huhuhu,will use the 20% before end of this month..

Cukur paid back one lump sum.

Employer tax free pay ptptn when start? Ask employer pay for me to enjoy tax free, I get discount, I pay back employer.

Employer rebate me with the tax free they save.

Can work?

Pay by end of 2018 to get the discount.

Hahaha yeah, the bank is more interested in having a guaranteed stream of income over a fixed period.

It actually irritates them when you make early settlement, so some banks charge penalties..

To that paid 40-50 ringgit enough for interest/administration charge issit? How on earth to finish the loan payment?

i dont think they will implement it. if they do, it's open up for abuse to get tax relief. i engage a student with ptptn loan, give him a salary that would not be taxed, or i could just make out a deal with him, saying the salary dont really get to you but i get your name under my payroll and i'll pay your epf socso and ptptn aka phantom employee. i get to have extra clean salary, tax exempted expenses on epf and socso, and extra tax relief from ptptn payment. gov would be the one losing money here.

Bodoh.

Those that default, then use this deduction.

Those that pay all the while following the agreed schedule, why punish them too?

that would be illegal....but you can renegotiate your package so your same total package includes the company paying your ptptn monthly repayment, and you get correspondingly less salary....tax neutral to company, tax advantage to you....

Oh wow. This one lagi dasyat.

Want to get the 20% discount. Means got money to pay off everything in 1 shot but doesnt want to. Then rage when have to settle his debt faster (but actually has the money to pay 1 shot)

This post has been edited by dotadellpro: Dec 6 2018, 12:05 AM

U know what is flat rate financing vs floating rate financing or not? Talk is easy without using brain

that of course is illegal....

but a negotiated employment package is not....and contrary to what people think, that package is NOT just your salary, but can include higher epf, benefit in kinds like company car and housing, and now, ptptn loan repayment....

what did ph promised about ptptn
that's the exact reason why students vote for them
now dah jadi gov, gov kencing on those students. then kasi berak atas kepala lagi to show dominance with this repayment shit
dia jadi gov is also partly because of that promise. bukan main heboh lagi during the campaign period mainkan isu ptptn

bukan nak cakap hutang tak payah bayar
tapi nak cakap janji jangan tak dicapati

uturners are one of the people i hate the most. no principle at all. dah buat sekali, lain kali entah apa lagi yang dia buat.
in the end, sama jer dengan previous gov

PH did fulfill their promise.. no longer blacklist defaulter.. hehehe

yeah i know. but i doubt gov would pass the motion, if it ever get there. the one losing is them, all those potential tax revenue. and if an employee can get to the point that they are actually offered an employment package, i think their financial standing are more than enough to pay the ptptn without any issue

I finish my degree in 2021
I scared they U-Turn and remove my exemption

eh....the tax relief is only 18% for sme and 24% max.....compared to 100% the gov receive in repaid loans....

I think the easiest solution is to deduct their EPF account to repay the loan. Just my 2 cents.

they promise to delay repayment until income reach 4k

now with this, defaulters (both yang sengaja tak bayar or yang tak mampu nak bayar) get ready declare bankulupsi

but every year change iPhone