Salary 8k will be potong 1.2k to pay PTPTN Chat
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 Dec 5 2018, 11:09 PM
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Senior Member
3,125 posts Joined: Jun 2008 From: Mars   
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Wtf betul.. We monthly pay on time now need pay more... The percentage increase as well with higher income.. Hello we kena reduction with income tax when higher income.. And they give employer tax free for help us pay ptptn..
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Dec 5 2018, 11:11 PM
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Senior Member
2,106 posts Joined: Jul 2018
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QUOTE(cristiano7mu @ Dec 5 2018, 10:43 PM) 20% discount only applicable if pay at ptptn office? Can it be done via online? asking the same, did some research online but it seem that only can settle in the office |
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Dec 5 2018, 11:11 PM
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Senior Member
1,255 posts Joined: Dec 2013
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QUOTE(GoingMerry @ Dec 5 2018, 08:35 PM) They should one shot pay house and car. much higher interest la. They want to clear their oldest debt 1st, then only take newer loans. PTPTN only 1%. wise one will pay slowly. Trust me, real reason many butthurt here. ONE PERCENT.  Also, Ptptn sum not as much as car/house loans.  You got a valid point!  Ya, how come gov x tot of increasing the interest!? |
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Dec 5 2018, 11:11 PM
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Senior Member
4,706 posts Joined: May 2008 
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if gaji increase within that bracket..will be nightmare to that employee. lol
macam our income tax tier |
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Dec 5 2018, 11:13 PM
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#485
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Junior Member
121 posts Joined: Apr 2011
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Nett salary RM5K. Ailing parents, just got married with a house. While been paying back PTPTN on scheduled.
GG. Damn you Wan Saiful. This post has been edited by Blackscreamerz: Dec 5 2018, 11:13 PM |
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Dec 5 2018, 11:13 PM
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#486
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Senior Member
1,518 posts Joined: Jul 2009 From: Are Lock Stuck, France
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salary - 8k
home loan - 2k honda cibic - 1.5k credit card - 1k personal loan -2k utilities, makan, shopping - 1.5k kena tolak 1.2k ptptn mau adjust dekat mana, kena jual honda cibic laaa |
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Dec 5 2018, 11:17 PM
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All Stars
12,290 posts Joined: Aug 2006
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the employer tax relief proposal is a good loophole to use, if i were a ptptn loaner....
tell employer, instead of paying me more salary (which i will need to pay taxes on), use that money to pay my ptptn loan....i get "tax free" extra salary, and the employer gets tax relief.... |
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Dec 5 2018, 11:18 PM
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Senior Member
845 posts Joined: Apr 2007 From: the sins never die
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so how? next erection you mau pancut dalam siapa?
inb4 abph |
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Dec 5 2018, 11:19 PM
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All Stars
12,290 posts Joined: Aug 2006
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QUOTE(art6969 @ Dec 5 2018, 11:13 PM) salary - 8k how come no ptptn loan repayment?....defaulter ah?....home loan - 2k honda cibic - 1.5k credit card - 1k personal loan -2k utilities, makan, shopping - 1.5k kena tolak 1.2k ptptn mau adjust dekat mana, kena jual honda cibic laaa |
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Dec 5 2018, 11:19 PM
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Junior Member
54 posts Joined: Aug 2010
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QUOTE(limeuu @ Dec 5 2018, 10:55 PM) after reading through the many comments, it appears to me, the issue is, many people are not willing to pay up more because it's only 1% interest....and many defaulted and got away with it.... The issue here is ptptn offered 1% interest and 20yr repayment to entice students to take up the loan and many did took the loans at the agreed conditions. Whether they default the loan or not is another problem. But ptptn made this offer and if it were a different offer, many wouldnt have taken the loan or many would have planned their finances according to the newly discussed repayment format. But for ph to now revamp the format suddenly is disrupting alot of the financial planning the borrowers had in place. Definitely a bad and poor move. They should implement this new scheme to fresh loans only.automatic deduction is a standard feature of many student loans systems, including the australian hecs-help programme (yes, they need to pay about a third of fees, and can borrow most of that).... the australian system is, automatic deduction at salary source starts after a certain salary level, arranged through the ato (lhdn)....and EVERYBODY registers with ato, because, if you don't have a tax number, your employer MUST BY LAW deduct 50% of your salary to remit to ato.... nobody escapes...everybody registers, even if you are doing part time waiting....!! nobody wants 50% of their wages removed... many here are unhappy now because although they owe money, because of low payments/defaults with impunity, many over commits on other "investments" and now they cannot default anymore.... nobody makes financial commitment based on "not needing to pay taxes/epf/socso" right?....so why are people making commitments based on 'not needing to pay ptptn'? if the gov implements the australian system from the beginning, this issue would not have arisen at all....but the previous bn gov failed to manage the ptptn system wisely.....one wonders if they actually already decided to run it as a 'scholarship' system, quite willing to write off the loans....that is because i believe the ptptn system is a SCAM to pass public funds to private hands (private education)....the unis owners pocket the money and students get saddled with the baby.... |
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Dec 5 2018, 11:20 PM
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Senior Member
845 posts Joined: Apr 2007 From: the sins never die
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QUOTE(limeuu @ Dec 5 2018, 11:17 PM) the employer tax relief proposal is a good loophole to use, if i were a ptptn loaner.... lhdn is the mother of money making schemer tell employer, instead of paying me more salary (which i will need to pay taxes on), use that money to pay my ptptn loan....i get "tax free" extra salary, and the employer gets tax relief.... that wont go pass them |
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Dec 5 2018, 11:22 PM
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Junior Member
234 posts Joined: Jun 2007 From: Kuala Lumpur
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My last drawn salary around 3-3.5k.
But before this semua kerja kontrak and still manage to pay according to jadual. Tapi sekarang tak kerja menganggur macam mana? Even part time kerja pun masih bayar sikit sikit.  |
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Dec 5 2018, 11:23 PM
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Junior Member
105 posts Joined: Dec 2006
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is the 10% discount still available if you settle half?
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Dec 5 2018, 11:24 PM
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All Stars
12,290 posts Joined: Aug 2006
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QUOTE(EternalC @ Dec 5 2018, 11:20 PM) lhdn is the mother of money making schemer of course it will....it's perfectly legit....that wont go pass them just the same as asking your employer to pay you 19% epf....perfectly ligit, and allowed under income tax laws.... This post has been edited by limeuu: Dec 5 2018, 11:25 PM |
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Dec 5 2018, 11:24 PM
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Senior Member
4,706 posts Joined: May 2008
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» Click to show Spoiler - click again to hide... « Main problem for this is you need commit more than what you planned within short period of notice it's similar like you signed up housing loan with 2k monthly installment @ 35 years. Suddenly few years later bank send you love letter and request you to pay 4k monthly @17 years it's also kind like punishment to those people that consistently paying their money according to agreed amount. This post has been edited by fantasy1989: Dec 5 2018, 11:25 PM |
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Dec 5 2018, 11:25 PM
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Senior Member
3,334 posts Joined: Nov 2007 From: Pluto 
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QUOTE(adrixxx @ Dec 5 2018, 11:23 PM) is the 10% discount still available if you settle half? yes pay up by 27th dec |
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Dec 5 2018, 11:26 PM
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#497
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Senior Member
1,139 posts Joined: Mar 2005
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QUOTE(EternalC @ Dec 5 2018, 11:20 PM) lhdn is the mother of money making schemer hehhehe now they also got scandal...that wont go pass them |
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Dec 5 2018, 11:28 PM
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Junior Member
106 posts Joined: May 2009 From: Penang
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[quote=fantasy1989,Dec 6 2018, 12:24 AM]
» Click to show Spoiler - click again to hide... « Main problem for this is you need commit more than what you planned within short period of notice it's similar like you signed up housing loan with 2k monthly installment @ 35 years. Suddenly few years later bank send you love letter and request you to pay 4k monthly @17 years it's also kind like punishment to those people that consistently paying their money according to agreed amount. [/quote] Moving forward, all the borrower can do the same as this PTPTPU. When there is any extra money needed, just simply call it off to all the borrower, you earn more now. Please pay all to me. FORCEFULLY. This is along method yet to be precise. I'm really pissed off. This post has been edited by haimirmaya: Dec 5 2018, 11:29 PM |
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Dec 5 2018, 11:31 PM
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#499
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Senior Member
1,518 posts Joined: Jul 2009 From: Are Lock Stuck, France
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QUOTE(limeuu @ Dec 5 2018, 11:19 PM) how come no ptptn loan repayment?....defaulter ah?.... i paid only 300 per month |
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Dec 5 2018, 11:31 PM
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#500
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Senior Member
1,864 posts Joined: Jun 2008
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Guys, can one of you enlighten me, in your loan agreement documents, does the agreement allow the lender to change the repayment terms?
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