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 PTPTN Thread v2

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cynachen
post Dec 5 2018, 03:52 PM

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For those currently on auto-debit, will it be replaced by the salary deduction repayment or still continue on auto-debit repayment?

Confused. sad.gif
vanillapire
post Dec 5 2018, 03:55 PM

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QUOTE(jishu @ Nov 4 2018, 12:37 PM)
By January 2019, there will be no more 10% discount for direct debit/salary deduction and also no more 20% discount for full settlement
bangwall.gif  bangwall.gif  bangwall.gif

Source
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Why complain when I haven't complain made full payment without discounts?

Don't expect to get discounts for your loans ... Try ask the banks whether or not they will honour you?
melvynlyc
post Dec 5 2018, 06:06 PM

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QUOTE(cynachen @ Dec 5 2018, 03:52 PM)
For those currently on auto-debit, will it be replaced by the salary deduction repayment or still continue on auto-debit repayment?

Confused. sad.gif
*
Confused x2
H3artBreakKid
post Dec 5 2018, 06:10 PM

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QUOTE(melvynlyc @ Dec 5 2018, 06:06 PM)
Confused x2
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Confused x3 rclxub.gif
chiayi91
post Dec 5 2018, 09:38 PM

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QUOTE(zZNekoChanZz @ Nov 7 2018, 10:01 AM)
I recently graduated with First Class a few weeks ago. Do I still have the chance for apply for exemption or not?
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you should faster apply now. my sister is having such bad luck, her stupid school only willing to give graduate cert next year.
now begging school to give earlier so she can apply for exemption.

it's funny how the gov is punishing those top performers because some people dont pay their debt and now we got no money to exempt anymore.

This post has been edited by chiayi91: Dec 5 2018, 09:38 PM
Nixconvie
post Dec 6 2018, 12:47 AM

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How do I check my loan balance online?

I've been trying via the PTPTN portal but it's giving me broken links. I'd rather not have to go to the actual branch to check cause that's the whole point of the portal. Does anyone else have the same problem?
Wenxuan2
post Dec 6 2018, 07:36 AM

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Hi all, if i just submitted my first class exemption last month, do i have to start monthly repayment on January 2019 as well since the application process for exemption is around 2 to 4 months
myteam94
post Dec 6 2018, 09:57 AM

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just wanna ask

i've been paying my ptptn using JOMPay and not thru salary deductions

do i need to inform my company or PTPTN regarding bayar sendiri?
xpole
post Dec 6 2018, 08:28 PM

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QUOTE(myteam94 @ Dec 6 2018, 09:57 AM)
just wanna ask

i've been paying my ptptn using JOMPay and not thru salary deductions

do i need to inform my company or PTPTN regarding bayar sendiri?
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How long need to wait for the payment update using JOMPAY?
Before this I paid normal thru their website.

This month, this is first time i pay using JOMPAY, until now I haven't see my payment transaction
I called PTPTN, they mentioned they just update their account and expected to see all the transaction by 8/12 and above.
myteam94
post Dec 6 2018, 09:06 PM

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QUOTE(xpole @ Dec 6 2018, 08:28 PM)
How long need to wait for the payment update using JOMPAY?
Before this I paid normal thru their website.

This month, this is first time i pay using JOMPAY, until now I haven't see my payment transaction
I called PTPTN, they mentioned they just update their account and expected to see all the transaction by 8/12 and above.
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i've been using since i've started my job (probably since july)

usually after few minutes i've got notification from FPX notifying that the payment was successful.
but for the PTPTN update, not very sure. sweat.gif


ohh..no wonder my account was not updated, i too just paid thru JOMPAY early weeks.

deadravel
post Dec 7 2018, 07:12 PM

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salary deduction idea suspended for now
AhBoy~~
post Dec 8 2018, 12:16 AM

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QUOTE(deadravel @ Dec 7 2018, 07:12 PM)
salary deduction idea suspended for now
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I support that those who take the loan should repay.

But seriously I expect more from the new edu minister and his team... Pretty much just talk without really thought through or look at things holistic.
CuriousDude
post Dec 8 2018, 12:11 PM

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Anyone here paid lumpsum to get 20%?

How do you guys do it?

Going to pay the full sum because we will never know when PTPTN turn ahlong.

On a side note, I think best to discourage future gen from taking PTPTN (if they have a choice). Fresh grad will feel the most pressure from mandatory salary deduction.

Irony of the issue is, defaulters who are earning more than 8k probably have been defaulting more than or close to 6 years. Limitation would have kicked in after 12 years from breach. PTPTN cannot enforce all old contract.

This post has been edited by CuriousDude: Dec 8 2018, 08:54 PM
myteam94
post Dec 10 2018, 03:37 PM

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I talk with PTPTN last weekend regarding my notice of default termination (since i was unemployed when the payment started)

i thought once I sign up for below Rm4k exempted from mandatory repayment policy it will automatically cancelled my default.

in turns out that policy already revoked months ago.. luckily they sent in a letter of reminder to go and check with PTPTN

so far no issue arise as i've been repaying regularly... they also can't give explanantion regarding the new mandatory salary deduction issue. They say i can still pay thru JOMPay or FPX.
azmanadnan
post Dec 17 2018, 06:36 PM

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Wanna ask. I'm using maybank 2 cards now and I have balance of 79k post rebate , now using potongan gaji.
I do have the money to pay back from years of savings, but I keep it in amanah sejam with 6% interest. Is it worth paying off or allowing potongan gaji to continue.
Another thing say I want to pay off, any recommended credit cards in the market to balance transfer for interest free
chaxiupao
post Dec 28 2018, 12:02 AM

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if I pay my loan full using cc, will there be any charges?
samuraix79
post Jan 2 2019, 10:28 AM

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Hmm anyone have issue login this few days?
Keep on returning to main PTPTN page.
KHOdin
post Jan 2 2019, 06:40 PM

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QUOTE(samuraix79 @ Jan 2 2019, 10:28 AM)
Hmm anyone have issue login this few days?
Keep on returning to main PTPTN page.
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where do u find the login page? my old bookmark url is not working anymore and the new login is asking for my IC and No. Pinjaman
it is not asking for my password anymore...where do i find my No. Pinjaman ?
sweet_pez
post Jan 3 2019, 11:41 AM

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QUOTE(CuriousDude @ Dec 8 2018, 12:11 PM)
Anyone here paid lumpsum to get 20%?

How do you guys do it?

Going to pay the full sum because we will never know when PTPTN turn ahlong.

On a side note, I think best to discourage future gen from taking PTPTN (if they have a choice). Fresh grad will feel the most pressure from mandatory salary deduction.

Irony of the issue is, defaulters who are earning more than 8k probably have been defaulting more than or close to 6 years. Limitation would have kicked in after 12 years from breach. PTPTN cannot enforce all old contract.
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When i clear off my loan yes, i went for the 20% deduction.

What I did - i called PTPTN office to verify the amount owing, and also verify the balance amount payable upon 20% deduction. Walked int o PTPTN office and paid in Bank Draft (if i recall, since it was several years ago).
Kilohertz
post Jan 4 2019, 12:15 PM

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Not sure when the online statement can be accessed, seems it's closed for now.

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