{"id":9966,"date":"2017-06-16T12:28:40","date_gmt":"2017-06-16T04:28:40","guid":{"rendered":"http:\/\/vox.malaysiakini.com\/my\/?p=9966"},"modified":"2017-09-19T16:15:05","modified_gmt":"2017-09-19T08:15:05","slug":"bayaran-balik-ptptn-kini-lebih-mudah","status":"publish","type":"post","link":"https:\/\/voiz.asia\/my\/9966","title":{"rendered":"Bayaran balik PTPTN kini lebih mudah"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”3.0.75″][et_pb_fullwidth_post_title _builder_version=”3.0.75″][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.0.75″][et_pb_row use_custom_width=”on” custom_width_px=”600px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.75″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ module_alignment=”left”]<\/p>\n

Dalam usaha memudahkan bayaran balik pinjaman, Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) telah memperkenalkan kemudahan permohonan direct debit secara online sebagai saluran bayaran balik pinjaman PTPTN.<\/p>\n

Saluran ini adalah tambahan kepada saluran bayaran balik pinjaman sedia ada seperti perbankan internet, potongan gaji, FPX, MyPay dan JomPay.<\/p>\n

Menurut PTPTN, inisiatif ini bukan sahaja mampu mempercepatkan proses bayaran balik pinjaman, malah ia juga lebih selamat berbanding membuat bayaran balik secara fizikal.<\/p>\n

Kemudahan direct debit ini sebenarnya telah lama dilaksanakan sejak 2 November 2016 melalui kerjasama dengan MyClear dan Bank Islam.<\/span><\/p>\n

Sebelum ini, peminjam perlu memohon direct debit secara manual dengan mengisi borang fizikal di kaunter PTPTN, namun wujudnya kerumitan apabila permohonan peminjam ditolak akibat kesilapan melengkapkan borang atau tandatangan yang berbeza.<\/p>\n

Maka, untuk menyelesaikan masalah tersebut, langkah proaktif telah diambil PTPTN untuk memperkenalkan permohonan direct debit secara online yang boleh diproses dalam masa tiga hari bekerja.<\/p>\n

Selain bayaran balik pinjaman, PTPTN juga menjelaskan bahawa kemudahan direct debit merupakan satu saluran baharu untuk penambahan deposit bagi Skim Simpanan Pendidikan Nasional (SSPN-i).<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.0.75″][et_pb_row _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/my\/wp-content\/uploads\/sites\/5\/2017\/06\/56673124_xxl.jpg” align=”center” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”2.0.0.0″][\/et_pb_image][et_pb_text _builder_version=”3.0.51″ text_orientation=”center” max_width=”900px” module_alignment=”center”]<\/p>\n

Kelebihan direct debit<\/strong><\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”600px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.75″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ module_alignment=”left”]<\/p>\n

Peminjam yang memilih saluran direct debit untuk membayar balik pinjaman PTPTN layak menikmati diskaun sebanyak 10%. <\/p>\n

Peminjam juga dapat memastikan bayaran balik pinjaman mereka dibuat secara konsisten dan sekali gus membantu mengelakkan peminjam daripada dikenakan tindakan undang-undang dan memastikan rekod peminjam bersih dan baik dalam Sistem Maklumat Rujukan Kredit Pusat (CCRIS). <\/p>\n

Direct debit juga merupakan alternatif terbaik kepada peminjam yang ingin membuat bayaran balik pinjaman PTPTN setiap bulan sekiranya mereka tidak berhasrat untuk memilih saluran potongan gaji.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.0.47″][et_pb_row _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/howtoapply.jpg” align=”center” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.0.0.0″][\/et_pb_image][et_pb_text _builder_version=”3.0.51″ text_orientation=”center” module_alignment=”center”]<\/p>\n

Langkah permohonan kemudahan direct debit<\/strong><\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”600px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.75″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ module_alignment=”left”]<\/p>\n

Untuk membuat permohonan bagi kemudahan direct debit, kunjungi portal rasmi PTPTN di www.ptptn.gov.my<\/a>. Seterusnya, klik pada bahagian \u2018permohonan direct debit\u2019 di bawah ruangan \u2018perkhidmatan atas talian\u2019. <\/p>\n

Permohonan hanya perlu dibuat untuk sekali sahaja. Selepas permohonan tersebut diproses, bayaran bulanan akan diuruskan melalui kerjasama di antara pihak PTPTN dan pihak bank yang dipilih. <\/p>\n

Proses permohonan ini juga adalah percuma. <\/p>\n

Pastikan bahawa status akaun bank yang dipegang adalah aktif. Pemohon juga perlu pastikan bahawa jumlah potongan wang bagi bayaran balik pinjaman adalah sama atau melebihi jadual ansuran bulanan yang telah ditetapkan pihak PTPTN.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”600px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.75″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ module_alignment=”left”]<\/p>\n

Kemudahan direct debit ini tersedia dalam bank-bank yang tersenarai dibawah:<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”3.0.51″ text_orientation=”center” module_alignment=”center”]<\/p>\n

Bank Tempatan<\/strong><\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”900px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/bank-islam.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.3.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/CIMB_Bank1.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.3.1.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/4.bp.blogspot.com\/-tjb5kngtUsg\/T9oWPKeryNI\/AAAAAAAAAM0\/KelQHykd9a0\/s1600\/CIMB+Islamic.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.3.2.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”900px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/www.baserate.co\/wp-content\/uploads\/2015\/09\/bank_rakyat_7663c_450x450.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.4.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/Maybank.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.4.1.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/maybank_islamic.jpg” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.4.2.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”900px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/public_bank.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.5.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/public-islamic-bank.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.5.1.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/rhb-bank.jpg” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.5.2.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”900px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/Screen-Shot-2017-06-14-at-12.08.35-PM.jpg” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.6.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/hongleongbank.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.6.1.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/my\/wp-content\/uploads\/sites\/5\/2017\/06\/Hong-Leong-Islamic-Bank.jpg” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.6.2.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”740px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ text_orientation=”center” module_alignment=”center”]<\/p>\n

Bank Antarabangsa<\/strong><\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”900px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/HSBC-logo.png” _builder_version=”3.0.51″ max_width=”400px” sticky=”off” _i=”0″ _address=”3.8.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/OCBC_Bank.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.8.1.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/ocbc_al_amin.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.8.2.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”600px” make_equal=”on” background_position_1=”top_left” background_position_2=”top_left” background_position_3=”top_left” background_repeat_1=”no-repeat” background_repeat_2=”no-repeat” background_repeat_3=”no-repeat” _builder_version=”3.0.51″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_css_main_element=”align-items: center;”][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/Standard_Chartered-s.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.9.0.0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_image src=”https:\/\/vox.malaysiakini.com\/wp-content\/uploads\/2017\/06\/standard-chartered-saadiq-islamic-bank-s.png” _builder_version=”3.0.51″ sticky=”off” _i=”0″ _address=”3.9.1.0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”600px” custom_padding=”||0px|” custom_margin=”||0px|” background_position_1=”top_left” background_repeat_1=”no-repeat” _builder_version=”3.0.75″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” background_position=”top_left” background_repeat=”no-repeat”][et_pb_text _builder_version=”3.0.51″ module_alignment=”left”]<\/p>\n

Sekiranya peminjam menghadapi masalah kewangan dan tidak mampu membayar balik pinjaman PTPTN berdasarkan jadual ansuran bulanan yang ditetapkan pihak PTPTN, peminjam boleh menghubungi Careline PTPTN, 03-2193 3000 untuk membuat rundingan serta penstrukturan semula pinjaman PTPTN berdasarkan kemampuan kewangan peminjam.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ background_color=”#0c71c3″ _builder_version=”3.0.51″][et_pb_row _builder_version=”3.0.47″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” _i=”0″ _address=”4.0″][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_cta title=”Untuk maklumat lanjut” button_url=”http:\/\/www.ptptn.gov.my” button_text=”Visit Now” use_background_color=”off” _builder_version=”3.0.51″]<\/p>\n

orang ramai boleh hubungi talian Careline PTPTN
\n03-2193 3000<\/span>
\natau layari laman web rasmi PTPTN<\/p>\n

[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Bayaran balik PTPTN kini lebih mudah Dalam usaha memudahkan bayaran balik pinjaman, Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) telah memperkenalkan kemudahan permohonan direct debit secara online sebagai saluran bayaran balik pinjaman PTPTN. Saluran ini adalah tambahan kepada saluran bayaran balik pinjaman sedia ada seperti perbankan internet, potongan gaji, FPX, MyPay dan JomPay. Menurut PTPTN, inisiatif […]<\/p>\n","protected":false},"author":9192194,"featured_media":10405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0},"categories":[211,8],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/voiz.asia\/my\/wp-content\/uploads\/sites\/5\/2017\/06\/Header-1.jpg","jetpack_shortlink":"https:\/\/wp.me\/p7BE94-2AK","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/posts\/9966"}],"collection":[{"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/users\/9192194"}],"replies":[{"embeddable":true,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/comments?post=9966"}],"version-history":[{"count":0,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/posts\/9966\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/media\/10405"}],"wp:attachment":[{"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/media?parent=9966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/categories?post=9966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/voiz.asia\/my\/wp-json\/wp\/v2\/tags?post=9966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}