I do not know how servicing your ptptn loan within contract mean is suffering?

tak kesah la luxury life ke apa ke...not for us to comment

the fact is rm150-200 payment per mth...suddenly jump to 1.2k and above...susah la bro

You are looking at the issue where you think majority of the people are having salaries of 8k. Are you 1 of them? I do believe those who are salaries with 8k have somewhat paid at least nearly 60-70% of their loans already. It is not me who said they are suffering, the people who are complaining is making like themselves are suffering. With the reasoning 'oh, means I use my money for commitments and investments ar?'. I already agreed that commitments are not optional and must be tend to, but investments. Investments are optional. How much could you invest anyways? You are not earning a 5 digit figure yet. Investments with bigger amount of money is better than small. The returns you get is small, but hey, it is still a return, yes? If you think that investments are stronger priority than paying back your loans, then maybe you should check again your priorities. You put in FD a few k, what returns do you get? Just a few small hundreds. You want to invest, invest more when you have more money.

You talk like you are an invesment expert then you know servicing ptptn loan is the best loan right? For me, if people are paying as per loan agreement, then that should be good enough since is part of the contract.

What the point of pushing to settle it early if there is no pure benefit like the recent 20% discount?

But then again, i believe other people priority we should not question, is up to the individual as long as he pay his ptptn loan within the loan agreement. Agree?

Who are you to judge rezeki halal or haram?

Are you sure your monthly salary/business profit comes from purely halal money?

Borrowers surely pay according to original schedule payment to a stipulated years as per agreement. So they honor it.
The extra money they can use it for supporting their sickly and very old parents & for children also.

Like me, even though i pay monthly rm300, some times i pay more if i got rezeki lebih on particular months.

Hai, dah puas panggil nama?
Sudah la, kerajaan dah uturn
Go troll elsewhere je....

>ko ni pinjam ptptn ka lulz
Nearlee

No need explain to them
Some people just thought you live luxury life if u earn 8k

This post has been edited by jenniferjen: Dec 7 2018, 01:14 PM

Pinjam beli iphone

Why salary higher pay more tax?

Why had some guy get hot gf?


Why.........

Takpe
Ada chance lagi punya
We see what blunder kerajaan will do next
And make sure you are there ok?
Cant let those luxury life people live easy right?

can live luxury but don't want to put effort to help future generation of students..
SELFISH as fk.

dahdah. U turn already. suspended already. rethink already. semua hug, kiss and make up and go live your life. time to move on. wanna argue again wait next round because it damn sure will be back.

pepefrogcukur.jpg

Sabar la
Ini kerajaan uturn
Sure ada punya
Kena bersabar

I agree its discrimination. We signed the agreement lets say 10 years ago based on then capabilities. So now 10 years later we earn 8k instead of 2k. None of their business what we earn now. Its like im still driving a Viva paying rm300 a month loan. Does the bank suddenly tell me i earn 8k now so i must pay rm1k a month for my Viva??
Alot of us made financial planning based on the previous contract which is xxx a month for x amount of years. 10-15% is simply too high.

What about those working overseas now, how are they going to implement the salary deduction? We should have the choice on how to pay our loan as well.

This post has been edited by metaloid: Dec 7 2018, 01:27 PM

Now see, you don't understand the situation because you said you are being 'discriminated'. I will ikut your examplelah of a bank car loan. Banks will give CEO and ministers the same amount of years to pay back the loan like the rakyat like us. 5-6 years. Now, the tenure is set. You can either pay the monthly amount as stipulated or pay it off early. Same like PTPTN, yes. But this is where it goes different. Bank's car loan has the authority to repo your car if you failed to make the payment on time and they can kenakan you with extra interests. These people have a chance to lose something. And CEOs and ministers would be able to pay it off before their tenure.

Now, why did the current government decide to do this change? It is because PTPTN wasn't strict with their loaners. People can borrow the money but decide to lari diri or don't pay. You are the minority of people who pays on time and follow their schedule, good. But the majority aren't. What punishment do they give to the people who don't pay? Nothing. No extra interests, no fine, nothing. Because of how lax and incompetent the previous government was. So if you want to get pissed off, get pissed off with the previous administrator for not being strict enough with those runaways. Unfair, yes but this is like how the punishment is; 1 buat salah, semua orang kena. Not saying it is right but it is what it is now.

So you kept on saying investment this and that, why? Your choice, right? Fine. I give you that but clearly the choice you made is a poor one because you think that your loans is not as important as your investments. People make choices but they tend to choose the poor one. You are looking at PTPTN as a poor investment because you get nothing in return for clearing it up, hence which is why you rather pay the minimum amount until the tenure reaches.

Should potong 20%

Very weird meh? Discrimination happenes
Like u income higher, so kena punish by paying higher income tax bracket
Income lower, u no Nd income tax but can enjoy facilities and services made possible by tax payer moneh
Lesson here is u dun1 pay/kena punish cos salary high, make sure u don't work hard.. salary don't high so won't kena lo

Moreover,

Msia already champion in discrimination.. especially pround in discriminate towards msian berlainan kaum some more tomolo got rally to celebrate continuous discrimination towards msian berlainan kaum

LeL..

U turn alreadyy , can continue drink starbucks , buy ipong and go overseas travel.