if they can propose up a better repayment schedule and policy and not something as ridiculous as this one, i think they can get their loans back without giving out those relieves.

The point is, everyone has their own financial planning.

income 5k,

planning, following existing ptptn schedule rm200 every month.


so got 4.8k remainig for house comittement. car, wateva fark there is.


now you say suddenly pay rm500.

where to vomit the extra? savings? skip buying medical insurance? defauly on house loan? car loan? DO YOU SEE THE PROBLEM HERE?

my vote won't goes to them next time. Did not even bring down the living cost yet break so many promises and make most of the middle level suffer.

once bangkrupt.. automatically black list to go oversea.. win hahaha

Additionally EVERYONE MISS OUT.



the interest charged in..... since the rate of payment becomes faster and finish faster, Shouldn't THEY RETURN THE DIFFERENCE IN INTERESTS?

also.... if every year change salary , then the payment diff, they recalculate the interest?????


BODOH!

Thanks to you and eternalc, amidst all this Chaos I learnt something

KNS cannot use credit card for RM50 cashback every month

you... you might be onto something here.
when I owe somebody money I became restless all the time.

imagine holding onto a loan for so long...

middle level never win punya since zaman bn lul

nampak tak permainan dia
they brought it up to another whole new level

lai share what did you learn?
kalau masuk commercial court please dont quote me as your reference material

Hmm, your idea intrigued me, so I did some research.
After that research, I agree, EPF deductions should be part of the 'package' of loan recovery methods.

Outstanding PTPTN loans are RM39b as at Aug 2018, let's assume 50% of that is recoverable from EPF.
That's RM20b. EPF assets as at end 2017 are RM791.48b, so it's barely 2.5% of EPF NAV.

But the government fears any selldown, because the EPF already props up Bursa Malaysia and the bond market - MGS is 1/4 of the EPF holdings!
Any repayment in this manner would only be enabled by the EPF selling either stocks or bonds, thus possibly triggering a selldown in either market.

Sources:
https://www.thestar.com.my/news/nation/2018...t-through-1mdb/
http://www.kwsp.gov.my/portal/en/web/kwsp/...an-tahunan-2017

Nie pundek. Honor the agreement. Aku bayar hutang aku. Apa yg PH buat serupa Along. Janji honor agreement bayar 200 for 10 years. Suddenly farkup somewhere, come back, ask for extra. Lets ask bank to do it for u.. loan 10 taun. Mintak bayar 5 taun. Makan pasir? Sembang kencang...tgk pada situasi la kuda.. klu jilat pun.. banggang...

Nie lg sekor banggang bertingkat. Hidup kena cerdik... bayar full xfull. Sudah ada option. We choose. Which one better for your life. Serupa makan nasi..makan pasir..why choose makan nasi?
Otak guna..jgn letak dkt lutut. Semua mau win win condition.
Aku da bayar. Honor the agreement. Yg xbayar. Go fark off them. I earned more. My rights. Hak aku. Duit aku. Yg lain nk jadi bodo. Carry on.
Jgn jadi banggang dalam hidup. Sian jd pengemis mintak ehsan org.

This post has been edited by haimirmaya: Dec 6 2018, 12:54 AM

bro.. u in /k.. where all earn 20k permonth.. have 20 landed properties

but i baru gaji rm800

rumah pun bapa punyer

Im the one berpijak on bumi yg nyata. Those on dreaming. Fark off. Talk talk but apa pon tarak. Wanna bash..wanna blame..get into the facts.

Won’t be surprised uturn within one week

i this thread full of ptptn tak tau malu xbayar ojwai~

Can they at least enforce this upon those who defaulted or not a good paymaster and those who did follow the repayment properly give them a better % rate but slowly moving up? Kind of unfair for those who follows the agreement and a good paymaster which I believe is a lot too..jangan la pukul rata jer

Who said need to pay RM500?
Are you referring to this? https://pictr.com/image/0d9TrB
did you notice the range of RM320-480?
at 5k income he maybe have to pay RM350-400 a month.

no need you ask the employer also sendiri pay with your salary.. cut your salary.. you mana dapat discount?
lol