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Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN
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snow_xueli
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Nov 30 2011, 05:04 PM
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Getting Started

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QUOTE(smwah @ Nov 30 2011, 02:13 AM) mmm, the 1% is base on fix period. 3% is not big, but if u dun repay interest will higher. By the time u pay, is only u paying the interest instead the principal. I think i will opt for standard 3%. I can choose pay quarterly in lum sum. At least it won't effect my cash flow. how much do u pay each time??
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smwah
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Nov 30 2011, 10:30 PM
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Glad to be Here
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I pay randomly. Just put money anytime. But problem is the interest. How they calculate the interest. But the 1% also subjective, bcoz they started to calculate from certain time, mine is from 2008.....
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SUSDavid83
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Dec 3 2011, 07:47 AM
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I feel like the Ujrah payment using FPX got some problem.
1. Using IE8, once click on Teruskan. Nothing pops up and proceed for payment.
2. Use Chrome, everything can go through until the CIMBClicks/M2U payment successful windows pops up, it gets stuck once click to Print. After printing completed, it won't go back to update the main page even though you clicked on Return.
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hyzam1212
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Dec 5 2011, 12:17 PM
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QUOTE(smwah @ Nov 30 2011, 10:30 PM) I pay randomly. Just put money anytime. But problem is the interest. How they calculate the interest. But the 1% also subjective, bcoz they started to calculate from certain time, mine is from 2008..... The old scheme is 3% of your monthly outstanding balance, I would think the ujrah is almost the same but the only difference is they take the outstanding balance from a certain month of 2008...better check if you dont want them to calculate wrongly
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SUSDavid83
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Dec 5 2011, 02:18 PM
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For Ujrah holders, do your latest statement got this entry: "BYR INS KEPADA SYKT"?
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SUSzhenye89
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Dec 5 2011, 03:55 PM
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New Member
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hello guys, just want to ask, can anyone tell me where to check (online or ptptn bangunan?) when to start pay back the loan? I just applied 1% last 2 month at ptptn bangunan and I didnt get any notice to start to pay the loan  (they even didnt tell the 1% succesfully applied or not,yet) Thanks in advance
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wu ming
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Dec 5 2011, 07:20 PM
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QUOTE(zhenye89 @ Dec 5 2011, 03:55 PM) hello guys, just want to ask, can anyone tell me where to check (online or ptptn bangunan?) when to start pay back the loan? I just applied 1% last 2 month at ptptn bangunan and I didnt get any notice to start to pay the loan  (they even didnt tell the 1% succesfully applied or not,yet) Thanks in advance Hi zhenye89. You can check your statement online via this website http://epay.ptptn.gov.my/loan/ptptnlogin.html . Insert your IC number without the "-" and you may request the pin (No Pinjaman) via calling the PTPTN hotline or SMS. It is adviseable to repay back once the interests is being charged because the longer you do not pay, the interets will keep piling up. Hope this helps. This post has been edited by wu ming: Dec 5 2011, 07:21 PM
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LOGIN
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Dec 5 2011, 10:03 PM
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New Member
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Yo!
lets say, if i don't want to pay my PTPTN loan ... what the worst can happen to me huh??
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hyzam1212
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Dec 6 2011, 09:40 AM
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That sum up the current situation yo...the oversea thing is the most problematic of all to say at least nowadays, come on, at least pay la...pay something and dont pay anything for few years is oso ok...it can save you a lot of trouble
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ooorait
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Dec 6 2011, 09:57 AM
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QUOTE(LOGIN @ Dec 5 2011, 10:03 PM) Yo! lets say, if i don't want to pay my PTPTN loan ... what the worst can happen to me huh?? adoi.. just pay at least 100 evry 3 months..
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hyzam1212
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Dec 6 2011, 10:00 AM
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I dont know why so hard to pay one, you borrow, you pay...you cant get it out from your life what...it will still haunt you in the end unless you settle
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LOGIN
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Dec 6 2011, 09:17 PM
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New Member
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Just wondering only. you know, worst case scenario, what would happen if... Thanks to u guys, now i know.
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solsekuin44
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Dec 7 2011, 10:22 PM
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QUOTE(wu ming @ Dec 5 2011, 07:20 PM) Hi zhenye89. You can check your statement online via this website http://epay.ptptn.gov.my/loan/ptptnlogin.html .Insert your IC number without the "-" and you may request the pin (No Pinjaman) via calling the PTPTN hotline or SMS. It is adviseable to repay back once the interests is being charged because the longer you do not pay, the interets will keep piling up. Hope this helps. Thanks for this link man.. I got all my loan statements already, tried this morning. The site crashed? So, to pay the loan, can just use CIMB Clicks or M2U right? As long as we have the Nombor Pinjaman?
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wu ming
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Dec 7 2011, 10:27 PM
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QUOTE(solsekuin44 @ Dec 7 2011, 10:22 PM) Thanks for this link man.. I got all my loan statements already, tried this morning. The site crashed? So, to pay the loan, can just use CIMB Clicks or M2U right? As long as we have the Nombor Pinjaman?  Hi. What do you mean by the site crashed? Just tried it and it is working fine. Yes. You may use any online banking site to pay for it. For online banking most importantly is to pay to your IC number. The nombor pinjaman they will use it as a reference. Once you pay via online banking site, it will take around 1-2weeks to be updated on the e-fes website. Cheers.
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solsekuin44
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Dec 7 2011, 10:28 PM
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What is Bayaran 11 and Bayaran 31 on eFES page means?
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SUSceo684
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Dec 7 2011, 10:31 PM
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Mine only has Pinjaman 11 (and jumlah besar) for FPX at EFES?
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solsekuin44
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Dec 7 2011, 10:32 PM
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I can't view my statements this morning,now is ok ^^ (something about apache-tomcat error?) I saved all statements.
Only now feel like being a responsible loanee.
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SUSDavid83
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Dec 7 2011, 10:34 PM
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Peminjam yang disenarai-hitamkan saman PTPTNURL: http://malaysiakini.com/news/183424
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solsekuin44
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Dec 7 2011, 11:54 PM
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How much CIMB charge for the transaction? Somehow I feel not comfortable paying through eFES, the reliability of that website is like Scared. Haha.
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wu ming
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Dec 7 2011, 11:57 PM
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QUOTE(solsekuin44 @ Dec 7 2011, 11:54 PM) How much CIMB charge for the transaction? Somehow I feel not comfortable paying through eFES, the reliability of that website is like Scared. Haha. Only RM0.50 or 50sen for each transaction.
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