Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN
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 Jan 19 2008, 04:37 PM
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#1
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya    
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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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Feb 5 2008, 06:54 PM
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#2
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya
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last time when i want to borrow money from ptptn
they never mention about admin fees until i got letter 2 months ago i borrow the loan about RM31k then need to pay them about RM40k super real expensive that mean RM9k just for service charge they should mention it earlier This post has been edited by POYOZER: Feb 5 2008, 06:58 PM |
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Jan 8 2009, 12:06 AM
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#3
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya
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i every month pay rm100
but the balance that i need to settle up increase month by month it's like no different i only borrow from them about RM31700 but now the current balance is RM32221 every month pay RM100 like doesn't give any effect to reduce the balance  |
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Jan 8 2009, 02:28 PM
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#4
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya
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QUOTE(work_tgr @ Jan 8 2009, 07:25 AM) It's because of the loan interest. If you don't pay the interest, you will find out the balance is much than 32221 ! When you decided to pay, make sure you pay exactly as what is agreed in the contract or a little bit more.  QUOTE(jasontoh @ Jan 8 2009, 09:05 AM) Pay more than the principle amount that you requires to in order to reduce the total loan. i don't have extra money to pay more QUOTE(clsiluf @ Jan 8 2009, 09:32 AM) do you follow the monthly amount that you suppose to pay in the contract ? in contract for 1st yearexample, my loan is 21k and i need to pay RM153++ a month for the next 15 years ... this calculation is from 4% ... i guess your monthly is not RM100, hence you owe them and the interest keep growing ... what i can say is the world always not fair  i need to pay less than RM100 if im not mistaken..i need to pay about RM80 but i pay RM100 still not enough ka? |
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Dec 3 2009, 01:38 AM
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#5
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya
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After I paid big bucks on last month, I realize the service charge had dropped about less than RM5. I was wondering, is this the 1% thing?
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Dec 3 2009, 10:26 AM
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#6
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Senior Member
3,653 posts Joined: Jan 2003 From: London, Hong Kong, Subang Jaya & Cyberjaya
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QUOTE(clsia1001 @ Dec 3 2009, 06:53 AM) How much u paid? If u paid lump sum of 10-20k sure there is drop.. I get this message  U can check here thou -> http://eform.ptptn.gov.my:8080/semakujrah/login-page.cfm  HARAP MAAF Dimaklumkan anda tidak ditawarkan pembiayaan pendidikan PTPTN berasaskan kaedah Ujrah bagi menggantikan pinjaman pendidikan sedia ada untuk kelompok ini. Pertukaran ini akan dilakukan secara berperingkat dan sebarang maklumat terkini berhubung pertukaran ini akan dimaklumkan melalui sistem pesanan ringkas (SMS). |
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