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What is Overdraft (OD)?

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If you surf in internet, you will find several definitions of OD.

Def 1 : A short-term loan where a bank gives permission to a borrower to have a negative bank balance up to a pre-arranged limit.

Def 2 : An overdraft occurs when withdrawals from a bank account exceed the available balance which gives the account a negative balance – a person can be said to have gone “overdrawn”.

Benefit from OD is, interest is charged on amount overdrawn/borrowed from your OD account. And the interest is daily rest.

The best OD’s facility now for personal use is with RHB Bank.
-95% of ASB certificate (Min RM10,450)
-Interest rate = BLR + 0%
-Daily rest
-Service available : Cheque book, ATM card, Dotcom card(for online banking)

See details in RHB website.

254 Responses to What is Overdraft (OD)?

  1. awang says:

    gaji aku rm3000 perbelanjaan ku termasuk bayar rumah dan kereta rm4500. od aku nak apply brp dan macamana nak figure duit aku guna od. tolong saya budak baru belajar.

      (Quote)

  2. m43L says:

    salam…otai2
    dengar cter OD-ASB dah dibekukan. btol ker?

    cmne nak up to date dgn OD samada dibekukan atau open balik?

      (Quote)

  3. jj says:

    OD-ASB beku untuk individu
    OD-ASB untuk business aja
    Kena ada lesen perniagaan

      (Quote)

  4. Khairul says:

    jj: OD-ASB beku untuk individu
    OD-ASB untuk business aja
    Kena ada lesen perniagaan  

    atau OD dgn UT (OD-UT)…boleh tanya di Public Bank atau CIMB bank

      (Quote)

  5. bumper says:

    ODFD mana ok dgn ODUT ?

      (Quote)

  6. Ken Master says:

    awang: gaji aku rm3000 perbelanjaan ku termasuk bayar rumah dan kereta rm4500. od aku nak apply brp dan macamana nak figure duit aku guna od. tolong saya budak baru belajar.  

    Awang awak sudah overdos berbelanja. Awak perlu restructure balik kewangan awak. Even awak ambik od ia tetap akan membebankan awak. Cara terbaik adalah awak listkan loan yang utama yang awak perlu settlekan. Selalunya interest yg paling tinggi.Pastu baru buat od.

      (Quote)

  7. student11 says:

    Saya baru-baru ini ada survey ODFD and ODUT dengan CIMB, dan memang dalam plan nak buat pun memandangkan ODASB kena freeze

    So just nak share ….

    Pegawai CIMB masa tu recommend utk ODFD instead of ODUT. Sebabnya ODFD margin 100%, ODUT pula 60%. Interest rate pula, ODFD: BLR-2%, BLR-1%

    Saya sebenarnya plan nak ambil ODUT sebab UT return tinggi (kalau market ok lah) dan ingatkan fasiliti ODUT sama jer dengan ODFD. Tapi daripada perbincangan dengan pegawai tu, macam tak best jer ODUT. Jadi saya cuba dapatkan detail info dari branch lain.

    Di branch lain tu, lebih kurang sama info sebelum ini. Cuma ada perbezaan sedikit. Interest rate ODUT juga adalah BLR-2% (sama dengan ODFD dan telah confirm balik dengan pegawai pertama tadi). Margin ODUT still 60%. Satu lagi yang tak bestnya ODUT, setahun sekali kena review sebab market price turun naik. Kalau ODFD rasanya boleh sampai 10 tahun.

    Kedua-dua OD di atas cagaran minimum RM 10K. Untuk FD, return agak rendah, about 3%.

    Jadi nak ambil mana satu? Saya nak ambik dua-dua sekali. Tak pasti tindakan ini ok ker tak? Tolong komen

      (Quote)

  8. faridfahmi says:

    student11,

    kalo interest OD tu lebih tinggi berbanding UT and FD…leburkan saja duit UT and FD tu untuk kegunaan tuan…xpayah buat OD.

      (Quote)

  9. Chulanod says:

    Student11,
    Balik pd purpose saudara nk buat OD ni. Klu nk buat OD psl faktor kecairan dia then buat lah ODFD. Walaupun int OD lebih tinggi drp int FD, kecairan OD memberi kelebihan pd saudara utk melaksanakan perancangan kewangan saudara.

    Misalnya,
    Dgn OD, saudara boleh;
    1) Lupuskn sebrng default payment
    2) Settlekan hutang CC (int charged tinggi)
    3) Buat modal pusingan utk simpanan (ASB), pelaburan (UT) atau security (Gold).

      (Quote)

  10. iZwaN says:

    Assalamualaikum..
    nk bertanya..OD nie just bley buat melalui ASB ke?
    Ada tak medium lain yg boleh buat OD nie jgk.
    terima kasih..

      (Quote)

  11. Jack says:

    mintak nasihat.
    kes: satu rumah dah habis bayar, refinance balik kat bank so dapat cash 200k, plan 200k letak dlm ASB,

    katakan loan rumah 30tahun; setahun RM12500(tetap,kalu ada kenaikan blr tambah duit lain]
    taun pertama bayar cash loan setahun(RM12500) rumah pakai duit sendiri
    taun kedua dan seterusnya pakai ASB dividen(7%x200k = RM14000)ada lebih lg Rm1500 kalu blr tak naik

    soalan: kalu saya buat OD cagarkan Sijil ASB 200k tu kat bank, dividen asb still bole bawak keluar tuk bayar loan rumah setiap tahun?

    OD dapat RM190,000, 95& dari sijil ASB 200k, akan guna sepenuhnya tuk beli rumah lain cash.. so macammana pengiraan monthly panyment utk OD ni & macam mana untuk ambik benefit atas daily rest.tq

      (Quote)

  12. saifudinb says:

    jack, OD ASB skrang tak lepas. BNM dah x bg. kalau ade kompeni, gunekan registration kompeni tu nak apply OD. yg tu lepas.

      (Quote)

  13. student11 says:

    Sekadar nak share info berkenaan dengan Islamic OD a.k.a Islamic Cashline Facility. Ni berdasarkan survey yang saya buat baru-baru ini.

    Maybank Islamic:
    Product Name: Variable Rate Facility (VRF) Cashline-i
    Profit Rate: BFR + 1.25% (kalau tak silap la)

    Public Islamic Bank:
    Product Name: Cash Line Facility (CLF-i)
    Profit Rate: BFR – 0.75%

    Manakala untuk CIMB Islamic pula, setakat ni cuma ada Islamic OD untuk business sahaja. Harap-harap diorang akan buat “Secured Personal Loan” version Islamic.

    Collateral: untuk personal OD, cagaran biasanya dalam bentuk Islamic Fixed Deposit.

    Kepada rakan-rakan muslim yang dalam perancangan buat OD, cubalah survey juga Islamic OD ni selain conventional OD.

      (Quote)

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