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Basically one of my client meet the requirement to apply mortgage loan, the only major change happened this year is PTPTN credit history.

If he go to PTPTN office to restructure his loan and start to repay the installment based on new installment rate offered by PTPTN, the bank will still consider to approve his loan? or still will still have negative impacts on this credit rating which may lead to loan reject too. 

Welcome to share yr experience. Many thanks.

Kate chew small

Yup, it was only recently that PTPTN will be taken into account and affect your CCRIS. I think it will only be cleared from CCRIS when everything is cleared and it will take several months from then. Whether banks will still consider or not, is not just based on PTPTN, it's based on several criteria. So, have to see his overall scoring, not just this point. 

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People should be more responsible. If u take the loan, u have to make sure u pay back. 

In cases that the family u can afford it, don't take the loan, leave it to others who really need the loan. I know of many rich family children are applying for this PTPTN loan.... i don't know how they can get their application approved. When they get the money, they go and buy new phones, new clothing/shoes etc. So sad!

M  f1c40f small

When a student has taken a loan from PTPTN, he or she should be responsible for the payment rather than running away from their responsibilities.


 

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Sure, they must pay, no excuse.

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Now PTPTN offer discount, as announce in Budget 2017. More will repay I believe. Or are they waiting even more discount?

15 per cent discount on the outstanding debt for full settlement, 10 per cent discount for payment of at least 50 per cent of the outstanding debt made in a single payment, and 10 per cent discount for repayment through salary deduction or direct debit in accordance with the repayment schedule.

The incentives is effective October 22, 2016 until December 2017


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Good for people who have cash on hands to pay back immediately.

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Best is still study hard and graduate with first class honors... automatically convert to scholarship and no need pay back

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I can let you know how ptptn affects a loan and no it's definitely possible to take a loan while still in ptptn debt. You may contact me to know further, 0189772994

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I can let you know how ptptn affects a loan and no it's definitely possible to take a loan while still in ptptn debt. You may contact me to know further, 0189772994

12002250 10153320042003863 1602531096654926305 n small

I can let you know how ptptn affects a loan and no it's definitely possible to take a loan while still in ptptn debt. You may contact me to know further, 0189772994

12002250 10153320042003863 1602531096654926305 n small

I can let you know how ptptn affects a loan and no it's definitely possible to take a loan while still in ptptn debt. You may contact me to know further, 0189772994

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Not all the 1st class will get the waiver of loan, still need to pay back.

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