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

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KCLau
KCLau

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

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