CCRIS record will be clean after this salary deduction scheme?
Salary 8k will be potong 1.2k to pay PTPTN Chat
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 Dec 5 2018, 06:38 PM
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#101
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Junior Member
167 posts Joined: May 2005 From: tHe 11Th PlAnEt�   
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Dec 5 2018, 06:38 PM
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Senior Member
1,178 posts Joined: Aug 2014
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Many regretted voting ph liao
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Dec 5 2018, 06:40 PM
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Senior Member
721 posts Joined: Jul 2007 From: Chii ?
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QUOTE(fuzzy @ Dec 5 2018, 06:34 PM) Unless they noob (which I won't be surprised) there will be clauses that allow them to adjust the term and conditions that will supersede the old terms. interesting point, BLR rates adjustable are highlighted in the agreement. PTPTN did not.You signed loan agreement to buy a house, but the monthly repayment also changes if the BLR is raised right? The borrowers have the option of immediately repaying the debt. If a normal business raise the interest to 200% this year, what you can do is go take a loan from another business at 6% and settle it. So yes, they can do it and they won't, because it will kill their business. However, PTPTN is not meant to 'generate' income per say, so they can do it.  there are clauses allowing them to adjust somethings, but directly dipping hands into borrower's pocket is something kinda extreme compared to adjust clauses. if this was possible, why BN did not do it ? they could gotten more money for Big Mama. |
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Dec 5 2018, 06:40 PM
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Senior Member
818 posts Joined: Nov 2009 From: Not Your Business
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suddenly ayam recall the person i hate never pay single sen...
think of his disposable income suddenly kena cut.... wahahahahahaha.... syok ahhh!!! pinjam to buy ptptn to buy and flunt his gadget during school time.... PAY BACK NOW!!!!!! |
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Dec 5 2018, 06:41 PM
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#105
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Junior Member
123 posts Joined: Sep 2007
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QUOTE(jmas @ Dec 5 2018, 05:53 PM) they pandai, last time ask all update salary on PTPTN, for <RM4000 can no need pay. Smartnow got record d |
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Dec 5 2018, 06:41 PM
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Senior Member
1,365 posts Joined: Aug 2005 
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QUOTE(mafioso @ Dec 5 2018, 06:10 PM) RIP now i have to pay about 400 instead of 200++ so im paying 2 months each payment. FUK  give them 5 years only judge....takkan hari ini kahwin esok telur |
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Dec 5 2018, 06:41 PM
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Senior Member
818 posts Joined: Nov 2009 From: Not Your Business
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QUOTE(M4A1 @ Dec 5 2018, 06:38 PM) pay SG govt tax le ya la, which mean msia side no 1 gonna check their income right??or LHDN still will ask them to do filing? |
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Dec 5 2018, 06:41 PM
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Senior Member
721 posts Joined: Jul 2007 From: Chii ?
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QUOTE(H3artBreakKid @ Dec 5 2018, 06:37 PM) True tho, Ptptn has the lowest interest rate for loans in the country. and still some people still take out EPF to repay.   |
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Dec 5 2018, 06:41 PM
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(Chobits @ Dec 5 2018, 06:32 PM) paying faster is bad, if you understand investments. It depends on your context... paying faster is bad for you but good for the country  |
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Dec 5 2018, 06:42 PM
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Junior Member
78 posts Joined: Jun 2011 From: money-sa advanced
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so less than RM2000 no need to pay anything
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Dec 5 2018, 06:42 PM
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Senior Member
875 posts Joined: Jul 2008 From: :hehe:
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QUOTE(Joe_Longgo @ Dec 5 2018, 05:45 PM) I called PTPTN Careline 2 hours ago, this will apply to ALL borrowers, regardless if you are paying on schedule, already reschedule, or already use EPF to set of certain amount, or have credit balance. ALL previous arrangement will be ceased and deduction based on salary apply. sien i pay on time mia ler |
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Dec 5 2018, 06:43 PM
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Junior Member
43 posts Joined: Jun 2018
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QUOTE(unthuged @ Dec 5 2018, 06:41 PM) HOLD ON. SO IF I EARN 20k, RM3000 will go to PTPTN? Yes man. applies to ALL. ALL |
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Dec 5 2018, 06:44 PM
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Junior Member
454 posts Joined: Jun 2012
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QUOTE(unthuged @ Dec 5 2018, 06:41 PM) HOLD ON. SO IF I EARN 20k, RM3000 will go to PTPTN? habis, /ktards semua kena QUOTE(Chobits @ Dec 5 2018, 06:41 PM) and still some people still take out EPF to repay. yeah kenot brain sial QUOTE(cdspins @ Dec 5 2018, 06:41 PM) It depends on your context... paying faster is bad for you but good for the country every man for themselves bruh |
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Dec 5 2018, 06:44 PM
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Senior Member
1,365 posts Joined: Aug 2005
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QUOTE(psyduck89 @ Dec 5 2018, 06:41 PM) ya la, which mean msia side no 1 gonna check their income right?? i think so?or LHDN still will ask them to do filing? then convert salary? 2.6k sgd need pay sgd 400 for ptptn.... |
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Dec 5 2018, 06:44 PM
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Senior Member
768 posts Joined: Dec 2008
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QUOTE(Joe_Longgo @ Dec 5 2018, 06:06 PM) Another person missing the point. The rant here is about compulsory 15% deduction regardless if have follow your schedule payment or not. You have been paying 500 for maybe 5 years, but now suddenly monthly payment increase to RM1.3k per month. ALL borrowers affected no matter u good paymaster or not Gov is not simply set those payment one. I think they had done some calculation with those numbers.Take your RM 500 per month for example. 500 x 12 x 15 = 30k 30k your PTPTN has already paid off or almost want to paid off. Another scenario. A person income won't go from 2k to 8k in a blink of an eye. So, when a person earn 8k, and still paying 500 per month. What is that mean? A piece of shit la... Gov borrow you money for you to study, and you only pay 500 when your income is 8k? Come on... You owe people money and want to beg you pay back ar? Gov treat those PTPTN loaner so good they don't know how to appreciate. Borrow 30k from bank and don't pay and see. They direct sue you bankrupt you will never going to be stand up again. |
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Dec 5 2018, 06:45 PM
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Senior Member
818 posts Joined: Nov 2009 From: Not Your Business
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QUOTE(M4A1 @ Dec 5 2018, 06:44 PM) i think so? aiya, nvm la...then convert salary? 2.6k sgd need pay sgd 400 for ptptn.... no ptptn they might not able to secure the job in sg pun.. kekekeke  |
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Dec 5 2018, 06:46 PM
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#117
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Junior Member
74 posts Joined: Aug 2014
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Tak bayar habis lagi? Padan muka, padan muka, padan muka, Padan muka, padan muka, padan muka.
Aku dah bayar habis lama dah |
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Dec 5 2018, 06:46 PM
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Senior Member
818 posts Joined: Nov 2009 From: Not Your Business
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QUOTE(unthuged @ Dec 5 2018, 06:45 PM) Please tell me this is ridiculous. Because of some irresponsible people, now we all kena. They think we got no other commitment? Until straight demand 15% every month? 8k salary baru 15%... since /k everyone 20k... which mean everyone kena |
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Dec 5 2018, 06:46 PM
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Junior Member
454 posts Joined: Jun 2012
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QUOTE(e_mc_square @ Dec 5 2018, 06:44 PM) Gov is not simply set those payment one. I think they had done some calculation with those numbers. commitments they said Take your RM 500 per month for example. 500 x 12 x 15 = 30k 30k your PTPTN has already paid off or almost want to paid off. Another scenario. A person income won't go from 2k to 8k in a blink of an eye. So, when a person earn 8k, and still paying 500 per month. What is that mean? A piece of shit la... Gov borrow you money for you to study, and you only pay 500 when your income is 8k? Come on... You owe people money and want to beg you pay back ar? Gov treat those PTPTN loaner so good they don't know how to appreciate. Borrow 30k from bank and don't pay and see. They direct sue you bankrupt you will never going to be stand up again. |
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Dec 5 2018, 06:47 PM
Show posts by this member only | IPv6 | Post
#120
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Junior Member
74 posts Joined: Aug 2014
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QUOTE(unthuged @ Dec 5 2018, 06:41 PM) HOLD ON. SO IF I EARN 20k, RM3000 will go to PTPTN? Hutang bayar la sohai. Nak rant apa jadah. |
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