the problem is i got pay on time but why they 1 punish me by extra charge me?

those who never intend to pay at all din kena anything

not fair!! I request everyone to complain together

here's no issue on this what so ever the person who posted this doesn't know how to count ...

the difference of interest is in between baki berkurangnan 3% and Interest Flat lumpsum 1%

if you can pay more baki berkurangnan is better if you can't flat base interest is better to manage (you know how much you are paying each month)

To make things simple is a difference of a house loan(baki berkurangan) vs a car loan (Flat)

btw I am from Engineering background

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Added on January 19, 2011, 6:13 pmFor those who are currently paying and is comfortable with 3% with "baki berkurang" interest rate jsut continue with it need not to apply for this


F*** those who never pay and complain !

This post has been edited by titarium: Jan 19 2011, 06:13 PM

lol at non-cerdik ppl who cannot get scholarship/sponsorship. now they're haunted with loans and whining.

no wander you have no manner

One thing the author never face before in his/her life is BLR !!!

it is 6.5 rite now !

dun really understand but i already sign the letter and submit, So they got cheat me or not? Do i pay more or pay less?

possibly more

Orang Cina tak pinjam pun PTPTN.

shit.. so how do i cancel the agreement? From now on i wont pay even a single sen..

Serve them right for trying to cheat an honest guy. I hate ppl cheat me.

Manners for me is define to whom I dealt with, I criticizes and mock those who are the junk to the community and the development to the country.

we just need 20% of these faggots to default the pay and cause the next generation (Juniors) to have limited source of finance.

try to call them and ask if you able to cancel the new agreement and return back to old one

If you can manage a good finance and come out a big sum of money each year 3% is a good way -> if you have money to pay 1 lump sum or finish within 10 years ? (I haven't calculate the exact interest to be paid)

but with 1% is a flat base , just like taking a car loan (it is 3% rite now)

to make things simple you can use a car loan calculator (interest 1%) and a house loan calculator (BLR/Interest 3%) to make comparison the variables in this case is the years for house loan

already call they say dalam proses cannto do anything.

FYI i only earn 1500 per month and they still 1 cheat me.. few hundred is a lot to me. I earn so little oso pay back will they like dat

dun really understand oso. I totally suck at maths. Thats y i earn so low cuz not maths genius.

So change to 1% I will pay more than 3% because they calculate base on the earlier 3% ineterst add in.
But if din change to 1% then remain 3% wont i get charge 3% base on the 3% interest earlier?

WHy the author say ptptn helah need pay more if change to 1%?

I confuse and very angry now

bayar la balik duit ptptn tu.ko dah makan kan???ko pinjam dah makan x bayar jadik haram.xnak bayar semua ko bayar la nilai yg ko betol2 pinjam.xyah bayar yg ko rase kene tipu.tp aku rase ko x kene tipu pon.jangan la wat alasan dah pinjam x nak bayar.kat luar negara mane la ade PTPTN ni.ko nak sambung seme kene pakai duet sendiri.as example kat US dia org seme nak smbg U kene pakai duet sendiri.xpong berebot scholarship.ramai gak yg bankrupt lepas habes belajar sbb wat pinjaman bank.PTPTN nih interest 3% pong nak bising2.pas tu cakap haram ade riba.kalo dah tau camtu awal2 jgn pinjam.fed up r aku dgr org amek pinjaman ptptn tp xnak bayar.

mana hidan?

oi, you borrow you pay back arr

that person must be one of the "defaulter" try get away

I wonder why they don't kira baki starting on the day we apply and instead went back to previous years? I have RM 9K left to pay as on Dec 2010

This post has been edited by soundsyst64: Jan 19 2011, 06:35 PM

3% is good if you plan to pay in fast and lump sum .

actually can't blame because finance student are more capable in coming out the sums

actually 3% & 1% depending how well you want to manage you loan in your life let me do some simple calculation (finance student & account student correct me if I am wrong)

assume = 50k (since cut-off date)
year of loan = 20

at 1% flat

50,000 * 1% * 20 years = 10,000 -> interest amount

Monthly payment = (50,000 + 10,000)/20/12 = 250

at 3% baki berkurang - 20 years [I am lazy so I use a home loan calculator Home Loan Calculator ]

Monthly = 277
Interest Amount = (277*12*20)-50,000 = 16,480

at 3% baki berkurang - 15 years

Monthly = 345
Interest Amount = (345*12*15)-50,000 = 12,100

at 3% baki berkurang - 10 years

Monthly = 483
Interest Amount = (483*12*10)-50,000 = 7,960


if you can pay back within half the given time the 3% interest is a better choice , else take 1% .
I will take the 1% cause house loan and car loan is so much higher out here take the 1% place more deposit on car and house.

I hope this simple example able enlight you

* this calculation excludes the additional service charges and xx charges -> which is minimal compare to the interest or if there's any

This post has been edited by titarium: Jan 19 2011, 06:51 PM