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Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN
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fruitie
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 Jun 2 2017, 02:46 PM
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Rise and Shine
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QUOTE(xHj09 @ Jun 2 2017, 02:11 PM) Okay, if I've been paying on the 2nd, will my ccris be affected? I think I should start paying end of this month. Thanks. Why not? Are there better alternatives? Like AmEx 5% cash back for you? My malay damn bad I can't understand their website direct debit stuffs  I'm not sure, maybe you will need to print your CCRIS to see if it is affected. Yes, I prefer credit card than deducting from bank account.  5% cash back is very good for me.  |
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fruitie
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Jun 12 2017, 01:26 PM
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Rise and Shine
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QUOTE(zinogino @ Jun 12 2017, 12:39 PM) Thanks, for the heads up. However, I did travel to Malaysia this year and I did not have any issues. Is it safe to say, can I travel within Malaysia next month? Cause I got some work which requires traveling. Check your IC here: http://sspi2.imi.gov.my/ |
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fruitie
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Jun 12 2017, 05:28 PM
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Rise and Shine
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QUOTE(zinogino @ Jun 12 2017, 04:23 PM) Still safe for now. You better start paying before it blacklists you. |
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fruitie
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Jun 14 2017, 12:01 AM
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Rise and Shine
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QUOTE(yageosamsung @ Jun 13 2017, 10:33 AM) Hi, this is what i've got from http://sspi2.imi.gov.my:>>> Sila rujuk ke pejabat Imigresen terdekat Status: Sah pada waktu dan tarikh semakan dibuat. Does it mean tiada halangan? TQ. Already got blacklisted. Time for you to go to the nearest PTPTN for settlement. |
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fruitie
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Jul 6 2017, 12:08 PM
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Rise and Shine
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QUOTE(iamsolucky @ Jul 6 2017, 11:41 AM) Can we use amex to pay ptptn via M2U ? No. Only via PTPTN site. |
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fruitie
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Jul 6 2017, 02:44 PM
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Rise and Shine
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QUOTE(iamsolucky @ Jul 6 2017, 02:38 PM) Thanks for advice. From the ptptn website we need to select the insurance and pinjaman 1 to proceed payment, If my monthly instalment is RM200, how to distribute the RM200 between the insurans and pinjaman 1 ? TQ I think the installment is excluding of insurance. So, it is installment + insurance = RM 200 + x amount. |
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fruitie
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Jul 6 2017, 02:55 PM
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Rise and Shine
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QUOTE(Avangelice @ Jul 6 2017, 02:53 PM) not easy bro. I have an engagement in Japan and I don't wanna fuck it up because of my past mistakes of ignoring my loan back when I was young and stupid so I had to work extra shifts to cover the 14k tunggakan. now left 50k to finish Oh, I thought you repaid all back.  My tunggakan already cleared almost a year ago and I applied for two new banks yesterday, one of the banks told me, my PTPTN is cleared from their end. I'll be buying property this month and I think my loan will be OK.  |
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fruitie
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Jul 6 2017, 04:01 PM
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Rise and Shine
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QUOTE(Avangelice @ Jul 6 2017, 03:51 PM) I did the opposite. I used whatever I made when I started working to buy a property at half a million. no regrets so good luck! Yeah, mine is close to 600k. Dying now. Thanks for the good luck. |
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fruitie
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Jul 15 2017, 08:43 PM
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Rise and Shine
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QUOTE(LazyKurosaki @ Jul 15 2017, 08:36 PM) Do ptptn restructuring affect loaning chance? Yes, unfortunately. |
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fruitie
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Jul 15 2017, 08:45 PM
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Rise and Shine
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QUOTE(heavensea @ Jul 15 2017, 08:43 PM) Those blacklist kaki, U need to pay at least 50% of your total tunggakan in order to get rid from black hole then u can take aa flight to travel yolo liao. Nego with ptptn officers, be humble and don't sombong like some dikhead and u r good to go. Good luck. 30% is sufficient. Just negotiate with them. |
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fruitie
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Aug 2 2017, 04:44 PM
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Rise and Shine
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Best is to use credit card, can earn cash back if use correct cards and no charges. |
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fruitie
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Aug 11 2017, 03:37 PM
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Rise and Shine
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QUOTE(iamnotkobe @ Aug 11 2017, 03:24 PM) newbie here, Mind to share which credit card should I apply for ptptn cash back? thanks in advance. QUOTE(realitec @ Aug 11 2017, 03:27 PM) Maybank 2 Cards (Good with PTPTN) * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50/month. M2Cards AmEx doesn't give 5xTP for PTPTN as it is included as government transactions. It is 0xTP, so only 5% cash back. iamnotkobe, on top of M2Cards, you can also apply PBB Quantum and Visa Signature. |
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fruitie
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Aug 15 2017, 09:07 PM
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Rise and Shine
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QUOTE(coolguy_0925 @ Aug 15 2017, 08:51 PM) PTPTN said 30% paid then can remove from barring. But I am in dillema to pay 50% to get 10% discount and lesser repayment monthly And after chaning to 1% will they revise those previous 3% interest or only from now on? 30% of tunggakan not 30% of total outstanding amount. Whatever paid before is considered paid, only for current outstanding amount. |
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fruitie
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Aug 15 2017, 09:22 PM
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Rise and Shine
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QUOTE(coolguy_0925 @ Aug 15 2017, 09:17 PM) Yes 30% of tunggakan But after a deep thought I think it is more worthwhile to pay only 30% of tunggakan rather than paying 50% of total outstanding for that 10% discount What I mean is will they recalculate the interest from day 1 for 1% Ujrah or they will remain whatever 3% interest charged and continue from now on @ 1% They will redo a new agreement for you and it will be fresh 1%. So if you owe them 60k, it will be new agreement based on 60k. |
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fruitie
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Aug 15 2017, 09:31 PM
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Rise and Shine
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QUOTE(David83 @ Aug 15 2017, 09:26 PM) Not based on the original amount you applied/loaned for? I don't think so and my agreement is in office. I can only verify tomorrow. |
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fruitie
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Aug 16 2017, 10:07 AM
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Rise and Shine
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QUOTE(eclecticube @ Aug 16 2017, 09:25 AM) Hi, I just finish my diploma studies and going to continue to my degree course in Sept. Do i need to inform PTPTN regarding the deferment of payment? Yes, else PTPTN will take it as you didn't pay. My cousin who continued Master after Degree, wrote a deferment letter to them but still captured him as no payment.  He started paying as soon as he has started working but still barred him from exiting country. He went to Putrajaya office to check and it was caused due to his Degree loan.. He asked about the deferment letter, they said they didn't receive it. |
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fruitie
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Aug 16 2017, 11:10 AM
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Rise and Shine
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QUOTE(coolguy_0925 @ Aug 16 2017, 10:39 AM) Appreciate if you could update us? Thanks ya!  Just checked as I just reached office, it is based on my outstanding balance. I changed in October 2016. Please refer to attachment.  |
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fruitie
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Aug 16 2017, 08:29 PM
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Rise and Shine
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QUOTE(LazyKurosaki @ Aug 16 2017, 07:34 PM) Guys, sorry off topic. Hw cn I check on mbb cc application status ? Call CS? Refer to MBB cards threads in CC section. |
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fruitie
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Aug 16 2017, 11:47 PM
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Rise and Shine
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QUOTE(daniel7910 @ Aug 16 2017, 09:57 PM) last month ptptn blacklistd me for imegresen exiting country.... just went yesterday to pay half of the total amount to get the 10% rebate.... costing me around 10k..... oops.... How I wish my total amount is only 20k. Mine is almost 3x of yours. Taking my own sweet time paying according to schedule. |
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fruitie
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Aug 17 2017, 09:02 PM
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Rise and Shine
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QUOTE(Stellios @ Aug 17 2017, 08:24 PM) Was supposed to pay 20k after my diploma but I continued my studies (degree) and graduated. Is it possible to go to Amcorp to get it rescheduled? You can go to any PTPTN office to restructure. Since you already paid late, it should be restructured now. Is there any PTPTN office at Amcorp?  |
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