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

huh sure anot me also 1%

i took my loan 3 years ago ( january 2006)

that time belum announce 1%

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

new question

which paying method shud i use??

the cost average wan? (1 monthly repayment rate the whole term)

or

the other wan wats it called? lol (1st few months pay lower then throughout the years the repayment rate increases)

anyone received their new agreement letter regarding the change to 1% aredi????

its gonna be end january soon

i think rite its up to u wan to pay back early or later...

think opportunity cost...

u dun pay back u got more money to use...
use money can be 2 ways of using...spend it for fun or invest...

if u invest MAYBE u untung...maybe u rugi...

if u pay now ur loan decrease...so its up to u

lol

no la u cannot suka suka pay back when u wan -.- not my father open wan...if my father open ptptn sure i give u that special offer edi...

i think under these circumstances only u can apply for delay

1. after 6 months still no job...write letter to them say u wanna extend
2. furthering ur studies i think still can as long its from a legit institution
--- eg. u jus completed diploma then u continue degree

others i dunno i only know this 2 can write letter for extention

they will charge 6 months after completed course

its clearly stated in ur agreement letter

and they even state can extend in newspapers and alot of other places...

i think everyone knows about this

lol but i dun think they will charge u right after u graduate -.- so many ppl nvr kena only u kena kinda weird lol

they said the 1% is begining 2009 (awal tahum 2009)

so we shud be expecting new offer letters soon...anyone received already?

i think shud be within the 1st 3 months (Q1) of 2009 rite...

u aredi sign agreement letter when u take loan at 3% so now this new agreement letter is for 1% ler

where can jus simply say change to 1% when in the agreement letter aredi is stated 3%....without this new agreement letter we rugi....cuz govt can turn back n show agreement letter which states 3% -.-

no not yet i also still waiting