i went there last week to start paying my ptptn, never received any mail from them that instruct me to pay. So yeah, when i reach at KL Sentral, d staff told me i should received my mail like back in march where i should start paying. anyway, i think this what ptptn need to improve on, maybe using mail and email to instruct borrower to stay payment.

Anyway, my loan is 32k and i still stick to 3%. they hand out to me d list of payment:

Loan:31.5k, administrative cost:8,600 (this is quite surprising, but since i promised to pay their loan i will go ahead), and total i need to payback is 40k (more or less).

From March 2011-Feb 2012: Ansuran bulanan is RM78
From March 2012-Feb 2013: Ansuran bulanan is RM99
From March 2013-Feb 2014: Ansuran bulanan is RM127
From March 2014-Feb 2015: Ansuran bulanan is RM161
From March 2015-Feb 2016: Ansuran bulanan is RM207
From March 2016-Feb 2026: Ansuran bulanan is RM267

Just to share my monthly payment as reference for your guys. and i think its not bad for d first 4 years d payment is relative cheap. Around 100 only..so there is no reason why we cant pay to PTPTN right?

u borrow u pay.

cheers

if i sign the 1% conversion and approved by PTPTN, but i did not allow monthly deduction because i signed tidak bekerja, will they penalize me if i did not pay every month, but quarterly?