Hi folks, today I just made my first PTPTN loan repayment, 3 months after the 6-month grace period.
I'm sure everyone knows that if you don't pay back your loan, you'll be blacklisted and will not be able to travel outside of Malaysia. What can we do? Well, for a start, pay back your loan!
You do not own what is not yours.
To no one's surprise, many of my friends do not know how to pay + check remaining balance etc.
Since I'm off-day today (diarrhea countless times the night before) and I got some free time, after some research done, below are the steps I've taken, and I hope this guide can be of help to all the PTPTN loaners who are still in the mist.
* Do note that there are a few ways of repayment - EPF deduction & salary deduction. For more information on EPF or salary deduction, please go to here and here.
Online repayment Guide:
Step 1 : PTPTN FAQ
Goto --> http://www.ptptn.gov.my/web/english/FAQ-english/repayment
On this faq page there a list of repayment methods: Let's have a look at the online payment part.
There are a few banks that provides PTPTN repayment services, as listed in the picture below.
Notice the e-FES.
Click on it will bring you to the e-FES webpage.
Step 2 : e-FES login page
This page will ask for your IC no. and your pin no. For first time users, you can get your pin number by sending a SMS.
ptptn [space] nopin [space] your IC number
and send to 33199.
you will get a promptly reply stating your pin number. REMEMBER YOUR PIN NUMBER. You'll need to come back here for your next payment.
(you can check them again, but that will cost you RM0.50 for each SMS sent)
Step 3 : loan statment
After you got your pin number, proceed to enter them in the column provided and you will see your loan balance, all in full details.
Step 4 :
Notice at the bottom of the statement there will be something like this :
If you have multiple loans (e.g one for foundation/Pre-U, another for Degree) you will see them in your loan statement.
Proceed to tick the box for whichever loan that you want to pay, and enter the desired amount. Then click Bayar.
Step 5: pre-payment
For example you want to pay rm50.00 for pinjaman 1 and pinjaman 2. A statement like above will be shown. Click Teruskan.
*Note that RM0.50 will be charge per transaction.
Step 6 : Choose your bank
Choose whichever bank that you have an online account in.
Click Agree and Continue.
*Note: Please disable pop-up blocker in your browser.
Step 7 : Payment time
From here onwards you'll be prompted by your respective bank online service to log in to your account and the proceedings steps should be clear.
Step 8 : Cofirmation
After you have done your payment, go back to Step 3 and check your loan statement again. You will see something like this at column 4 confirming your payment:
Step 9 : Print
PRINT THIS STATEMENT OUT AND KEEP IT SAFE!
Step 10: Repeat
Repeat Step 3 to Step 9 again on your next payment:
Hope the steps are clear enough for everyone. Please do not hesitate to ask me if you have any doubts on this matter. =)