligns with your financial goals and helps you secure your dream home.Are you looking for a dream house after getting the best house loan interest rates? We can assist you! Send us your details, and we will contact you soon! [hubspot portal="5699703" id="85ebae59-f425-419b-a59d-3531ad1df948" type="form"]Continue Reading:OPR Remains at 3%: How Does This Affect Housing Loans?Is Now the Perfect Time to Invest in Malacca’s Property? Explore Malacca’s Potential!Fixed Deposit: Which Bank Has the Best FD Rates for July 2024? + Quick Guide to Fixed Deposits (FD & FD-i)

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