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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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 Aug 18 2017, 02:40 PM
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Rise and Shine
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QUOTE(flyingspurs @ Aug 18 2017, 02:38 PM) Plenty of PTPTN office....they even opening branches in shopping mall, last year went to PTPTN office at Giant Shopping Mall at USJ.....2 officer 1 cashier...not much people there, so, no need to queue Yes, that's right. Their hotline also works on weekends. They are only worried if you don't pay.  Anyway, I went to Megan Avenue, the HQ for PTPTN, fast and efficient. After settling all my stuff, I don't think I will need to go back anymore since I can settle everything via online.  |
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fruitie
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Aug 18 2017, 11:49 PM
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Rise and Shine
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QUOTE(cfc @ Aug 18 2017, 10:31 PM) anyone saw CCRIS PTPTN record that actually showed a T-remark? can u snap the picture and upload here for reference .. I printed mine in April has no "T". |
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fruitie
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Aug 19 2017, 12:29 PM
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Rise and Shine
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QUOTE(cfc @ Aug 19 2017, 07:11 AM) fruitie, did you restructure ur PTPTN loan ? there is several forumer mentioned when we restructure the loan , out ptptn will actually flag with "T", then they fail to apply CC .. it will be good if we can have proof of the T really exist in ccris report that we normally get or it is only printed in banking institution version of CCRIS report ? Yes, mine is restructured back in Oct 2016 and true all my credit card applications were rejected until April. I tried again in July, two banks approved mine (I applied two and both approved) and even my bankers said I'm clear for housing loan. I just bought a house. |
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fruitie
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Aug 19 2017, 05:14 PM
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Rise and Shine
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QUOTE(MiKE7LIM @ Aug 19 2017, 05:07 PM) hi fruitie, did we get MBB 5x point when we pay online using Amex CC? i believe you paid yours during weekend and get 5% CB... how about 5x point? force to settle my balance due to mortgage loan ...still searching which CC is the best to use...  No 5xTP, it's government related expenses anyway. |
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fruitie
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Aug 20 2017, 09:55 PM
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Rise and Shine
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QUOTE(MiKE7LIM @ Aug 20 2017, 09:21 PM)  *Note: Government related 0 points, others affected categories are EPP, utilities, petrol, education, insurance (1x only) so which card entitle for point beside Aeon cc... I checked Citibank..no RP as well Points not important to me so I don't bother to check. |
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fruitie
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Aug 22 2017, 11:09 PM
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Rise and Shine
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Almost all new pinjaman are Ujrah. So no issue, I'm also Ujrah.
If you plan to settle a lot one shot, Conventional is good because you can save on interest but if you plan to pay according to schedule, Ujrah is good. Feel free to correct me if I am wrong.
Regardless, once you are on Ujrah, you cannot go back to Conventional anymore.
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fruitie
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Aug 23 2017, 02:20 PM
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Rise and Shine
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QUOTE(cfc @ Aug 23 2017, 12:47 PM) so did u ever c any "T" remark on CCRIS report ? u were in ujrah 1% before you restructure or were u still in conventional 3% loan before you restructure? i remember that converting from 3% to 1% does not count as restructure .. Nope. I just looked at the one I printed in April. No "T". I was with conventional 3% and forced to change to 1%. I thought mine is restructured because I was barred from going overseas. |
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fruitie
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Aug 25 2017, 02:22 PM
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Rise and Shine
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QUOTE(MiKE7LIM @ Aug 25 2017, 02:13 PM) Yeaa....i think you are right! I also plan to pay accordingly via AMEX during weekend until pay off. its only 1% which is much lower than any loan out there but its huge amount 20K++Â  Â balance duration 10 years++ to pay... Even if you early settle, you still need to pay for the interest. Mine is 25 years, nearly 60k. This post has been edited by fruitie: Aug 25 2017, 02:22 PM |
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fruitie
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Aug 25 2017, 04:49 PM
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Rise and Shine
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QUOTE(hustlerism @ Aug 25 2017, 04:27 PM) Probably, fruitie can help you on this  Sorry, I can't because I don't use auto-debit. I pay manually every month to earn 5% cash back. Perhaps others who did auto-debit can advise. |
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fruitie
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Aug 30 2017, 01:24 AM
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Rise and Shine
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QUOTE(zedyll @ Aug 30 2017, 01:22 AM) Hi, need help regarding my PTPTN loan. I got message from PTPTN that my diploma loan was combined with my degree loan (3 semester only then got JPA scholarship)..the total amount is big now. i got first class degree..... is the conversion from loan to scholarship still applicable?  Yes, still applicable for first class holders. |
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fruitie
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Aug 30 2017, 09:21 AM
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Rise and Shine
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QUOTE(zedyll @ Aug 30 2017, 02:20 AM) meaning i can get the total amount (dip+degree) converted to scholarship?  because based on old policy, i still have to pay for diploma loan while degree loan converted into scholarship. Well, if your diploma also first class lo. |
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fruitie
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Sep 7 2017, 03:20 PM
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Rise and Shine
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QUOTE(coolguy_0925 @ Sep 7 2017, 02:49 PM) Payment via FPX entitle for 0.2% CB using CIMB Cash Rebate MC? 0% because it is government transactions. No point using that card. |
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fruitie
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Sep 10 2017, 02:05 AM
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Rise and Shine
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QUOTE(coolguy_0925 @ Sep 9 2017, 09:35 PM) Thanks! Then I will have to opt for Jompay via CIMBClicks using Cash Rebate MC for 0.2% then Why not apply for other cards like PBB Quantum, VS or M2Cards? I'm using M2AmEx to pay every month. |
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fruitie
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Sep 10 2017, 12:40 PM
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Rise and Shine
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QUOTE(coolguy_0925 @ Sep 10 2017, 09:53 AM) I'm playing a lump sum to get -10% which M2C will max out at RM1000 or RM50 CB and part of my M2C had already been utilised for petrol, groceries, TNB, TM etc... Then apply other cards to pay for PTPTN or your other bills. 0.2% cash back is pathetic. |
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fruitie
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Oct 28 2017, 06:54 PM
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Rise and Shine
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Budget 2018 updates for PTPTN:
1) Grace period given for the settlement of loans has been extended to 12 months after their studies have ended, compared to the six months currently practised.
2) A 20% discount will be given to those who fully settle their loan.
3) A 10% discount will be given those who settle 50% of what they owe.
4) A 10% discount will be given to those who pay back via salary cuts or direct debit according to schedule.
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fruitie
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Oct 28 2017, 08:36 PM
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Rise and Shine
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QUOTE(LazyKurosaki @ Oct 28 2017, 08:20 PM) I jz graduated and I supposed to start paying ptptn in jan 2018 (after 6 months graduated). So does that mean I wil get extension of 6months additional? I think only applicable to those graduating in 2018. I could be wrong but if can start paying, then just pay lo. |
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fruitie
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Oct 28 2017, 08:52 PM
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Rise and Shine
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QUOTE(jimbet1337 @ Oct 28 2017, 08:40 PM) 20% for full settlement. Up from 15% last year? Yes, my friend cleared this year at 15%. |
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fruitie
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Oct 29 2017, 02:40 PM
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Rise and Shine
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QUOTE(heavenly91 @ Oct 29 2017, 01:25 PM) This year 15% for 50% payment Well 2018 is not worth paying 50% off But it is worth to pay up all. Nope, this year is 10% as well for 50% repayment. 15% is for full repayment. https://www.ptptn.gov.my/web/guest/insentif_bajet_2017 |
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fruitie
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Oct 31 2017, 12:04 AM
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Rise and Shine
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QUOTE(ruben7389 @ Oct 31 2017, 12:00 AM) Effective date is immediate or Jan 2018 only ? I believe 2018, I didn't read it anywhere that it will be taken effect immediately.  |
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fruitie
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Nov 1 2017, 09:02 PM
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Rise and Shine
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QUOTE(notoriousfiq @ Nov 1 2017, 05:06 PM) 4 years should be enough wat.. Account II is only 20%. Assuming if one earns 10k, 23% contribution per month (11%+12%) = 2300 with only RM 460 goes into account 2. 460*48 months = 22,080. My Degree course is 64k. Though my Acc 2 is sufficient to pay back the balance I owe now, I will still reluctant. QUOTE(Ancient-XinG- @ Nov 1 2017, 05:21 PM) 1% only.... why so hurry. as long as you pay monthly... and the 10% off as bonus. Spend your 50k somewhere else give you better return... Pay is better than those scums not paying Yes, that's right. However, the feeling of debt free is really wonderful.  |
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