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 Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN

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mouldybread
post Oct 30 2008, 03:35 PM

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QUOTE(latte @ Oct 30 2008, 09:38 AM)
Hi all, can I repay my loan using my EPF account II money?
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try this

http://www.kwsp.gov.my/index.php?ch=p2memb...wdrawtype&ac=47

hope it helps
joenjill
post Oct 30 2008, 03:38 PM

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QUOTE(mouldybread @ Oct 30 2008, 03:17 PM)
question

does this ptptn loan count towards/against other loan (housing n car) ?

example ptptn loan payment per month is 300
want to buy house monthly installment is 900
salary is 3k(assume)
bank can consider your monthly max repayment is 3k/3 = 1k/month

but have to pay 1.2k monthly if pay 4 housing n ptptn so bank approve?
another question

if u delay/reduce in payment to ptptn, does it count towards the credit agency/ctos bad records when u want to apply 4 credit cards and/or housing/car loans?
Thanks in advance
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i dun think the ptptn record with connect also with private credit records. so far we know that most of the students didn't pay back the ptptn but still own a big house or big car in loan payments. ptptn records only will take action by gov. Beside that, as i know they planning in deduct from the epf account automatically?
vixxiee
post Oct 30 2008, 04:23 PM

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QUOTE(joenjill @ Oct 30 2008, 03:24 PM)
how you all pay back the ptptn loan? via bank? as i know they will charge some processing fees. Any1 know where we pay back without processing fees.
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im using cimb..yup they will charge rm2...how about straight go to ptptn counter like at the kl central..can pay there also
latte
post Oct 31 2008, 11:40 AM

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So is there anyone here is using EPF Account II to pay for the loan after finish his/her study?
PleaseEnterYourName
post Oct 31 2008, 12:04 PM

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using maybank2u only charge rm0.50, cheaper.


SUSDavid83
post Nov 25 2008, 08:52 PM

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Caj 1% PTPTN mulai Jan, bukan 1 Jun

Caj satu peratus terhadap peminjam Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) mula dilaksanakana pada 1 Jan tahun depan dan bukan 1 Jun tahun ini seperti yang diumumkan sebelumnya.

Menteri Pengajian Tinggi Datuk Seri Khaled Nordin berkata tarikh penguatkuasaan itu ditunda kerana beberapa perkara yang perlu diteliti dan diselesaikan oleh perbadanan itu termasuk proses dokumentasi.

"Kita telah menyatakan ia (caj) bermula 1 Jun tahun ini tetapi memandangkan ada beberapa perkara yang perlu diteliti dari segi dokumentasi, penerimaan dan sebagainya, maka pelaksanaan itu ialah pada 1 Jan depan," katanya, lapor Bernama.

Ogos lepas, kerajaan mengumumkan pengurangan caj PTPTN kepada satu peratus bagi semua pelajar universiti berkuatkuasa Jun tahun ini.

Sebelum ini, caj perkhidmatan PTPTN yang dikenakan terhadap penuntut peringkat siswazah ialah sebanyak tiga peratus, manakala pasca siswazah pula lima peratus.

Khaled memaklumkan demikian selepas menyaksikan majlis menandatangani perjanjian antara PTPTN dan Maybank sebagai ejen Skim Simpanan Pendidikan Nasional (SSPN) hari ini.

Perjanjian itu membolehkan pemegang akaun Maybank menabung ke dalam PTPTN melalui lima saluran perbankan Maybank iaitu mesin ATM, mesin deposit tunai, Maybank2u.com, perbankan telefon Kawanku dan perkhidmatan kaunter.

URL: http://www.malaysiakini.com/news/93724
socratesman
post Nov 25 2008, 09:18 PM

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QUOTE(David83 @ Nov 25 2008, 08:52 PM)
Caj 1% PTPTN mulai Jan, bukan 1 Jun
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So this applies to students currently studying? What about those who graduated years ago & are still paying back the loan?
SUSDavid83
post Nov 25 2008, 09:23 PM

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QUOTE(socratesman @ Nov 25 2008, 09:18 PM)
So this applies to students currently studying? What about those who graduated years ago & are still paying back the loan?
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Originally it stated that it'll affect all but now, I'm not sure.


rockstar teddy
post Dec 6 2008, 10:28 AM

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guys..the1% is justa cover
there is freaking BIG amount in the admin charges..look at your statements!!
1year admin charges i can get up to RM700!!!
roy918
post Dec 6 2008, 08:17 PM

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QUOTE(rockstar teddy @ Dec 6 2008, 10:28 AM)
guys..the1% is justa cover
there is freaking BIG amount in the admin charges..look at your statements!!
1year admin charges i can get up to RM700!!!
*
Read up ptptn website for more info doh.gif doh.gif

» Click to show Spoiler - click again to hide... «


This post has been edited by roy918: Dec 6 2008, 08:18 PM
gstrapinuse
post Dec 7 2008, 02:28 PM

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I just paid RM900++ last month inclusive of the admin charge..graduated last yr OCT
untouchable
post Dec 7 2008, 10:45 PM

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i have a question

when do ptptn start charging???

right after graduation or right after convo??

cuz i have a 6 months gap before my convo
aoisky
post Dec 8 2008, 12:31 AM

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QUOTE(untouchable @ Dec 7 2008, 10:45 PM)
i have a question

when do ptptn start charging???

right after graduation or right after convo??

cuz i have a 6 months gap before my convo
*
right after ur graduation. if ur final 3/4 month is praktikum then after ur praktikum done lo.
dont worry la next year baru start pay ma the gov based loan shark reduce the charge to 1%.

untouchable
post Dec 8 2008, 12:36 AM

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huh sure anot me also 1%

i took my loan 3 years ago ( january 2006)

that time belum announce 1%
aoisky
post Dec 8 2008, 12:52 AM

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ya la. but according to PTPTipula,
u noe la "malaysia boleh! harga berubah pun boleh!" last time mention this yr now said next jan 09. even petro price oso naik turun. this is m'sia lo semua boleh policy.

go here check if u oredy kena charge o not online
http://epay.ptptn.gov.my/loan/ptptnlogin.jsp
roy918
post Dec 8 2008, 06:09 PM

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QUOTE(untouchable @ Dec 7 2008, 10:45 PM)
i have a question

when do ptptn start charging???

right after graduation or right after convo??

cuz i have a 6 months gap before my convo
*
The interest start charging 6 months after your graduation (last day in U) and not 6 months after your convo.

QUOTE(untouchable @ Dec 8 2008, 12:36 AM)
huh sure anot me also 1%

i took my loan 3 years ago ( january 2006)

that time belum announce 1%
*
You have to apply early next year to get 1%.
The 1% interest is flat rate and it is different from what 3% do now (reducing balance).

QUOTE(aoisky @ Dec 8 2008, 12:52 AM)
ya la. but according to PTPTipula,
u noe la "malaysia boleh! harga berubah pun boleh!" last time mention this yr now said next jan 09. even petro price oso naik turun. this is m'sia lo semua boleh policy.

go here check if u oredy kena charge o not online
http://epay.ptptn.gov.my/loan/ptptnlogin.jsp
*
Refer my previous post or there is some problem for some people to understand malay? rclxub.gif rclxub.gif
Do not blindly blame on others. It is YOU that do not read properly.

Read up ptptn website for more info doh.gif doh.gif

QUOTE(LAMPIRAN A)
Lampiran A
1. Tarikh Pelaksanaan

1.1
Fasa 2 - dokumen tawaran untuk mengubah kaedah pinjaman sedia ada kepada kaedah baru akan diedarkan secara berperingkat kepada peminjam sedia ada mulai awal tahun 2009. Mereka akan diberikan tempoh selama 1 bulan daripada tarikh surat tawaran untuk melengkapkan dokumen perjanjian serta memulangkan kepada PTPTN. Upah yang telah dikenakan untul tempoh 1 Jun 2008 sehingga perjanjian pembiayaan di bawah kaedah baru disempurnakan adalah berasaskan kaedah sedia ada dan akan dilaraskan setelah peminjam melengkapkan dokumen perjanjian berasaskan kaedah baru pada awal tahun 2009


This post has been edited by roy918: Dec 8 2008, 06:14 PM
untouchable
post Dec 8 2008, 07:56 PM

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okok so if im correct my last class was in november2008

i can safely assume that the earliest i will have to start repayment is on april/june 2009

so when shud i apply to reduce to 1%???? early january 2009 or april/june 2009
aoisky
post Dec 8 2008, 08:16 PM

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QUOTE(roy918 @ Dec 8 2008, 06:09 PM)
The interest start charging 6 months after your graduation (last day in U) and not 6 months after your convo.
You have to apply early next year to get 1%.
The 1% interest is flat rate and it is different from what 3% do now (reducing balance).
Refer my previous post or there is some problem for some people to understand malay? rclxub.gif  rclxub.gif
Do not blindly blame on others. It is YOU that do not read properly.

Read up ptptn website for more info  doh.gif  doh.gif

QUOTE(LAMPIRAN A)
Lampiran A
1. Tarikh Pelaksanaan

1.1
Fasa 2 - dokumen tawaran untuk mengubah kaedah pinjaman sedia ada kepada kaedah baru akan diedarkan secara berperingkat kepada peminjam sedia ada mulai awal tahun 2009. Mereka akan diberikan tempoh selama 1 bulan daripada tarikh surat tawaran untuk melengkapkan dokumen perjanjian serta memulangkan kepada PTPTN. Upah yang telah dikenakan untul tempoh 1 Jun 2008 sehingga perjanjian pembiayaan di bawah kaedah baru disempurnakan adalah berasaskan kaedah sedia ada dan akan dilaraskan setelah peminjam melengkapkan dokumen perjanjian berasaskan kaedah baru pada awal tahun 2009

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what the ....? who blame who.
read what la they can simply change what ever charges, what u r PTPTN staff r ? who k....la
eviljonz
post Dec 8 2008, 08:22 PM

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i tot got agreement how can simply change?
CrOmer
post Dec 8 2008, 08:43 PM

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QUOTE(PleaseEnterYourName @ Oct 31 2008, 12:04 PM)
using maybank2u only charge rm0.50, cheaper.
*
are u sure?if im not mistaken, they charge RM1.00 for each transaction

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