Thursday 22 October 2009

Banking Service Comparison

Recently, I have compiled some of the banking services provided by Malaysia's bank. My interest is to compare their services on Credit Cards, Personal Loan, ASB Financing, OD Facility, Home Loan and Hire Purchase. Basically, these services are the one that I am using, so I am comparing versus each bank to see if there is a better offer.

Look through my basic simple comparison below. Although the information might be limited, but at least you might be able to have some focus on the best services before you approach that bank for more information on your interested service.

Bank
Credit Card
Personal Loan
ASB Loan
OD Facility
Home Loan
Hire Purchase
 Affin Bank Berhad
Annual Fee : RM50
Int 18%
BT 6.88%
0% EPP
NA
NA
FD mortgage
BLR+1% daily rest
MOF 95%
45yrs/75yo
BLR-2.3%
OD BLR-0.5%
MOF 90%
Max 9yrs
Fixed 4.00%
 Alliance Bank Malaysia Berhad
Annual Fee : RM68
Int 18%
BT 7.25%
0% EPP
Rewards Point
Int 11.99% pa
Up to 60mths
Income >RM2k
NA
NA
MOF 90%
30yrs/65yo
1-5yr : BLR-1%
>5yrs : BLR -1.2%
OD BLR+0.79%
MOF 90%
Max 7yrs
Fixed 3.9%
 AmBank (M) Berhad
Annual Fee : RM75
Int 17.5%
BT 8.99%
0% EPP
Rewards Point
NA
NA
NA
MOF 90%
MRTA
30yrs/65yo
BLR-2.05%
OD BLR-0.5%
MOF 90%
Max 9yrs
Fixed 5.1%
Var BLR
 CIMB Bank Berhad
Free for Life
Int 17.5%
No BT
0% EPP
Rewards Point
Income >RM800
Max 5yrs


Max RM200,000
BLR-1.65%
OD available
Mortgage FD, CIG, CIMB Deposit, CIMB UT, ASNB
BLR-2.00%
MOF 90%
GMTA
30yrs/65yo
BLR-2.05%
No OD
MOF 90%
Max 9yrs
Fixed 3.25%
 Citibank Berhad
Free for Life
Int 17.5%
BT 11.99%
0% EPP
Rewards Point
Income >RM2000
Int 8.52% pa
Up to 60mths
NA
Mortgage FD
MOF 89%
30yrs/65yo
No OD
NA
 EON Bank Berhad
Annual Fee : RM75
Int 17.5%
BT 5.50%
0% EPP
Rewards Point
Int 9.00%
Up to 72months
NA
Existing Current Account
MOF 90%
MRTA
30yrs/65yo
1-8yrs : BLR-1.6%
>8yrs : BLR-2.3%
OD BLR-0.6%
MOF 85%
Max 7yrs
Fixed 3.75% - 3.9%
 Hong Leong Bank Berhad
Annual Fee : RM80
Int 17.5%
BT 12%
0% EPP
Rewards Point
Income >RM2000
Int 12%
Up to 60mths
NA
NA
MOF 95%
MRTA
30yrs/65yo
1yr : 2.38%
2yr : 3.38%
>2yrs : BLR-0.95%
OD BLR-0.75%
MOF 90%
Max 9yrs
Fixed 4.00%
 HSBC Bank Malaysia Berhad
Annual Fee : RM80
Int 18%
BT 12%
0% EPP
Rewards Point
Income >RM2000
Int 10%
Up to 60mths
NA
Existing Current Account
BLR+1% - BLR+1.5%
No Info
No Info
 Malayan Banking Berhad
Annual Fee : RM60
Int 18%
BT 12%
0% EPP
Rewards Point
NA
Max RM400,000
1-3yrs : BLR-1.65%
>3yrs : BLR-1.5%
NA
MOF 90%
MRTA
30yrs/60yo
1yr : 3.88%
2-4yr : BLR-1.1%
>4yrs : BLR-1.0%
OD BLR+1.0%
MOF 90%
Max 9yrs
Fixed 4.25% - 5.00%
Var BLR+1.00%
 OCBC Bank (Malaysia) Berhad
Annual Fee : RM70
Int 18%
0% EPP
Rewards Point
NA
NA
Mortgage Property, FD, UT
MOF 90%
MRTA
30yrs/65yo
BLR-1.5%
No OD
NA
 Public Bank Berhad
Annual Fee : RM68
Int 17.5%
0% EPP
Rewards Point
NA
NA
Existing Current Account
MOF 95%
40yrs/70yo
1yr : 3.37%
2yrs : BLR-1.0%
3-5yrs : BLR-0.2%
6-10yrs : BLR-0.3%
11-15yrs : BLR0.5%
>15yrs : BLR-1.0%
OD BLR-0.75%
MOF 90%
Max 9yrs
Fixed 4.23% - 4.89%
Var BLF+0.99%
 RHB Bank Berhad
Annual Fee : RM70
Int 17.5%
BT 6%
0% EPP
Rewards Point
NA
Max RM200,000
1yr : 3.8%
>1yr : BLR-1.35%
OD available (BLR-1%)
Mortgage FD, ASNB
BLR-1.00%
MOF 90%
MRTA
40yrs/65yo
BLR-1.7%
OD BLR+0.18%
MOF 90%
Max 9yrs
Fixed 3.75% - 4.00%
 Standard Chartered Bank Malaysia Berhad
Annual Fee : RM90
Int 17.5%
BT 7.99%
0% EPP
Rewards Point
Income >RM2000
Int 17%
Up to 60mths
NA
Mortgage FD, UT
Information Not Clear
NA
 United Overseas Bank (Malaysia) Bhd.
Annual Fee : RM0
Int 17.5%
BT 12%
0% EPP
Income >RM2000
Int 10.75%
Up to 60mths
NA
Mortgage FD, UT
MOF 90%
MRTA
40yrs/70yo
1-3yrs : 5.9%
4-10yrs : BLR-1.25%
>10yrs : BLR-1.5%
NA

All the information above are gathered from respective bank website. For those column that information "Not Available" or "Not Clear", is because the information on their website is very limited.

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