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Published by Afterschool.my on May 06, 2020, 01:00 pm
Image via US DOE
Here are things you need to know about repaying PTPTN for the study opportunity:
Image via John Walker - Flickr
Do start paying off the instalments for the PTPTN loan 12 months after your graduation date.
Especially for the recipients who accepted the ujrah conversion, your repayment period will be set in accordance to your loan balance.
You will be paying for the total amount disbursed by PTPTN, including other costs such as fees, insurance coverage, Duty Stamp and miscellaneous payments as stated in the Letter of Offer.
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You may request to postpone paying back your PTPTN loan if you fall under one of these categories:
Recipients who are not included in the above categories, will not be considered for deferment.
A fee will be imposed for the duration of the deferment; the period of postponement will be determined by PTPTN and will only be considered after Ujrah conversion.
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You can get the official letter or deferment application form which may be obtained through the PTPTN official portal or here.
The required documents are as follows:
(i) The recent letter of offer from a tertiary institution stating the actual completion date of study; or
(ii) Letter of unemployment verified by an authorized Officer as determined by PTPTN or surat akuan tidak bekerja
(ii) Recent EPF statement; or verification Letter from EPF confirming the recipient has yet to make any contributions.
a) The required documents for recipient who are still studying are items (i).
b) The required documents for recipient who are still out of work are items (ii) until (iii).
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YES but only if you complete your Degree with First Class Honours and your family household income is in the B40 or M40 group. This mean you will be exempted from paying back your PTPTN loan, which means you essentially received a full scholarship!
Do note however that First Class Honours may differ from university to university, so make sure you check with your counsellors so that you know what to aim for. Generally, however, First Class Honours typically requires you to have at least CGPA of 3.67/4.00, or higher.
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The interest rate is 1.00% per annum and is in effect following the 6 month grace period immediately after graduation. However, those who settle the loan in full prior to this 6 month grace period will not be charged any administrative cost.
PTPTN applies penalties to borrowers who fail to repay their loan on time.
Delinquent borrowers will be given up to 3 reminders and afterwards PTPTN will blacklist these delinquent borrowers. The blacklisted people will be prohibited from going abroad, and not be permitted to renew your passport.
Borrowers who have failed, discontinued, changed course or obtained other sponsors have to pay off the lump-sum amount of their loan. Installment method will not be offered for this kind of case.
PTPTN has provided an online calculator complete with interest and service fees included in the formula to help you figure this out.
Ujrah loan calculator is for loans converted to an Ujrah repayment system with only 1% service fee included.
For more information on everything PTPTN, just check out the links below:
PTPTN Guide 2020
PTPTN Loan - A Complete Guide
PPBU vs PTPTN : Which One is Better?
Foundation Programmes in IPTS Eligible for PTPTN Loan
Twinning Programmes and PTPTN
When Do I Apply for PTPTN
How to Check How Much You Will Receive From PTPTN in Two Steps
PTPTN 2020 Deadlines for Every Course and Every Institution Released
How to Qualify for a PTPTN Loan Repayment Exemption
Deadlines for PTPTN Online Applications at Every UA & IPTS for Every Course
How To Use The New PTPTN Direct Debit System & List Of Associated Banks
How Much Loan Does PTPTN offer?
How to Check How Much You Owe PTPTN?
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