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> Salary 8k will be potong 1.2k to pay PTPTN Chat

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junsheng
post Dec 5 2018, 08:27 PM

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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?
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all jump 14th floor lah rclxms.gif
juvaan
post Dec 5 2018, 08:28 PM

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QUOTE(junsheng @ Dec 5 2018, 08:23 PM)
lol tat y i said u stupid lah, dare 2 say free market economics sumore
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
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lol dumbass you just contradicted your own point.

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.
ryde
post Dec 5 2018, 08:29 PM

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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?
TiramisuCoffee
post Dec 5 2018, 08:29 PM

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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.
Avangelice
post Dec 5 2018, 08:30 PM

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QUOTE(junsheng @ Dec 5 2018, 08:27 PM)
all jump 14th floor lah  rclxms.gif
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you may find this funny but do know there are many who will find it hard to sleep tonight. I'm talking about the honest middle income group...mind you they have one month to figure out their finance cum January
cant think of a username
post Dec 5 2018, 08:30 PM

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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.
cdspins
post Dec 5 2018, 08:30 PM

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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?
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Yes please hire a lawyer and launch class civil action suit...
Pop corn time
RallyNight
post Dec 5 2018, 08:33 PM

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QUOTE(M4A1 @ Dec 5 2018, 08:13 PM)
U sign agreement with bank for house or car loan for 1k

Suddenly bank said no money, next mth u pay 5k

I tell u, dah hutang bayar aje la
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No choice, i did 1 off payment with my savings. So savings is very important.
Clan204
post Dec 5 2018, 08:33 PM

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bayar je la... sudah enjoy duit lagi mau putar halim bila mau bayar.... pu ki tiam
JonSpark
post Dec 5 2018, 08:34 PM

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Phew another ptptn thread full of salty replies.
juvaan
post Dec 5 2018, 08:34 PM

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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.

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.
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exactly you're another dumbass contradicting your own point.

you just explained the reason why banks dont do it and why PTPTN can.
SUSahter
post Dec 5 2018, 08:34 PM

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KNN MCB .. pinjam duit tak bising .. suruh bayar bising.
a4techx7
post Dec 5 2018, 08:35 PM

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QUOTE(Manada @ Dec 5 2018, 08:17 PM)
So what were you doing all these while before you hit RM8k salary? Starbucks and cheonging?
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Let me change the analogy

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
ryde
post Dec 5 2018, 08:36 PM

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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.
juvaan
post Dec 5 2018, 08:36 PM

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QUOTE(ahter @ Dec 5 2018, 08:34 PM)
KNN MCB ..  pinjam duit tak bising .. suruh bayar bising.
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bukan tak bayar la sohai, the point is why this ruling applied to all? Why not only on defaulters?

change payment agreement at free will you ok?
juvaan
post Dec 5 2018, 08:37 PM

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QUOTE(a4techx7 @ Dec 5 2018, 08:35 PM)
Let me change the analogy

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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And there you go. Why PTPTN shouldnt behave like a bank.
cdspins
post Dec 5 2018, 08:37 PM

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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.

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.
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Yes... it cannot be compare... which bank every loan you money for 1% interest.
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.... devil.gif
ketupatlazat
post Dec 5 2018, 08:37 PM

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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
desmond2020
post Dec 5 2018, 08:38 PM

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QUOTE(ketupatlazat @ Dec 5 2018, 08:37 PM)
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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I heard all are 20k income club?
cdspins
post Dec 5 2018, 08:39 PM

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QUOTE(GoingMerry @ Dec 5 2018, 08:35 PM)
They should one shot pay house and car. much higher interest la.

PTPTN only 1%. wise one will pay slowly.

Trust me, real reason many butthurt here. ONE PERCENT.
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Agree... I bet most of those wise one is the one complaining the most cool2.gif

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