[PTPTN] Helah Dalam Sistem Ujrah Serious Talk
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 Jan 19 2011, 06:03 PM
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#1
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Senior Member
3,173 posts Joined: Nov 2010 
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wtf??
I got bayar on time and recently changed to the 1% but if its this helah they definitely cheat me...  its definitely not fair to the ppl who pay.. idiot PTPTN>.. if this the way im not gonna bayar anymore |
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Jan 19 2011, 06:11 PM
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#2
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Senior Member
3,173 posts Joined: Nov 2010
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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 |
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Jan 19 2011, 06:16 PM
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#3
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Senior Member
3,173 posts Joined: Nov 2010
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QUOTE(titarium @ Jan 19 2011, 06:12 PM) here's no issue on this what so ever the person who posted this doesn't know how to count ... 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?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 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 !  |
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Jan 19 2011, 06:19 PM
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#4
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Senior Member
3,173 posts Joined: Nov 2010
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QUOTE(soundsyst64 @ Jan 19 2011, 06:16 PM) possibly more 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. |
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Jan 19 2011, 06:27 PM
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#5
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Senior Member
3,173 posts Joined: Nov 2010
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QUOTE(soundsyst64 @ Jan 19 2011, 06:22 PM) try to call them and ask if you able to cancel the new agreement and return back to old one 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 |
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Jan 19 2011, 06:29 PM
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#6
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Senior Member
3,173 posts Joined: Nov 2010
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QUOTE(titarium @ Jan 19 2011, 06:23 PM) 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) dun really understand oso. I totally suck at maths. Thats y i earn so low cuz not maths genius.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 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 |
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Jan 19 2011, 06:52 PM
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#7
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Senior Member
3,173 posts Joined: Nov 2010
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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 |
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Jan 19 2011, 07:11 PM
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#8
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Senior Member
3,173 posts Joined: Nov 2010
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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? |
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