pay via FPX integrated with their site also need wait 3 business days ?

Its fixed by them but I guess max will be 20++ years only

You mean that instead of deducting from the salary, you pay a bit more with other means to add it up? Can we still take the advantage of pay as you like after accepting the ujrah terms with a compulsory monthly pay which is 1% interest in certain2 years agreed?

i dont just understand y many people keep angry and dissatisfied with ptptn.

basic thing here > u already borrow the money n enjoy, so after u graduated, work y its so difficult to pay back??? i think all of u already read n understand all T&C when u sign the agreement, rite?

if u can buy a car, use credit cards, shopping, take personal loan etc, y its so difficult to pay as low as rm50 per month????

at my time, its 4%... ive already settled my PTPTN last year..N got confirmation letter from them

im paying around rm200 per month consistently, will pay more if got bonus ..every month i will check the statement n make sure i received official receipt from PTPTN..

no offense, just sharing my story ..now 1%,still difficult to pay?? ;p

This post has been edited by bigboy: Sep 29 2011, 10:41 AM

Anyone managed to file for a rebate from ptptn before? I repaid the full loan more than 3-4 years ago and I am still waiting for my rebate to date. Was wondering if i should just forget about it.

This post has been edited by eehtsitna: Sep 29 2011, 11:14 AM

u can go n check consistenly with PTPTN .. u have to be more active than them ;p

This post has been edited by bigboy: Sep 29 2011, 10:56 AM

I guess you graduated from IPTA rite...I am fully agreed on your statement and if my payment is as low as Rm50, i have no problem to pay it, its same like loan, you pay what you are getting...but for IPTS-graduated like me, a lot to think of with the rising cost of living nowadays and b4, the amount of payment can reach to ten fold of Rm50 within 20+years, that's why I prefer the flexibility in the first place, when you get more pay more

My wife is currently pursuing it with PTPTN, do not lose your hope even though its a only a fraction of it

everyone got affected with high living cost....
if u cant pay even as low as rm50/month...this thing will burden u coz u will get more commitment in future
lucky PTPTN is not straight as BANK

Thanks for the advice guys.

I am trying my best to pursue this. Tried to file this with their online system but my case/file disappear into thin air. Tried calling their hotline but never seems to get through. Drop by their Sabah info center last week but the lady said that need to give them a week to investigate.

Is there any channel which we can use to voice out this problem?

That's is the major reason why people are reluctant to pay it, PTPTN is not strict enough but I'm still consistently paying it for the past six years. But come to think of it, PTPTN created by Government and not a profit driven entity. I presumed the initial 4% interest in the first place was already a known burden to everybody, that's why the reducing interest rate exercise came into place. I hope they can integrate it to the income tax structure to encourage people to pay them, the blacklisted method was a nice move by them though

even now 1%, people still reluctant and keep arguing.
we must think about our young generation who needs the money, same with us before..
every year PTPTN loan out a lot of money but the return is so bad...

btw,if dun want to pay, convert to scholarship..only if u got 1st class degree..

guys, I dont really know my the load I get is 1% or 3%. Can I know where I can check it?

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Added on September 29, 2011, 9:46 pmand I assume that the percentage they charge is per annum. The new ujrah thingy is base on 1% on the total loan u take or it will be base on the balance left every year?

This post has been edited by Yangz88: Sep 29 2011, 09:46 PM

1% based on total loan

actually i have been working for a year already. Very funny, i still do not receive any letter for me to repay the loan.

Can i know what should i do, as i need to know what is my acct number to pay the loan.

Thanks

Then you're lucky. I haven't even gotten my exam results and they're already sending me letter charging me interest.

if you still keep surat tawaran/agreement letter, login to e-fes to check. if not, send e-mail to ptptn to retrieve nombor surat tawaran and pin number

My ptptn loan 9,+++.++. i paid 7,000 lumsum.... N it shud b balance 2,+++,++... and guess what, my balance almost reach 4k...

Any idea? For ur info, i never paid for 1 years, n my loan amaun still the same... But after i made the payment, the amount increasing like hell..

Any comment?

Your account number is your IC number. You need to request for the PIN number to access the efes website to see the statement.

You hutang lama-lama mah interests pile up loh.

No.... I ask before i paid lumsum... They check... No interest at all... They also gave me the statement..

Oh ya, its considered im still paying ryte? Even i stop for a while year back...
Am i been blacklisted?

Check it last month at imigresen, im clean... Ptptn how to check arr? Forgot dee...

Even 6 months after your graduate, you do not need to pay and you can withhold payment IF you do not have a job yet.

You will have to write in for permission.
Or else they will charge you interest.

the interest starts the day the inform us to pay back is it?