I second this too...

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Added on March 16, 2011, 10:47 amCan write in to PTPTN one... Just appeal... Where can get such amount to pay up PTPTN? If she can think of 27k to invest in house, it means there is a chance to appeal to PTPTN.

This post has been edited by yeowa: Mar 16 2011, 10:47 AM

go negotiate with ptptn.
tell them you are sincere in repaying them and resume monthly installment or salary deduction. am sure they are more than happy to accept it.
as for personal loan, never touch it unless absolutely necessary. if i were you, tell them you are no longer interested in the personal loan. "no, thank you". and just walk away. do not accept their approval.
nowadays, banks are doing one hell of a job to make average joes and janes higher in debt. not a month go by without a banker calling me to accept their pre-approved personal loan!

I doubt how come you can get a 27K loan fm the bank. It's not a wise idea paying PTPTN loan using the personal loan. I suggest you don't take the personal loan to settling your debt or as downpayment of your house until you really can afford it.

how if she already took the personal loan and bank already disbursed to her?

on top of the PTPTN,

TS, its not easy wat u think with rm27k, then you can get any condo that 900sq up, somemore near Ampang area, i can tell there is NO WAY with your rm27k,

let's talk the fact, i assume very old with 500sq/ft which might cost at least rm300k (i assume in low side), already cost RM30k + 15k legal fees? = RM45k. How about renovation a bit?

above still not consider your monthly commitment, loan can be approve and etc...

thus, its not so easy as what you think...

better reject the personal loan....

PTPTN 4% --repayment 15 yrs vs Personal loan (8-12%) --repayment 3 yrs??

Apa logic ni??

you're really daring. ptptn don't want to pay, trying to use personal loan to pay it yet now thinking to use the money for property.

better return back your personal loan, appeal to ptptn, start paying them monthly without fail, and try to do some savings.

no need to think about buying property.

I wonder his income - his liabilities now will get any approval for any housing loan.... dun tell me his monthly income is 10k while not able to pay ptptn <300rm every month untill blacklisted...????


I wonder is this a true story? or just simply jokes to draw attention..... =.=lll fooling forumer here???

A piece of advice before you will find yourself in AKPK instead.

Return the personal loan immediately, PTPTN resort to blacklist because you choose to ignore and avoiding them for a long period of time and unless its due to some technical issue then serve you right. Pay what you have given.

Don't even think of buying a condo because the startup cost is high. With 27k for deposit, snp, loan legal and stamp, you only able to get a rm130k condo at most.

This post has been edited by seydee: Mar 16 2011, 12:03 PM

strongly agree with few replies here.
1. return the money to the bank before they start charging u interest
2. start paying your PTPTN on time.
3. start your saving after all settlements.
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otherwise, increasing liabilities will lead u to ''holland''
we don wish to see someone doing bugggie jump from high building again.

Can still pay monthly. Mst show sincerity and don't skip a mth or 2. Then they will consider to take you down from the list.
Btw, TS never reply also. Is this a joke thread?

totally agree !! this should be the step of getting out rather getting deeper....

write to PTPN and visit them and make your repayment consistent for few years and I think they will agree to take you out from blacklist (Depends on how long they wan to see the transaction...but since you have the background d....dun get it black list again or else u lost all ur creditability from them and once get blacklist you will blocked at imigration counter from going out boleh land !)

she will most likely login tonight only...

give the lady a break, u all sound like radio advertisement
now, ts, indulge to electrify urself, make it sexy! then rich guys come knocking on ur door
after tat, semuanya ok

That doesn't sound very constructive

u mean yourself?

haha.. okok, u all can continue to be radio advertisement

not a bad idea actually.

yes better pay the ptptn loan