hi,

I've graduated in year 2006. Didnt pay my ptptn loan until Dec 07. Started paying in January 2008 until now

every month. In 2008, i pay 200-300 every month, then for this year 2009, i increased my payment to RM 500 every month to avoid the high interest charges.

"KOS PENTADBIRAN TERKUMPUL TAHUN SEMASA SETAKAT OKTOBER 2009  :  458.38  "

Up til now, my salary is only RM 1.8k,after epf n socso is RM 1681, deduct RM 500 every mth for ptptn, deduct petrol RM 280 per/mth, food & other expenses RM 300, RM 200 for parents.......luckily im still staying with family  otherwise, if need to pay rental....habis lah!

Currently, still need to pay 13k, so estimated in 2 yrs plus can pay off all....

My friend got a reply from PTPTN on the 1% thingy and forwarded the email to me. I hope this will help PTPTN loaner folks here.

Tuan/puan,

Sebagaimana yang diketahui umum, kerajaan telah mengumumkan pengurangan caj pinjaman iaitu dari tiga (3) peratus kepada satu (1) peratus berkuatkuasa 1 Jun 2008. PTPTN telah mula melaksanakan Pembiayaan Pendidikan berkonsepkan Ujrah satu (1) peratus kepada pelajar-pelajar baru mulai kelulusan pada 22 Disember 2008. Manakala penawaran Ujrah kepada pelajar-pelajar lama yang layak akan dilaksanakan secara berperingkat bermula pada 1hb Ogos 2009.



Penawaran Ujrah adalah dibuat berdasarkan kategori peminjam seperti berikut:-



a.      Peminjam sedia ada yang sedang belajar.,

b.      Peminjam yang telah tamat pengajian, Bagi mereka yang mempunyai tunggakan mereka perlu melunaskan kesemua bayaran balik yang tertunggak sebelum layak menikmati kaedah pembiayaan berkonsepkan Ujrah.

c.      Peminjam yang telah diambil tindakan undang-undang tidak akan ditawarkan pembiayaan berkonsepkan Ujrah dengan kenaan upah satu (1) peratus setahun, sebaliknya akan diambil tindakan berdasarkan prosedur perundangan seperti yang telah ditetapkan.



Peringkat pertama tawaran Ujrah kepada pelajar-pelajar lama yang layak akan dibuat pada 1 Ogos 2009. Pelajar-pelajar yang ditawarkan ini akan dimaklumkan melalui khidmat pesanan ringkas (sms) daripada PTPTN. Peringkat pertama ini melibatkan seramai lebih kurang 20,000 orang pelajar. Tawaran peringkat pertama ini melibatkan pelajar-pelajar di dalam kategori berikut :



i.                    Pelajar-pelajar yang diluluskan pinjaman pendidikan PTPTN secara online mulai Jun 2008 sehingga 21 Disember 2008;

ii.                  Pelajar-pelajar sedang meneruskan pengajian di peringkat diploma dan ijazah sastera di IPTA; dan

iii.                  Pelajar-pelajar yang tidak menerima Wang Pendahuluan Pinjaman.



Pelajar-pelajar yang berada di dalam kategori ini hendaklah mengambil tindakan seperti berikut :



i.                    Membuat semakan melalui laman web PTPTN serta membaca maklumat dan tindakan yang perlu diambil oleh mereka;

ii.                  Pelajar-pelajar yang ditawarkan hendaklah memasuki laman web e-pinjaman dan login menggunakan kata laluan yang digunakan semasa permohonan online dibuat dahulu;

iii.                  Pelajar-pelajar perlu mencetak dokumen tawaran dan melengkapkan dokumen tawaran tersebut (termasuk melekatkan setem hasil); dan

iv.                  Menghantar dokumen berkenaan kepada PTPTN untuk tindakan yang selanjutnya. Dokumen perlu diterima oleh PTPTN dalam tempoh 30 hari daripada tarikh tawaran (1 Ogos 2009).



Adalah diingatkan agar pelajar-pelajar yang telah menerima tawaran Ujrah perlu mengemukakan dokumen yang lengkap kepada PTPTN mengikut tempoh yang ditetapkan bagi membolehkan PTPTN menyelesaikan urusan perubahan ini sebagaimana sepatutnya.



Pelajar-pelajar yang layak tetapi tidak menerima tawaran pada kali ini akan menerima tawaran pada peringkat yang seterusnya.



Untuk sebarang pertanyaan dan maklumat lanjut, sila hubungi Call Centre PTPTN di talian 03-2092 7788 ataupun melayari laman web PTPTN di www.ptptn.gov.my.



Webmaster04

Perbadanan Tabung Pendidikan Tinggi Nasional

i dont understand this statment
is it mean if we are graduated are not able to reduce to 1%?if we have balance?

b. Peminjam yang telah tamat pengajian, Bagi mereka yang mempunyai tunggakan mereka perlu melunaskan kesemua bayaran balik yang tertunggak sebelum layak menikmati kaedah pembiayaan berkonsepkan Ujrah.

Yea, u need to pay till uptodate.The last time i paid off RM900++ to clear the outstanding coz they sent lawyer letter to me.After that, i received a statement written 1% interest only.

u mean u receive the statement written 1% d?
when the statement was send

since the interest is so low, only 3%,
y dun pay lesser , and use the extra money to do investment ?
u may use the money to invest something which can get more return than ptptn interest.

How long for them to cover up the first batch lar? Just update the database also update 1 year++, and yet not completed...   
By rite, all (except blacklisted) shall be eligible for 1%...

may i ask if we want to pay one lum sum to settle the loan... got any discount/rebate?

hmm, i dun think if you pay lump sum u will get discount or rebates....but u will definitely save alot on the admin charges....imagine every mth the amount that you have to pay....by paying lump sum, you save on the interest charges...if you can pay all in one lump sum, might as well go ahead, but of coz make sure u have enuff emergency  funds la....

may i ask if we want to pay one lum sum to settle the loan... got any discount/rebate?

I contacted with ptptn before, those who paid regularly as per their schedule or do not have any outstanding overdue debts only entitled with 1% interest charged.

On the other hand, your present statement must tally with your original payment schedule. But still you need to wait for ptptn to update their database batch by batch, so meanwhile, you still need to pay accordingly with 3% interest charge.

On the other hand, your present statement must tally with your original payment schedule.

Hi. I have just started working and my pay is little.

I have repaid PTPTN on the previous month but I paid on RM100 monthly.

There are only 3 months left before the end of the year and I decided to pay RM300 in 1 shot for 3 of these month.

I will be dead broke but will be able to survive the month.

Or should I pay RM100 for each month so that I can better manage my money. Thanks.

hi, i really cannot tahan liao....i wanna pay off everything in one lump sum d......13k left....

I have talked to some old man regarding this matter.

They advised not to pay in one lump sum. Some of your money can be invested in some place. By earning the interest, you could then pay back to PTPTN.

What will you do if you suddenly need that lump sum of money in case of emergency?

well.. i have paid off one lump sum.

My point is: if you are clear now, then you will psychologically feel better, as investment not always earn money; it lose sometimes.

So clear it, then invest. FD rate is so low now, no use keep at bank..