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 Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN

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SUSDavid83
post Dec 30 2016, 10:33 AM

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QUOTE(MNet @ Dec 30 2016, 10:32 AM)
Is it instant update on the ptptn website after pay via jompay?
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No. It is a manual update.
It could take up to 1 week to get updated.
SUSDavid83
post Jan 17 2017, 09:55 AM

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QUOTE(gempakstarz @ Jan 17 2017, 09:51 AM)
any1 here using direct debit to pay ptptn?got 10% discount?
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Do you guys actually inquire the PTPTN staff when the 10% discount will be credited into your statement?
SUSDavid83
post Jan 17 2017, 02:50 PM

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QUOTE(slave4life @ Jan 17 2017, 02:08 PM)
is it true that i will get the surat pengesahan after clear off my tunggakkan?

can i apply cc after i clear off?

thanks.
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Surat Pengesahan Bayaran Tertunggak or
Surat Pelepasan Pembiayaan?
SUSDavid83
post Jan 17 2017, 03:57 PM

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I made payment using JomPay.
I noticed that the payment to the Takaful section is not adjusted accordingly from the amount paid using JomPay.
SUSDavid83
post Jan 17 2017, 04:09 PM

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QUOTE(slave4life @ Jan 17 2017, 04:08 PM)
Surat Pengesahan Bayaran Tertunggak, called ptptn careline yesterday and been told that i will receive if i pay for the tunggakan. But after the call, i'm afraid of the officer get me wrong that i am going to do full settlement. that's why i ask again here  biggrin.gif
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Surat Pengesahan Bayaran Tertunggak or Surat Pengesahan Bayaran Terkini is only issued upon request.
SUSDavid83
post Jan 18 2017, 07:48 AM

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QUOTE(fadz8L @ Jan 18 2017, 07:44 AM)
why there is a processing fees if we use Credit Card in Putrajaya (KPM) for RM 0.53 but free in KL Sentral ?
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Putrajaya (KPM) is what? PTPTN branch/office?

This post has been edited by David83: Jan 18 2017, 07:49 AM
SUSDavid83
post Jan 18 2017, 08:30 AM

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Seems like PTPTN e-statement interface has been revamped.
The insurance section has been moved to upper section.
The pertanyaan baki (summary) is enhanced to show respective outstanding in breakdown.

SUSDavid83
post Jan 19 2017, 12:59 PM

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QUOTE(alex_cyw1985 @ Jan 19 2017, 09:26 AM)
This one is meant for conventional loan.

QUOTE(fruitie @ Jan 19 2017, 11:15 AM)
I use this link: https://www.ptptn.gov.my/penyatapinjaman/index.html and it is still working.

My insurance is cleared for now, the balance goes to my bayaran pinjaman. rclxms.gif
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This link will help you to divert to the correct link.

I think I don't really like PTPTN website is that they have too many links and it is rather confusing!
SUSDavid83
post Jan 19 2017, 01:40 PM

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QUOTE(Duckies @ Jan 19 2017, 01:23 PM)
Few days back I keep fail to login. Turns out they are upgrading the website? I saw the Baki Terperinci looks nicer now.

One of these days ayam just gonna take out from KWSP and pay it so that no need to always keep track dry.gif
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They also incorporated Jom Pay payment information in the middle of the page.
SUSDavid83
post Jan 19 2017, 02:02 PM

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QUOTE(fruitie @ Jan 19 2017, 01:57 PM)
Even if I settle 50%, I still will pay every month to quickly clear off the debt. laugh.gif
I don't want my CCRIS to look uglier than it is now, because it is already ugly due to PTPTN. laugh.gif
Just worried if I pay one lump sum and stop paying for a while, it will not show 0 in my CCRIS just like previously.
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It will show 0 once the number of elapsed months is over provided that you continue to make prompt repayment according to the schedule.
SUSDavid83
post Jan 19 2017, 02:14 PM

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QUOTE(Duckies @ Jan 19 2017, 02:08 PM)
Erm can you elaborate more? Let's say I paid 50% so over the course of n months it won't appear as 0 until the 50% coverage is over?
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What I meant is that let's say your CCRIS report shows number of outstanding months is 10
Even if you made a 50% to offset the total amount, the number shown in CCRIS won't be wiped off to 0 until 11 months later.
SUSDavid83
post Jan 19 2017, 02:45 PM

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QUOTE(Duckies @ Jan 19 2017, 02:44 PM)
Ahhh got it. But what if I paid 50% now and then stop paying for the next 24 months let's say? The 50% can cover up 3 years.
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I don't know. You have to inquire the PTPTN staff.
SUSDavid83
post Jan 19 2017, 02:55 PM

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QUOTE(deity01 @ Jan 19 2017, 02:52 PM)
errr...isnt that in CCRIS, if let say u each month need to pay RM100, but you pay RM90 only, then your ccris of that month will + 1, then the following month, you pay RM90 again then it will + 1 again..
so u will get:
PTPTN 2 1

then the 3rd month u pay RM200, which is more than ur monthly scheduled RM100 + those 2 months before outstanding which is RM20 in total

then ur ptptn will be:
PTPTN 0 2 1

then the 4th month u pay RM100...ptptn will become:
PTPTN 0 0 2 1

as long as you get back 0 then this is consider wiped off to 0 for me...no?

but for those ppl that want to hv 0 0 0 0 0 0 0 0  all the way, then of cos hv to wait for many months to come only u will saw a straight line of zeros la..(provided that you pay promptly throughout the months)
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I'm not really sure how CCRIS works.
I believe wiping off is defined having a clean sleeve; a long string of 0's
SUSDavid83
post Jan 19 2017, 05:59 PM

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QUOTE(spreeeee @ Jan 19 2017, 05:55 PM)
is this legit?

then what about http://www.ctoscredit.com.my/ ?
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It is still the same report maintained by BNM: CCRIS
Just the end presentation and interpretation is different.

CTOS Credit Report combines CCRIS from BNM and CTOS Check, evaluates it and comes out with its own score rating.
SUSDavid83
post Jan 20 2017, 08:51 AM

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Noted that the enhanced Ujrah detailed online statement added with Printing feature.

Previously, if want to print or save in PDF was a huge troubles!
SUSDavid83
post Jan 20 2017, 05:49 PM

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QUOTE(slave4life @ Jan 20 2017, 02:22 PM)
If through JomPAY, and it will only updated within 3 working days. I paid using JomPAY, but mine haven't updated, anyone faced this issue before? takes more than 3 days?
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It could take up to 1 week to be updated.
SUSDavid83
post Jan 20 2017, 07:56 PM

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QUOTE(LNYC @ Jan 20 2017, 07:51 PM)
Hi, hope it is not too late to answer. I opt for auto-deduction from my salary every month. Then, today check with ptptn, the officer said that the 10% rebate deducted every month from the payment. So it means, every month, still auto deduct the payment, then rebate back to the ptptn acct and I have overpay in ptptn statement.
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Any statement to show as proof?
Have you checked your latest statement?
SUSDavid83
post Feb 28 2017, 09:06 AM

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Should You Pay Off Your PTPTN Debt With Your EPF Money?

One of the ways you can use your EPF is to pay off your student debt or PTPTN. But is this a good idea to do? Let's find out

URL: https://ringgitplus.com/en/blog/Debt-Manage...-EPF-Money.html
SUSDavid83
post Mar 2 2017, 11:00 PM

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Great improvement from PTPTN that it starts to accept credit card via FPX with no extra charge.
rclxms.gif
SUSDavid83
post Mar 5 2017, 10:37 PM

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QUOTE(hirano @ Mar 5 2017, 10:31 PM)
ptptn for full repayment, is this only via counter?

I heard if pay via online portal with cimb card can get sone cashback. So it it possible as i want to get 15% full pay discount + cimb cashback
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The maximum rebate you is also RM 30.
That is equivalent of payment of RM 600.

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