Hi guys, I just started to pay ptptn. I have a few questions here. Just curious about the ujrah thingy.

1. For example if my debt is 30k. The repayment time is 15 years. If I managed to finish paying the loan in 10 years, does that mean I will pay less for the interest, or the interest is fix even I finished paying earlier.

2. Let's say if I accidentally skipped one month payment, will I be charged for extra interest or principal cost? Even I repayed two months in the following month?

3. How do I know when is the date that is the deadline for me to pay every month? Will ptptn send me an email? I worry I miss the deadline and get charged for extra cost.

Thanks for answering.

For question 1, the interest is added into the loan balance every month right? for example my minimum payment per month is RM258.70, if i decide to pay double at RM500 do i need to inform ptptn to shorten the repayment period?

or just pay RM500 per month to settle the loan earlier? will i save interest by paying more per month?