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


Financial educator, author and trainer

Leave a Reply

Your email address will not be published.