http://www.ptptn.gov.my/docs/maklumat%20pinjaman%20PTPTN.pdf

u owe me teh tarik

duno. sendiri calculate....

I'm not going to hold my breath waiting for them to win lo.

In any case I have recalculated my PTPTN loan and decided to stop paying the usual amount I am paying now. I will pay only the bare minimum to cover the interest. And just before end Sept 2013 will settle the whole thing one go to take advantage of the 20%....

if u pay a few times in a year before sept 2013. only the last payment gets 20% discount.

(keep in mind mine is still at 3% interest) Because the reason above i say make bare minimum payment and pay one lump sump before sept 2013. so let say my loan is 22k and i pay 600/month now. 8 months from now 600x8=4800. My total amount discount is 22k-4.8k=17.2k.

17.2k*0.2=3440 discount.

Now let say i pay 100/month

100x8=800
22k-800=21.2k (see this larger amount)
21.2k x 0.2 = 4240 discount

So from above you can see if you pay less per month and keep a larger amount to settle at the end. The more discount u will have.

The bare minimum payment just to make sure i not kena black listed.

if you have converted to 1% i not really sure how the rebate works. because when u convert to 1% they pre-calculated the interest base on the payback time. It becomes something like a hire purchase loan d (your car loan). so let say during convert u owe 48k + 1%p.a for 15 years = 55.2k(example). so does it count the 48k u owe or the 55k which is plus interest. This part I am not so sure about. U have to go read the T&C

This post has been edited by WhitE LighteR: Dec 13 2012, 04:08 PM

U save 4k from monthly repayment is not for u to spend one. Is to keep for that final settlement. U will end up paying the same total but with more discount.

no

its already in. my latest CCRIS report shows back record going back since December for PTPTN payment record.

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

This post has been edited by WhitE LighteR: Mar 9 2017, 06:07 PM

??

i say la obviously. i just did the test myself and perform the payment. i not spread kopitiam talk....

yes i know. So I can only pay in increment of what is stated there.

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.

This post has been edited by WhitE LighteR: Mar 9 2017, 06:52 PM

Ya. Luckily its captured and reflected immediately. Unlike some system like UOBpayonline. Need to wait 1-2 days only appear.

got requirement to pay off the insurance on time one meh?

Correct

I think 12 month to be more precise...

Housing loan base on ccris n CTOS report. Check those reports on your own n make sure all clear before applying loan.

So far doesn't seems to be effected

I know right!!

Damn hate sign things, as I am one of those people always have mismatch signature issue due to my signature always cacat n different each time. So modern liao I don't understand why just can't biometric everything.

U can pay earlier too to be safe. No harm.

Penangguhan Bayaran Balik Pinjaman PTPTN (PKP 3.0)

https://www.ptptn.gov.my/makluman-bayaran-b...n-ptptn-pkp-3-0