Lowyat.NET: Latest topics by nozname

<Need Advise> Combine PTPTN Loan

nozname — Thu, 26 Jul 2018 02:35:53 +0800

Hello.
Need some advise from brother and sister.

Basically, I have two PTPTN loan under the Ujrah Scheme which is my foundation and degree.
Last year, they had provided a new feature which is to combine the loan.
Just needed more info regarding this feature.

Question 1.
What will happen to the interest fee? Especially on the lower interest fee of the Foundation because of it's shorter period for payment.
For example, my Foundation is RM 5,000 and the period for payment is 2 years.
Therefore, total interest payment (1 %) will be RM 100. (RM 5,000 x 1% x 2 years)

So if after the grace period which I am supposing to make my payment and choosing to combine my loan.
Of course, my degree's loan period of payment is much longer. For example, assuming borrowing RM 20,000 for period of payment 10 years.
Therefore, total interest payment (1 %) will be RM 2,000. (RM 20,000 x 1% x 10 years)

So if I am combining my loan, will that increase my interest payment?
Assuming that they will take the higher period of payment... (Not sure or Question 2)
If so, the interest payment (1%) will be RM 2,500 (RM 25,000 x 1% x 10 years) which is more than RM 100 + RM 2,000.

Question 2.
Furthermore, I am not very sure but PTPTN actually allow to choose how much we want to pay for our monthly payment?
It doesn't make sense to me since the interest payment is fixed with the period of payment. (Ujrah Scheme)
Unless. if I were to choose a minimum amount then the interest payment will be adjusted based on the period of payment?

Question 3.
As I heard that *restructuring* the loan is bad for the record, just wanna know whether using this feature is consider as a restructure of my loan?
Refer to the link below regarding people mentioning that restructuring is bad for loan.
LowYat Forum

Anyway, for anyone who read/answer the post.
Thank you very much for your precious time.

Changing Cherry MX Switch

nozname — Tue, 10 Mar 2015 00:06:16 +0800

I saw this video on youtube that it's possible to change our Cherry MX Switch from one color to another.
Here is the video:
[YOUTUBE]<iframe width="560" height="315" src="https://www.youtube.com/embed/bLBXxzmuA_Q" frameborder="0" allowfullscreen></iframe>[/YOUTUBE]

Well, the main problem is that I don't know where I can purchase the switches alone and the tools.
Is it possible to find it in Lowyat or Digital Mall?
Thank you for replies!!

G400S Warranty issues.

nozname — Mon, 26 Aug 2013 02:36:39 +0800

I just brought Lenovo G400s yesterday at the PC Fair Pikom, from a Lenova Booth which owned by a company called Essential Action.sdn.bhd.
( sales person said that it's at 4th floor LowYat Plaza )
The laptop is fine but then I realize at the "Lenovo Solution Center" program actually stated that my warranty only left 287 days instead of 365 days ( 1 year ).
Somehow, I also manage to get a 1 + 1 warranty under EzyCare programme ( a form ) but hell, I do not know how to redeem it. The sales person told me that I should register it online.

Honestly, now I am very confuse of my laptop warranty.
Anybody with experiences can enlighten me?
I might call the company 2moro.