The illustration didnt factor in what Hongz mentioned, if you pay off the principal earlier, ujrah for the reamining tenure is waived

Not to mention the discount

you need to observe your "penyata" but the point behind all these isn't about that small bit of interest charge but its about how to utilize your money on the side of paying full /paying more/paying promptly

of course , you need to calculate
1)if you use that lump sum of money to do investment, does it actually capable to earn more than [interest + 15% rebate]? if yes then good but my calculation told me its not
2)if you pay more and no rebates [only 10% monthly for now until end of 2017], is it really save your money? how much compare to if you use the extra to do investment?
3)if you pay only sufficient amount per month, then you have plenty of choices to make if you have additional money 

so it depends on how you going to use your money into a more effective way because no matter what you still need to submit that amount of money

skylee18 was calculated it right, his example is exactly my case. when i pay 183.33, ptptn deduct 16.67 as ujrah, but when i pay 550, it deduct 50.01 as ujrah. You can check the screenshot of my statement

and for your case, maybe you need to ask ptptn directly

Point is you will eventually pay the ujrah throughout the tenure even if you decide to pay earlier or in advance just like HP.

That's why is better to pay according to schedule, extra money goes into investment, even just mutual funds, with roughly 6-8% conservative, you will still earn far more than you pay off early. (if you plan and manage it right)

Of course, depends on the credit card promo for government service, but normally your monthly payment will exceed the cash back limit you can gain (e.g. public bank debit card promo and last time ocbc promo)

Can pay using epf fund as well if not mistaken

Cimb cashback has max limit 30? So not much of a use then?

I was thinking to apply a cimb or maybank cc if it's useful gor my ptptpn full repayment (13k)

Where got know the cap is so low rm30 la haha. Then i no need to use cc for ptptn la

yupe.. a figure of 24 means a person have outstanding for 24 months.. my friend just checked and his statement shows 9 which means he already had outstanding for 9 months..  

I know mine is already screwed!

I believe not. And no, I didn't pay back the missed ones.

So far I have not been barred from exiting Malaysia but I think this might change very quickly
Ah ok ok....so those small payments does not count.

Because of reasons, I was thinking of paying RM1k per month  until the tunggakan finished. But I am still at risk of immigration and credit issue right?

wanna try paying through cc, i went go main page>clicked mastercard logo>semakan pinjaman>login>clicked on senarai pendaftaran for Butiran Maklumat Pembiayaan...

then saw "Maklumat yang telah disahkan tidak boleh dikemaskini"
and i couldnt find any options to pay... help?

I wanna know, issit true what the ptptn officer told me that I have to pay 30% of my total late payment only can start paying my monthly installment ?

oh yes, paid di.. its just at the 'PENYATA BAKI' tab, then bayar button below, and choose cc from there. sorry, not used to this new interface.. last payment is mid last year. haha. so... gotta strategize CB game. 

I looked through my penyata baki terperinci and I noticed something... I usually pay via counter and it seems my interest wasn't deducted. Last month I paid via online portal and my interest was deducted. Since the interest wasn't accumulated, I supposed nothing amiss here?


*highlighted in yellow = payment via counter
*highlighted in green = payment via online

I'm wondering why there're two descriptions for repayment:

1128 KTP ML PTPTN   
1148 KTP UJRAH ML PTPTN

And the amount cannot be altered after you keyed in the large sum that you wanted to pay for.

How much to go into 1128 and 1148?

the ptptn portal is abit weird. If I dont accept the exact amount shown there, let say I want to pay more then the stated amount. When I click "Bayar" I get signature error like this :

{"response":"Signature tidak sah untuk uuid: 23903714-dec3-4168-8995-282fd01ac225","result":"failure"}

I cant even pay 1 cent more. Not allowed.
But I can adjust to pay less

Yes. It is auto adjusted by itself after you keyed in the big amount that you want to pay at the Penyata Baki page.
Once you arrived at the second page after clicking on the Bayar button, you can't change anything on the 1128 and 1148.

Sorry, I misread. You can pay less but not pay more.
To pay, repeat the step.
There's no 53 cents charges if you pay using CC.

i not sure what u mean pay another round of ujrah...

i am still under conventional loan. the payment process seems like still buggy. after the payment done and i get the receipt. i click the back button (not the browser back buttone) and get an apache page error.