Dec 24 2014, 06:48 PM
QUOTE(wild_card_my @ Dec 23 2014, 08:22 PM)
Isn't PTPTN going to be included into CCRIS come next year? Then yes, it will affect your loan eligibility but not by much. Don't worry about it. This is because most PTPTN borrowers have less than 50k outstanding, which isn't much, and shouldn't be the reason to stop you from getting a loan. Actual reasons that stop you from getting the loans are like:
a. being a crappy paymaster (you don't pay or pay your installments 'in bulk')
b. You have too much CC outstanding (worst commitment calculation. I would rather have RM100k housing-loan outstanding than 50k CC outstanding)
c. You are in AKPK programs
No one knows how the banks are going to calculate the PTPTN commitments (Will it be like a HL, HP, PL, or ASB loan?), but once we do know I will let you guys know too.
Most importantly is that you pay your installments on time ok?
From my understanding,gomen will only put people's name in CCRIS when they default paying the debt.but if they consistently pay,it will not included in CCRIS..a. being a crappy paymaster (you don't pay or pay your installments 'in bulk')
b. You have too much CC outstanding (worst commitment calculation. I would rather have RM100k housing-loan outstanding than 50k CC outstanding)
c. You are in AKPK programs
No one knows how the banks are going to calculate the PTPTN commitments (Will it be like a HL, HP, PL, or ASB loan?), but once we do know I will let you guys know too.
Most importantly is that you pay your installments on time ok?
please correct me if i'm wrong
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