They still show my last working company and i am no longer working there for a few years.

it's an open fishnet..... take care ppl

Commitment section is all loans part....
So better fill up that part...

Only part don't fill is the dividend income & interest from savings / rentals....

Both me and my wife had been married for 2 decades and had been putting in those status in lhdn ever since. But we were both listed as "tak berkahwin" in Padu system. Ha ha

I guess, they just wanted some confirmation that both of us read and understand what were posted in padu, and what some info needs to be amended by us..ha ha

This post has been edited by MUM: Jan 3 2024, 11:53 AM

that's good enough

same same.... i left it as it is

That exDAP MP asking for PADU to be suspended temporarily first... Until they resolved the security issues @ loopholes....

And they says PADU is integrated with many agencies...

All lazy as fuk... Need we to fill up everything....

But since they cannot get info from Banks & bursa...
Want us to fill up & trap us too with the information provided 😜

i suscess to submit, since i submit and pay tax every year, LHDN also got my details, nth worry, just the security on this system really tadika level, their pen test is a joke.

now i have to ajar all my old parent and relatives...

Did you file your tax return lately or long time no filed?

Just go to those counter bergerak something...

Bring IC & it's fotocopy...
Bank details & all your expenses (loans commitment)..

So we get that the ultimate goal of the gomen is wanting to move away from the conventional B40, M40 and T20 concept by estimating one's disposable income.

I wish to clarify what is the definition of "disposable income"?

Let's just throw in some scenario to understand better:

Scenario A
A person who earns gross income of RM20k per month with net income say, RM14k per month
Married with 3 kids and wife not working, so he has 4 dependents.
Housing loan or rental = 2k
Car loan = 1k
Household spending = 8k including expenses for 3 kids, including insurance, utilities etc.
So leaving behind 3k for savings or rainy days or for investments (14k - 2k - 1k - 8k = 3k)


Scenario B
A person who earns gross income of RM20k per month with net income say, RM14k per month
Single and no dependent
Housing loan A = 3k
Housing loan B = 2k
Housing loan C = 2k
Car loan = 1k
Household spending = 4k for self.
So leaving behind 2k for savings or any other things (14k - 3k - 2k - 2k - 1k - 4k = 2k)

Let's just assume no other income for both scenarios and forget about bonus and other perks first.

Based on previous categorisation, both scenarios also considered as T20 right?
In the above assumptions, seems like Scenario B is more T20 compared to Scenario A?

So how do we determine net disposable income? what is disposable income?
What constitutes commitments? housing loan or car loan or any other loan consider as commitment? or just dependents?
Which scenario will be eligible for subsidy? such as petrol subsidy.

This post has been edited by tehoice: Jan 3 2024, 12:03 PM

I don't dare to submit because of security issues.

later all info are leaking...

Your thread did get removed to correct section ah? He or she is no longer reports ah??? Beh tahan Liao...

Need to wait & see first...

Let all the gunnepigs go first... Become testing ground..

They did say till March end... Still got time...

I dont plan to submit my PADU now since there still time until deadline

scenaro B is rich fella. coz he got so many asset. who told to have so many loan?
for scenario A, so just put remaining 100. why need to put 3k? no one can predict every month save 3k.
Therefore put all expenses can get more subsidiary coz got more commitment? a bit dumb to evaluate. at the end still look on salary income (most people when got more money, high purchasing power).
If income less, how can have more expenses...(unless they keep use cc) -> this scenario is dig problem in future

This post has been edited by ericlaiys: Jan 3 2024, 12:11 PM

tehoice

Based on what they want in PADU..
The commitment is all the loans payment & insurance $$$$
Not your monthly expenses for food or petroleum products...

So they would give the bantuan $$$ on that....

There's some catch...

Too much housing loans (more than 1) & cars trigger for more audits...
Good luck... If u don't declare rental income $$$

This post has been edited by nexona88: Jan 3 2024, 12:10 PM

https://www.google.com/amp/s/soyacincau.com...sword-flaw/amp/


BTW, I read previously there had already been few instances of data leak from govt agencies.....
And the law states they cannot be sued...??


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yup. this is the trap that i can foreseem