There's button called "Semakan No Pinjaman"

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.

Probably I think I just pay by credit card and BT them.

I thought of this option too but my debt amount after discount is RM 42k. So, I have to split into few cards and BT into 12 months and 6 months.
I only have one 12 months option now.

Or else, I pay partially with EPF and BT the remaining. I will need to work on the budget.

So how you guys make payment via online after getting the figure from budget2018 portal? Tried calling in the hotline, cant call in at all

Yea... better work it out. Else it will no difference from paying the 15% if the BT repayment is the same.

I supposed you can pay accordingly and walk-in to nearest PTPTN to get the settlement.

Actually more than 15% if go by BT option but cleared in 12 months, if monthly payment of 15%, I may be able to clear within 3 years.

Pay accordingly by the after 20% discount figure online and bring the letter to PTPTN for settlement letter?

If you can walk in to clarify but that's the best. However, since multiple payments can be made within the same month, then should be OK to settle ourselves and walk in to get settlement letter.

I just made a full settlement by paying online.
The staff that I liaised with said can pay online.

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.

EPF Account 2 can be emptied.

She calculated the amount to pay for which after 20%.
I just paid that 80% amount only.
She said release letter will be ready next after discount have been adjusted.

After deep calculation, I gain more saving.
20% discount + monthly ujrah cost for remaining tenure.
Since I'm just to pay for 10% to 15 of my gross monthly salary next year, why not pay full with CC.
Turn the paid amount in CC into 0% installment and/or BT. The installment is about the same.

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

By call and then followed by Whatsapp.
She took a snapshot and replied to me.

Thanks, not sure Epf this year dividend how much...

Will walk to EPF counter and check for total how much to pay for it.

20% until this month only...

My amount is too significant and if BT also gonna cost a lot every month.
Anyway, I may go for partial withdrawal via EPF and the rest paid CC. Need to prepare few CCs.

Just converted one of the swipes to 12-months installment.
The other swipe needs to be BT.

Thanks PH for messing up my plan!