05/06/2026
After graduation, life gets busy. Work, responsibilities, daily commitments…
And for many people, PTPTN slowly slips their mind.
Until the day they decide to buy a home and discover it’s showing up in their credit record.
So here’s the question:
If you’ve missed PTPTN repayments, does that mean your home loan application is automatically rejected?
The answer might surprise you.
In this episode of PropTalk, Michael Jau shares how banks view PTPTN commitments and what steps you can take to improve your chances of securing a home loan.
▶️ 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐞𝐩𝐢𝐬𝐨𝐝𝐞 𝐨𝐧 𝐘𝐨𝐮𝐓𝐮𝐛𝐞
Understanding this before you buy a home could save you a lot of time, stress, and unnecessary setbacks.
毕业后忙着工作、忙着生活,很多人都忘了自己还有一笔 PTPTN。
直到准备买房时,才发现它竟然出现在自己的贷款记录里。
那么问题来了:
如果PTPTN拖欠了一段时间,是不是就完全没有机会申请房贷了?
答案可能和你想的不一样。
这一集 Prop Talk,Michael Jau 分享了银行如何看待 PTPTN,以及出现问题后该如何重新规划。
▶️ 到 YouTube 看完整版,买房前先了解,可能帮你省下不少时间和麻烦。