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> Need advise on repaying PTPTN loan, all ur News and Questions on PTPTN

amirbashah
post Jan 14 2008, 04:03 PM


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Just paid my loan via Maybank2u.Very easy and convenient.
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amenlo9
post Jan 14 2008, 10:30 PM


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CIMB online banking only charged RM0.50.

Public bank is RM1
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leekk8
post Jan 15 2008, 11:04 AM


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QUOTE(Aeon_Clock @ Jan 14 2008, 03:04 PM)
my interest was stagnant in the last statement...I have a feeling they only calculate once a year and charge the rest of the way?

btw, anyone knows how to pay PTPTN?
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No, the interest is not stagnant. If you pay every month, the interest is different every month.
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l3iTi
post Jan 17 2008, 10:01 AM


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Do you guys know what is the official mail to make complain bout PTPTN??
Last 10 of Jan, i mailed to 'webmaster@ptptn.gov.my' but still din receive any reply from them....

I've compare my statement wif my frens' statement...

Here's the scenario: Me, A & B (same amount of loan)
Me = Pay b4 loan start count
A = Never Pay b4
B = Pay after the loan start count

Conclusion i get is:
My total interest is the highest and B is the lowest.
A has the constant interest.
B total interest slightly lower than A ( This situation theorectically correct)
Mine is totally unacceptable, interest is constant even though i paid b4 interest start count, and my interest is higher than A or B rclxub.gif

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leekk8
post Jan 17 2008, 11:43 AM


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QUOTE(l3iTi @ Jan 17 2008, 10:01 AM)
Do you guys know what is the official mail to make complain bout PTPTN??
Last 10 of Jan, i mailed to 'webmaster@ptptn.gov.my' but still din receive any reply from them....

I've compare my statement wif my frens' statement...

Here's the scenario: Me, A & B (same amount of loan)
Me = Pay b4 loan start count
A = Never Pay b4
B = Pay after the loan start count

Conclusion i get is:
My total interest is the highest and B is the lowest.
A has the constant interest.
B total interest slightly lower than A ( This situation theorectically correct)
Mine is totally unacceptable, interest is constant even though i paid b4 interest start count, and my interest is higher than A or B rclxub.gif
*
I think is penyata@ptptn.gov.my. You can check their website...webmaster is to complain about their website only.
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ante5k
post Jan 17 2008, 12:50 PM


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QUOTE(l3iTi @ Jan 17 2008, 10:01 AM)
Do you guys know what is the official mail to make complain bout PTPTN??
Last 10 of Jan, i mailed to 'webmaster@ptptn.gov.my' but still din receive any reply from them....

I've compare my statement wif my frens' statement...

Here's the scenario: Me, A & B (same amount of loan)
Me = Pay b4 loan start count
A = Never Pay b4
B = Pay after the loan start count

Conclusion i get is:
My total interest is the highest and B is the lowest.
A has the constant interest.
B total interest slightly lower than A ( This situation theorectically correct)
Mine is totally unacceptable, interest is constant even though i paid b4 interest start count, and my interest is higher than A or B rclxub.gif
*
dont know about you.. but my interest count is incorrect also... email them, called them up...they called back, reply back.... and now no more sound d... i'm still being overcharge on interest (around $one ringgit plus minus per month)

what is your loan amount?
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l3iTi
post Jan 17 2008, 02:34 PM


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QUOTE(ante5k @ Jan 17 2008, 12:50 PM)
dont know about you.. but my interest count is incorrect also... email them, called them up...they called back, reply back.... and now no more sound d... i'm still being overcharge on interest  (around $one ringgit plus minus per month)

what is your loan amount?
*
21k...
Today is the cut off date for payment, so tomorrow login again and see the statement...see what's the interest 1st...
Even though it's plus minus RM1 or RM0.10, still no mood liao...interest higher than those who din pay doh.gif
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ante5k
post Jan 17 2008, 02:38 PM


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QUOTE(l3iTi @ Jan 17 2008, 02:34 PM)
21k...
Today is the cut off date for payment, so tomorrow login again and see the statement...see what's the interest 1st...
Even though it's plus minus RM1 or RM0.10, still no mood liao...interest higher than those who din pay  doh.gif
*
my cut off date is paying before the 15th of every month. admin fees are credited on the 17th..Need to pay before 15th to reduce amount of admin fees by 40cents.
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SK2
post Jan 17 2008, 02:49 PM


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u guys is it just follow the return loan plan suggest by ptptn in that letter?then is it RM 82.9 every month? may i know wqat is ur all balance+ kos pentadbiran now? thanks..
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ante5k
post Jan 17 2008, 03:08 PM


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QUOTE(SK2 @ Jan 17 2008, 02:49 PM)
u guys is it just follow the return loan plan suggest by ptptn in that letter?then is it RM 82.9 every month? may i know wqat is ur all balance+ kos pentadbiran now? thanks..
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different people, different loan amount.
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SK2
post Jan 17 2008, 04:23 PM


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QUOTE(ante5k @ Jan 17 2008, 03:08 PM)
different people, different loan amount.
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o..mine is 21k...if i not returned for nov, dec and jan, then how much the interest they add?

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l3iTi
post Jan 17 2008, 04:50 PM


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QUOTE(SK2 @ Jan 17 2008, 04:23 PM)
o..mine is 21k...if i not returned for nov, dec and jan, then how much the interest they add?
*
RM48.75 per mth...
PTPTN Statement just updated, you can check it out via online...


Added on January 17, 2008, 4:54 pm
QUOTE(ante5k @ Jan 17 2008, 02:38 PM)
my cut off date is paying before the 15th of every month. admin fees are credited on the 17th..Need to pay before 15th to reduce amount of admin fees by 40cents.
*
u mentioned you were over charged right? For my case, i'm not lar...just that when compare with frens, my interest higher than them lor doh.gif

This post has been edited by l3iTi: Jan 17 2008, 04:54 PM
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QiQio
post Jan 17 2008, 10:44 PM


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My college lecturer is still paying off her PTPTN loan...now her age is going for 40 mark line...
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leekk8
post Jan 18 2008, 11:02 AM


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QUOTE(QiQio @ Jan 17 2008, 10:44 PM)
My college lecturer is still paying off her PTPTN loan...now her age is going for 40 mark line...
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Hehe...I plan to pay the PTPTN until Im aged 60... biggrin.gif
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l3iTi
post Jan 18 2008, 02:07 PM


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QUOTE(leekk8 @ Jan 18 2008, 11:02 AM)
Hehe...I plan to pay the PTPTN until Im aged 60...  biggrin.gif
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rclxms.gif cool rclxms.gif
what's ur total loan?
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SK2
post Jan 18 2008, 03:29 PM


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If want extent the year of payment...do they still follow schedule bayaran balik in that letter? i mean the interest is still follow the plan?

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POYOZER
post Jan 19 2008, 04:37 PM


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i pinjam RM31k
but then need to pay back to them about RM40k
what da hell?
their management fees to high for me
sumore PTPTN is under government support
what they charge quite crazy?
when i borrow that time
they never mention i need to pay that high charge
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SK2
post Jan 19 2008, 05:10 PM


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QUOTE(POYOZER @ Jan 19 2008, 04:37 PM)
i pinjam RM31k
but then need to pay back to them about RM40k
what da hell?
their management fees to high for me
sumore PTPTN is under government support
what they charge quite crazy?
when i borrow that time
they never mention i need to pay that high charge
*
how many years u need to return all the money? 10 years? 15 years or 20 years?
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kurtkob78
post Jan 20 2008, 12:27 AM


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QUOTE(POYOZER @ Jan 19 2008, 04:37 PM)
i pinjam RM31k
but then need to pay back to them about RM40k
what da hell?
their management fees to high for me
sumore PTPTN is under government support
what they charge quite crazy?
when i borrow that time
they never mention i need to pay that high charge
*
they say before must pay interest. Only that many dont understand. And dont want to pay. When the money go up so high only surprised. Should just pay some. Or else u will kena interest. PTPTN interest is quite low which is 3% only. Compare that to personal loan.
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yewkhuay
post Jan 20 2008, 01:08 AM


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QUOTE(POYOZER @ Jan 19 2008, 04:37 PM)
i pinjam RM31k
but then need to pay back to them about RM40k
what da hell?
their management fees to high for me
sumore PTPTN is under government support
what they charge quite crazy?
when i borrow that time
they never mention i need to pay that high charge
*
u r cute, u signed the contract without reading it at all.
interest rate of 3% is high ? government loaning u $$ to study doesn't mean it is 0% interest.
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