omfg ... i loan RM 49500 .. my interest rate is 1% (no longer 3% according to new agreement)

so if i pay back 10k when i graduate ..

i still owe RM39500 ... 39500x0.01 = RM395 per year
RM395 / 12 = RM32.9 as interest rite ?

I just started to pay but not everymonth. Usually I keep 6 months then pay 1 shot
Let's say schedule say I need pay 200 permonth.
I wait till sept 2012 1 shot pay 2400. Am I entitile with 10%?
or must everymonth pay zzz

But ptptn website can download the discount FAQ
Inside macam say as long say in 1 year payment got equal or exceed the goal set by schedule can liao wor

in my opinion take 1% better and just drag 18-20 years ...
if 3% reducing rate, only beneficial if one gonna make a lump sum payment ..
based on 50k calculation, interest break even on year 4 or 5.
1% not worth it, keep money in FD also busuk busuk 3%.. slowly pay..

I also made payment using amex on 25th March.
This afternoon I check it says got tunggakan for last month. All this while I don't have tunggakan so I called ptptn.
The guy say since I used amex for last month the statement will reflect tomorrow. I'll check tomorrow.

Then he told me for amex make sure pay before 27th of the month or the payment will consider next month. Since for March I paid on 25th which is before 27th, I wondering will my ccris affected.

anyone know when or which week will ptptn sent the info to CCRIS ?
lets say i paid on 25th march , when will PTPTN update CCRIS system that it had been paid ?

hi fruitie, how to complain to Bank Negara if PTPTN updated the CCRIS wrongly.
All this while i dont have any tunggakan and all show '0'.
March payment i did using amex on 25th March. Its successfull and updated in penyata PTPTN online.
Today i went to bank negara and print my CCRIS, it shows tunggakan '1' on PTPTN for march.
i already sense something wrong when PTPTN website show there;s tunggakan for previous month(which is March).
but penyata in detail i paid on 25th March.. how to settle this ? i dont wanna CCRIS show 1 when i did nothing wrong.
Any helps ?

problem arise once i paid with amex
those who paid with amex better check with CCRIS .. see ur report.. in PTPTN statement it will show nicely on date paid .
but at CCRIS side its flagged as non payment

This post has been edited by sheahann: Apr 19 2017, 02:58 PM

i just called PTPTN HQ, they said march system issue. They will do pelarasan to CCRIS next coming CCRIS update.. duno got tipu me o not.
and my statement now show like this :
01/03/2017 1130 UJRAH 40.58
01/04/2017 1130 UJRAH 40.58
17/04/2017 1128 KTP ML PTPTN 279.42
17/04/2017 1148 KTP UJRAH ML PTPTN 40.58
25/03/2017 1148 KTP UJRAH ML PTPTN 52.36
25/03/2017 1128 KTP ML PTPTN 267.64

notice that march payment is on bottom..
anyone tat paid march and april, can you guys check ur statement see if the march payment is on bottom?

i can access wor.. hmmm

haiz... then mine really got issue .. or easy to say those who paid 25th onwards might have issue ...

hi david, i think u have same issue as mine .. can u check ur penyata terperinci and see if ur march payment is on the bottom ?
i did my payment on 25th march also using amex. now BNM CCRIS flagged me as late payment

My March 25 payment using AMEX until now system cannot update. Makes my CCRIS flagged as '1' since March .. walao eh ...notice my march payment is still at the bottom..

there must be someone else kena but dont realize about this.. I went to BNM on APril and indeed suddenly March flagged as '1'.

All this while is '0'. Everymonth paid on 25th never miss ..

March 1 Feb 0 Jan 0 Dec 0 Nov 0 Oct 0 Sept 0 Aug 0.....


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Bare in mind if next year Budget does not give 10% discount for direct debit anymore.. You'll be stuck with direct debit without any benefit.

hi david, i believe u have same issue as mine ... any updates ?

Lol Bank Negara become charity ?