^ agree bro .

if want pay slow slow , better off with 1% , everyone know this i guess.

but who like to in debt right ?

This post has been edited by fcuk90: Jan 19 2011, 06:47 PM

advantage of the 3% deal is that you have more freedom in choosing your finance planning , with condition strong financial back ground with room to play with

we borrow small money use on big account

I understand the drawback of the 1% is the potongan gaji means u get tied monthly.

But let say la if 1% not tied potongan gaji means u can choose to paywheneven u like is it still helah ptptn to cheat your money? like u pay more compare to previous 3% system according to author?

This post has been edited by WintersuN: Jan 19 2011, 06:53 PM

you pay to them =helah ptptn cheat your money ?

at 1% you must pay the monthly amount

at 3% you must pay the minimum yearly/monthly amount or more if you want to clear off early , if pay late more interest upon your balance amount

no Helah here is just mere financial management

let me repeat myself the interest paid to PTPTN is cheaper than any bank can offer (Credit transfer, personal loan, house loan, mortgage , car loan etc)

This post has been edited by titarium: Jan 19 2011, 07:04 PM

Mara loan ftw. my loan rm39,000.

but i just pay 10% from total without interest.

partially sponsored is it

those telekom scholar who can score 2nd class above interest free , while some PTPTN scholar are eligible to apply for scholarship

THIS IS THE CASE ORANG TAK BAYAR NAK BISING

under 3%, you will be given a table of payment, stating amount and duration of payment, it's incremental until the end..

under 1%, fixed payment every month, ease of financial planning & even potong automatic from your salary ... of course it will be listed in your salary slip but hey, it is for a good cause lor, study punya hal, apa mau malu?

pinjam along lagi malu whaat...

I didnt mean pay them back is cheat. But using the tactic say change to 1% but end up paying more compare to earlier 3% is cheat me like author said.


Ok i ask 1 thing. Lets say la.. just situation only..

If change 1% no need potongan gaji to pay monthly but can pay whenever i like. If I got enuff money to pay all my loan 1 shot. Then I change to 1% but keep the money in bank fd 3% then use the yearly fd interest to pay the ptptn I untung?

+ 1 Like

this is known as default , you are trying to cheat by delaying your payment even you have the money - period

Everyone wants to have money with them but you have sign a contract of borrow so pay up

You still have a choice not to opt for that 1% , and I see no harm at all for the 1%

Kesian kena berhutang untuk dapatkan ilmu. Sangat pity sama kamu.

i pity to my friend.

he pay every month rm250. but his loan will add rm40 every month too.

so like he only pay rm210 monthly. wtf.

if he pay rm50 only like he only pay rm10 every month. sigh

yang hutang dapatkan kereta , rumah dan yang guna credit card ? macam mana pulak ?

masalah yang berhutang tu menyalahgunakan pinjaman untuk benda lain

dik bukan semua orang kaya dik

that promo look very suspicious when i read it counted the 1% from 2008 ~~~ so i stop applying for it already

kanasai...government try to cheat money???

fffuuu
kenot brain dis math thing oh..
guy,can calculate mine ka..?
i borrow 15k..
then much all include the tax..?