/k logic all people dont n deserve this..

Some guys are missing the point here.. its not about u gaji 8k, u pinjam kena bayar..opkosla kena bayar sebab hutang maaa... even if ur gaji that time was only like 1k, hutang kena bayar laaa... but u bayar based on agreement la.. during that time u sign that agreement, pretty sure u know how much u kena pay when u got a job.. if u dont like it/think it is a burden to u, then dun sign.. but some (or i think all), just sign saja buta2 that agreement (am i rightt??)...

fast forward when u ady secured a job, u start to pay, based on agreement.. during my time is RM150 iinm.. that time gaji was like RM2k+ fresh grad gomen..

Fast forward when u naik gaji, naik pangkat, u ejas the amount of payment..make it higher la.. my case, RM280 pulak.. gaji around RM5k+ (this mthly amount ady calculated by ptptn). so i agree.. bcos i konpiden i can pay that amount without extra burden to my financial.. im pretty sure many borrowers oso liddis.. ejas to pay higher as long as it did not burden their financial..

then, tiba2 fast forward 2018, say if gaji 8k, opkos wanna revise higher..but have to factor in our burden as well.. before PH announce to cut 15% gaji for ptptn, opkos many ppl here ady plan of doing something else with that extra cash (gaji) that they got..they earned it what (naik pangkat bcos perform..its ur titik peluh).. some buy houses, upgrade car... that's bcos THEY DUN EVEN HAVE ANY IDEA OF WHAT'S GOING TO HAPPEN IN THE FUTURE.. fast forward 2-3 days ago, PH annouce bayar 15% from gaji.. smua terkejut beruk la.. b4 this tak cakap apa2 pun then suddenly announce nak potong that amount of gaji.. that's bcos most ppl ady planned what to do with their gaji b4 PH announce that!

Pretty sure if ppl know that much amount is going to be deducted once u got that much salary, not many ppl yg mau mintak naik pangkat or naik gaji.. as long as u gaji tak kena potong too much.. from RM280 per month, then tiba2 kena potong RM1200 per month..that's like more than 400% increase of monthly payment even tho ur gaji only raised less than 100%.. adil ka tu??

not bcos ppl got gaji tanak bayar loan, but its bcos ppl were caught off guard. been disciplined and be a good citizen paying loans without default and thinking that only got few years left to finish this loan.. then suddenly, kena byr lebih..that we never planned b4..

Its like, u beli axia mthly payment RM400.. ok we can do that mthly.. then suddenly wham!! bank suka2 decide to kasi naik my mthly payment to RM1600 per month. u think ppl will just accept that and start paying 1600pm?

i strongly feel that this new rules shud only applied to those stubborn@ss yang dah kerja but still belum pernah satu sen pun bayar loan.. those stubborn@ss shud the ones kena force bayar and punished for their stubbor-ness.. those who ady paid, ady signed agreement with ptptn b4 this.. its binded ady.. stamped.. how come PH can suka2 batal that agreement? not fair oooo

19. Tanpa menjejaskan Fasal 6 Lampiran ini, jika PERBADANAN menyediakan satu skim pembayaran balik berkenaan wang yang kena dibayar oleh PEMINJAM ke atas Keseluruhan Pinjaman Tersebut kepada PERBADANAN selain daripada yang ditetapkan di bawah Fasal 6, PEMINJAM adalah dengan ini memberi persetujuan yang tidak boleh dibatalkan untuk membenarkan PERBADANAN membuat perkiraan dengan sesiapa jua majikan PEMINJAM kemudian nanti supaya pendapatannya dipotong dengan sewajarnya bagi pihak PERBADANAN. PERBADANAN adalah berhak pada bila-bila masa untuk mengubah kadar Upah Pengurusan Pinjaman, cara dan/atau masa bagi pembayaran balik itu dan meminta pembayaran balik dengan serta-merta bagi Keseluruhan Pinjaman Tersebut atau sebanyak mana yang masih belum dibayar menurut budi bicara mutlaknya tanpa memberi apa-apa sebab baginya. PERBADANAN juga berhak pada bila-bila masa untuk meminta mana- mana Agensi Kerajaan Persekutuan atau Negeri termasuk Jabatan Perkhidmatan Awam, Kumpulan Wang Simpanan Pekerja atau Pertubuhan Keselamatan Sosial membayar daripada saguhati persaraan atau caruman PEMINJAM bagi tujuan pelepasan Keseluruhan Pinjaman Tersebut.

cukur i one shot early this year

im sure nobody paid attention on this when signing the agreement. then again, even if they did, this sounds not that fair..but have to sign it nonetheless..

totally agree

Dude life is not fair


The loan agreement from bank is even more single sided

yup..but still, have to sign it..or pay one shot sampai habis.. which beats the point of getting a loan in the first place

It is a study loan with heavily subsidized interest rate


One should set priority to clear it ASAP

And very few people earn up to 8k a month. The average PTPTN loaner will probably pay slightly more per month, which would be roughly the same impact as an increase in lending rates for a property owner.

I said debt to someone as in your siblings or friends. Not to some organization or bank for big purchase.

Is your whole family stupid or just you?

many ppl here do have priority of clearing it ASAP.. based on agreement signed previously.. for me, i still pay more than the amount of what ptptn monthly calculation shud be. that's bcos i really wanna kasi habis bayar sooner. some ppl have plan what to do with their mthly salary.. but doesnt include of sudden monthly payment of up to 400% from original.. dont get me wrong here, I'm all in with PH's idea of forcing ppl to pay their loan... that's the right thing to do.. but "punishing" those who has been so disciplined over the years servicing their loans by suddenly increase their mthly commitment... that's not acceptable..

plus bangang PH goes and waive toll at tuas and now wanna do the same for edl ...

I agree. Owe money must payback.
Sick to see those student from university protesting the other day about having to pay back loan.

He is Joshua phua pei xing. Why waste time replying him

just grad and ptptn waived, pheww

https://www.freemalaysiatoday.com/category/...ment-mechanism/


looks like fb did its power. while we all fight like little kids here. bravo

Kesian banyak buta huruf tak baca kontrak


19. Tanpa menjejaskan Fasal 6 Lampiran ini, jika PERBADANAN menyediakan satu skim pembayaran balik berkenaan wang yang kena dibayar oleh PEMINJAM ke atas Keseluruhan Pinjaman Tersebut kepada PERBADANAN selain daripada yang ditetapkan di bawah Fasal 6, PEMINJAM adalah dengan ini memberi persetujuan yang tidak boleh dibatalkan untuk membenarkan PERBADANAN membuat perkiraan dengan sesiapa jua majikan PEMINJAM kemudian nanti supaya pendapatannya dipotong dengan sewajarnya bagi pihak PERBADANAN. PERBADANAN adalah berhak pada bila-bila masa untuk mengubah kadar Upah Pengurusan Pinjaman, cara dan/atau masa bagi pembayaran balik itu dan meminta pembayaran balik dengan serta-merta bagi Keseluruhan Pinjaman Tersebut atau sebanyak mana yang masih belum dibayar menurut budi bicara mutlaknya tanpa memberi apa-apa sebab baginya. PERBADANAN juga berhak pada bila-bila masa untuk meminta mana- mana Agensi Kerajaan Persekutuan atau Negeri termasuk Jabatan Perkhidmatan Awam, Kumpulan Wang Simpanan Pekerja atau Pertubuhan Keselamatan Sosial membayar daripada saguhati persaraan atau caruman PEMINJAM bagi tujuan pelepasan Keseluruhan Pinjaman Tersebut.

If that correct i have to paid less than what im paying now.

Xya la jadi hero kat sini sbb spelling tu kuda. Get into the story..
Nk ajar aku pasal bm. Pm aku. Aku bersedia utk belajar. Pm pm..