Obviously you hv high commitment if you take the loan.
Bank knows.
Can't omit PTPTN payment.
PTPTN Loan in CCRIS, PTPTN Loan in CCRIS
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 Dec 13 2018, 09:49 PM
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#21
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Senior Member
2,096 posts Joined: Oct 2007 
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Dec 14 2018, 05:49 AM
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Junior Member
472 posts Joined: May 2014
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It won't matter if the term changes in ccris, it is still a ptptn loan. It is even more obvious if you never paid at all as it can be seen as 10,30, or even 100 months unpaid. I think bank negara requested to stop approving loans to people who don't pay ptptn, though I believe some banks do not enforce this strictly as they still need to cari makan.
If your ccris ptptn shows 0 outstanding, it's likely that your DSR is too high due to too much loans or pay too low, or they just don't think you will be a good customer due to type of job or whatever and just use ptptn as excuse to reject you This post has been edited by capsulr: Dec 14 2018, 05:53 AM |
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Dec 14 2018, 09:17 AM
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Junior Member
519 posts Joined: Jul 2013
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Just like Public Bank the way, sikit sikit they also report to CCRIS.
Too much. One month late also, they lipot. statement send by mail did not arrive, how to pay in time? appeal to them, but they make excuse already input in CCRIS la, cannot remove. Then later they make excuse, its not me. This post has been edited by Pete the great: Dec 14 2018, 09:17 AM |
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Dec 14 2018, 02:20 PM
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Junior Member
84 posts Joined: Dec 2005
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clear your ptptn tunggakan amount ..you will able apply loan again.
I did before. |
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Jul 11 2019, 06:56 PM
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Junior Member
85 posts Joined: Mar 2006
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QUOTE(Leohart @ Dec 14 2018, 02:20 PM) clear your ptptn tunggakan amount ..you will able apply loan again. Tunggakan pinjaman?I did before.  |
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Jul 12 2019, 11:09 AM
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Senior Member
4,830 posts Joined: Jan 2012 
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Banks will not approve loans for ppl who is defaulting on the PTPTN loan.
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Jul 12 2019, 11:30 AM
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Junior Member
85 posts Joined: Mar 2006
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Recently I apply mortgage loan. PBB wants my wife to be guarantor (S&P will include my wife's name) and want her to settle arrears PTPTN. Anyway to solve this out since she is not loan borrower.
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Nov 16 2022, 10:58 PM
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Junior Member
584 posts Joined: Jun 2010
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Just cleared my PTPTN last month using KWSP, and check CTOS just now and still have not cleared that amount even after 15th. Do I need to wait 12 months? Want to apply credit card and travel next year.
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Nov 16 2022, 11:15 PM
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#29
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Senior Member
2,663 posts Joined: Aug 2012
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QUOTE(e_X @ Nov 16 2022, 10:58 PM) Just cleared my PTPTN last month using KWSP, and check CTOS just now and still have not cleared that amount even after 15th. Do I need to wait 12 months? Want to apply credit card and travel next year. it should be show cleared by 15th Dec. CCRIS is updated on 15th day of each month.This post has been edited by Haters_Gonna_H8: Nov 16 2022, 11:16 PM |
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Nov 17 2022, 07:25 AM
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All Stars
14,511 posts Joined: Sep 2017
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QUOTE(Haters_Gonna_H8 @ Nov 16 2022, 11:15 PM) it should be show cleared by 15th Dec. CCRIS is updated on 15th day of each month. Ccris and Ctos not same. |
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Nov 17 2022, 07:29 AM
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Junior Member
723 posts Joined: Jan 2015
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QUOTE(Marcus5003 @ Dec 3 2018, 03:23 PM) Hi all, recently I'm trying to apply for a housing loan and the banker said I had a personal loan instead of PTPTN loan (the only loan I have so far). You pay on time? If so then you shouldn't have any issue to apply housing loan.Hence, I had checked my CCRIS report and noted that my PTPTN loan had stated as "other term loan /financing" instead of "education loan". I had asked the Bank Negara Malaysia (BNM) on this matter but they asked me call to PTPTN branch as they had nothing to do with the info stated in CCRIS report. However, PTPTN said they did not face this kind of issue before and no solution provided by them. I told the banker my situation and they suggest me to reschedule my PTPTN loan so that it will update the CCRIS to the correct term. But I try to avoid to reschedule my loan because PTPTN officer did not recommend me to do so since my repayment is consistent and no delay outstanding. May I know is there any method to change the term shown in the CCRIS report? Really frustrated in this situation now. Is there anyone who had came across this kind of situation before?  How much is the property you be purchasing? Yes the property price can be a factor too I got few clients still paying their PTPTN but on time, and the banker have no issue approving their loan. They be like 27 - 30+ years old then when they bought condo or rumawip from me. Some clients has bad PTPTN record, missed 1 or 2 months and the bank rejected their application. Yes I'm a real estate agent... |
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Nov 17 2022, 08:27 AM
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2,949 posts Joined: Apr 2006
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QUOTE(Napalm_man @ Nov 17 2022, 07:29 AM) You pay on time? If so then you shouldn't have any issue to apply housing loan. check your eyes.How much is the property you be purchasing? Yes the property price can be a factor too I got few clients still paying their PTPTN but on time, and the banker have no issue approving their loan. They be like 27 - 30+ years old then when they bought condo or rumawip from me. Some clients has bad PTPTN record, missed 1 or 2 months and the bank rejected their application. Yes I'm a real estate agent... The post you replied was 4 years ago. |
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Nov 17 2022, 08:44 AM
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Junior Member
723 posts Joined: Jan 2015
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QUOTE(funnyTONE @ Nov 17 2022, 08:27 AM) check your eyes. I start working as part time real estate agent around mid 2018, yes I have few clients still paying PTPTN that year 2018.The post you replied was 4 years ago. Sorry I missed the year of this post. |
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Nov 17 2022, 09:37 AM
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Senior Member
2,949 posts Joined: Apr 2006
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QUOTE(Napalm_man @ Nov 17 2022, 08:44 AM) I start working as part time real estate agent around mid 2018, yes I have few clients still paying PTPTN that year 2018. your response still relevant in general, just not to ts specifically.Sorry I missed the year of this post. I find it odd too that RHB has this weird request for their loaners. Even if ts indeed has a personal loan, why would it matters unless he has poor payment history or reached his maximum salary limit? |
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Nov 17 2022, 10:01 AM
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Junior Member
723 posts Joined: Jan 2015
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QUOTE(funnyTONE @ Nov 17 2022, 09:37 AM) your response still relevant in general, just not to ts specifically. This would be 1 of the cause for loan reject, as per you said even if it's a personal loan and if the payment on time, the buyer wouldn't having any issue to apply a housing loan. Unless the buyer's commitment already swallowed like 60% above(This is what banker taught me) of their monthly income especially those earn below 4k, there even if they paid on time but since their DSR already burst that also a reason for their loan be rejected.I find it odd too that RHB has this weird request for their loaners. Even if ts indeed has a personal loan, why would it matters unless he has poor payment history or reached his maximum salary limit? This post has been edited by Napalm_man: Nov 17 2022, 10:03 AM |
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