PTPTN Loan Exemption/Waiver Discussion Thread v1, Work hard to First Class, Zero Debt!
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 Sep 7 2021, 08:19 PM
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#1
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Junior Member
679 posts Joined: May 2008  
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do we need to ask ptptn when we start the repayment.. or will they send us email or letter to inform us the amount that we need pay, when we start to pay ?
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Sep 7 2021, 09:05 PM
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#2
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Junior Member
679 posts Joined: May 2008
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QUOTE(iSean @ Sep 7 2021, 08:22 PM) When your university conducted the Convo ceremony + 1 year : Then you should start paying. i see. my last exam on jun20, then on nov20, register for the convo (but no ceremony lah), that means, end of this year, i shall be start paying.. but how much i need to pay? i saw my contract stated like this 
, however it said that 10 semester, but i had completed within 6 semester, which means that i only received 6 times instead of 10 times.not sure should i reduce the repayment or how... or best advice is to enquire ptptn staff. right ? any idea? thanks |
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Sep 7 2021, 09:32 PM
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#3
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Junior Member
679 posts Joined: May 2008
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QUOTE(iSean @ Sep 7 2021, 09:18 PM) eh. your degree is part time [Separuh Masa], not eligible for PTPTN exemption haha.. ya my result so so somemore, even full time study also wont get exemption or discount lah.. sorry, coz i see u are familiar to ptptn , that's y i ask question which not related to the exemption thing. anyway i got some clue from you too, it helps a lot. so my next step is to contact ptptn staff and ask whether follow the repayment plan or can reduce to pay 60% or not. and confirm start paying on november 2021. https://www.ptptn.gov.my/pengecualian-bayaran-blk-side June 2020 - Final Paper November 2020 - Online Convo get scroll edi. Means November 2021 - start paying. Best advice enquire PTPTN staff since you magically finished Degree 4 month quicker, also check how much you need to pay, since PTPTN Stopped your loan early by 4 months.  https://www.ptptn.gov.my/perkhidmatan-menu/...aran-balik-menu Loan Repayment The borrower is responsible to repay the amount of PTPTN loan issued to him including other costs such as wage costs, takaful coverage, Revenue Stamp tax and other payments as stated in the Loan Offer Document. Loan Repayment Commencement Period: Borrowers must repay the loan after 12 months of graduation WITHOUT having to wait for the Repayment Notice from PTPTN. Wage cost (Ujrah) on a monthly basis will be charged starting on the 13th month. Borrowers who make early repayments will not be charged wage costs during the 12 -month period. The repayment period for borrowers who make Ujrah exchange is based on the loan balance. Bayaran Balik Pinjaman Peminjam bertanggungjawab untuk membayar balik jumlah pinjaman PTPTN yang dikeluarkan kepadanya termasuk kos-kos lain seperti kos upah, perlindungan takaful, cukai Setem Hasil dan lain-lain bayaran seperti yang dinyatakan dalam Dokumen Tawaran Pinjaman. Tempoh Mula Bayaran Balik Pinjaman: Peminjam hendaklah membuat bayaran balik pinjaman selepas 12 bulan tamat pengajian TANPA perlu menunggu Notis Bayaran Balik daripada PTPTN. Kos upah (Ujrah) secara bulanan akan dikenakan bermula pada bulan ke 13. Peminjam yang membuat bayaran balik lebih awal tidak akan dikenakan kos upah dalam tempoh 12 bulan tersebut. Tempoh bayaran balik bagi peminjam yang membuat pertukaran Ujrah adalah berdasarkan baki pinjaman. thank you. |
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