kijang emas datang dengan berat 1, setengah dan suku auns dengan ketulenan emas 99.99
Saya mula membeli Kijang Emas pada tahun xxx. Pada masa itu, saya hanya membayar dalam RM1,800 untuk 1/2 auns Kijang Emas. Sekarang harga Kijang Emas pada 8 April 2024 ialah RM5,590. CAGR Kijang Emas saya ialah 8.49%
Kijang Emas Malaysia ialah syiling bulion emas rasmi Malaysia dan ditempa oleh Royal Mint of Malaysia. Ia pertama kali dikeluarkan pada 17 Julai 2001. Malaysia adalah negara ke-12 di dunia yang mengeluarkan syiling bulion emasnya sendiri.
Di Mana Boleh Membeli Kijang Emas?
Kijang Emas hanya boleh dibeli di cawangan Maybank yang terpilih sahaja.
Spread Kijang Emas 1 auns = 4.00%
Spread Kijang Emas 1/2 auns =5.99% (49% lagi tinggi dari spread 1 auns)
Spread Kijang Emas 1/4 auns = 7.92% (98% lagi tinggi dari spread 1 auns)
Apa Perlu Dibuat Sebelum Membeli Kijang Emas
Anda hanya perlu pastikan mempunyai jumlah yang cukup di akaun Maybank anda untuk membuat pembelian Kijang Emas. Pembelian hanya boleh dibuat melalui “transfer” duit dari akaun Maybank anda. Pembelian secara wang tunai tidak dibenarkan.
Seperti biasa, pastikan anda membawa kad pengenalan anda.
Pastikan anda datang pada masa pagi dalam 10am supaya urusan dapat berjalan dengan cepat. Saya pernah beli masa tengah hari dan terpaksa menunggu selama sejam kerana pegawai Maybank yang bertanggungjawap keluar makan tengah hari.
Apa Patut Dibuat Selepas Membeli Kijang Emas?
Selepas membeli Kijang Emas, pastikan anda laminate resit pembayaran Kijang Emas Maybank. Ini memudahkan anda menjual balik Kijang Emas anda.
Jika anda terhilang atau terosak resit pembelian tersebut, anda perlulah membayar cukai setem sebanyak RM10. Jika ada resit, anda tidak perlu membayar cukai setem tersebut.
Kenapakah Saya Membeli Emas?
Ini kerana Amerika Syarikat banyak mencetak wang untuk menanggung segala peperangan yang ditanggungnya seperti Rusia-Ukraine, Israel, Afghanistan dan sebagainya.
Pencetakan wang yang banyak akan menyebabkan inflasi. Hanya emas dapat simpan nilai dengan baik.
Contoh selepas pencetakan duit yang banyak kerana krisis kewangan Amerika 2008, harga emas telah naik. Saya beli emas pada harga RM1,789 pada tahun 2009, sekarang emas telah naik sampai RM5,590 iaitu CAGR 8.49%.
I planned to buy an auction property. So before buying, I tried to get the fastest bank in getting approval because the loan needs to be disbursed very fast to avoid my deposit from getting burnt.
Housing Loan Inquiry via Bank’s Website
I contacted few banks via their website to see which respond the fastest.
CIMB – no response at all, even thought CIMB said they will contact me as soon as possible. Alliance – same as CIMB no response at all. Ambank – Worst couldn’t find contact us / inquiry page. Standard Chartered – I got voice call the next day after submitting the online inquiry. Public Bank – I got response after 9 hours of online submission
housing loan enquiry – public bank email centre took nearly 9 hours to respond
Maybank – The fastest, I got response in 1 hour after submission
housing loan enquiry – fast response from maybank email centre – they responded within 1 hour
Visit Direct to Branch
Bank Islam – I was passing through Bank Islam Bukit Jelutong, so I decided to drop by to their housing loan department. I get pre-approval on the spot whether I could get loan if I win the bid & good thing the bank office has experience in handling loan for auction properties.
Check Bank Officers Responsiveness
You must check whether the bank officer respond you even during weekend and check how long the officer responds before taking loan with the bank. Besides you must check whether the office can influence their HQ to get fast approval.
Some bank officers will tell you that just pray to get fast approval some will inform you that they could push for it.
So based on my experience:
Bank Islam – the office was really responsive even during weekend and she said she had experience in pushing to get approval
housing loan – bank islam officer responsiveness even during weekend
Public Bank – Not responsive, have to follow up few times. In the image show that I have to follow up to get response.
housing loan – public bank officer slow respond
Standard Chartered – Responsive as well but he couldn’t influence HQ.
Maybank – need to follow up but faster response compared to Public Bank and weekend stops responding
Check Bank Panel Laywer Responsiveness
At same time, before bidding, get their panel lawyer to check their fast responsive and experience in handling auction property. You ask questions regarding the process and see their response.
Bank Islam – very fast and well versed and confident can complete the transaction before 120 days
housing loan – bank islam panel lawyer fast respond and willing to share the process in easily understand words
Standard Chartered – their lawyer also very fast and well versed.
Other banks I didn’t check because even if my loan approved by their bank, I might not take it because their officers were slow.
Check Bank Valuer Responsiveness
So far my experience Bank Islam & Standard Chartered valuers response were fast.
Bank Islam, I got appointment on the next day after I message the valuer.
housing loan – bank islam vlauer panel – fast response and get the appointment on next day
Fastest Housing Loan Approval After I Won the Auction Property
After submission, I got housing loan approval as below.
Bank Islam – 5th January (documents submission) – 9th January (housing loan approved)
Maybank – 5th January (documents submission) – 12th January (housing loan approved)
Public Bank -5th January (documents submission) – 12th January (housing loan approved)
Standard Chartered – 5th January (documents submission) – 18th January (housing loan approved)
Conclusion
In my case, Bank Islam was fastest even though I got better rate from Public Bank but I decided to take Bank Islam loan due to their fast response and even their lawyer and valuer were very fast.
My advice to check the bank officer because it doesn’t mean all Bank Islam officer will be fast as Bukit Jelutong branch. So better follow the steps I mentioned above to make your decision.
Maybank MAE QR Pay has gamification features where you can earn cash and shopping vouchers. It is called Arcade MAE mory.
To play the game, you just need to sort the items according to their category. The more correctly you sort the item the higher score you get and the more cash you can earn.
How To Access MAE-mory
1) At bottom menu of MAE application, click more
2) Then you choose Arcade MAE-mory
arcade MAE mory – game menu
The Arcade MAE-mory Game
You need to sort the items based on their categories.
You can play as long you have accumulated at least one “Chances”.
MAE more the gameMAE mory number of chances to play
Cash Earned by Playing Arcade MAE-mory
The earned cash is directly deposited into your MAE eWallet
maybank mae arcade cash reward rm10maybank arcade mae mory – cash reward RM0-50maybank arcade mae mory – cash reward RM0-20Maybank Arcade MAE mory – caring voucher and cash from maxis
How To Get More Chances to Play?
You can do below transaction to get more “Chances” to play.
I got to know about MAE QR Pay when I joined Maybank AGM and Maybank gave RM50 to AGM attendees.
Previously I use a lot TNG e Wallet because they have good promo and cashback but since they are the most popular e wallet in Malaysia, TNG stop issuing much cash back.
Using Maybank MAE QR Pay cashback, I am able to get on average RM20-RM30 per month of cashback.
I use it at Speedmart, Mr DIY, McDonalds or any shops and restaurants who accept MAE QR Pay.
Maybank MAE Cashback Promotion is from 22nd June till 22nd August 2021. You can win up to RM5 per day!
The postponed Maybank 61st AGM was conducted on 6th May 2021. This is my second time join Maybank AGM online.
Maybank was supposed to conduct their 61st AGM on 15th April but due to technical glitch they had to postpone the AGM to 6th May.
The AGM starts at 10AM and ends by 330PM
Maybank Online AGM is conducted via Boardroom.
maybank chairman tan sri zam opening remarks
Key Highlights FY2020 Performance
maybank financial Y2020 performance
Net Operating Income increases 0.6% YOY
Overhead reduces by -2.7% YOY
Pre provision profit is RM13.52B (increase by 2.6%)
Provision for Credit losses increase more than 100% to RM5.07B
Macroeconomic Headwinds
maybank operating landscape
Covid 19 pandemic forced border closures.
Result in weak global and domestic demand
Low interest rate environment
Asset qualities weakness
Dividend Payout
maybank dividend payout Y2020maybank dividend yield vs other banksmaybank capital perservation
52 sen dividend payout for Y2020
Maybank dividend yield is higher than other banks in Malaysia and regional banks.
Highest dividend payout for the past 10 years at 91.2% payout
Capital level is still healthy even after dividend payout
Key Responsibilities
maybank responsibilities
Customers – provide financial relief
Employees – enabled WFH and other safety measures
Investors – reclassification of dividend for faster payout
Regulators – establish framework and guidelines for lending
Communities – Maybank contributed over RM20M to mercy
Moving Forward FY2020 – Digital Solutions
maybank M25 target outcomesmaybank digital journey
M25 – 13% – 15% ROE and more than 100 sen earning per share
Digital journey – SME online application, EzQ to make appointment to any Maybank branch and develop online platform for small businesses.
Corporate Social Responsibilities
maybank assisting communities
Contributed RM20M to Mercy
Raised RM3M to assist vulnerable communities and to support Covid-19 initiative
Questions from Shareholders
maybank appointing tan sri zam who doesnt have financial background
Most questions are regarding Covid-19 impact to Maybank performance & its dividend policy.
Maybank CEO explained that it is hard for Maybank to gauge the impact but the dividend policy remains around 60% of net profit.
For all attendees of Maybank AGM will receive RM50 to their MAE for the postponed AGM and another RM50 who attended the AGM on 15th April. So who attended both AGMs will receive RM100.
According to Maybank, they don’t plan to reduce their branches like other global banks.
Maybank uses its huge database on analysis for credit risks and loan offering.
Another question whether Maybank plans to introduce its own bitcoins in which Maybank replies no.
A shareholder asks why Maybank appoints Tan Sri Zam as its chairman who doesn’t have any financial background. According to Maybank they need someone with technology background at board level to help Maybank in their digital journey.
Conclusion
Good insight on Maybank performance on the meeting and Maybank plans to do more digital solutions moving forward to mitigate Covid-19 impact.
Another good thing receive door gift of RM50 which this is my second time receiving RM50 for attending Maybank AGM.
I have a housing loan with Maybank. So I want to know how to reduce the principal. So I called Maybank call centre and according to the call centre, I need to deal directly with Maybank branch where I applied my housing loan.
If you don’t know the branch phone number you can get it from Maybank call centre.
When I call to Maybank branch where I applied my loan, the person in charge informed me the steps.
1) Transfer Extra Payment Directly to Maybank Housing Loan
The extra payment is parked at advance payment but the outstanding loan is still be reduced
2) Outstanding Loan will be Automatically Reduced
3) If Advance Payment is More than the monthly payment, Standing Instruction (SI) is automatically stop for next payment cycle (If you pay from SI)
4) If you want Advance Payment to be transferred directly to Loan Principal
Go to any Maybank branch to give instruction to transfer the advance payment.
It requires customer thumb print to do this thats why have to go to the branch.
