so actually can
deposit RM800k on 30.4.2020
Withdraw out next day and get buta RM8000 !

many people asked and all were told yes PTPTN will pay that 1% as long as money is deposited within campaign period.
and can withdraw after campaign!
So no loop hole, it was openly known by all, even pointed out to the PTPTN people by many of us

i believe it is becos not many big "abuser" so PTPTN pays.
and did not resort to the clause they can revise without notification.

Come next round i will take the risk of putting in BIG amount for 1 day to see how
this round i earned RM1700+ only


Thanks for the info.

At 3% rate, 1day loss RM65+ compared 1% 1 day gain RM8000, how ?

yeah 1 week already

you can see earlier posts people said they got the 1% also,
despite withdraw early May

FPX deposit is fast same day
B Islam can do RM500k a day.

better use Boost, I got back RM9+k Boost rewards
RM500 sspn lucky draw free gifts etc
sspn


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now yes, FD rate so low.
open account under agent,
email him receipts, he may give free gifts

No. Mostly gifts given by ptptn agents
only the fitbit, cooker and RM500 from lucky draw

there is winner list but. RM500 still notreceived yet
The Fitbit was sent by mail.

just deposit every month, lucky draw is bonus.
free gift enough. my agent will give me another bag

if luck comes buy RM100 also strike

received free gift for sept deposits, rm3ok earned boost coins worth RM600.
deleted

This post has been edited by guy3288: Oct 10 2020, 04:53 PM


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Try 011-1095-2566
Nurajiha PTPTN HQ


Previously yes in and out,
now in in in

if you put in 300k, withdraw 29ok year end no problem

sspn so good? no way

just ask the people in sspn


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the take home message is
Want to deposit do it before 5th
Want to withdraw do it after 5th

going by the above info i reckon interest is calculated
based on amount on the 5th this month minus all withdrawal till the 5th next month

something like if use the example here

Interest for Aug is based on RM11000-500-1000=RM9500
Deposit on 2k on 16.8.20 no int

Sept based on RM12000-2000-2000=RM8000
Dep on 20.9.20 no Int, WD on 4.10.20 lost interest

Oct based on RM12500 -1000-1000 =RM10500

Nov based on RM12500-2000 =RM10500
Dep on 1.11.20 and 3.11.20 lost 1 month interest due to WD on 5.12.20!


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Looking at your table you are saying

1)SSpn calculate dividend based on the amount on the LAST day of the month.

Logically it should pay based on the amount on the 1st day of the month, held till the end , minus all withdrawals in between.

If not, imagine i deposit RM10k on the last day and sspni pay me 30days interest buta!

See your example Month 9 (Savings from 6/8/20 to 5/9/20) the deposit of RM500 on 5.9.20 dapat buta 30 day interest.
How if the person put RM100k on the last day, can SSPNi afford to pay dividend like that?



PS=sorry wrong person

This post has been edited by guy3288: Nov 4 2020, 02:26 PM

Looking at your table you are saying

1)SSpn calculate dividend based on the amount on the LAST day of the month.

Logically it should pay based on the amount on the 1st day of the month, held till the end , minus all withdrawals in between.

If not, imagine i deposit RM10k on the last day and sspni pay me 30days interest buta!

See your example Month 9 (Savings from 6/8/20 to 5/9/20) the deposit of RM500 on 5.9.20 dapat buta 30 day interest.
How if the person put RM100k on the last day, can SSPNi afford to pay dividend like that?

Common sense lah.
can test it on SSPN statement also.
i just looked at one sample, and true enough that's the way dividend calculated


no way SSPN will pay you buta interest
no way you get interest for amount withdrawn on that month.

2018 Dividend 4% paid 1.1.2019 RM171.90

Jan 2018 Div based on Balance on 5.1.2018 - withdrawals =RM9749.18
Feb RM9749.18 - 9720 =RM29.18
Mac RM29.18
Apr RM29.18
May RM29.18
Jun RM29.18
Jul RM6229.18 - 6200 = RM29.18
Aug RM18029.18 -10000 =RM8029.18
Sep RM8029.18
Oct RM8029.18 -8000 =RM29.18
Nov RM8029.18
Dec RM17529.18

Dividend
RM9749.18 x4%/12 x1
RM29.18 x4%/12 x7
RM8029.18 x 4%/12 x3
RM17529.18 x 4%/12 x1===>Exactly RM171.90!!







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The Penang GM came to my office the other day, sliigtly different version from him,
he said withdrawal from 1st -5th is not deducted. Rests all as above same.

yeah, one of my 4 accounts, the least active.

put in too much this yr need to withdraw less 8k tax relief
After lucky draw 5.12.20 will go counter trf out
BI transfer no limit would be nice
Anyone knows the limit of BI SSPN trf to SA?
free gifts for my monthly deposits


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Thanks, 30k seems good but i would need more.

rm30k

PS:I regularly receive email from PTPTN agents from outstation, KL HQ.

Wonder how reliable they are in promising to send (back pack) in exchange of SSPNi deposit receipts

RM8000 = 1 backpack.

Anyone sent recipt n received gift by post?

This post has been edited by guy3288: Dec 6 2020, 10:48 PM