Budget 2027: PTPTN offers 10pc discount to borrowers with no arrears who make regular repayments

PTPTN borrowers with no arrears will receive a 10 per cent discount on their loans starting in 2027 as an incentive for regular repayments.

The government plans to defer PTPTN loan repayments for borrowers earning less than RM2,500 and set a RM50 minimum monthly repayment for those earning RM2,500 to RM3,000.

Employers can receive tax deductions for repaying employees' PTPTN loans from January 2027 to December 2028, encouraging them to aid in reducing employees' debt.

KUALA LUMPUR, Oct 11 — National Higher Education Fund Corporation (PTPTN) borrowers with no arrears who make regular repayments will enjoy a 10 per cent discount from 2027.

PTPTN chairman Datuk Seri Norliza Abdul Rahim said the incentive was a form of recognition for borrowers who demonstrated discipline in fulfilling their loan repayment obligations.

“The initiative, which will be implemented in 2027, aims to encourage consistent repayments and reduce the risk of loan arrears,” she said in a statement today.

She said the government has announced an initiative to defer PTPTN loan repayments in 2027, which would benefit more than 400,000 borrowers, as well as a minimum monthly repayment of RM50 for low-income borrowers.

Norliza said implementation of the initiative would be subject to income verification through cross-checks with the Inland Revenue Board of Malaysia.

“This reflects the government’s concern in ensuring that repayment commitments can be aligned with borrowers’ financial capacity,” she said.

She said another initiative involved granting tax deductions to employers who repaid PTPTN loans on behalf of their employees, covering payments made from January 2027 to December 2028.

She said the initiative would encourage employers to help ease their employees’ debt burden while safeguarding their welfare.

“As an agency under the Ministry of Higher Education, PTPTN remains committed to realising the government’s goals and aspirations under Budget 2027 by expanding access to more inclusive education, improving borrowers’ well-being and ensuring the sustainability of education financing funds,” she said.

She said this is to ensure that more young people have the opportunity to build their future through higher education.

On Friday, Prime Minister Datuk Seri Anwar Ibrahim, when tabling Budget 2027, announced that the government agreed to defer PTPTN loan repayments for borrowers earning less than RM2,500 a month.

Anwar, who is also Finance Minister, said borrowers earning between RM2,500 and RM3,000 a month would only be required to make minimum repayments of RM50. — Bernama

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从 2027 年开始，PTPTN 贷款中无拖欠款项的借款人将获得 10% 的贷款折扣，以此鼓励他们按时还款。

政府计划推迟月收入低于 2500 令吉的 PTPTN 贷款偿还，并对月收入在 2500 令吉至 3000 令吉之间的借款人设定每月最低还款额 50 令吉。

从 2027 年 1 月到 2028 年 12 月，雇主偿还雇员的 PTPTN 贷款可获得税收减免，鼓励他们帮助雇员减少债务。

吉隆坡，10 月 11 日讯——国家高等教育基金局 (PTPTN) 的借款人，如果从 2027 年起没有拖欠款项并按时还款，将享受 10% 的折扣。

PTPTN主席拿督斯里诺丽莎·阿卜杜勒·拉希姆表示，这项奖励是对那些在履行贷款偿还义务方面表现出自律性的借款人的一种认可。

“这项将于 2027 年实施的计划旨在鼓励持续还款，并降低贷款拖欠的风险，”她今天在一份声明中表示。

她表示，政府已宣布一项计划，将高等教育基金贷款的还款期限推迟至 2027 年，这将使超过 40 万名借款人受益，同时低收入借款人的最低月还款额为 50 令吉。

诺丽莎表示，该计划的实施将取决于通过与马来西亚内陆税收局交叉核查来核实收入。

“这体现了政府对确保还款承诺与借款人的财务能力相匹配的重视，”她说。

她表示，另一项举措是向代表员工偿还 PTPTN 贷款的雇主提供税收减免，涵盖 2027 年 1 月至 2028 年 12 月期间的付款。

她表示，这项举措将鼓励雇主帮助减轻员工的债务负担，同时保障他们的福利。

她表示：“作为高等教育部下属机构，PTPTN 将继续致力于实现政府在 2027 年预算案中的目标和愿景，扩大包容性教育的覆盖范围，改善借款人的福祉，并确保教育融资资金的可持续性。”

她说，这是为了确保更多年轻人有机会通过高等教育来建设自己的未来。

周五，首相拿督斯里安华·易卜拉欣在提交 2027 年财政预算案时宣布，政府同意推迟每月收入低于 2500 令吉的借款人的高等教育基金贷款偿还。

兼任财政部长的安华表示，月收入在2500至3000令吉之间的借款人只需偿还最低50令吉。——马新社

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