Ya. It is not even a loan and they still need guarantors. The letter that they sent is letter of consent for the guarantors, if our  guarantors is approved another letter will be sent. So much procedure. About ptptn, I also didn't apply but I think we need provide provide a proof we didn't apply. Monday I will give t&c letter, while giving I will ask about it and inform you.

I asked the foundation today while giving my t&c letter. They said we have till 29 November to submit documents about guarantors. Of course the faster you do, the faster it will get process. Only the t&c letter need to send before 29 August.

Check this thread first response. Got answer there.