PTPTN 贷款利息的concept 是fixed rate or flexi?

草民

有点疑惑,在ptptn website里写着:
Kos pentadbiran 4% setahun dikenakan bagi tarikh bayaran balik pinjaman sehingga 31 Disember 2003. Mulai 1 Januari 2004 kos pentadbiran diturunkan kepada 3% setahun atas baki berkurangan.
所以就是说，利息就像还屋子的贷款一样了，随着balance来charge利息，只是有点不解的是：
1）如果是十年贷还期，3% setahun atas baki berkurangan，是跟着fixed rate 还是flexi? 因为fixed rate的话如果我们多还最多只能缩短贷款期，在利息方面是不会省到的对吧？
2）如果是十年贷还期，3% setahun atas baki berkurangan，如果是flexi的话，我们多还的钱就能在母钱上扣，既能缩短贷款期，也会节省到利息吧？
ptptn loan 究竟是哪一种呢?
有错误请纠正，谢谢。

草民

刚刚在网上搜到，对借贷者无疑是个好消息

Thursday August 14, 2008
Cabinet agrees on new rate for PTPTN loan applicants
By SIMRIT KAUR

PUTRAJAYA: Students will now have to pay only a 1% administration charge for National Higher Education Fund Corporation (PTPTN) loans.

Higher Education Minister Datuk Seri Mohamed Khaled Nordin said the Cabinet had agreed to the new rate at its meeting last week and its effective date was backdated to June 1.

“Students will pay a flat rate of 1% now compared to the 3% levied for first-degree courses and 5% for postgraduate programmes previously,” he told a news conference at his ministry yesterday after chairing the post-Cabinet meeting.

Khaled said a flat rate would be less burdensome to students compared to the previous method, which was calculated on a reducing rate basis.

“Under the reducing rate, students who did not settle their instalments on time or missed one or two payments ended up paying more.”

He said the new rate would be applicable to new and existing students as well as borrowers who had already graduated but were still paying off their study loans.

“For students who obtained loans before the new rate was introduced, their applications will be processed according to the old rate but adjustments will be made once the new system is up and running in December.

“Borrowers who are still studying and those who have already graduated will get fresh loan agreements from January based on the new rate. They will be given one month to choose the new option,” said Khaled. PTPTN currently has 1.04 million borrowers.

Khaled also said the new method of calculation was determined after consultations with the National Fatwa Council, which had stated that it was compliant with syariah law.

“We hope that the new rate will encourage more students to pay back their loans promptly. We will also give incentives to those who repay their loans quickly,” he said.

Currently, the rate of repayment of PTPTN loans is below 50%. Borrowers have up to 20 years to repay the loans depending on the amount.

Khaled also said that PTPTN would give out loans to help students pay for their insurance premiums under the fund.

On Tuesday, students from Masterskill College of Nursing and Health in Kuala Lumpur held a protest over the deduction of insurance premiums from their loan amounts.

They claimed that the deductions of up to RM1,300 had resulted in some of them not having enough money for their cost of living expenses.

“The situation happened because the students were paying this year for the higher, accumulated insurance premiums introduced last year.

“To help these students, PTPTN will offer them a higher loan amount to cover their insurance premiums. However, they will have to repay it later,” he said.

The students also turned up at the ministry in Putrajaya yesterday to highlight their plight.

TomyamKing

看样子PTPTN是有一点flexi rate的性质因为这几年就从4%降到1%。 就算是fixed rate 早换清的话所给的利息还是会不同的...但 PTPTN 的话拿去投资慢慢还换好过  (才1% )