Hi there, thanks that my friend brought up this issue to me.Ya it's kinda some cost to pay PTPTN... I mean the transaction cost. Especially for those whom pay monthly, RM2 (most expensive) per transaction can be quite something.
So there are some more convenient ways of paying and cheaper which is internet banking as the table on the right.FYI you can pay yearly or quarterly in order to save the transaction cost. Its allowed by PTPTN to pay yearly or quarterly if you do not have enough funds.
Assume monthly PTPTN payment is RM100 and each time transaction cost is RM2, therefore the trasaction cost is 2% (RM2/RM100). If pay half yearly on the same amount which is paying RM600 (RM100X6months) and transaction cost is RM2, therefore the transaction cost is 0.33% (RM2/RM600). Most important is, think about the convenience? Well you can consider to pay at early of the half year if you have the cash (thus will also save some interest). All the best gals and guys!
