me also pay monthly... no need look at 20% rebate...

i wonder how are they going to implement the salary deduction and how will our employers know. Also whether we have other option to pay by TT or credit card starting next year.

Wanna clarify... The 20% discount only applicable if we pay 100% at ptptn counter? Any other more convenient method?

Not sure why the system so stupid.
How the heck should I get my no pinjaman.

Can we pay the full amount by using few credit card maybe over the counter and is it possible still enjoying that 20% discount?

Click on "Semakan Penyata Pinjaman", then click on "Penyata Baki". Your no. pinjaman is at the bottom of the page.

Yes, I was referring to the button. Typed too fast.

After overnight consideration, I'm considering to pay off my debt using EPF for 20% discount, I can save around RM 10.8k. Well, I'm not willing to be deducted with 15% every month.

Hi, the money from epf account 2 can be fully used to pay it off?
or only certain % quota.

So how about your 20%?
How they gonna pay you back?

Congrats, you are off from the hell.
Can use all so long you have the money.

How you get them to calculate for you?
By call? Email?

Does anyone know what exactly is needed for EPF account 2 withdrawal? I planned to withdraw around 67% of it and the remaining will be paid from my CC to earn some cash back before converting to 12 months BT.

I Googled and I can apply via online e-Pengeluaran form, however I cannot remember my tarikh mula pengajian and tamat pengajian. Also the dates can only be backdated to last 10 years, I started my degree program before that.

I guess I have no choice but to walk into the nearest EPF centre to apply for withdrawal. If anybody knows what else is needed besides my Degree transcript and cert, then please let me know. I just don't want to spend few trips there for the same thing.

Also how long will it take for it to be transferred to PTPTN? Thanks!

I found more information from EPF website but still worried I miss out anything as I'm going back to hometown today after work later and will be off for one whole month. My other documents are in my PJ house. I already prepared my transcript and cert.

Looks like I will call EPF and PTPTN later, hopefully the lines are not congested.

Still in dilemma whether to clear all 20k balance after factor in 20% discount...
Ady cleared half before and enjoyed 10% disc but recently the ptptn officer call me asking if i want to clear the balance so i was tempted abit... summore if can pay online using public cc got further 5% disc

https://www.thestar.com.my/news/nation/2018...d-says-maszlee/

No news on the discount... so for those want to enjoy the discount, better clear it this month. (last month)

A friend of mine went to apply for full settlement using her money in EPF Account 2.
Submission and all went smooth until... an SMS from KWSP saying withdrawal has been rejected.
Reason given is the transcript & degree scroll provided do not tally with the course mentioned in the loan offer letter.

She was from MMU. She took the foundation study which is a 1-year program prior to the 3-year management degree program. Apparently KWSP treat this "completion of foundation study and continue with degree program" as a "course change"... and rejected the withdrawal.

If you are in similar situation, you will need letters from PTPTN and the institution (in her case, MMU)... saying you have changed course, or explain the situation to KWSP.

Good luck.

Reason being we are not sure what will come next. Few days ago announced mandatory salary deduction according to salary bracket. Though it's 1% interest but every month my repayment will increase 5x, I don't think it's fun. I have other commitments to factor in as well. Though this has been suspended by MoE but God knows what will happen next year. By that time, no more 20% discount (because this is Najib's budget) and I will end up paying more with higher mandatory salary deduction.