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Version: EN, BM作为一名房奴，当你的房屋贷款（house loan）被银行批准后，紧接下来要面对的就是巨额的房贷利息（house loan interest）！想早点还清房贷，借贷者可以通过观察各银行的房贷利率，选择最适合自己财务能力的贷款配套。现在，就让我们一起来看看马来西亚各大银行12月推行的房屋贷款利率吧！ 阅读内容：1. Maybank Islamic HouzKEY2. Bank Islam Baiti Home Financing-i3. Standard Chartered MortgageOne4. Bank of China Housing Loan5. Public Bank 5 Home Plan房屋贷款利率怎么算？ 自2022年8月1日起，马来西亚的房屋贷款利息将依据标准基准利率（Standardised Base Rate, 简称SBR）来调整。 由于标准基准利率（SBR）与国家银行的隔夜政策利率（OPR）紧密相关，因此所有银行都采用相同的利率。这意味着，一旦OPR调整，SBR也会随之调整。标准基准利率（Standardised Base Rate）+ 利差（Spread）= 有效贷款利率（Effective Lending Rate） 假设你的贷款金额为 RM300,000，贷款期限为 30 年，贷款利率是3.50%，以下则是年利息和月利息的计算方法： 年利息金额：RM300,000 x 3.50% = RM10,500 月利息金额：RM10,500 / 12 = RM875 因此，每月的还款数额会是本金，并额外加上 RM875 的利息。 2024年马来西亚房屋贷款利率是多少？ 以下是马来西亚各大银行在11月推行的房屋贷款利率：1. Maybank Islamic HouzKEY图片来源：Maybank年利率：2.88%起贷款期限：最长可达35年锁定期：一年所需费用逾期罚款未偿金额的 1% 年利率手续费无提前结算费无仅限18至70岁的马来西亚公民，且需为受薪雇员或自雇人士。申请时，不可拥有超过一笔住房贷款，最多允许3名担保人。用户可浏览 Maybank 网站获取更多详情。2. Bank Islam Baiti Home Financing-i图片来源：Bank Islam年利率：3.8%起贷款期限：最长可达35年锁定期：无最低年收入为RM24,000的马来西亚公民，18岁以上，不是破产人士且无任何法律纠纷。申请者至少3年稳定工作或经营盈利业务，并且有至少1年的良好还款记录。所需费用逾期罚款未偿金额的 1% 年利率手续费无提前结算费无赎回函费用每次请求的费用为 RM50公积金提款费信函每次请求的费用为 RM20保险种类Mortgage Reducing Term Takaful (MRTT) / Mortgage Level Term Takaful (MLTT)HOT (Houseowner/Householder Takaful Plan) Houseowner/Householder Takaful欲了解更多详情，请浏览 Bank Islam 网站。3. Standard Chartered MortgageOne图片来源：Standard Chartered年利率：3.9%起贷款期限：最长可达35年锁定期：无最低月收入为RM4,000，年龄在21至70岁之间，需为马来西亚公民，且为受薪雇员或自雇人士。所需费用逾期罚款未偿金额的 1% 年利率手续费RM200提前结算费无赎回函费用每次请求的费用为 RM50公积金提款费信函每次请求的费用为 RM20取消费如果银行承担费用，则为贷款金额的2.25%；否则，取消费用为0.5%。保险种类Fire InsuranceMRTA用户可到 Standard Chartered 网站获取更多详情。4. Bank of China Housing Loan图片来源：Bank of China Malaysia年利率：3.88%起贷款期限：最长可达35年锁定期：三年最低年收入为RM60,000，年龄在18至70岁之间，马来西亚公民或永久居民、在马来西亚工作的外国人均可申请，需为受薪雇员或自雇人士。所需费用逾期罚款未偿金额的 1% 年利率手续费无提前结算费预付款或全额还款需支付2.25%费用（自贷款首次发放日起的前3年内）保险种类Fire Insurance （强制性）Houseowner Insurance （可自选）MRTA（可自选）MLTA（可自选）想获取更多详情，可浏览 Bank of China 网站。5. Public Bank 5 Home Plan图片来源：Public Bank年利率：4.22%起贷款期限：最长可达35年锁定期：三年最低年收入为RM24,000，年龄在21至70岁之间，任何国籍的受薪雇员或自雇人士均可申请。所需费用逾期罚款未偿金额的 1% 年利率提款费RM50手续费RM50 - RM200（取决于受批准贷款额）提前结算费3 年保留期内为 2% 至 3%，具体取决于贷款规模赎回函费用每次请求的费用为 RM50公积金提款费信函每次请求的费用为 RM20保险种类MRTA想获取更多详情，可浏览 Public Bank 网站。由于利息浮动将直接影响未来二十年的还款金额，因此在了解各大银行提供的房屋贷款利率及详细信息后，借贷者应根据自身条件选择最合适的贷款方案，以获得最大效益。当然，还清房贷后，千万别忘了办理后续手续，只有这样房子才真正属于你哦！买房费用太大？担心一辈子只能买一间房？在IQI，只要你努力达成业绩，实现成为包租公/包租婆的梦想绝对不成问题！现在就填写表格与我们联系！[hubspot portal="5699703" id="c063034a-f66d-41ab-881b-6e6a3f275c33" type="form"]延伸阅读：国家银行连续7次维持OPR在3%，对你的房屋贷款有什么影响？马六甲房价竟然是全马最低？本地人和外国人都爱选这3区投资买房！10月FD利率哪家银行最给力？最高可享3.8%利息！

Version: EN森林城市，由碧桂园集团倾力打造，曾被寄予厚望，但近年来却因“鬼城”的称号而备受关注。 这座占地广阔的城市，坐落于马来西亚柔佛州，毗邻新加坡。 规划之初，森林城市以先进的城市设计、优美的自然环境和与众不同的配套设施吸引了众多目光。然而，现实与理想却存在差距，城市内人烟稀少、商业氛围不足。 在2025年财政预算案里，森林城市被纳入为免税岛，而主要目的是为了振兴这座沦落为“鬼城”的各领域发展。 如果你不曾听说过森林城市，也不了解为何如今它会被重点关注，那就让我们带你游览森林城市！ 阅读内容1. 一个绿色、智慧、未来的理想之城  2. 被赋予“鬼城”称号的现状  3. 森林城市的独特卖点4. 设立家族办公室可享零税务优惠  1. 一个绿色、智慧、未来的理想之城 由碧桂园集团与Esplanade Danga 88联合打造的森林城市，占地约30平方公里，是一座雄心勃勃的未来之城。 项目以“绿色、智慧、未来”为核心理念，将环保的设计理念、先进的科技与现代化的都市生活方式完美融合。 通过将环境、科技和产业的顶尖设计相结合，森林城市致力于打造一个优雅的理想生活与工作空间，为人们呈现一个可持续发展的未来城市蓝图。 政府也致力于发展森林城市（Forest City），并把它列为经济特区，以吸引海外人才和国内外的投资者，自然而然也带火当地房地产。2. 被赋予“鬼城”称号的现状 森林城市是否为“鬼城”一直备受争议。 之所以被贴上这样的标签，主要是因为这座城市的高楼大厦与人烟稀少的景象形成了鲜明对比。 尽管拥有现代化的度假设施，但空旷的街道和闲置的商铺却让这座城市显得有些冷清。 网络上关于森林城市的评价褒贬不一。一些人认为，这座城市的环境和设施管理得很好，但更多的人将它视为一座“鬼城”。 事实上，除了免税店和水上乐园等少数几个地方，城市的大部分区域都显得有些冷清。 至于长期住客，虽然入住率并不高，但他们对绿化环境和私人海滩所带来的整体居住体验还是感到满意的。 3. 森林城市的独特卖点卓越的地理位置森林城市位于依斯干达经济特区核心，与新加坡隔海相望，也配有便捷的交通网络，包括直达新加坡的巴士线路，使居民可以轻松往返两地。 2023年纳入新经济特区后，发展潜力巨大。尤其，森林城市拥有齐全的基础设施、商业资源以及宜居的生活环境，吸引了众多国内外人士前来投资置业。 森林城市是一个充满吸引力的未来生活与商业枢纽，致力为居民提供高品质的生活。 免税岛 马来西亚2025年预算决定将森林城市指定为免税区，这将大大促进复兴，特别是该地区旅游业和零售业的发展。 免税政策的实施将直接拉动消费，吸引大量游客和投资者，为当地经济注入新的活力。  在马来西亚政府的支持下，森林城市滨海酒店及其周边景点将迎合来自世界各地的游客，成为游客必去的目的地之一。  免税购物带来的价格优势将刺激消费需求，带动零售业的繁荣。 免税购物、餐厅和娱乐活动也将为居民和游客提供新的生活与旅游方式。 4. 设立家族办公室可享零税务优惠 马来西亚政府于2024年9月宣布，将森林城市打造成全国首个家族办公室零税率的地区。 这旨在吸引全球高净值家庭前来管理财富，推动当地经济发展，提升森林城市的国际地位。这一举措将于2025年第一季度正式实施。 为了吸引更多国际投资，政府还推出了一系列优惠政策： 家族办公室马来西亚证券委员会推出了一项全新的家族办公室计划。根据该计划，从2025年第一季度开始，在森林城市设立的家族办公室将享有0%的企业所得税优惠。 金融全球商业服务 从事金融全球商业服务、金融科技和国外支付系统的企业，所得税税率将统一调整为5%。  知识型员工 知识型员工的个人所得税税率为15%。搬迁津贴等 为促进金融业发展，政府将对银行、保险等金融机构提供一系列税收优惠，包括搬迁费用减免、工业建筑投资抵扣和预扣税减免。总结来说，森林城市具备成为热门投资和旅游目的地的诸多优势。家族办公室零税务政策、免税优惠、生态环境、地理位置，这些都为吸引游客提供了坚实基础。 想摆脱“鬼城”的称号，最重要的还得要正视存在的挑战，不断提升自身，才能实现成为国际投资者和旅客的目标。 森林城市房产的投资条件那么好，你还不心动吗？即刻联系我们，让我们在你的投资之路助你一臂之力吧！[hubspot portal="5699703" id="85ebae59-f425-419b-a59d-3531ad1df948" type="form"]延伸阅读：1.投资柔佛房产赚新币：柔新捷运、经济特区激活柔佛房市成新热点！ 2. 移居热带天堂成趋势？沙巴成亚洲投资者的“第二个家”！3. 中国企业投资大马：港口/机场附近更具优势，尤其这3个港口最火！

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 December 2024, several financial institutions in Malaysia offer competitive house loans and home financing options. Here's a quick overview:1. Best House Loan Interest Rates in December 2024Bank 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 House Loan Interest Rates in December 20242. 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)

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！