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 What is the safest method of paying back PTPTN?

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TSgoolie
post Feb 19 2008, 10:04 AM

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QUOTE(invisible_wings @ Feb 17 2008, 05:23 PM)
I opened a Basic Savings Account in Public Bank last year.

Then I pay for PTPTN through PBB online banking WITHOUT SERVICE CHARGE since then.  rclxm9.gif

I guess other types of savings account of PBB do have service charge of RM0.50 for paying PTPTN through online banking.

So far, I'm paying every 3 months in advance (each time before mid of the month coz they usually charge the admin fee on 16th or 17th of each month) to save for the PTPTN admin charges.

Hope this can help u to reduce ur extra charges.  smile.gif

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is it possible or not?? make payment b4 16th to avoid admin charges?? or mayb they will charge it without immediately??

what u meant by basic saving account??i thnk normal ppl will open their saving account then would be considered as basic saving??

invisible_wings
post Feb 19 2008, 09:38 PM

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QUOTE(goolie @ Feb 19 2008, 10:04 AM)
is it possible or not?? make payment b4 16th to avoid admin charges?? or mayb they will charge it without immediately??

what u meant by basic saving account??i thnk normal ppl will open their saving account then would be considered as basic saving??
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goolie, what I meant was they usually charge the admin fees on 16th or 17th of each month on top of your total remaining debt (you can observe this from your PTPTN statement). So, if you pay earlier than 16th, you still need to pay the admin fees, but it is a bit less compared to if you pay after they charged you on 16th of the month. Well, I know it is very small difference but I'm very particular about it. tongue.gif

PBB has several types of savings accounts:

1) WISE Savings Account
2) PLUS Savings Account
3) 50 Plus Savings Account
4) PB SaveLink Account
5) Basic Savings Account

I'm using the last one (Basic Savings Account) for paying PTPTN without service charge. You may refer to PBB website for more information. smile.gif


TSgoolie
post Feb 19 2008, 09:50 PM

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oic..the i oso use same method as u but why only kena rm0.50 charges??

i kena rm1 charges for every transaction that i have made online..
invisible_wings
post Feb 20 2008, 11:34 PM

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QUOTE(goolie @ Feb 19 2008, 09:50 PM)
oic..the i oso use same method as u but why only kena rm0.50 charges??

i kena rm1 charges for every transaction that i have made online..
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It's because we opened different type of savings account. Basic Savings Account can enjoy RM0.50/ online transaction for first 2 online transaction in a month. However, I'm paying PTPTN under Bill Payment. smile.gif
TSgoolie
post Feb 22 2008, 09:43 AM

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oo..there still got diffrent types of saving account one...i thnk i should do sth to switch it to "Basic Saving Account"..is it possible?
vamsufer
post Feb 22 2008, 01:43 PM

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borrow topic awhile..

how much monthly need to pay if i taking 30k loan?
kurtkob78
post Feb 22 2008, 10:30 PM

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what, basic saving account only can pay without charge at all. that's nice. how to know my account is basic or not ? and if u pay with no charge, will PTPTN update immediately ?
invisible_wings
post Feb 23 2008, 12:24 AM

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QUOTE(goolie @ Feb 22 2008, 09:43 AM)
oo..there still got diffrent types of saving account one...i thnk i should do sth to switch it to "Basic Saving Account"..is it possible?
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I don't think you are able to switch account unless u close your current one and open a new one.

FYI, for PBB, each person can only open an account for each type of savings account at each branch.

QUOTE(vamsufer @ Feb 22 2008, 01:43 PM)
borrow topic awhile..

how much monthly need to pay if i taking 30k loan?
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They should have sent you a table consisting the amount you need to pay for each month as well as the duration of pay back, after your last semester.

You should have been aware of the duration to pay back for the loan when u signed the agreement.

You may use the calculator on the PTPTN website to calculate the total amount you need to pay back each month based on your pay back duration. smile.gif

QUOTE(kurtkob78 @ Feb 22 2008, 10:30 PM)
what, basic saving account only can pay without charge at all. that's nice. how to know my account is basic or not ? and if u pay with no charge, will PTPTN update immediately ?
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So far, I only discover Basic Savings Account can pay PTPTN without service charge. Shared with my friends and they did the same.

Check your account book. Your account type is stated there. As usual, I paid with pbe this month. I checked the PTPTN website the next day and my PTPTN statement was updated! thumbup.gif Last time, it took one week to update.

This post has been edited by invisible_wings: Feb 23 2008, 12:27 AM
TSgoolie
post Feb 23 2008, 10:47 PM

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huh so fast update but normally will take 3 days to update1...

but have u faced the problem of not update ur account, then how should u do in that situation?
invisible_wings
post Feb 24 2008, 12:20 AM

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QUOTE(goolie @ Feb 23 2008, 10:47 PM)
huh so fast update but normally will take 3 days to update1...

but have u faced the problem of not update ur account, then how should u do in that situation?
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I started to pay back PTPTN since Jan 2006, all with online banking. So far, my PTPTN account always get updated within 1 week. So, to me, online banking is the easiest and trusted method. smile.gif

This post has been edited by invisible_wings: Feb 24 2008, 12:21 AM
rotloi
post Mar 27 2014, 04:11 PM

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use this method to pay PTPTN loan online >> http://www.unitedmy.com/2013/12/how-to-pay...via-online.html
Hapeng
post Mar 27 2014, 09:28 PM

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QUOTE(rotloi @ Mar 27 2014, 04:11 PM)
use this method to pay PTPTN loan online >> http://www.unitedmy.com/2013/12/how-to-pay...via-online.html
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this was a good 6 years ago lol.. how did u even find this
rotloi
post Mar 28 2014, 12:14 AM

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QUOTE(Hapeng @ Mar 27 2014, 09:28 PM)
this was a good 6 years ago lol.. how did u even find this
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Google search man.. it dig up 6 year thread for me..!!
jacey
post Mar 28 2014, 08:41 AM

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I always pay via their office counter in KL Sentral. No charges, and they aldo provide a receipt, secure enough, at least I'm keeping a proof of payment
Azurika
post Mar 28 2014, 09:01 AM

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Pay 1 shot , dont need to feel owing the government anything and save between 10-20%

But I do know some companies can assist to deduct your salary and pay directly to PTPTN.

 

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