Dear,

1. March ccris update, ptptn had updated bundle of defaulters. Even defaulting 3months will get yr record in the ccris. Well I can is, gov need cash. Haha

2. If ptptn arrears appeared in ptptn. It will make ur loan rejected.
Well, to topple this, you need to either settle the ptptn loan and get 4 pages of loan settlement letter
Or
Ask for ptptn loan restructuring. Then get restructuring letter from ptptn.

3. Apply loan with both of either one of the letter, will get ur loan approved. As per all my cases this month got affected by ptptn debt. All proceed smoothly with the letter provided by ptptn.

Cheers

ic, okay if need me to look into it, let me know

Dear,

It happens. So make sure never owe any gov duit. Haha
Anyway, get the letter from ptptn and reapply with a other bank or with current bsn

Cheers

Haha, go get it restructure la ... unless u got the money to pump in 1 shot settle all

If restructure will still appear on CCRIS?

nope, it will be removed from CCRIS, will reflect on next month 11th April

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?

Dear
If you have restructure, it won't appear in the ccris.

Cheers

Anything as long as CCRIS, all ur loan and credit card application will be considered "frozen" until you pay it off.

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

Im the one who just send to you my document through my agent.

Darn!

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

Still got time until the 10th of next month. Better settle it off so they can update the files

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

Depends on whether PTPTN follow the guideline set by BNM. They're adapting the system now. I mean if you can settle things earlier, then why wait until last minute right ?

Yes, u r right!

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

Dear captain america,

1. To give you the most concise answer, do settle the loan with ptptn before 28th or 29th. There's a cut off time in between the end of the month for this. Hence, you don't really have much time, if you want your CCRIS on the 10th April to reflect cleared status.

However, with the ccris showing ptptn debt, you can still proceed with the loan submission, given that you have the letters to show you have either settled or restructure the ptptn debt outstanding.

2. Just do it ASAP, it buys you a peaceful mind.

Cheers.

Dear cybpsych,

1. Yes, bank will need to look at the credited dividend amount, given that it is stated in the book or in a statement. Either way will work.

2. well, do send me a reference to confirm whether this can be used.

Cheers.

Booklet can use, as long as got more than 2 years record should be quite safe, 1 year record only some banks can accept.