QUOTE(Avangelice @ Dec 5 2018, 08:10 PM)
dude do you get it or not? suddenly from 10years you are forced into a 4 years loan. do you know how much pressure is there. habis savings how?
all jump 14th floor lah
Salary 8k will be potong 1.2k to pay PTPTN Chat
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Dec 5 2018, 08:27 PM
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Senior Member
1,257 posts Joined: Apr 2011 From: Penang Malaysia, sometime KL |
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Dec 5 2018, 08:28 PM
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Junior Member
276 posts Joined: Nov 2005 |
QUOTE(junsheng @ Dec 5 2018, 08:23 PM) lol tat y i said u stupid lah, dare 2 say free market economics sumore lol dumbass you just contradicted your own point. doing so will shock shrink tax generated from those income group since they spend the most gov earn the most tax from them, free market demand & supply mah u knw how long it take 2 recover or not? i bet u don't even knw time 2 recover & its fomula is wat thn u said but bank won't? how r u sure bank won't, if 1 can get away with it another will follow, whn u no options how 2 get free market? u don't 4get free market always factor in profits they wuld have done it long go if they could, but they just cant. Thats free market economics for you. you are nothing more than trying to lick PH ass and being a jerk. |
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Dec 5 2018, 08:29 PM
Show posts by this member only | IPv6 | Post
#283
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Newbie
17 posts Joined: Jun 2018 |
it is fair if deduct salary for those who never pay. but those who pay on time every month, it is not fair. can we bring the old contract to the court as PTPTN violated the contract? we can simply cancel a contract and force people to pay? if like that, what is the use of contract? if suddenly bank business no good, send you a letter telling you old offer letter and contract all void, you have to pay up all your house loan balance else the bank will pull the house, that is ok also?
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Dec 5 2018, 08:29 PM
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Senior Member
1,255 posts Joined: Dec 2013 |
My cousin 1 shot pay all, then migrate overseas.
My fren also, pay all one shot 2 yrs after graduation. Then focus on other loans car/house. It’s a loan. Must pay. Different if it’s a scholarship. No need to repay. |
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Dec 5 2018, 08:30 PM
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Senior Member
5,272 posts Joined: Jun 2008 |
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Dec 5 2018, 08:30 PM
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72 posts Joined: Apr 2015 |
this was a total dick move by PH showing that they are just pieces of shit from BN era.
but if earning 8k then just pay up la. 8k is already living comfortably if spending is not lavish and no major commitment like family medical etc. |
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Dec 5 2018, 08:30 PM
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Senior Member
2,714 posts Joined: May 2008 |
QUOTE(ryde @ Dec 5 2018, 08:29 PM) it is fair if deduct salary for those who never pay. but those who pay on time every month, it is not fair. can we bring the old contract to the court as PTPTN violated the contract? we can simply cancel a contract and force people to pay? if like that, what is the use of contract? if suddenly bank business no good, send you a letter telling you old offer letter and contract all void, you have to pay up all your house loan balance else the bank will pull the house, that is ok also? Yes please hire a lawyer and launch class civil action suit...Pop corn time |
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Dec 5 2018, 08:33 PM
Show posts by this member only | IPv6 | Post
#288
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Senior Member
1,129 posts Joined: Nov 2015 |
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Dec 5 2018, 08:33 PM
Show posts by this member only | IPv6 | Post
#289
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Junior Member
234 posts Joined: Jan 2003 From: Somewhere in the backbone... |
bayar je la... sudah enjoy duit lagi mau putar halim bila mau bayar.... pu ki tiam
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Dec 5 2018, 08:34 PM
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Senior Member
4,893 posts Joined: May 2008 |
Phew another ptptn thread full of salty replies.
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Dec 5 2018, 08:34 PM
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Junior Member
276 posts Joined: Nov 2005 |
QUOTE(GoingMerry @ Dec 5 2018, 08:29 PM) Econonics experts, let's be clear haha... Banks won't reduce loan tenure from 30 yrs to 10 yr when they see u earn much more money. In fact, they will lend you more. exactly you're another dumbass contradicting your own point.It's their main income laa.. why reduce loan period? break their own rice bowl? So, don't compare banks and ptptn like this leh...experts. you just explained the reason why banks dont do it and why PTPTN can. |
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Dec 5 2018, 08:34 PM
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Junior Member
266 posts Joined: Jul 2008 |
KNN MCB .. pinjam duit tak bising .. suruh bayar bising.
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Dec 5 2018, 08:35 PM
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Junior Member
30 posts Joined: Jul 2011 |
QUOTE(Manada @ Dec 5 2018, 08:17 PM) Let me change the analogyYou get a loan from bank in 1990 and monthly installment based on that time blr is 300 Economy crisis in 97/98 and all of sudden u have to pay 1000 but can't afford it due to 6-7 mouths to feed. Apa susah? 14th floor la. Lel |
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Dec 5 2018, 08:36 PM
Show posts by this member only | IPv6 | Post
#294
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Newbie
17 posts Joined: Jun 2018 |
should have caught LGE for bribery previously... and regret vote for PH... actually using our money to pay country debt will not give its citizen a better life but only give the ministers a better life. when the debt is paid off, citizen wont get salary increment, prices of things wont go down, the ministers will use the extra money to increase their own salary.
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Dec 5 2018, 08:36 PM
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Junior Member
276 posts Joined: Nov 2005 |
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Dec 5 2018, 08:37 PM
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Junior Member
276 posts Joined: Nov 2005 |
QUOTE(a4techx7 @ Dec 5 2018, 08:35 PM) Let me change the analogy And there you go. Why PTPTN shouldnt behave like a bank.You get a loan from bank in 1990 and monthly installment based on that time blr is 300 Economy crisis in 97/98 and all of sudden u have to pay 1000 but can't afford it due to 6-7 mouths to feed. Apa susah? 14th floor la. Lel |
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Dec 5 2018, 08:37 PM
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Senior Member
2,714 posts Joined: May 2008 |
QUOTE(GoingMerry @ Dec 5 2018, 08:29 PM) Econonics experts, let's be clear haha... Banks won't reduce loan tenure from 30 yrs to 10 yr when they see u earn much more money. In fact, they will lend you more. Yes... it cannot be compare... which bank every loan you money for 1% interest.It's their main income laa.. why reduce loan period? break their own rice bowl? So, don't compare banks and ptptn like this leh...experts. So don't compare when the government decided to change policy to clip pay back rate to salary. Some of those I know, enjoying the 1% low interest rate for so long... investing in ASN, FixD or stock and paying merely the minimum with salary >5k... Now when government change policy to increase payment, all F words come out.... These ppl can easily payback just by taking out their investment.... But no, they won't... they want to enjoy interest free loan.... |
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Dec 5 2018, 08:37 PM
Show posts by this member only | IPv6 | Post
#298
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Junior Member
555 posts Joined: Aug 2013 From: Bolehland |
wah so many kturds with outstanding ptptn rupanya
all the best managing your finances! hope you are already saving 30% of your income consistently so things like this do not hit your wallet like a brick to the head |
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Dec 5 2018, 08:38 PM
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Junior Member
906 posts Joined: Jun 2005 |
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Dec 5 2018, 08:39 PM
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Senior Member
2,714 posts Joined: May 2008 |
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