QUOTE(kawteem @ Apr 1 2016, 10:31 PM)
Hello sifus,
My friend has an outstanding PTPTN with an amount of 6k. He recently went to check on his CCRIS and found out that the 6k is equivalent to '58' inside CCRIS report. I assume this 58 is the number of outstanding monthly repayment he has missed. He currently still on conventional and not converted to ujrah yet. His plan is to settle the 6k outstanding then only convert to ujrah. So the questions are;
1- After settling the 6k, the current+following months will change to 0 0 0 0, provided he pays accordingly to the ujrah new repayment table?
2- Is changing to ujrah will wipe off the old record of 58 in conventional loan in CCRIS, in such a way that new loan(ujrah) is now inserted to CCRIS and old loan(conventional) is removed since the new agreement is made? (ujrah replace conventional, maintain single entry of PTPTN in CCRIS)
3- Or is it the 58 line will still be there, and a new line is inserted to CCRIS? (new loan agreement, means 2 entries of PTPTN in CCRIS)
Thank you very much in advance.
QUOTE(ideologist @ May 16 2016, 11:27 PM)
No, not converting from conventional to ujrah. Restructuring means reschedule the loan tenure that will reflect in CCRIS status and you will get a new agreement for the restructuring. At first i thought it shouldnt be a problem as i get new agreement and new loan tenure and thinking it was like a fresh loan, but i was wrong. Once you restructure, T status will appear in CCRIS and most banks wont approve any loan application. I havnt try with Maybank and PB but some PTPTN officers told me these banks would allow any loan application as long your CCRIS standing are in good conditions.
Converting from conventional to ujrah wont affect your CCRIS btw.
Thanks bro. I posted the above on behalf of a friend and he is now unsure whether to convert from conventional to ujrah. If you don't mind and have answers, appreciate if you could provide some answers. And are you sure of below statement?
Converting from conventional to ujrah wont affect your CCRIS btw