if without ptptn oso,not all of malaysian student can futher studies..still stuck wit spm result..

do they give you any reason for that?

Keeping things simple here:

sudah pinjam, kasi bayar..FULLSTOP.

Again, keeping things simple:

If u pay within the specified period, 1% flat rate is definitely cheaper than 3% reducing balance, which if you didnt notice, is a monthly reducing balance..not yearly!

Like someone mentioned in this thread before, if u can pay up within half of the specified period, recommend u to stick with 3%.

From the way I see it, they allow me pay less with 1% at the expense of:
1. Deducting salary
2. Access to your and guarantor's EPF info

Both items above should not be a problem if you pay every month accordingly.

In case shit happens e.g. retrenched, you can inform them as they have a clause for that as well. It's not all bad actually

Think what? What you think about refinancing (reschedule plan)? Same is't, base on outstanding loan maa. Never paid even 1 cent back, now complain.. complain.. complain.. When took the loan, everything can, that can, this can.. Macam ini olang pun ada...

his last statement says it all LOL:

"18- Saya melihat ini adalah helah bagi memastikan peminjam yang selama ini hanya membayar RM 50 sebulan, yang entah bila akan habis membayar pinjamannya, akan membayar RM 200+ sebulan mulaï tarikh sistem Ujrah diluluskan."

This post has been edited by fgt: Jan 21 2011, 11:27 AM

What degree you have? We are looking 4-5 Mechanical Engineering Degree holder, Office base in Kemaman, Terengganu.. Business field 100% Oil & Gas. Our project "Provision Of Design, Manufacturing, Supply, Installation And Maintenance Of Valve And Pumps." If U interested can PM me.

Just got approved a week or two ago, but haven't actually print and sign the contract.

I've already started paying before this and the thing I don't really is now they are calculating like 2 years back which at that time I am already charged the 3% interest. Does it mean I am charged an additional 1% for those months ?

Anyways in the end I think I will try to settle lump sum or as fast as possible. Probably the best option at the moment at least for me. Previously when 3% feel like paying the interest only lol

Cannot cancel anymore.

if u guys get married, make sure ur partner dont have so many hutang/loans...

im still pending receive letter from ptptn...is it we can choose how many years we gonna pay d loan or ptptn jas already fix it..

i found this ptptn forum, very helpfull..
http://app.mohe.gov.my/forum/viewforum.php...36c037ccb70e79e

sistem ikot islam ke xikot ke.kalau dah hutang.sila bayaq.pungkok!!

beli iphone boleh, beli ipad boleh, bayar hutang tak boleh

kalo nak joli pun, study hard la. dpt 4 flat, tak payah bayar balik. kan senang mcm tu

jadi moralnya, belajarlah pandai pandai. dapat first class hons degree, tak payah bayar ptptn. kan senang.

Not really true~! I'm also a 1st class graduate but i still have to pay.. coz i signed the agreement after July 2005 and graduated in 2009!!!

JPA doesnt approve my course, which is in IPTA (UM)! stupid kn.. so i hv to resort to the loan.

uni-malaya=stupid
jpa=pilihkasih
ptptn=abominable loanshark
me=poor bast*rd

This post has been edited by fyrogenesis: Feb 24 2011, 10:22 AM

$$$ for car instalment dunt play play.

dah pinjam reti2 la bayar balik..kalau ptptn takde mane ko nak pinjam..

Hickey Nyer Mummy:
PTPTN..Boleh tunggu gaji RM5k tak?? Nanti kami bayar balik k. kami ni keje private.Bkn Gomen. Nak beli rumah pun tak mampu lg.Lainlah gomen..ada gomen loan.Ada duit kola.Bersalin pun free. Sakit pun free.

Economy better or not, some shallow minded people still prefers to get a car or gadget than finding ways to reduce debt. Stop giving excuses this and that, you are a shame to those hard workers and prompt payers during the current financial situation.

Other people got car, you also want car... you dont give a damn on economy situation

other people digilently plan their finances, you give lame excuse "poor" economy situation caused you unable to do the same.

This post has been edited by alanyuppie: Feb 24 2011, 10:28 AM