Last Updated Monday, 22 August, 2016 11:20:46 PM
EDUCATION LOAN (NATIONAL HIGHER EDUCATION FUND
PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL)
With effect from 15 June 2007, all applications for PTPTN loan must be done
online through the http://epinjaman.ptptn.gov.my
|HOW TO APPLY FOR PTPTN study
Guideline on online application:
1- Has been offered a place at IPTA/ IPTS and Polytechnic by fulfilling entry requirements determined by the Ministry of Education and Malaysian Qualifications Agency (MQA).
2- Application is valid through the following address http://www.ptptn.gov.my
3- Application is based on the
date determined by the respective IPT (for more information,
kindly refer our official portal
Loans that are offered by
Malaysian government :
The interest rate by Malaysian government is lower than banks or private institutions.
Some of the Government Loans even
have 0% interest rate but the student must complete an interview
before granted the 0% interest loan.
Government loans are usually make repayment through local banks.
PTPTN Loan amount depends on students's institute of
education and course level.
1- Flat/Fixed Rates (new PTPTN loan applicants) (either 1% pa flat or 3% fixed);
2- Interest rate 1% pa flat Ujrah (new PTPTN loan applicants);
3- Fixed for existing loanholders 3% pa.
The interest rate is very low.
National Higher Education Fund
PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL
Loan Eligibility Requirement
Online Application Date
PTPTN - Perbadanan Tabung
Pendidikan Tinggi Nasional
Applying for PTPTN
PTPTN Education loan online
In 2014, over 45,000 National Higher Education Fund (PTPTN) loan
defaulters have come forward to settle their unpaid loans
PTPTN will blacklist the names of loan defaulters if not
repayment is made to the corporation within 20 months.
45,550 PTPTN blacklisted borrowers made loan repayments : http://www.nst.com.my/latest/45-550-ptptn-blacklisted-borrowers-made-loan-repayments-1.411741
In 2013, more than 16,000
first class honors graduates need not repay PTPTN loan
The students concerned were exempted from repaying their loans
after the PTPTN converted the status of their loan to a
Those who had obtained the first class honors bachelors degree
need to apply for conversion of the status of their loans to
scholarships at any of the PTPTN branches.
September 2012 -
Loan borrowers who are
summoned by the court and severed with a Letter of Demand (LOD)
will be blacklisted by the National Higher Education Fund
Until July 31, 2012 a total of 104,983 court summons were issued against errant borrowers, who borrowed loans totaling RM1.67 billion, of which 104,102 summons through panel lawyers and 881 by PTPTN legal officers. 79,669 summons were cancelled by the court, of which 4,282 made adjustments of between from three and five per cent yearly to one per cent yearly involving repayment of RM3.65 million.
|FELDA to bear part of PTPTN
loans from 2012 onward
Felda will bear part of the National Higher Education Fund
Corporation (PTPTN) loans given to the children of its land
scheme settlers. This was part of Felda's efforts to expand its
role in line with its principle of sharing wealth with the
Felda would be allocating about
RM15 million for the purpose in 2012. Felda also extend its
skills training scheme to the children of non-Felda settlers.
2,000 of them would be given the opportunity to undergo skills
training programmes such as the Malaysia Airlines Aircraft
Maintenance Engineering training scheme and courses conducted by
other institutions. 12,000 houses in the traditional villages
would also be repaired and rehabilitated through Felda.
|772,200 Student Borrowers have
settled their PTPTN loans as of July 2012
A total of RM3.43 billion (as of end-July, 2012) have been collected from students who borrowed from the National Higher Education Fund Corporation (PTPTN). The increase in loan recovery showed that the students were aware of their responsibility.
More than 772,000 borrowers, which make up 70.63% of those who had taken loans from the fund, have settled their accounts.
PTPTN has helped 1.2 million borrowers with loans worth RM7.33 billion.
In 2012, PTPN announced that borrowers can pay as little as RM50 a month.
Those who had achieved excellent results in their studies could be exempted from repaying their loans.
Up to July 31, some 13,011 borrowers who obtained first class degrees or its equivalent had been exempted from paying back their dues, amounting to more than RM370 million.
Due to the positive results of the campaign, two more PTPN branches are due to open soon in Sabah and Sarawak.
Do Your Job Right, PTPTN : https://blog.limkitsiang.com/2012/11/21/do-your-job-right-ptptn/
|October 2012, Tuesday
Discounts on payment of PTPTN loans lauded
discount of 20 per cent from the total loan would be given to
borrowers who settle their loans in one lump sum within one year
from Oct 1, 2012 to Sept 30, 2013.
Malaysian Government introduced
a more comprehensive scheme to assisting students to repay their
The priority was to ensure that
more student of the next generation could enjoy the same
facility while those who have completed their studies would not
get blacklisted for failure to pay their loans due to financial
|August 22, 2012
PTPTN Students can pay back loan in RM50 monthly
Students who have taken loans from the National Higher Education Fund Corporation (PTPTN) should not have problems repaying their loans as they can settle their dues for as low as RM50 per month. PTPTN is accommodating and prepared to negotiate with borrowers on loan repayment terms.
PTPTN was disappointed that
students who have succeeded in getting employment have not only
failed to pay back their loans, they have also ignored reminder
|Government of Malaysia offer this education
loan to Malaysian students.
All students are eligible to apply.
The interest is 4% maximum.
Students undergraduate or postgraduate all can still apply for PTPTN.
Information from main website, http://www.ptptn.gov.my,
include application form, deferment form etc.
But those get First Class Degree can convert the education loan to scholarship.
Once your study is completed, the student have to pay the loan amount back.
Payable via CIMB or Maybank.
|Education and study loans available for students registered for
Diploma and Degree programmes are:
National Higher Education Fund / Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
The National Higher Education Fund / PTPTN was established under the National Higher Education Act 1997 (Act 566), with the main objectives to provide loans to eligible students at higher learning institutions, to provide saving schemes and to manage funds for higher education.
All students gaining admission into approved courses at local public or private universities / colleges are eligible irrespective of the academic performance or financial background.
The loan covers RM5,000 per year for a Diploma course and RM16,000 per year for a Degree course.
How to apply
Students can purchase the application form from the Cashier Counter at your colleges or from the PTPTN office. Forms are currently available at RM5.00.
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
Lot G1, Tingkat Bawah
Wisma Chase Perdana
Off Jalan Semantan
50490 Kuala Lumpur
Tel : 03-20983731
Fax : 03-50942769
Website : www.ptptn.gov.my
|Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) Loan (For Diploma &
Degree Student Only)
U.P: Cik Hakimah Shafie
Started from 1st August 2008, the PTPTN Loan application only available through online at this website http://epinjaman.ptptn.gov.my. However, in order for the students to apply the loan through online, there are few steps that the students need to follows:-
Other related links:
Offer / Closing Date / Other Remarks
National Higher Education Fund /
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
The National Higher Education Fund / PTPTN was established under the National Higher Education Act 1997 (Act 566) with the main objectives to provide loans to eligible students at higher learning institutions, provide saving schemes, and manage funds for higher education.
How to apply
Perbadanan Tabung Pendidikan Tinggi
|1|| Must be a Malaysian citizen|
|2|| With effect from 1 July 2005, applicants must not be over 45 years old as at date of application|
|3|| Obtain at least three credits in the Sijil Pelajaran Malaysia (SPM) examination|
|4|| For public university (IPTA) students, they must enrol for courses approved by the Department of Higher Education, Ministry of Higher Education|
|5|| For Polytechnic students, they must be enrolled in courses approved by the Department of Polytechnics and Community College Education, Ministry of Higher Education|
|6|| For students from private higher educational institutions (IPTS), they must enrol for courses approved by the Private Higher Education Management Sector, Ministry of Higher Education and the course enrolled must be accredited by the National Accreditation Board (MQA/LAN)|
|7|| Must not be receiving any other form of financial aid from other bodies / agencies / foundations|
|8|| The remaining study duration should not be less than one year|
|9|| Need to have two guarantors and they must be the parents of the borrower|
Type 1 - Master's degree, PhD and professional courses at public universities (IPTA):
|1||Master's degree students - maximum||RM10,000 per year|
|2||PhD students - maximum||RM26,000 per year|
|3||Professional course - maximum||RM6,000 per year|
Type 2 - First Degree:
|1||For IPTA students - from RM1,100 to RM6,500 per year (an additional RM500 will be given to Science students)|
|2||For IPTS students (except UNITAR) - from RM10,000 to RM1 6,000 per year (an additional RM500 will be given to Science students)|
|3||For UNITAR students - from RM8,000 to RM10,000 per year|
|4||For Open University Malaysia students - RM4,200 per year|
|5||For Medical students (MBBS/MD) - maximum RM30,000 per year|
|6||For Allied Science students - maximum RM20,000 per year|
Type 3 - Diploma level:
|1||For IPTA students||RM1,000 to RM5,000 per year|
|2||For IPTS students||maximum RM8,000 per year|
|3||For Open University Malaysia||maximum RM3,700 per year|
|Administrative Charges :||The administrative charge imposed by PTPTN on amount borrowed is 3% per annum on reducing balance.|
|Insurance :||Students are required to obtain insurance on amount borrowed and all nthe premium deductions will be made on their behalf by PTPTN.|
|Total Loan Amount (Principle)||Repayment of loan begins six months after the end of the loan period.
Repaymenr period as following :
|1||RM10,000 and below||5 years|
|2||RM10,001 -RM22.000||10 years|
|3||RM22.001 - RM50,000||15 years|
|4||RM50,001 and above||20 years|
PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL (PTPTN)
LOT G2 TINGKAT BAWAH, WISMA CHASE PERDANA, OFF JALAN SEMANTAN, DAMANSARA HEIGHTS, 50490 KUALA LUMPUR
Talian Pejabat Am
Pejabat Ketua Eksekutif
& Unit Aduan
Unit IPTS & Politeknik
How To Apply
Permohonan boleh dibuat dengan mendapatkan borang permohonan daripada PTPTN dengan harga RM5.00 senashkah. Permohonan borang secara pos boleh diperolehi daripada alamat di bawah dengan menyertakan wang pos dan sampul surat saiz 27cm x 34cm bersetem RM2.00 dan beralamat sendiri
Field of study
Time of application
Value of award
Pelajar aliran sains tambahan RM 500 setahun (pinjaman insentif tanpa kos pentadbiran).
Pihak Perbadanan akan menilai tahap kemampuan kewangan berdasarkan jumlah pendapatan keluarga pelajar bagi menentukan kelayakan pelajar sebelum pinjaman diberikan. Keputusan yang dibuat oleh Pihak Perbadanan adalah muktamad.
|1||AMMA Foundation Study Loan|
|2||Bakun Charitable Trust|
|3||Employees Provident Fund (Account II) Withdrawal Scheme for Education|
|4||The Public Service Department (JPA) Local & Overseas Sponsorship Programmes|
|5||Biasiswa Kerajaan Negeri Sabah Scholarship (For Degree Student Only)|
|6||The Public Service Department (JPA) Local & Overseas Sponsorship Programmes|
|7||Pinjaman Latihan Kemahiran|
|8||Majlis Amanah Rakyat (MARA) Study Loan|
|9||MARA Scholarship Programs|
|10||Ministry of Higher Education - Scholarship Division|
|11||PERDANA INTERNATIONAL SCHOLARSHIP PROGRAMME|
|12||KEMENTERIAN PERTAHANAN MALAYSIA|
|13||PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional|
|14||The Social Security Organisation (SOCSO) Education Fund|
|15||TABUNG PEMBANGUNAN KEMAHIRAN|
|16||Yayasan Khazanah Global Scholarship|
|17||Yayasan Sabah Group|
|18||Yayasan Sarawak Study Loan|
|19||Yayasan Tunku Abdul Rahman scholarship|
|20||YPPB Yayasan Peneraju Pendidikan Bumiputera scholarship|
INDEX : Scholarships in Malaysia August 22, 2016 11:20:46 PM