thanks.

i cant seem to find the online account registration for ASW2020/ASM 

any idea where?

Just want to ask, how important is PTPTN in the loan approval?

dont think there's such online service.

most likely need to visit branch to get the printout.
*update: called PNB. need to visit the Jalan Tun Razak office to get statement (balance, invested since when, etc). Can get statement on the same day. If other branches, may not be same day (didnt ask how long).

Ptptn is so important.. My housing loan has just rejected by bsn coz of ptptn... 

OMG! I just went to print my ccris, it's there!
The officer told me just updated 29/02!
Darn!

Will there be leniency? Depends on bank judgment?
Or straight denied when they see unpaid PTPTN?

Other lowyat member just take my case this evening..

I see.
I have 50 months arrear.. ;p

All my others outstanding "0" "0" "0" only..

If restructure will still appear on CCRIS?

Damn regret leh. Should apply early March.. Haiz...
I thought after so many years, became write-off case liao..
Gov really needs money now, u r right!

Will go talk to the PTPTN officer..

Btw, PTPTN will also affect personal loan?

Noted. Like that need to fast hand fast leg gao dim restructure this month!

I think 31/03 is the deadline right? What they update in April is payment until 31/03 only..

yeah I got the booklets, will scan them for reference. if not mistaken, q1 dividend coming in soon.

Dear Figo,

Thank you for the advice.
Cracking my head on this. Thinking whether to use my EPF to knock off half of it or not. Does EPF allow to pay off the debt partially or have to be fully only?

Another quick question, for mortgage loan on those completed / subsale units, can it actually has deferred period as well? Say I just wanna serve interest for the first 2yrs, and start paying principal in the next 30yrs?

I see, too bad.. tot wanna get 2nd property soon but current cadh flow not enuf to support.

If a condo unit still under Master Title after 15 years completion, which banks can offer loan?
Now still in process to get Strata title. JMB said next year should be able to obtain..

i have a quick question regarding financing the mortgage insurance.
can mlta also be financed into our housing loan? i know mrta can.

if financed into housing loan means the interest will be the same rate as the housing loan right?

I am not sure if there is any developer taking over the project or not. Let me spill the beans, the condo name is Desa Kiara.

I think the liquidator has been applying for the strata title for few years now. Yes, it takes long time...

a follow-up to MLTA/MRTA financing...

i got a banker proposing 15yrs for MRTA about RM5-6k, absorbed into loan. Monthly instalment would be less than rm100 additional.

separately, another banker proposed MLTA with RM3,600 annual premium (RM300 per month). Of course the benefits are better in terms of loan coverage and cash payout. Breakeven point is 20yrs (e.g. after 20yrs loan, the excess cash savings in MLTA can be retrieved to clear the balance house loan. **i could be wrong on the numbers, but somewhere there **

it'd seems better for MRTA since installment is a bit more. However, if MLTA, i need to budget RM300/mth, but long-term beneficial.

if we only buy 15yrs mrta but house loan tenure is 35yrs, can we renew/buy again after 15yrs?
i am still contemplating between getting mrta vs mlta, even after understand their different