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> Salary 8k will be potong 1.2k to pay PTPTN Chat

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Zaryl
post Dec 6 2018, 11:32 AM

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50 pages come on gais!

#uturn

sheahann
post Dec 6 2018, 11:32 AM

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QUOTE(shahrul09 @ Dec 6 2018, 11:31 AM)
K standard. Lu yang sign, lu bayar la. Jangan bising.
This shit doesn’t effect my pocket money. So I can sembang kencang.

(Ofcourse people need to bayar hutang, no one dispute this shit obvious shit, the shitty thing is this shitty model pembayaran)
*
yea.. agreement signed RM300 per month .. been serving so many years ... now say need to serve RM1200.. foresee alot of leong house in 2019..
then bank raise interest rate gao gao (then still same logic u sign bayar la) hahaha
haimirmaya
post Dec 6 2018, 11:33 AM

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QUOTE(shahrul09 @ Dec 6 2018, 12:31 PM)
K standard. Lu yang sign, lu bayar la. Jangan bising.
This shit doesn’t effect my pocket money. So I can sembang kencang.

(Ofcourse people need to bayar hutang, no one dispute this shit obvious shit, the shitty thing is this shitty model pembayaran)
*
Those sohai happened not to be into the situation yet.
Its /k and will be always as /k

Inb4 kudakayuasalways
Joe_Longgo
post Dec 6 2018, 11:33 AM

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QUOTE(shahrul09 @ Dec 6 2018, 11:31 AM)
K standard. Lu yang sign, lu bayar la. Jangan bising.
This shit doesn’t effect my pocket money. So I can sembang kencang.

(Ofcourse people need to bayar hutang, no one dispute this shit obvious shit, the shitty thing is this shitty model pembayaran)
*
Gamuda kena VSS they sembang, company like media prima all kena they sembang kencang also, wait The Star also may have vss, now PTPTN stir the shit they still sembang. Just wait.. in next 4 years, there will be something that affect their pockets
haimirmaya
post Dec 6 2018, 11:35 AM

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QUOTE(sheahann @ Dec 6 2018, 12:32 PM)
yea.. agreement signed RM300 per month .. been serving so many years ... now say need to serve RM1200..  foresee alot of leong house in 2019..
then bank raise interest rate gao gao (then still same logic u sign bayar la) hahaha
*
Demo with bank now to do rescheduling too.
I got many more left over.. 30 years monthly housing installment
Just tukar. Kasi 15 years. 7k per month. I have no issue. Janji sudah signed. Kena bayar... lai..

/k standard mentality.
shahrul09
post Dec 6 2018, 11:39 AM

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QUOTE(Joe_Longgo @ Dec 6 2018, 11:33 AM)
Gamuda kena VSS they sembang, company like media prima all kena they sembang kencang also, wait The Star also may have vss, now PTPTN stir the shit they still sembang. Just wait.. in next 4 years, there will be something that affect their pockets
*
I hope gov impose capital gain tax. Alot rm20k /k got this one, see how many make noise later😂
luminaryxi
post Dec 6 2018, 11:43 AM

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the star coverage of this issue is so pathetic, national paper my ass.


Kyojin
post Dec 6 2018, 11:51 AM

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QUOTE(haimirmaya @ Dec 6 2018, 11:35 AM)
Demo with bank now to do rescheduling too.
I got many more left over.. 30 years monthly housing installment
Just tukar. Kasi 15 years. 7k per month. I have no issue. Janji sudah signed. Kena bayar... lai..

/k standard mentality.
*
If your bank does this, refinance la and go to another bank with a better deal. You guys just gotta admit that repayment of your PTPTN loans is the lowest of priorities, even though you'd have the means to finish paying the loans much earlier.
sheahann
post Dec 6 2018, 11:52 AM

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QUOTE(Kyojin @ Dec 6 2018, 11:51 AM)
If your bank does this, refinance la and go to another bank with a better deal. You guys just gotta admit that repayment of your PTPTN loans is the lowest of priorities, even though you'd have the means to finish paying the loans much earlier.
*
u go every bank, every bank tell u the same thing icon_rolleyes.gif
haimirmaya
post Dec 6 2018, 11:55 AM

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QUOTE(Kyojin @ Dec 6 2018, 12:51 PM)
If your bank does this, refinance la and go to another bank with a better deal. You guys just gotta admit that repayment of your PTPTN loans is the lowest of priorities, even though you'd have the means to finish paying the loans much earlier.
*
No no. /k standard must pay..sudah signed. Bodo xbaca contract. Semua org spent 3 to 7 days baca contract..halusi before sign.. this is the perfect world we are living. Wake up wake up.. follow the /k perspective

This post has been edited by haimirmaya: Dec 6 2018, 11:55 AM
COOLPINK
post Dec 6 2018, 11:55 AM

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QUOTE(luminaryxi @ Dec 6 2018, 11:43 AM)
the star coverage of this issue is so pathetic, national paper my ass.
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its has not been free press for decades already.
haimirmaya
post Dec 6 2018, 11:57 AM

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QUOTE(sheahann @ Dec 6 2018, 12:52 PM)
u go every bank, every bank tell u the same thing  icon_rolleyes.gif
*
We all kaya liao.. every time got extra money to pay the process thing for refinance. Lawyer bla bla bla. /k full of kaya people.. normal one.. just follow..#perfectworld
SomaCruz89
post Dec 6 2018, 11:59 AM

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QUOTE(sheahann @ Dec 6 2018, 11:20 AM)
if really become need to pay 1200, then the most regret thing i do is to vote for the current government ..
i signed agreement to serve the loan at 320, suddenly jump to 1200 ? doesnt seem logic idea to begin with ..
*
Wa so high paid liao....so envy sial...

On the other hand, I plan to pay one lump sum with 20% discount...
SUSfuzzy
post Dec 6 2018, 12:10 PM

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QUOTE(sheahann @ Dec 6 2018, 11:32 AM)
yea.. agreement signed RM300 per month .. been serving so many years ... now say need to serve RM1200..  foresee alot of leong house in 2019..
then bank raise interest rate gao gao (then still same logic u sign bayar la) hahaha
*
Earn 8k, Employer give at least 12% EPF and self give 11% EPF every month. EPF can be used for Education settlement.

But no, naik 1200 kencing nak lelong rumah.

Good la, memang padan muka orang cam tu.
Innovation
post Dec 6 2018, 12:14 PM

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wow.. luckily i kumpul $$ and settle it sekali gus...

sheahann
post Dec 6 2018, 12:22 PM

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QUOTE(SomaCruz89 @ Dec 6 2018, 11:59 AM)
Wa so high paid liao....so envy sial...

On the other hand, I plan to pay one lump sum with 20% discount...
*
No la I simply say only. Give example nia
sheahann
post Dec 6 2018, 12:25 PM

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QUOTE(fuzzy @ Dec 6 2018, 12:10 PM)
Earn 8k, Employer give at least 12% EPF and self give 11% EPF every month. EPF can be used for Education settlement.

But no, naik 1200 kencing nak lelong rumah.

Good la, memang padan muka orang cam tu.
*
Same thing. When bank increase double interest rate. The same principle applied.

Employer 12%. Epf 11% self. Epf account 2 can use to pay housing loan.
But no, monthly house installment 3000 increase to 5000 kencing nak lelong rumah.
Good la. Padan muka. Haha
SUSfuzzy
post Dec 6 2018, 12:28 PM

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QUOTE(sheahann @ Dec 6 2018, 12:25 PM)
Same thing. When bank increase double interest rate. The same principle applied.

Employer 12%. Epf 11% self. Epf account 2 can use to pay housing loan.
But no, monthly house installment 3000 increase to 5000 kencing nak lelong rumah.
Good la. Padan muka. Haha
*
It's only the same thing if you don't understand difference between interest rate and principle repayment rate.
KineticKill
post Dec 6 2018, 12:34 PM

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This thread is still going on?

Haih.

Bayar je lah
de_sengal
post Dec 6 2018, 12:44 PM

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QUOTE(haimirmaya @ Dec 6 2018, 11:55 AM)
No no. /k standard must pay..sudah signed. Bodo xbaca contract. Semua org spent 3 to 7 days baca contract..halusi before sign.. this is the perfect world we are living. Wake up wake up.. follow the /k perspective
*
k/ quality becoming bodoh. Not like 10 years ago.
8k gross will become around 6.6k net. Tolak lagi 1.2k. Giler apa. But k/ apa tau since some of them gaji x sampai pun 8k.
Monthly rm300 jadi 1.2k.
And bases on the reaction i pray hard bank also will follow this kind of tactic.

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