QUOTE(limfreelance @ Nov 12 2013, 11:54 AM)
this year, rumor said is 40% discount...oh wait.
Bajet 2014 is quiet on PTPTN.So the 20% discount is ended.
But the 10% still remains.
Disappointed with PTPTN, Diskaun 10%..only for Ujrah!
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 Nov 12 2013, 11:59 AM
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Senior Member
852 posts Joined: Jan 2003 
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So the 20% discount is ended. But the 10% still remains. |
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Nov 12 2013, 12:10 PM
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Junior Member
310 posts Joined: Oct 2007  
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Mine baki keseluruhan pinjaman (RM25.81).
So PTPTN will refund me? |
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Nov 12 2013, 12:24 PM
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Junior Member
279 posts Joined: Aug 2009 From: KL
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QUOTE(siegdelacroix @ Nov 12 2013, 11:58 AM) Seriously? I got my "surat pelepasan" within 24 hours by email. Maybe there's a misunderstanding. 6 months to confirm that we have settled the payment but the letter can be obtained immediately. i didnt get that. need to checkup my officer incharge.Letter inside: » Click to show Spoiler - click again to hide... « Edit: Its a pdf letter with letterhead etc |
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Nov 12 2013, 12:30 PM
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Senior Member
1,523 posts Joined: Apr 2005 From: too far to see
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QUOTE(kyle_1206 @ Nov 12 2013, 11:45 AM) Seriously..hard to understand...is a new skim to recalculate the remaining loan balance...right? |
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Nov 12 2013, 12:33 PM
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Junior Member
219 posts Joined: Jul 2006
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QUOTE(taitianhin @ Nov 12 2013, 12:30 PM) Seriously..hard to understand... It's either conventional (3%) or ujrah (1%). ujrah is introduced to reduce the interest. iinm.is a new skim to recalculate the remaining loan balance...right? |
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Nov 12 2013, 12:34 PM
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Senior Member
1,523 posts Joined: Apr 2005 From: too far to see
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QUOTE(siegdelacroix @ Nov 12 2013, 12:33 PM) It's either conventional (3%) or ujrah (1%). ujrah is introduced to reduce the interest. iinm. 3% on flexi loan rate...1% on fixed rate? |
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Nov 12 2013, 12:43 PM
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Junior Member
219 posts Joined: Jul 2006
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QUOTE(taitianhin @ Nov 12 2013, 12:34 PM) 3% on flexi loan rate... hmm.. just realized this. it seems to be that way. 3 % flexi, 1% fixed. That means if u are under ujrah, it doesnt matter how much you pay monthly, the "kos pentadbiran" will be the same.. right?1% on fixed rate? |
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Nov 12 2013, 12:53 PM
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Senior Member
1,523 posts Joined: Apr 2005 From: too far to see
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QUOTE(siegdelacroix @ Nov 12 2013, 12:43 PM) hmm.. just realized this. it seems to be that way. 3 % flexi, 1% fixed. That means if u are under ujrah, it doesnt matter how much you pay monthly, the "kos pentadbiran" will be the same.. right? i guess so...i remember ppl mention abt it... The pentadbiran cost is cheapskate... what do they do ...actually send the money to them with a middle finger attach...  |
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Nov 12 2013, 03:53 PM
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Junior Member
244 posts Joined: Jun 2006 From: the bolehland..
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QUOTE(siegdelacroix @ Nov 12 2013, 12:43 PM) hmm.. just realized this. it seems to be that way. 3 % flexi, 1% fixed. That means if u are under ujrah, it doesnt matter how much you pay monthly, the "kos pentadbiran" will be the same.. right? to those who're paying promptly, Ujrah is actually a "scam".. this is because it calculates your loan balance as at Jun 2008 and not at the start of the loan repayment itself.. those who learn accounting/finance should know this.. |
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Nov 12 2013, 03:57 PM
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Senior Member
1,933 posts Joined: Sep 2008
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is it true ujrah only can pay with salary deduction?
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Nov 12 2013, 04:07 PM
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Junior Member
21 posts Joined: Aug 2013
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why i never get letter of release?? already paid all my loan since 2008..
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Nov 12 2013, 04:13 PM
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Junior Member
373 posts Joined: Mar 2011
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QUOTE(99FoxDemon @ Nov 12 2013, 09:13 AM) this PTPTipooo wtf!! you try borrow from cina ah long. see what will happen. im finish paid everything last year and after i see this thread i check again my acc & suddenly still got balance RM59.80??   |
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Nov 12 2013, 05:02 PM
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Junior Member
78 posts Joined: Mar 2013
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How to check the balance after finish paying?
I had the release letter saying that i had settled the payment. It took almost 3 months to chase for the release letter, so who ever who had PTPTN settled, you should chase for your release or settlement letter. |
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Nov 12 2013, 05:08 PM
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Senior Member
852 posts Joined: Apr 2012
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I did not change to ujrah coz of the t&c. Its just to give ptptn more authority
1) they can share ur information to any banks or employer 2) they can authority to blacklist ur name 3) they can change the content of the agreement without prior notice I was also tempted to change to ujrah when it was 1st introduced. But after carefully reading the agreement. I cancel |
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Nov 12 2013, 10:26 PM
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Junior Member
52 posts Joined: Jun 2011
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QUOTE(Babablacksheep @ Nov 12 2013, 11:59 AM) Bajet 2014 is quiet on PTPTN. Najib only give 20% because want votes.So the 20% discount is ended. But the 10% still remains. |
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Nov 12 2013, 10:32 PM
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Senior Member
1,044 posts Joined: Jun 2008
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actually, 10% discount macam tak de discount only
More like they waive off the interest only  |
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Nov 12 2013, 10:40 PM
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Junior Member
97 posts Joined: Sep 2010
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ada la...i received the 10% discount
but then i still have another RM 45,416.87 to payback haiz.... fml |
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Nov 12 2013, 10:41 PM
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Junior Member
464 posts Joined: Apr 2010 From: Des Plaines
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settled mine last year, one shot full payment. got 20% discount + surat pelepasan on the spot.
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