Budget 2017 Malaysia PTPTN

For PTPTN Repayment:

Full Settlement 15% discount
50% settlement of outstanding debt in a single payment 10% discount
Salary deduction or direct debit 10% discount

Question: For payment of 50% settlement, the 10% discount is based on the full amount or the amount I am paying only?
e.g. My outstanding PTPTN debt is RM50K and I pay 50% which is RM25K.
Scenario 1: Discount on full amount: 50K – 25K – 5K (10% of 50K). I still owe PTPTN RM20K
Scenario 2: Discount on amount I pay: 50K – 25K – 2.5K (10% of 25K). I still owe PTPTN RM22.5K
Answer: It’s going to be discount on the amount you pay only.
Scenario 2: Discount on amount I pay: 50K – 25K – 2.5K (10% of 25K). I still owe PTPTN RM22.5K
 
B40 refers to the bottom 40 percent with household income of up to RM3,855.