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hutang ptptn & credit card

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Post time 5-5-2018 09:41 AM | Show all posts |Read mode
salam. nk mtk pendapat lagi. aku ada hutg dgn ptptn. last skali aku tau amount dia 3k++. dh few years aku culas utk membayar, smlm aku cll ptptn utk cek blik baki pinjaman aku. dia kata hutg aku dh naik 5k++
tanjat gegirl so aku tny dia kata interest 3% bulanan. klu setel one shot dpt la diskon 20% kot xsilap dpt la kurg 1k.

so pertanyaan aku. mcmane ptt aku setelkan ptptn tu? byr 1k utk tukar ke ujrah (1% monthly) dan byr balance monthly ke atau bt full settlement?

then aku ada hutg credit card jugak dlm 5k. cmne nk setel? ptt x aku kuakn duit byr half then half lg monthly atau continue minimum payment monthly?

pening pulak dgn hutg piutang ni. nyesal xsudah amik ptptn dlu!!
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Post time 5-5-2018 10:14 AM From the mobile phone | Show all posts
Bayar la.
Half pun half ka utk dua dua tu..
Janji ko bayar...
Susah wei.kalau ada bayang hutang yang terabai neh
Kau akan rasa cm.ada je x kena
Sebab iols.dh kena dolu..rupanya iols.lupa bayar duit hutang orang...huhu
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Post time 5-5-2018 10:18 AM From the mobile phone | Show all posts
Aiyoh. Beli apa sis smpi hutang credit card 5k ? Iols pakai credit card pn seram kadg2 sbb dlu penah cecah smpai 3k.. kelam kabut I keruk savings utk bayar 3k on time sbb takmo kene interest... pastu taubat nasuha I guna credit card utk isi minyak kereta je di samping mengumpul points.
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Post time 5-5-2018 11:07 AM From the mobile phone | Show all posts
Better u buat full settlement PTPTN tu, sbb dpt 20% discount kan. Kalau duit cash u tak cukup nak bayar both PTPTN and CC, u withdraw EPF utk PTPTN lump sum settlement. Cpt je proses dia, 2 minggu dah settle, buat online je. Cuma submit original documents for verification tu kena pegi cawangan EPF. So duit cash yg ada pegi la bayar CC tu.
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Post time 5-5-2018 11:10 AM From the mobile phone | Show all posts
Oh, never ever continue minimum payment monthly sahaja. U cuma bayar interest je, hutang pokok tu tak berusik pun. Makin lama makin tak boleh manage nanti
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Post time 5-5-2018 11:11 AM From the mobile phone | Show all posts
ayyo, banyak nya hutang..ok la tanak judge
kuarkan epf la bayar pt pastu settle hutang cc tu pulak

pelik2 orang skang, nak pakai cc tapi tak reti nak guna bagi jadi benefit..g buat liabiliti lagi..ok done kecam

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Post time 5-5-2018 11:15 AM From the mobile phone | Show all posts
nak berhutang kena tau pasal interest segala..jangan main swipe je..nak bayar pon kena tau u bayar full amt atau bayar interest saja..ni kang hujung2 g merempan kat socmed duk bayar hutang tetiap bulan tapi amt tak kurang pon..tepuk dahi tengok orang camni
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Post time 5-5-2018 11:52 AM | Show all posts
kalau ada ASB guna duit ASB
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Post time 5-5-2018 12:40 PM From the mobile phone | Show all posts
Mcm forumer kt atas ckp guna epf akaun 2. Kasi setel ptptn.
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Post time 5-5-2018 12:40 PM From the mobile phone | Show all posts
Byr ptptn pki akaun2 epf
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Post time 5-5-2018 01:10 PM | Show all posts
lau xmampu bayar sekaligus ptptn
g buat potongan gaji jela
xpun auto debit
dpt gak diskaun nanti
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Post time 5-5-2018 01:17 PM From the mobile phone | Show all posts
Ptptn boleh guna kwsp
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Post time 5-5-2018 01:34 PM | Show all posts
Ptptn tu kasi setel jer semua pakai akaun tu epf.

Ayyyyoo ko soping ape dik hutang kad kredit sampai 5k?  Kad kredit nii i pakai utk senangkan payment n collect point jer. Bill  keluar tiap2 bulan kasi setel terus zero balance sebab x nak kena interest.

Utk org yg suka berhutang dan mmg malas2 nak bayar kredit kad ni mmg menjerat lah.
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Post time 5-5-2018 01:38 PM From the mobile phone | Show all posts
Yes.. Pakai epf je bayar ptptn tu.. Saya dulu pun mls bayar monthly.. Last2 pakai epf.. 2 kali kuarkan epf.. 8k each withdrawal.. P/s: zakat epf jgn lupa bayar naaa..
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Post time 5-5-2018 01:46 PM From the mobile phone | Show all posts
siyan tt
i pun sama umur u 34 this year
and i pun ada hutang cc sebanyak 4k
last month 6k bayar 4k
pstu guna semula jadi 4 atau 5 k

i bayar 2000 je bulan2 cc tu
ada duit lebih baru bayar banyak

tapi utk pt tu u bayar guna epf je
mmg syok la dapat 20%?
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Post time 5-5-2018 02:34 PM From the mobile phone | Show all posts
Ptptn aku byt half dpt 10% disc lps tu aku buat direct debit bln2 utk dptkan lg disc...klu byr tros pon boleh asal ang ada duit semua boleh...credit card xleh bg pendpt sbb aku elakkan dr dari pakai crdt card...tp klu xmampu better byr sikit2 dr xbyr langsung d khuatiri amount bakalan branak pinak nnt lg cuak dgn hutang
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 Author| Post time 5-5-2018 02:46 PM From the mobile phone | Show all posts
shernazz replied at 5-5-2018 10:14 AM
Bayar la.
Half pun half ka utk dua dua tu..
Janji ko bayar...

Mmg h pening dh ni. MCM ttbe je dibelenggu hutg
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 Author| Post time 5-5-2018 02:47 PM From the mobile phone | Show all posts
Orix replied at 5-5-2018 10:18 AM
Aiyoh. Beli apa sis smpi hutang credit card 5k ? Iols pakai credit card pn seram kadg2 sbb dlu penah ...

Dlu pkai UTK sopink sikit2 pastu byr major service UTK kete. Tgk2 dh BYK. Scary pulak
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 Author| Post time 5-5-2018 02:49 PM From the mobile phone | Show all posts
moonbug replied at 5-5-2018 11:07 AM
Better u buat full settlement PTPTN tu, sbb dpt 20% discount kan. Kalau duit cash u tak cukup nak ba ...

Ckup tu ckup tp xkn nk hbskn UTK hutg. Nk smpan tu pn dh setengah mati . Blh ke withdraw epf klu ccris. Mcm xblh je. Dlu tunang pnh BT xlpas.
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 Author| Post time 5-5-2018 02:49 PM From the mobile phone | Show all posts
moonbug replied at 5-5-2018 11:10 AM
Oh, never ever continue minimum payment monthly sahaja. U cuma bayar interest je, hutang pokok tu ta ...

Blh km contact bank utk tgk schedule bayaran monthly dia cmne. MCM xkarat nk BT full settlement.
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