http://www.sinchew.com.my/node/1818787



This post has been edited by IdiuU: Dec 5 2018, 05:40 PM

cb post link only..
mohon mod/admin tutup tered

installment for civic

b4 or after potong epf/socso?

Wahlao, you owe ppl money you need to pay back la. Especially you have 8k monthly income.

You know you will get very sui when owe people money? The longer you drag, the shitter your life will be. better pay back all one shot.

Itulah, beli civic lagi tapi tak mau bayar ptptn

Potong PTPTN 1.2K income tax potong how much....

Those people gaji 8k still tanak bayar ptptn mmg bodo...nak gaji berapa mau start bayar...aku utang 50k ptptpn dah setel after 7 years....guna bonus, epf and diskaun.

Please be fair to others young student still waiting for ptptn loan approval... mak bapak tak bayar hutang ptptpn, till need to make personal loan to pay tuition fees coz no money.

Gaji 10k, pcb, epf, 15% PT, socso, aes left around 5600

+1

wtf ...................... i thought we can choose between 2%-15% . my original monthly payment is only rm90 , now have to pay 150++ surviving in KL very suffering eh

ok if this is only apply for those who never even pay one cent then fair, but what about those pay on scedule every month, walau, like me poorfag BUT i auto debit my monthly installment to ptptn means i dont overdue the loan, then kena also this pgb on top of my usual monthly installment??????? fair ka

8k salary but don't want to pay PTPTN, i will personally cut his kuku.

This post has been edited by rznrmolev: Dec 5 2018, 05:45 PM

above 5k but dont want to pay PTPTN???

what about people who already do restructuring with ptptn and pay every month? now they kena fuck upside down and need to pay more?

I called PTPTN Careline 2 hours ago, this will apply to ALL borrowers, regardless if you are paying on schedule, already reschedule, or already use EPF to set of certain amount, or have credit balance. ALL previous arrangement will be ceased and deduction based on salary apply.

Ptptn ckp kontrak lame terbatal. PH sula kencing, old repayment method cancel and employer will start on salary deduction like tax deduction method.

Hahahaha basahhhh

Apply to ALL, regardless u never pay single cent or paying diligently on schedule

what if i want to continue pay by CC?

not possible ady?

tu tunggu new government abolish their loan la ....

8k salary but no pay ptptn mmg deserve to cut

20k salary.
just pay up in 3 months.

Dpt gaji 3000-4000... Still rase miskin dr bangla ngn nepal. Wake up call to PH, dont be new BN.

huhuhu

phew nasib baik, I education that time, Msia exchange rate stronk 2.7 to USD

wahahah

Shud exempt those on auto debit....

not bad ma... country gonna debt free soon...

GG paying 1200RM...

this bug havent fix...
wait for next patch

yeah weh can get rewards point on CC/DC

Looks like middle income 4k kena paling teruk

Kena also. I called their careline, apply to ALL. Including autodebit and those already do salary deduction

luckily kena scholarship hehe

u pinjam u bayar la..simple logic

if salary 8k dont want pay PTPTN tht person really char siew....god bless you

Hahaha.. 8k still don wan pay ptptn.

They pay u idiot. If u paid 500 permonth since grad and now your salary is 8k, they will deduct 1.2k by force. ignoring previous contract

that 4k amount tho..

seems like regular PTPTN payment amount previously..

PT? aes summon?

they pandai, last time ask all update salary on PTPTN, for <RM4000 can no need pay.
now got record d

Me use my bank acc monthly potong

This post has been edited by IdiuU: Dec 5 2018, 05:54 PM

expect a lot of house going into lelong soon, if based on net salary might be still ok, this is based on gross.

This post has been edited by backspace66: Dec 5 2018, 05:56 PM

direct ban renew passport... he will seek for asylum

Faster pay better lah

Salary dah 8k still tak mau bayar.
Lowest scumbag in the world.

not fair for those who auto debit, so now go cancel auto debit then pay throught this pgb is better?

Just pay up la diu

life is hard.. now pay monthly already no saving.. now have to pay more.

lulz if liddat then my installment becum less, my autodebit already more than the table now haha

dunno should be happy onot.

This post has been edited by jackallemily: Dec 5 2018, 06:03 PM

Aiyo just bayar la.

Last time my salary less than 2.5k also can fully paid in 2 years. Plus i get the 20% off.

I didnt pay 1 years. I accumulated my by tabunh cause i want pay off 1 off. Keep enough money then bayar. Well i clear of debts. I dont owe anyone. Im debt free.

similar to potong with DC then.

what ayam concern now is what if people wanna pay more to quickly settle it than growing interest further if following the potong gaji scheme. not fair liao

thats why old people said dont play play in study. now own self at fault cause didnt get 1st class then cry like a baby when ptptn implement auto-deduct 🤣

how much you owe them weh? so fast settled?

can pay with CC?

Because of PTPTN, you able to enjoy your Uni life and study in unit so that you can make a good living to earn at least RM 2000 and above (Because they only charge those above RM 2000).

Think again, without PTPTN you might be eating shit and grass, begging money on the street.

You should be thankful and pay back the amount you owe. So that gov have more money for the new generation.

so now under 2k need to pay ptptn or not? why always change change change.. sikijap under 4k no need pay.. sikijap 1k above need pay.. now 2k above then pay.. what's this?

You won't be forced to pay PTPTN if your salary is under 2k, you can still opt to pay if you want. You will still owe the full amount just payment can be delayed until you earn more than that.

Another person missing the point. The rant here is about compulsory 15% deduction regardless if have follow your schedule payment or not. You have been paying 500 for maybe 5 years, but now suddenly monthly payment increase to RM1.3k per month. ALL borrowers affected no matter u good paymaster or not

agree!

still dont understand some still dont want pay PTPTN for more than 10 years

RM2k only pay RM50, surely affordable if doesnt go mamak or yum cha every night

Not much 16k, but within that period i really eat alot of dirt.
One of the guy i knew same college with me he got the ptptn, he direct buy new ipong pc.

Well i glad when they launch the discount rate. I paid one off with my saving. Im very clean my credit value.

Another idiot missing the point. The rant here is about compulsory 15% deduction regardless if have follow your schedule payment or not. You have been paying 500 for maybe 5 years, but now suddenly monthly payment increase to RM1.3k per month. ALL borrowers affected no matter u good paymaster or not

Yang jadi mangsa adalah people who bayar consistently setiap bulan, bayar ikut agreement then lepas inj kena tambah based on salary range. Sebab orang bodo tak nak bayar orang yang bayar kena jadi mangsa.

ya, you so clever

if Rm1.3k then Rm1.3k lo, owe money then pay lo

RIP

now i have to pay about 400 instead of 200++

so im paying 2 months each payment.

FUK

bayar tetap bayar

i just syukur rakyat paid mine

What about me?
I am working by myself and no slip gaji or all of that.
But I do still pay RM130 direct debit monthly.
Ald 1 year paid ald.

good for you brah

now that guy's turn eat dirt

Why think as mangsa, the government help you to finish paying your loan in shorter time.
Which means you pay less interest...

I suggest you organise protest. PH gomen get protest a bit will u-turn one.

There is structured payment for 108 months agreed with duty stamp. and suddenly can change? most rate for ptptn is between 150-300. so can anyhow increase 5 times the monthly payment?

good la... settle debt first instead of buy godcar

As i know he didnt finish college and change course. His ptptn voided. I dont know the the ptptn deal with him.

I dont own car, i just took grab lol.

yup, I am thinking of this too

if Rm400, means gaji is RM5k

this is really not fair for those who have been paying promptly since day 1

PH should just fuckover those that never paid at all or those with XXX amount of red flag tunggakan

those with 0 tunggakan should be allowed to continue paying AS PER the contract.

NO WAY man.

I already SIGNED the agreement prior to do restructuring to Ujrah.
no way PTPTN going to do this.

F la!

i've been paying autodebit since 2016 wei.

KNNMCB!

They should force this to those yang tak pernah bayar langsung not for people who consistently paid every month.

500x12x5=30k already paid

how much does the student loan? so much?

its the same, u fast2 pay big amount the loan won't drag so long, hence faster finish.

Protest jer. I agree people that DID adhere to all the schemes offered should be exempted.

Only those that nak protest x nk bayar before should be the ones subjected to this.

lol

All kena kencing.

Compulsory higher payment.

Cukur Rakyat got good gomen help manage finance.

Declare them enemy of state and swindled government, masuk Interpol list.

Macam Jho Low.

so far, never seen any lawyer comment on this matter.

can the government really just take the money out of the people's pocket just like that ? poof ?
even though the people are in debt with PTPTN but does that give gov the power to just take the money ?
how does all the paperwork work with the companies ? how do the companies verify the PTPTN claims ?

if this kind of money taking is applicable to PTPTN borrowers.
then it can be applicable to anything owed to the government, from business loans to housing loans issued by the government.
there should be no bias here, since these other borrowers also owe the government money.

U totally missed the point here..we people that pay as per schedule have our own money management.its not about pay or not now..

Example: u already out a commitment for yr house 2k per month,,suddenly bank ask you to pay 4k per month..even the tenure is shorter,someone will affected badly..

Understand the intention but no i dun support this.

Yes they can.

forcefully?

they can just cancel all the previous legal agreements ?
there is no clause against this in legal terms ?
would u explain legally how this all works ?

if they can do, then what was the point of signing the loan agreement.
might as well say, this year the interest is 200% annually. and make the borrowers become slaves.

The answer is simple why this is implement to those who is paying on time as well... you are not paying fast and in larger sum enough proportion to your salary. Even if paying RM1200 per month, it will required to take 3+ year to pay. The rest will take even longer.

If you are a consistent payee.. .then good for you, you will be able to finish paying in shorter time. The reduction in interest paid does not discriminate...

Yes they can and they should

So everyone owe PTPTN kena Garnishee Order automatic ka?

i agree with you sir.

i've been paying like a good boy since 2016. restructure to ujrah & did Auto debit a year later. rm300/month.
before 2016, i did pay my PTPTN debt monthly but paid rm100-rm150 but CONSISTENTLY every month.
Never FAIL to pay monthly. Must pay due to responsibility to payback whatever i borrowed. At least try to pay with my not so great salary last time.

i don't agree with this new policy regardless to how much income we make yearly.
different people got different commitments.
I believe 3-5% max salary cut is SUFFICIENT in these times of unstable economy.

PTPTN should punish those who NEVER paid a single RM at all or those who pay ON OFF monthly.

paying faster is bad, if you understand investments.

Unless they noob (which I won't be surprised) there will be clauses that allow them to adjust the term and conditions that will supersede the old terms.

You signed loan agreement to buy a house, but the monthly repayment also changes if the BLR is raised right?

The borrowers have the option of immediately repaying the debt. If a normal business raise the interest to 200% this year, what you can do is go take a loan from another business at 6% and settle it. So yes, they can do it and they won't, because it will kill their business.

However, PTPTN is not meant to 'generate' income per say, so they can do it.

if work oversea...salary based on convert or what?

Been paying 218 per month consistently now suddenly need to pay 350+/- not much increase but I feel unfair la.. suddenly increase? Not like I didn't pay...

if work at SG 2.6k salary.....

convert become rm8k..then need pay 1.2k ptptn per mth???????


crazy liao.....

This post has been edited by M4A1: Dec 5 2018, 06:37 PM

work sg 1 got pay tax 1 meh?

i tot they tax free 1... lol

True tho, Ptptn has the lowest interest rate for loans in the country.