RM8k.

After tax &EPF = RM6.5k
Honda city = RM 900
House = RM 2000
Makan = RM 1500
Feed baby & baby stuff = RM 1500
Baki = RM600

Pay PTPTN RM1200?

Haiyo u think every guy's dream is to sit on their mom's basement and spam /k? People got life la. Want find girl to romen. No rm500k house and city how la?

I agree every loan needs to be paid.

But i dont agree on how this repayment is calculated. If based on agreement, im ok with that, but they want to force people pay based on they salary?

Imagine u buy house but repayment is based on percentage of ur salary. I dont think that is right. Ur gaji naik, the repayment also go up.

At most they should follow the stated amount in the agreement. Not more than that.

Doesn't matter how much they earn. 3k 4k.. whatever. My point is the repayment should not follow the salary. Its not logical. If a person already max his dsr, only left rm2k.. if follow gaji kasar, the amount will eat up into that 2k.

They should calculate based on gaji bersih after minus all commitment if they still wish to go on with it.

Alot of people will go bankrupt like this if they continue with that plan

Straight to bankruptcy.

Some guys are missing the point here.. its not about u gaji 8k, u pinjam kena bayar..opkosla kena bayar sebab hutang maaa... even if ur gaji that time was only like 1k, hutang kena bayar laaa... but u bayar based on agreement la.. during that time u sign that agreement, pretty sure u know how much u kena pay when u got a job.. if u dont like it/think it is a burden to u, then dun sign.. but some (or i think all), just sign saja buta2 that agreement (am i rightt??)...

fast forward when u ady secured a job, u start to pay, based on agreement.. during my time is RM150 iinm.. that time gaji was like RM2k+ fresh grad gomen.. 

Fast forward when u naik gaji, naik pangkat, u ejas the amount of payment..make it higher la.. my case, RM280 pulak.. gaji around RM5k+ (this mthly amount ady calculated  by ptptn). so i agree.. bcos i konpiden i can pay that amount without extra burden to my financial.. im pretty sure many borrowers oso liddis.. ejas to pay higher as long as it did not burden their financial..

then, tiba2 fast forward 2018, say if gaji 8k, opkos wanna revise higher..but have to factor in our burden as well.. before PH announce to cut 15% gaji for ptptn, opkos many ppl here ady plan of doing something else with that extra cash (gaji) that they got..they earned it what (naik pangkat bcos perform..its ur titik peluh).. some buy houses, upgrade car... that's bcos THEY DUN EVEN HAVE ANY IDEA OF WHAT'S GOING TO HAPPEN IN THE FUTURE.. fast forward 2-3 days ago, PH annouce bayar 15% from gaji.. smua terkejut beruk la.. b4 this tak cakap apa2 pun then suddenly announce nak potong that amount of gaji.. that's bcos most ppl ady planned what to do with their gaji b4 PH announce that!

Pretty sure if ppl know that much amount is going to be deducted once u got that much salary, not many ppl yg mau mintak naik pangkat or naik gaji.. as long as u gaji tak kena potong too much.. from RM280 per month, then tiba2 kena potong RM1200 per month..that's like more than 400% increase of monthly payment even tho ur gaji only raised less than 100%.. adil ka tu??

not bcos ppl got gaji tanak bayar loan, but its bcos ppl were caught off guard. been disciplined and be a good citizen paying loans without default and thinking that  only got few years left to finish this loan.. then suddenly, kena byr lebih..that we never planned b4..

Its like, u beli axia mthly payment RM400.. ok we can do that mthly.. then suddenly wham!! bank suka2 decide to kasi naik my mthly payment to RM1600 per month. u think ppl will just accept that and start paying 1600pm?

i strongly feel that this new rules shud only applied to those stubborn@ss yang dah kerja but still belum pernah satu sen pun bayar loan.. those stubborn@ss shud the ones kena force bayar and punished for their stubbor-ness.. those who ady paid, ady signed agreement with ptptn b4 this..  its binded ady.. stamped.. how come PH can suka2 batal that agreement? not fair oooo

im sure nobody paid attention on this when signing the agreement. then again, even if they did, this sounds not that fair..but have to sign it nonetheless..

yup..but still, have to sign it..or pay one shot sampai habis.. which beats the point of getting a loan in the first place

https://www.freemalaysiatoday.com/category/...ment-mechanism/
looks like fb did its power. while we all fight like little kids here. bravo

sadap la you desmond.

wait till you kana at one point in your life baru you tahu.

or when you kana retrench/loss of business, then will think back on what you said to these poor souls like me earlier.

Just STFU and give moral support only.

All this while, eventually semua kuda main bash but with zero facts. Baru sedar 100%. Dah explained sbb bukan xnk bayar hutang. It is because the sudden increase rate that not supposed to happen. HONOR THS AGREEMENT. But it is /k. Moron anywhere.
I'm out..

ptptn abusers finally start complaining, after so many years of "taking advantage" they have lost the war.
Feels good.

What's the point of having the agreement at the very first place? What's the point having payment schedule contract then? everybody should revise their loan commitment based on income percentage?

I am PAYING according to the agreed contract.

So question for you this year you pay your car 1000 permonth, and at 2019 you gonna pay 1500 per month if you got huge increment? Seriously? Are you doing this now?

Like that, better ask PTPTN to just deduct from EPF Account II.

Its not about gaming the system. There is a contract. Borrowers are adhering to it.

and yes according to some K...

those ppl who borrow ptptn should just accept whatever changes made without any noise. bayar aje la

if tomorrow ptptn said pay all in 1 shot..just pay with no question ask.... :thumbsup:

Actually the solution is simple. They should use net income and not gross income as the benchmark on % of payment. Net income means after all statutory deductions but does not include personal loans such as housing, car, etc.

I am sure someone who has net income of 8k should be able to afford 1.2k installment.

PH and nobita are stupid. He said political party should politicize with students right. But PH gov ptptn company also doing Ah long business to use tax payers money to borrow to students!

Now force people to pay back. They can waste money on B1RM multi billions then can la. Spend money on free education cannot? Wtf

Does it important nearly 60 or 70% already? The point is salary discrimination. So bank should also take this approach to higj earners? Start from now all salary 8k and above must use 15% of their salaries to pay one single loan. If 2 loans then 30%!!

Wtf!

come, let's look the bigger picture.
providing good education is the government's job right ?
more people getting tertiary education is good for the economy right ?
they are more professional and drives the economy more, right ?

so, it is in the government's best interest to make sure that PTPTN continues, so it can continue support to produce more graduates for the country.
now, let us look at why making PTPTN payback a firesale is bad.
first, it will discourage new borrowers, which in turn, reduces the amount of graduates.
less capable workforce for the country means less taxes, and less economy advancement.
second, with this new rule of forced payback in place.
every investor in the world would think, the government can do anything to make its people to pay debts, surely they can amend the public law and screw up private companies to pay debts to banks or the government.

so, now is this the bigger picture ? or we just pay off the PTPTN, then everything else don't matter ?