You 1st day live in Malaysia meh...
Malaysia is full of this kind of people.
That's one of the reason why we can't get any better.
Gov is not main problem, problem is the people.

Many thought change gov will make their life easier automatically without working harder
WTF mentality is that.

It is a burden la donkey. You thought all this while they got 8k and have huge amount of pocket money nd no other commitments? And based on your post before it is clerly you just assume all borrower never pay back. There are alot that pay regularly and now suddenly they change and ask to pay more than double. That is not a burden? Jilat la jilat. Ni la. Donkey bodoh

Your salary reach the 15% bracket and you still want to pay peanuts of RM300 only. You can clearly afford to pay more earlier to settle the loan but prefer to pay peanuts. Why? Because most PTPTN borrowers like you never take payment of this loan a priority.

What's the point of having the agreement at the very first place?

Biasa la org bodoh try to act smart. Use “typical malaysian mentality” did not know that he doing the same mentality shit

Bangng. Habis the contract have no use la?
Jangan sembang la

This post has been edited by shahrul09: Dec 6 2018, 10:34 AM

Oh thats him? No wonder so bodo.

What's the point of having the agreement at the very first place? What's the point having payment schedule contract then? everybody should revise their loan commitment based on income percentage?

I am PAYING according to the agreed contract.

So question for you this year you pay your car 1000 permonth, and at 2019 you gonna pay 1500 per month if you got huge increment? Seriously? Are you doing this now?

Ya. support gov.
Those high salaried keep on harping on contract bla bla..
when vote for Malaysia baru.. konon want to improve nation. but now selfishly think of ownself due to low interest rate and never take into account nation's future..
not happy juz go fight in court with last resort to quote article 153.. see can win or not

all mistake gov kindness for weakness..
PTPTN is not a profit making scheme like bank loans..
the slower u pay/defaulting and the less returning to the pool means future students (ya... ur sons and daughters) will be deprived from future loans.. if not all.. a much stricter requirement.

This post has been edited by lee_lnh: Dec 6 2018, 10:34 AM

FYI

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.

As long as he is paying the RM300, I don't see whats wrong with that.

Imagine if your bank suddenly ask you to pay 15% of your salary instead of the earlier agreed monthly repayment amount for your house loan, would agree to it?

So that the people giving you the loan can cover their ass. You think banks have your best interest at heart?

Like that, better ask PTPTN to just deduct from EPF Account II.

Exactly this.

The people earning 8k are the ones complaining, because they thought they could game the system and take advantage of the low interest rate.

They can, doesn't mean they have to

This new revision to 15percent is quite unfair. Quite a high jump i must say. Its funny how they can just revise it to existing borrowers. Should be for new ones only as the existing ones have a contract already.. unless the contract doesnt mean shit.

What I meant if they're rushing to get back the money, just deduct from EPF Account II.
The whole Malaysia is going to collapse by the way with 1 trillion on debts by the government.

year 2013 - salary 5k, you pay rm800 for your car

year 2018 - salary 10k, do you pay Rm2400 for your car or you still pay RM800?

You use wrong word.
Not “help”
Force. There. Bye

Its not about gaming the system. There is a contract. Borrowers are adhering to it.