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Don’t Know How To Pay Back Your PTPTN Loan? Follow These Simple Guides

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Many students in Malaysia would definitely take a PTPTN loan when they are completing their diploma or degree level of education. After they have graduated, it is time for them to begin the process of repaying the PTPTN loan as early as 12 months from the graduating date. If they are able to start paying earlier, they, fortunately, would not be charged any interest for that time period.

For anyone who does not have any idea on how to start paying back their PTPTN loan, have no worries because there is a particular PTPTN Marketing Executive named Nazirul who has taken the responsibility to explain the simple guides on how to pay back the PTPTN loan and he has posted it on his own Twitter account.

According to the Twitter post, these are the simple guides that every individual that took PTPTN should know:

  1. You have to know what is the total amount of payment needed for every month.
  2. Never pay less than the amount that you need to pay monthly.
  3. The monthly payment stated by PTPTN is inclusive of the 1% ‘ujrah’ and also insurance for the period of 10 to 15 years of payment.
  4. If you cannot afford the amount of monthly payment, you can apply for restructuring to lower your monthly payment.
  5. For anyone who proceeds with the restructuring, you may have a low monthly payment but please be reminded that your total amount of loan will increase because of the interest.
  6. You can pay back your PTPTN loan using auto-debit which you can apply directly from the PTPTN website, at the nearest PTPTN counter, or even using online banking which is the most used method.
  7. Pay your PTPTN loan consistently for every month.
  8. Everyone is required to pay their PTPTN exactly 1 year after graduation.
  9. You can also start paying back even before 1 year after graduation and for this, the amount of payment for each month can be decided by yourself.
  10. For anyone who grad with a first-class degree, your PTPTN loan can become a scholarship.

With these easy and also convenient PTPTN loan payback methods, there simply isn’t any excuse to be ignorant about your financial responsibility. Always remember that PTPTN is a loan to be repaid no matter what happens and that the money you pay back will greatly help another deserving student in the future.

Other than that, Nazirul also explained the registration for SSPN-i Plus on his Twitter page. He stated that SSPN-i Plus is very suitable for anyone that just started working so that they could have some savings of their own for the future. SSPN-i also is recommended and very suitable for family that have children. They could take this opportunity to secure savings for the future use of their children such as for their education.

SSPN-i also comes with takaful. According to Nazirul, “SSPN-i Plus has a 4% dividend and also takaful that is beneficial for yourself. It is as low as RM30, RM50 and also RM100. Everything is also auto-debit”. One of the benefit of this takaful would be to cover the payer (mother or father that register for the SSPN-i) if anything happens. He reminded that the takaful is not for the children. With this benefit, the payer could claim the income tax for the total amount of RM8000.

Picture: Twitter Nazirul

Picture: Twitter Nazirul

How to register for SSPN-i Plus:

It is so easy and takes less than 10 minutes of your time,

SSPN-i Plus Online

  1. Click the link to the website above.
  2. Follow the step given on the website.
  3. Important note, payment must be for 2 months at the time of registration (that are for the current month and also the next month)

Sources: Twitter Naz (PTPTN)

Lifestyle

Food Review: Delicious Gula Apong Ice Cream By ‘M Ice Cream’

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Gula Apong Ice Cream is actually a very famous dessert in Sarawak. Previously, it is hard to find it to be available here in Peninsular. Now, since ‘M Ice Cream’ has introduced it here, it is easier to find it. Gula Apong is actually the ‘gula melaka’ version of Sarawak but both of them are definitely not from the same tree. It is commonly used in a lot of Sarawakian beverages and also desserts.

‘M Ice Cream’ specializes in Sarawak Gula Apong Ice Cream. In this store, their ice cream can be topped with honeycomb and also varieties of toppings. The Gula Apong itself got brought from Sarawak to Peninsular Malaysia.

Picture: Facebook M Ice Cream

Gula Apong flavor is the best seller flavor from the shop. There, you can have 4 different toppings that are free and that topping is:

  1. Chocolate Rice
  2. Peanuts
  3. Nestum
  4. Corn Flakes

M Ice Cream also has two other additional toppings, and if you wanted these toppings you need to add-on payment for them and that is:

  1. Chocolate Chips – Add-on RM1
  2. Honeycomb – Add-om RM5

Picture: Facebook M Ice Cream

Picture: Facebook M Ice Cream 

Sources: Facebook M Ice Cream.

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Ji Soo Leaving ‘River Where The Moon Rises’, Na In Woo In Discussion To Replace Him

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After making an apology for the offense of bullying, actor Ji Soo will be leaving the cast of the drama ‘River Where The Moon Rises’.

The KBS station has confirmed the matter and informed that the character played by Ji Soo in the drama will be replaced with another actor.

“Ji Soo, who has recently become the center of controversy, will be stepping down from‘ River Where the Moon Rises, ’” they stated.

Ji Soo previously appeared to make an open apology on his Instagram account to everyone who had been a victim of bullying during his school days.

Meanwhile, the management agency Cube Entertainment issued a statement saying that the drama actor ‘Mr. Queen’ Na In Woo will replace Ji Soo.

“Na In Woo has received an offer to join ‘River Where the Moon Rises’ in the role of On Dal, and he is currently reviewing the offer,” said the agency’s representative.

At this point, discussions are still ongoing over whether the upcoming episodes of ‘River Where the Moon Rises’ that was scheduled for March 8 and 9 will make it to air.

Source: Soompi

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I-Sinar: EPF Members Can Change The Amount Of Applications Starting 8th of March

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Members of the Employees Provident Fund (EPF) will be given the flexibility to make their amendments to the application details that they have made. The amendments that can be done are such as the amount applied for, bank information, address, telephone number, and the payment mode on the i-Sinar Online site from the 8th of March.

The Minister of Finance that is Datuk Seri Tengku Zafrul Abdul Aziz is confident that this is one of the developments that is very much awaited by all the people. According to him, the new i-Sinar application which abolishes all criteria will be opened on that particular date.

Payment For Existing Application

  • Applicants will start receiving their payment starting from the 2nd of March.
  • Payment for the application done before the 25th of February 2021 will be approved in stages.
  • This involves applications that are still pending approval and whose status does not pass.

New Application

  • Starting from the 8th of March.
  • For members that are under 55 years of age.
  • Subject to the balance of Account 1.
  • Including non -Malaysian EPF members.
  • Will be processed in 5 days’ time.

The application status and also the date of payment can be checked after that. Other than that, the total i-Sinar withdrawal amount, as well as the maximum payment schedule for 6 months, remains as previously informed.

Sources: Facebook I-Sinar: Permohonan & Semakan KWSP Akaun 1 Online.

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