On 29 October 2021, the Ministry of Finance (MoF) announced that it would offer:

A. 15% discount for full settlement of outstanding PTPTN loan.
B. 12% discount for 50% settlement of outstanding PTPTN loan.
C. 10% discount for scheduled PTPTN loan repayment via direct debit

This campaign is valid from 1 November 2021 to 30 April 2022.

So, which offer of the three provides the highest returns for PTPTN debtors? Should you do it if you have enough savings to pay it off early? What if you use EPF money to settle it?

In this webinar, I shared a spreadsheet template for you to evaluate the options to make a wise decision.

Webinar content:
– Understand how PTPTN loan works so you know the interest (upah) charged
– Evaluating the Options of 15%, 12% and 10% discount for paying off early
– Case studies with actual PTPTN statements

ATTENTION: The content you are currently able to view is limited because you are not logged in to our website.

We apologize for the inconvenience, but without a logged-in Premium Webinar Membership, access to our full webinar recordings, video content, and exclusive downloads is restricted. If you find our content valuable and want to dive deeper, we invite you to check out our paid membership options call Premium Webinar Membership.
However, we’re delighted to inform you that attending our live webinars remains free of charge! Trust us, it’s a game-changer for anyone serious about financial growth. To stay in the loop about our future webinars, we announce new topics every week. Make sure to follow us on Email, Telegram, and Facebook so you never miss out on our latest webinar invitations and announcements.

If you are a paid member, please login below:

Lost your Password?


Financial educator, author and trainer

    2 replies to "PTPTN Loan: Is it Wise to Pay Off Early When Government Provide Discount?"

    • Chin 

      Hello, where can I find your full video for “PTPTN Loan: Is it Wise to Pay Off Early When Government Provide Discount?” ?. This video stops at minute 15:22.

      Regards, Chin

      • KCLau 

        Hi Chin,
        Thanks for watching the video.
        The video you watched is just the first 15 minutes. The full video training is only made available to paid members of Premium Webinar Membership.
        More details about the membership here: https://KCLau.com/webinar/join

        Let me know if you have any questions

Leave a Reply

Your email address will not be published.