1.25 juta peminjam tegar PTPTN akan disekat buat pinjaman kenderaan, rumah

R2D2

PETALING JAYA: Many fresh graduates are finding it difficult to get loans from banks to buy cars or property, or even obtain credit cards, due to poor repayment of their National Higher Education Fund Corporation (PTPTN) loans.

Those who have taken PTPTN loans are now included in the Credit Central Reference Information System (CCRIS) database as part of initiatives by the education fund board to recoup the RM8.3 billion in study loan arrears.

The database of about nine million borrowers from various financial institutions in the country is one of the principal sources used by financial institutions to check on the credit worthiness of loan applicants.

Indeed, many a fresh graduate have found their dreams of purchasing their first new car and riding superbikes dashed after their loan applications were rejected by banks.

PTPTN deputy chief executive officer (policy and operations) Mastura Mohd Khalid said the CCRIS move was necessary due to the low repayment rate of 47.3% (as at February).

Asked if it was reasonable for the defaulters to be blacklisted in CCRIS, she said: "We need them to repay consistently as we only managed to collect just RM7.5 billion out of RM15.8 billion. We need RM5 billion every year to fund students for their higher education."

Sales personnel from Proton and Perodua, which have always been among the first choice of cars for graduates due to their affordable pricing, reported that sales have been affected by the high number of rejected loan applications.

Checks by theSun with other car dealers and motorcycle sales personnel also confirmed this.

A Proton sales adviser based in Muar said: "Since this month, many new graduates have been unsuccessful in their loan applications. Details in their payslips may appear quite impressive with most applicants having low financial commitment.

"But when the bank officers view the CCRIS, they find that many had not paid their PTPTN loans for months, with some up to 37 months."

A local automotive portal Careta reported yesterday a Perodua sales manager had said that in the past, unsuccessful loan applications were always due to inconsistent payment of credit cards and other loans.

"But now it is because of PTPTN loans," he said.

"Perodua is often the preferred choice as the first car model for many graduates, but we are getting a lot of cases like these lately."

In a response, Association of Banks Malaysia (ABM) said poor repayment track record of any previous loans would generally have unfavourable implications on new applications.

ABM executive director Chuah Mei Lin said banks would consider whether the applicant will be able to meet both current and future repayment obligations.

"Banks evaluate an applicant's overall financial circumstances on a case-by-case basis, taking into account information available from various sources including CCRIS," said Chuah.

As such, any monthly financial commitments and / or outstanding loans, whether obtained from banks or non-banking institutions, including PTPTN, would be taken into consideration.

harrypoter

selama ni pun memang dah tak boleh apply loan kalau tak bayar ptptn...

AMDTurion

org yg available utk byr bulan2 dgn potongan gaji pun x boleh. sbb dgn syarat byr 1k dulu sbg deposit pembayaran.

org kalo x dpt byr full maksudnya dia mmg xde duit. dah boleh buat pemotongan gaji buat jerlah. x paham aku.

NAT_11

PTPTN tu pinjam duit EPF, dah cecah more than 100 BILLION.
Tetiba tak mahu bayar.
Padan muka

prettyuglybabe

bagus pun buat gitu..
dah pinjam bayar la wei..

tunaluna

padanlah dengan muka.dah kerja,dapat gaji,bayar la ptptn tu.

kemaruk

Dah hutang tu bayar la..

Apa kaitan dengan politik pulak?

NAT_11

Kerana diaorang tak bayar, Epf tak mahu bagi pinjaman lagi.
Sekarang nasiblah, PTPTN dah dihapuskan.
Pinjamlah kat bank kalau nak belajar.
Atau suruh mak bapak tanggong.
Suruh beli insuran pendidikan tak mahu.
Semua nak free.
Belajar malas.

edoraixora

itu aku x paham mentaliti peminjam2 ni
dah name nye berhutang, bayar je lah
mase sign perjanjian, clearly state PINJAMAN, knape bile dh abes blajar, dah masenye kena bayar balik, dok create stori itu ini
henpon canggih bleh beli, head to toe bergaya sakan
tetibe hutang belajor xnak bayor
x paham aku ngan mentaliti korang

so, PTPTN dah masuk CCRIS ni, cume nk cakap, u deserved it lah

dondangdendang

edoraixora replied at 21-4-2016 09:53 AM
itu aku x paham mentaliti peminjam2 ni
dah name nye berhutang, bayar je lah
mase sign perjanjian,  ...

dpt check online x?

edoraixora

dondangdendang replied at 21-4-2016 10:13 AM
dpt check online x?

check ape? ccriss ke
kalo ccriss, cume bleh check di mane2 cawangan BNM sahaja thru kaunter/kiosk

chinta89

mohon komen2 lagi pedas berbisa parking sini

seri_mawr

klu jangka tak nak bayar hutang PTPTN tu laian kali belajar betul2...dpt 3.5 dia tukar jadi biasiswa kan..??

tobby

klu dah berhutang tu bayar jer lah. Hutang wajib di bayar. perangai org Msia hutang dgn kawan2 lagi dia tak mau bayar.

devilito2

bayarlah sekiranya anada berhutang....

bluehedgehog

little_sis

kalo hidup susah, xde keje ok la.. tapi kalo pakai keta import, gi bercuti luar negara bagai x byr ptptn mmg selayaknya la kena tahan kat imigresen..

talapia

aku peminjam PTPTN. masa sign dolu2... masa awal2 PTPTN ditubuhkan. masa tu bukan paham sangat pon pasal caj pentadbiran 4% bagai. sebulan kene bayo berapa pon aku taktau. main sain aje. yela.. kalau tak mane nak cekau duit nak blajo. dok ramai2 kat dewan... diberi explaination pasal loan smua tu. tapi aku tetap rasakan yg aku tak aware pasal segala details.

bila dah grad... mula keje... tau kene bayo loan bulan2 sekian2 amount. Tapi kesedaran tu takde. Rasa tanggungjawab kureng. Gaji pon baru nak idop. banyak kali gakla cuti membayo. nak kawin.. nak tunang.. setahun tak bayo. selesai kawin n segala urusan duit.. aku bayo extra utk cover balik yg 2 tahun x bayar tu.

now.. dah abis bayar... pokoknye... klau ada kesedaran nak bayar... peminjam tu sepatutnya cuba utk bayar walau sikit n ponteng2.. bukannye buat2 lupa langsung sesen haram tak bayar. memang patutla diambil tindakan

lazim

aku pon penah xmmpu uols nk bayar. tapi beza kalau ada niat nk byr dgn memang xnk. ptptn selalu je bg peluang. last sekali yg aku tau drg offer rm300 je utk bt restructure, time ni mmg berbondong2 la serbu ptptn. sampai bersila kat luar. aku g ptg pkl 10 mlm baru siap. jenuh melilau cari pintu keluar utc sbb byk pintu dh tutup

tp ramai jugak yg bt xtahu je kat tawaran ni. lepastu kalau kena byr 1k naseb ko lah. time org bt promosi ko bt pekak badak. kalau xde rm300 sekalipon pergi je la diskas, aku restructure 1 sen pon xkena byr masa g time promosi tu.

wanzackraizzo

ptptn gampang..
kurang ajar punye skim
men ugut