I'm not sure about CtoS, but your payment record won't show up in your ccris at all even if you pay, because you're not obliged to pay YET. The only plus thing is, it reduces the amount that the interest is calculated. The interest is calculated using the amount owed at the start of the repayment. Then you can call and ask how much you'll need to pay monthly at the start of your repayment.

For me, boost, using the mission, pay RM200 PTPTN to get RM3.50, plus coins you get from paying, and possibly more from shake.

Depends. For this month, it takes about a week plus or so. I usually don't check it and just wait for the email. Previous months are faster, less than a week and I got the email already. But for this month, seems to take a lil longer. About 10 days or so.

From ptptn online, under penyataan pinjamam then the arrow in the picture.

I tried few days ago, have an error as well.. Not sure if the system is upgrading for the 6 months moratorium?

Can try again today, I tried and it showed..


I could log in now oh..

Hi, you get coins in boost which are exchangeable for cash. How many base coins you get depends on your level, and you might get extra coins depending on luck. I do it with boost cuz there's a 'mission' that I can activate every month: pay RM200 to ptptn and get Rm3.50 back. There's a RM1 charge for paying via boost, similar to other systems.

Maybe you can have a look at this.



https://www.ptptn.gov.my/faq-bayaran-balik-...ularan-covid-19

This post has been edited by sarah0601: Apr 9 2020, 10:20 AM

Read a few post up. The answer is in the same page. #3363

Yeah, I continue repaying mine cuz I saw the interest still get charged, so I assume that there will be restructuring of the payment after September. Don't think it'll change that much, but I don't really like changes, so I continue paying haha.

As what I understand, the restructuring will happen in October and you will know the new monthly amount, which will be higher than your current repayment amount. The deferment amount adds up cuz it works the same way as other loans, and interest will continue to be charged. There is not interest break, just that you will not be penalised i.e not recorded on your CCRIS, but you are still obliged to pay for the owed amount; either by paying now, or when they restructure your payment in October. In terms of charging interest/interest calculation on the 6 months deferment amount, that, I am not too sure how to calculate. Correct me if I'm wrong.

But your picture is quite interesting. The amount there is 2*RM330. Mine just shows the interest charged for May, and not the monthly repayment amount. I paid for April. Maybe its good to give PTPTN a call to clarify?



This post has been edited by sarah0601: May 6 2020, 11:28 AM

No news on restructuring, but I wouldn't be surprised if the restructing would be the same as normal ptptn restructuring, as in method of counting interest on the 6 months of no payment and monthly installment. I found the FAQ on ptptn website about restructuring (in general).

No. Only bachelor or degree study is applicable.

https://www.ptptn.gov.my/pengecualian-bayaran-blk-side

Sarjana Muda = Bachelor/degree
Sarjana = Masters

This post has been edited by sarah0601: Aug 12 2021, 12:40 PM