{"id":114058,"date":"2026-03-18T14:22:52","date_gmt":"2026-03-18T06:22:52","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=114058"},"modified":"2026-03-18T16:13:34","modified_gmt":"2026-03-18T08:13:34","slug":"harta-pusaka-faraid-hibah-wasiat","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/","title":{"rendered":"Panduan Lengkap Tuntutan Harta Pusaka di Malaysia Tahun 2026"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>TL;DR:<\/strong> Harta pusaka di Malaysia tidak diagihkan secara automatik, sebaliknya memerlukan proses undang-undang yang jelas seperti Probate dan Letters of Administration, dan tanpa pemahaman serta perancangan yang betul, aset seperti rumah boleh menjadi rumit, tertangguh atau tidak dapat dimanfaatkan oleh waris.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Tahukah anda bahawa di Malaysia dianggarkan lebih <a href=\"https:\/\/berita.rtm.gov.my\/nasional\/senarai-berita-nasional\/senarai-artikel\/46077-kes-harta-pusaka-kecil-masih-tertunggak-setakat-disember-2025\/#:~:text=46%2C077%20kes%20harta%20pusaka%20kecil%20masih%20tertunggak%2C%20setakat%20Disember%202025,-29%2F01%2F2026&amp;text=KUALA%20LUMPUR%2C%2029%20Januari%E2%80%93%20Sebanyak,01%20bilion.\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">RM19.01 bilion harta pusaka<\/a> masih belum dituntut?<\/p>\n\n\n\n<p>Sebahagian besar daripadanya termasuk <strong>rumah dan tanah yang tidak dapat dijual <\/strong>atau dipindah milik, hanya kerana waris tidak menyelesaikan proses pentadbiran pusaka.<\/p>\n\n\n\n<p>Ramai menyangka harta akan terus diwarisi oleh keluarga selepas seseorang meninggal dunia.&nbsp;<\/p>\n\n\n\n<p>Hakikatnya, pembahagian harta pusaka di Malaysia melibatkan beberapa proses undang-undang seperti <strong>faraid, hibah, wasiat dan pentadbiran pusaka<\/strong>.<\/p>\n\n\n\n<p>Tanpa pemahaman yang betul, harta pusaka boleh menjadi punca konflik keluarga atau menyebabkan aset berharga terbiar bertahun-tahun!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong>Intipati Utama:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proses tuntutan harta pusaka melibatkan pelbagai saluran seperti <strong>Mahkamah Tinggi, Pejabat Pusaka Kecil (JKPTG) dan Amanah Raya<\/strong>, bergantung kepada jenis dan nilai harta.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nama pemilik asal akan <strong>kekal pada geran hartanah<\/strong> dan tidak berpindah milik secara automatik sehingga proses tuntutan selesai sepenuhnya.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Waris wajib mendapatkan <strong>Surat Kuasa (Grant of Probate atau LA)<\/strong> daripada agensi yang tepat untuk mencairkan aset yang dibekukan serta melakukan urusan pindah milik.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Semua <strong>liabiliti dan hutang si mati<\/strong> mestilah dilangsirkan terlebih dahulu menggunakan nilai harta pusaka sebelum baki aset boleh diagihkan kepada waris yang berhak.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Panduan Lengkap Urus Harta Pusaka di Malaysia<\/h2><ul><li><a href=\"#h-1-apa-itu-harta-pusaka-di-malaysia\" data-level=\"2\">1. Apa Itu Harta Pusaka di Malaysia?<\/a><\/li><li><a href=\"#h-2-perbezaan-faraid-hibah-dan-wasiat\" data-level=\"2\">2. Perbezaan Faraid, Hibah dan Wasiat<\/a><ul><li><a href=\"#h-a-faraid\" data-level=\"3\">a) Faraid<\/a><\/li><li><a href=\"#h-b-hibah\" data-level=\"3\">b) Hibah<\/a><\/li><li><a href=\"#h-c-wasiat\" data-level=\"3\">c) Wasiat<\/a><\/li><\/ul><\/li><li><a href=\"#h-3-apa-berlaku-kepada-rumah-selepas-pemilik-meninggal-dunia\" data-level=\"2\">3. Apa Berlaku Kepada Rumah Selepas Pemilik Meninggal Dunia?<\/a><\/li><li><a href=\"#h-4-langkah-demi-langkah-tuntutan-harta-pusaka-di-malaysia\" data-level=\"2\">4. Langkah Demi Langkah Tuntutan Harta Pusaka di Malaysia<\/a><\/li><li><a href=\"#h-5-agensi-yang-mengurus-harta-pusaka-di-malaysia\" data-level=\"2\">5. Agensi Yang Mengurus Harta Pusaka di Malaysia<\/a><\/li><li><a href=\"#h-6-bolehkah-rumah-pusaka-dijual-jika-ada-ramai-waris\" data-level=\"2\">6. Bolehkah Rumah Pusaka Dijual Jika Ada Ramai Waris?<\/a><\/li><li><a href=\"#h-kesimpulan\" data-level=\"2\">Kesimpulan<\/a><\/li><li><a href=\"#h-soalan-lazim-faq\" data-level=\"2\">Soalan Lazim (FAQ)<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-apa-itu-harta-pusaka-di-malaysia\">1. Apa Itu Harta Pusaka di Malaysia?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140630\/261.webp\" alt=\"\" class=\"wp-image-125366\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140630\/261.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140630\/261-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140630\/261-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Secara ringkas, <strong>harta pusaka<\/strong> merujuk kepada semua aset yang ditinggalkan oleh seseorang selepas kematiannya.&nbsp;<\/p>\n\n\n\n<p>Aset ini kemudiannya perlu diurus dan dibahagikan kepada waris yang berhak mengikut undang-undang yang ditetapkan.<\/p>\n\n\n\n<p>Di Malaysia, harta pusaka biasanya dibahagikan kepada dua kategori utama:<\/p>\n\n\n\n<p><strong>i. Harta alih<\/strong><strong><br><\/strong>Contohnya termasuk wang simpanan bank, saham, pelaburan, kenderaan dan barang kemas.<\/p>\n\n\n\n<p><strong>ii. Harta tidak alih<\/strong><strong><br><\/strong>Ini termasuk aset seperti rumah, tanah, apartmen, kondominium atau premis perniagaan.<\/p>\n\n\n\n<p>Sebelum harta tersebut boleh dipindah milik kepada waris, beberapa perkara perlu diselesaikan terlebih dahulu seperti pembayaran hutang si mati, kos pengurusan jenazah serta proses pentadbiran pusaka.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-perbezaan-faraid-hibah-dan-wasiat\">2. Perbezaan Faraid, Hibah dan Wasiat<\/h2>\n\n\n\n<p>Dalam konteks pengurusan harta pusaka bagi umat Islam, terdapat <strong>tiga konsep utama<\/strong> yang sering dibincangkan iaitu <strong>faraid, hibah dan wasiat<\/strong>.<\/p>\n\n\n\n<p>Memahami perbezaan antara ketiga-tiga konsep ini sangat penting untuk merancang pembahagian harta dengan lebih baik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-faraid\">a) Faraid<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140650\/264.webp\" alt=\"\" class=\"wp-image-125374\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140650\/264.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140650\/264-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140650\/264-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Faraid ialah <a href=\"https:\/\/muftiwp.gov.my\/ms\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">sistem pembahagian harta pusaka<\/a> yang ditetapkan dalam hukum Islam. Pembahagian ini ditentukan berdasarkan <strong>kadar tertentu<\/strong> kepada waris yang layak seperti pasangan, anak, ibu bapa dan saudara terdekat.<\/p>\n\n\n\n<p>Setiap waris mempunyai bahagian yang telah <strong>ditentukan oleh syarak<\/strong>. Sebagai contoh, anak lelaki biasanya menerima bahagian yang lebih besar berbanding anak perempuan.<\/p>\n\n\n\n<p>Pembahagian faraid hanya berlaku selepas beberapa perkara diselesaikan terlebih dahulu seperti:<\/p>\n\n\n\n<p>&bull; pembayaran hutang si mati<br>&bull; kos pengurusan jenazah<br>&bull; pelaksanaan wasiat (jika ada)<\/p>\n\n\n\n<p><strong>i) Rujukan Istilah Faraid<\/strong><\/p>\n\n\n\n<p>Sebelum kita mengira, mari fahami istilah penting ini:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>As-habul Furudh (Golongan VIP):<\/strong> Waris yang sudah ditetapkan bahagiannya (seperti 1\/8, 1\/4, 1\/6).\n<ul class=\"wp-block-list\">\n<li><strong>Contoh:<\/strong> Isteri, Ibu, Ayah.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Asabah (Penerima Baki):<\/strong> Waris yang menerima baki harta selepas golongan VIP selesai.\n<ul class=\"wp-block-list\">\n<li><strong>Contoh:<\/strong> Anak Lelaki, Adik-beradik Lelaki seayah.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Hijab (Pendinding):<\/strong> Waris terdekat yang menghalang waris jauh daripada mendapat bahagian.\n<ul class=\"wp-block-list\">\n<li><strong>Contoh:<\/strong> Kehadiran <strong>Anak Lelaki<\/strong> menyebabkan <strong>Adik-beradik<\/strong> si mati tidak mendapat harta (terhijab).<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Aul &amp; Radd (Penyelarasan):<\/strong> Digunakan apabila jumlah pengiraan unit tidak sama dengan jumlah harta.\n<ul class=\"wp-block-list\">\n<li><strong>Contoh:<\/strong> Jika hanya ada Ibu dan Isteri (Harta berlebih = <strong>Radd<\/strong>) atau jika waris terlalu ramai (Harta tak cukup = <strong>Aul<\/strong>).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>ii) Contoh Kes: Warisan RM1.2 Juta<\/strong><\/p>\n\n\n\n<p>Mari kita lihat bagaimana harta sebanyak <strong>RM1.2 Juta<\/strong> dibahagikan secara telus untuk waris: Isteri, Ibu, Seorang Anak Lelaki, dan Seorang Anak Perempuan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Langkah 1: Menentukan Bahagian Asal (Asal Masalah: 24)<\/strong><\/h4>\n\n\n\n<p>Pada mulanya, kita mencari penyebut sepunya untuk Isteri (1\/8) dan Ibu (1\/6), iaitu <strong>24<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Isteri:<\/strong> 3 unit<\/li>\n\n\n\n<li><strong>Ibu:<\/strong> 4 unit<\/li>\n\n\n\n<li><strong>Baki (Asabah):<\/strong> 17 unit (untuk dikongsi anak-anak).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Langkah 2: Proses &lsquo;Tasheh&rsquo; (Kenapa Jadi 72 Unit?)<\/strong><\/h4>\n\n\n\n<p>Oleh sebab 17 unit tidak boleh dibahagi tepat kepada anak lelaki dan perempuan mengikut (nisbah 2:1), kita darabkan keseluruhan pengiraan dengan 3 (24 x 3 = 72).<\/p>\n\n\n\n<p><strong>Inilah hasil akhirnya:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Waris<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Hubungan<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Bahagian<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Unit (drpd 72)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Nilai Tunai (RM)<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Isteri<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Isteri Si Mati<\/td><td class=\"has-text-align-center\" data-align=\"center\">1\/8<\/td><td class=\"has-text-align-center\" data-align=\"center\">9 Unit<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM150,000<\/td><\/tr><tr><td><strong>Ibu<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Ibu Si Mati<\/td><td class=\"has-text-align-center\" data-align=\"center\">1\/6<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 Unit<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM200,000<\/td><\/tr><tr><td><strong>Anak Lelaki<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Waris Baki (2x)<\/td><td class=\"has-text-align-center\" data-align=\"center\">34\/72<\/td><td class=\"has-text-align-center\" data-align=\"center\">34 Unit<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM566,666.67<\/td><\/tr><tr><td><strong>Anak Perempuan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Waris Baki (1x)<\/td><td class=\"has-text-align-center\" data-align=\"center\">17\/72<\/td><td class=\"has-text-align-center\" data-align=\"center\">17 Unit<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM283,333.33<\/td><\/tr><tr><td><strong>Jumlah<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>100%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>72 Unit<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>RM1,200,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Walaupun pengiraan ini nampak jelas, realiti pengurusan harta pusaka boleh menjadi rumit jika melibatkan hutang si mati, wasiat (maksimum 1\/3 harta kepada bukan waris), atau harta sepencarian.<\/p>\n\n\n\n<p style=\"font-size:17px\"><em><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Nasihat:<\/mark><\/strong> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><strong>Sentiasalah merujuk kepada pakar faraid atau peguam Syarie untuk memastikan setiap sen dibahagikan mengikut lunas syarak yang sah.<\/strong><\/mark><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b-hibah\">b) Hibah<\/h3>\n\n\n\n<p>Hibah merujuk kepada <strong>pemberian harta secara sukarela<\/strong> oleh seseorang kepada individu lain semasa masih hidup.<\/p>\n\n\n\n<p>Sebagai contoh, seseorang boleh memberikan rumahnya kepada anak melalui hibah semasa hidup bagi mengelakkan sebarang pertikaian selepas kematiannya.<\/p>\n\n\n\n<p>Oleh sebab itu, hibah sering digunakan sebagai salah satu <strong>cara perancangan harta<\/strong> untuk mengelakkan pertikaian waris pada masa hadapan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-c-wasiat\">c) Wasiat<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140632\/260.webp\" alt=\"\" class=\"wp-image-125367\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140632\/260.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140632\/260-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140632\/260-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Wasiat ialah <strong>arahan bertulis<\/strong> yang dibuat oleh seseorang tentang <strong>bagaimana hartanya perlu dibahagikan selepas kematiannya<\/strong>.<\/p>\n\n\n\n<p>Bagi umat Islam, wasiat hanya boleh dibuat sehingga maksimum <strong>satu pertiga daripada jumlah harta pusaka<\/strong> dan tidak boleh diberikan kepada waris faraid tanpa persetujuan waris lain.<\/p>\n\n\n\n<p>Selepas seseorang meninggal dunia, wasiat akan dilaksanakan oleh individu yang dilantik sebagai <em>executor<\/em> atau <strong>pentadbir wasiat<\/strong>.<\/p>\n\n\n\n<p>Untuk memudahkan anda melihat perbezaan antara ketiga-tiga konsep ini, rujuk ringkasan di bawah:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-d-perbandingan-faraid-hibah-dan-wasiat\"><strong>d. Perbandingan Faraid, Hibah dan Wasiat<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Perkara<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Faraid<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Hibah<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Wasiat<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Definisi<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pembahagian harta pusaka mengikut hukum Islam selepas kematian<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pemberian harta secara sukarela semasa hidup<\/td><td class=\"has-text-align-center\" data-align=\"center\">Arahan pembahagian harta selepas kematian<\/td><\/tr><tr><td><strong>Masa Berkuat Kuasa<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Selepas kematian<\/td><td class=\"has-text-align-center\" data-align=\"center\">Semasa hidup<\/td><td class=\"has-text-align-center\" data-align=\"center\">Selepas kematian<\/td><\/tr><tr><td><strong>Penerima<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Waris yang layak mengikut syarak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sesiapa sahaja (termasuk waris atau bukan waris)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Terhad kepada bukan waris (kecuali dipersetujui)<\/td><\/tr><tr><td><strong>Had Pembahagian<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Mengikut kadar yang ditetapkan syarak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tiada had tertentu<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maksimum 1\/3 daripada harta<\/td><\/tr><tr><td><strong>Perlu Persetujuan Waris?<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tidak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tidak (jika sempurna dibuat)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ya (jika melibatkan waris faraid)<\/td><\/tr><tr><td><strong>Boleh Elak Faraid?<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tidak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ya (kerana dibuat semasa hidup)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tidak sepenuhnya<\/td><\/tr><tr><td><strong>Kelebihan Utama<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Adil dan mengikut hukum syarak<\/td><td class=\"has-text-align-center\" data-align=\"center\">Elak pertikaian, pembahagian lebih fleksibel<\/td><td class=\"has-text-align-center\" data-align=\"center\">Membolehkan agihan kepada pihak tertentu selepas kematian<\/td><\/tr><tr><td><strong>Risiko \/ Cabaran<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Boleh jadi kompleks jika ramai waris<\/td><td class=\"has-text-align-center\" data-align=\"center\">Perlu dibuat dengan betul untuk sah<\/td><td class=\"has-text-align-center\" data-align=\"center\">Terhad dan boleh dicabar jika tidak jelas<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-apa-berlaku-kepada-rumah-selepas-pemilik-meninggal-dunia\">3. Apa Berlaku Kepada Rumah Selepas Pemilik Meninggal Dunia?<\/h2>\n\n\n\n<p>Ramai yang menyangka bahawa rumah atau tanah akan terus menjadi milik ahli keluarga selepas pemiliknya meninggal dunia. Hakikatnya, perkara ini tidak berlaku secara automatik.<\/p>\n\n\n\n<p>Nama pemilik asal <strong>masih kekal pada geran hartanah<\/strong> sehingga proses tuntutan harta pusaka selesai.&nbsp;<\/p>\n\n\n\n<p>Ini bermakna <strong>waris tidak boleh menjual<\/strong>, memindah milik atau mengurus hartanah tersebut tanpa melalui prosedur pentadbiran pusaka.<\/p>\n\n\n\n<p><strong>i) Senarai Tugas Waris:<\/strong><\/p>\n\n\n\n<p>Antara perkara yang perlu dilakukan oleh waris termasuk:<\/p>\n\n\n\n<p>&bull; mengenal pasti semua waris yang berhak<br>&bull; mengenal pasti semua aset si mati<br>&bull; melantik pentadbir pusaka<br>&bull; memohon surat kuasa mentadbir<br>&bull; menyelesaikan hutang si mati (jika ada)<br>&bull; menjalankan proses pembahagian harta pusaka<\/p>\n\n\n\n<p><strong>ii) Prasyarat Sebelum Pembahagian Hartanah:<\/strong><\/p>\n\n\n\n<p>Sebelum rumah atau tanah boleh diagihkan mengikut Faraid, waris wajib melalui fasa berikut:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pengesahan Waris:<\/strong> Mengenal pasti semua waris yang berhak tanpa ada yang tercicir.<\/li>\n\n\n\n<li><strong>Surat Kuasa (Grant of Probate\/LA):<\/strong> Mendapatkan dokumen rasmi untuk melantik pentadbir yang sah.<\/li>\n\n\n\n<li><strong>Penyelesaian Liabiliti:<\/strong> Melangsirkan baki hutang si mati (jika ada) menggunakan nilai harta tersebut.<\/li>\n\n\n\n<li><strong>Proses Turun Milik:<\/strong> Melaksanakan pembahagian mengikut Faraid atau muafakat (Takharuj).<\/li>\n<\/ol>\n\n\n\n<p>Di Malaysia, banyak hartanah terbiar dan menjadi usang kerana waris <strong>menangguh urusan pentadbiran<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Tanpa tindakan segera, aset yang bernilai tinggi ini akhirnya tidak dapat memberi manfaat ekonomi kepada keluarga yang ditinggalkan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-langkah-demi-langkah-tuntutan-harta-pusaka-di-malaysia\">4. Langkah Demi Langkah Tuntutan Harta Pusaka di Malaysia<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140641\/256.webp\" alt=\"\" class=\"wp-image-125371\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140641\/256.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140641\/256-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140641\/256-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Selepas memahami apa yang berlaku kepada rumah pusaka, persoalan seterusnya ialah&hellip; <em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">&ldquo;Apa sebenarnya langkah fizikal dan perundangan yang perlu diambil oleh waris?&rdquo;<\/mark><\/em><\/p>\n\n\n\n<p>Di Malaysia, proses tuntutan harta pusaka <strong>perlu dilakukan secara tersusun<\/strong> kerana ia melibatkan agensi kerajaan yang berbeza bergantung kepada nilai dan jenis harta.&nbsp;<\/p>\n\n\n\n<p>Berikut ialah panduan asas yang perlu anda ikuti:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-langkah-1-kenal-pasti-semua-aset-amp-liabiliti-si-mati\"><strong>Langkah 1: Kenal Pasti Semua Aset &amp; Liabiliti Si Mati<\/strong><\/h4>\n\n\n\n<p>Mulakan dengan menyenaraikan semua harta yang dimiliki oleh si mati (Harta Alih dan Harta Tak Alih), termasuk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Harta Tak Alih<\/strong>: Rumah, tanah, atau lot kedai.<\/li>\n\n\n\n<li><strong>Harta Alih<\/strong>: Akaun bank, simpanan (ASB\/Tabung Haji), pelaburan (saham), dan kenderaan.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table class=\"has-fixed-layout\"><tbody><tr><td><em><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Penting:<\/mark><\/strong> Waris juga wajib mengenal pasti hutang atau liabiliti seperti pinjaman perumahan (cek polisi MRTT\/MLTT), kad kredit, atau tunggakan cukai. Di bawah undang-undang Malaysia, semua hutang dan kos pengurusan jenazah mesti diselesaikan terlebih dahulu sebelum baki harta boleh diagihkan kepada waris.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-langkah-2-kenal-pasti-waris-amp-dapatkan-sijil-faraid\"><strong>Langkah 2: Kenal Pasti Waris &amp; Dapatkan Sijil Faraid<\/strong><\/h4>\n\n\n\n<p>Seterusnya, tentukan siapa waris yang sah mengikut undang-undang.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bagi Umat Islam<\/strong>: Anda perlu memohon <a href=\"https:\/\/efaraid.mais.gov.my\/EFARAID\/common\/login.jsp\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Sijil Faraid<\/a> di Mahkamah Syariah. Dokumen ini akan menyatakan dengan tepat siapa waris yang berhak dan berapa pecahan bahagian masing-masing.<br><\/li>\n\n\n\n<li><strong>Bagi Bukan Islam<\/strong>: Pembahagian akan merujuk kepada <strong>Akta Pembahagian 1958<\/strong> atau mengikut arahan dalam wasiat yang sah.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-langkah-3-tentukan-agensi-tuntutan-konteks-malaysia\"><strong>Langkah 3: Tentukan Agensi Tuntutan (Konteks Malaysia)<\/strong><\/h4>\n\n\n\n<p>Di mana anda perlu memohon? Di Malaysia, ia bergantung kepada nilai keseluruhan harta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.jkptg.gov.my\/my\/pembahagian-pusaka-kecil\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Pejabat Pusaka Kecil<\/a> (JKPTG): Jika simati memiliki hartanah (rumah\/tanah) bernilai <strong>bawah RM2 juta<\/strong>. Ini adalah laluan paling biasa bagi kebanyakan rakyat Malaysia.<br><\/li>\n\n\n\n<li><a href=\"https:\/\/www.amanahraya.my\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AmanahRaya<\/a> (ARB): Jika simati hanya meninggalkan harta alih (wang tunai\/simpanan) bernilai <strong>bawah RM600,000<\/strong>.<br><\/li>\n\n\n\n<li>Mahkamah Tinggi: Jika nilai harta <strong>melebihi RM2 juta<\/strong> atau terdapat pertikaian undang-undang yang rumit.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-langkah-4-memohon-surat-kuasa-mentadbir-gp-atau-la\"><strong>Langkah 4: Memohon Surat Kuasa Mentadbir (GP atau LA)<\/strong><\/h4>\n\n\n\n<p>Langkah ini adalah paling kritikal! Anda perlu mendapatkan <strong>dokumen rasmi<\/strong> yang <strong>melantik pentadbir yang sah<\/strong> untuk mengurus harta tersebut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Grant of Probate (GP)<\/strong>: Jika si mati meninggalkan Wasiat.<\/li>\n\n\n\n<li><strong>Letters of Administration (LA)<\/strong>: Jika si mati meninggal dunia tanpa Wasiat.<\/li>\n<\/ul>\n\n\n\n<p>Tanpa dokumen GP atau LA ini, aset si mati akan terus <strong>dibekukan<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Anda tidak akan mempunyai kuasa undang-undang untuk mengeluarkan wang dari bank atau melakukan urusan pindah milik (turun milik) di Pejabat Tanah.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-langkah-5-penyelesaian-hutang-amp-pembahagian-akhir\"><strong>Langkah 5: Penyelesaian Hutang &amp; Pembahagian Akhir<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140636\/258.webp\" alt=\"\" class=\"wp-image-125369\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140636\/258.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140636\/258-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140636\/258-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Selepas surat kuasa diperoleh, pentadbir bertanggungjawab untuk:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Melangsaikan baki hutang<\/strong> si mati (menggunakan aset yang ada).<\/li>\n\n\n\n<li><strong>Mengagihkan baki harta kepada waris<\/strong> mengikut hukum Faraid (bagi Muslim) atau Wasiat.<\/li>\n\n\n\n<li><strong>Proses Takharuj<\/strong> <strong>(Persetujuan Bersama<\/strong>): Waris boleh berbincang untuk melepaskan hak masing-masing kepada seorang waris (contohnya anak-anak melepaskan bahagian rumah kepada Ibu) demi memudahkan pengurusan harta di masa depan.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-agensi-yang-mengurus-harta-pusaka-di-malaysia\">5. Agensi Yang Mengurus Harta Pusaka di Malaysia<\/h2>\n\n\n\n<p>Di Malaysia, urusan tuntutan harta pusaka tidak dikendalikan oleh satu institusi sahaja.<\/p>\n\n\n\n<p>Sebaliknya, ia bergantung kepada jenis harta, nilai aset serta sama ada si mati meninggalkan wasiat atau tidak.<\/p>\n\n\n\n<p>Secara umum, terdapat <strong>tiga agensi utama<\/strong> yang menguruskan pentadbiran harta pusaka.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-i-pejabat-pusaka-kecil\"><strong>i) Pejabat Pusaka Kecil<\/strong><\/h4>\n\n\n\n<p>Pejabat Pusaka Kecil biasanya mengurus kes yang melibatkan <strong>tanah atau hartanah<\/strong> seperti rumah, tanah lot atau kebun.<\/p>\n\n\n\n<p>Permohonan boleh dibuat oleh waris untuk mendapatkan <strong>perintah pembahagian harta pusaka<\/strong> tanpa perlu melalui proses mahkamah yang lebih kompleks.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-ii-amanah-raya-berhad\"><strong>ii) Amanah Raya Berhad<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140634\/259.webp\" alt=\"\" class=\"wp-image-125368\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140634\/259.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140634\/259-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140634\/259-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Amanah Raya Berhad merupakan agensi yang menyediakan <strong>perkhidmatan pentadbiran pusaka<\/strong> bagi kes tertentu, terutamanya yang melibatkan harta alih seperti wang simpanan atau pelaburan.<\/p>\n\n\n\n<p>Amanah Raya juga boleh dilantik sebagai pentadbir pusaka untuk membantu waris mengurus proses pembahagian harta.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-iii-mahkamah-tinggi\"><strong>iii) Mahkamah Tinggi<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140638\/257.webp\" alt=\"\" class=\"wp-image-125370\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140638\/257.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140638\/257-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140638\/257-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Mahkamah Tinggi biasanya terlibat dalam <strong>kes yang lebih kompleks<\/strong>, terutamanya apabila si mati meninggalkan <strong>wasiat<\/strong> atau apabila terdapat <strong>pertikaian antara waris<\/strong>.<\/p>\n\n\n\n<p>Mahkamah juga mengeluarkan dokumen penting seperti <em>Grant of Probate<\/em> dan <em>Letters of Administration<\/em> yang memberi kuasa kepada pentadbir untuk mengurus harta pusaka secara sah.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-bolehkah-rumah-pusaka-dijual-jika-ada-ramai-waris\">6. Bolehkah Rumah Pusaka Dijual Jika Ada Ramai Waris?<\/h2>\n\n\n\n<p>Dalam banyak kes di Malaysia, rumah pusaka sering dimiliki oleh <strong>ramai waris secara bersama<\/strong> selepas proses pembahagian harta selesai.&nbsp;<\/p>\n\n\n\n<p>Situasi ini boleh menimbulkan persoalan sama ada rumah tersebut boleh dijual atau tidak.<\/p>\n\n\n\n<p>Secara umum, <strong>rumah pusaka masih boleh dijual<\/strong>. Namun begitu, persetujuan semua waris yang mempunyai bahagian dalam hartanah tersebut biasanya diperlukan sebelum <strong>sebarang transaksi boleh dilakukan<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-i-persetujuan-semua-waris\"><strong>i) Persetujuan Semua Waris<\/strong><\/h4>\n\n\n\n<p>Jika semua waris bersetuju untuk menjual rumah pusaka, mereka boleh <strong>melantik seorang wakil<\/strong> atau pentadbir untuk mengurus proses jualan hartanah tersebut.<\/p>\n\n\n\n<p>Hasil jualan kemudiannya akan dibahagikan kepada waris mengikut bahagian yang telah ditetapkan melalui faraid atau persetujuan bersama.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-ii-jika-ada-waris-tidak-bersetuju\"><strong>ii) Jika Ada Waris Tidak Bersetuju<\/strong><\/h4>\n\n\n\n<p>Masalah sering timbul apabila terdapat waris yang tidak bersetuju untuk menjual rumah pusaka.&nbsp;Dalam situasi ini, hartanah tersebut mungkin <strong>tidak dapat dijual<\/strong> sehingga persetujuan dicapai.<\/p>\n\n\n\n<p>Kadangkala, waris boleh mencapai persetujuan melalui kaedah seperti &ldquo;<strong>takharuj<\/strong>&ldquo;, iaitu apabila salah seorang waris <strong>membeli bahagian waris yang lain<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-iii-risiko-rumah-pusaka-terbiar\"><strong>iii) Risiko Rumah Pusaka Terbiar<\/strong><\/h4>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140644\/255.webp\" alt=\"\" class=\"wp-image-125372\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140644\/255.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140644\/255-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140644\/255-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>Apabila waris gagal mencapai persetujuan atau menangguhkan proses pentadbiran pusaka terlalu lama, rumah tersebut boleh menjadi <strong>hartanah terbiar<\/strong>.<\/p>\n\n\n\n<p>Situasi ini bukan sahaja menyebabkan nilai hartanah merosot, malah boleh menimbulkan kos tambahan seperti cukai tanah, cukai pintu atau kos penyelenggaraan yang perlu ditanggung oleh waris.<\/p>\n\n\n\n<p>Oleh sebab itu, waris digalakkan untuk menyelesaikan<strong> urusan harta pusaka dengan lebih awal<\/strong> supaya aset seperti rumah atau tanah dapat dimanfaatkan dengan sebaiknya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kesimpulan\">Kesimpulan<\/h2>\n\n\n\n<p>Mengurus harta pusaka bukan sekadar soal pembahagian, tetapi tentang memastikan aset seperti rumah dan tanah dapat <strong>diwariskan dengan lancar<\/strong> tanpa membebankan waris.<\/p>\n\n\n\n<p>Tanpa langkah yang betul, harta pusaka boleh menjadi rumit, tertangguh atau langsung tidak dapat dimanfaatkan oleh keluarga.<\/p>\n\n\n\n<p>Akhirnya, harta yang sepatutnya memberi manfaat boleh menjadi beban. Jadi, <strong>perancangan awal<\/strong> dan tindakan yang tepat bukan sahaja memudahkan proses, tetapi juga melindungi nilai harta untuk generasi seterusnya.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140653\/263.webp\" alt=\"\" class=\"wp-image-125375\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140653\/263.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140653\/263-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18140653\/263-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-soalan-lazim-faq\">Soalan Lazim (FAQ)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1773802013730\"><strong class=\"schema-faq-question\">1. Apa jadi jika rumah pusaka masih mempunyai pinjaman bank?<\/strong> <p class=\"schema-faq-answer\">Jika rumah masih mempunyai pinjaman, hutang tersebut perlu diselesaikan terlebih dahulu sebelum harta boleh diagihkan kepada waris.<br>Dalam kebanyakan kes, pinjaman akan dilindungi oleh <strong>MRTA atau MLTA<\/strong>. Jika perlindungan ini mencukupi, baki pinjaman akan dilangsaikan oleh pihak insurans. <br>Jika tidak, waris perlu berbincang sama ada untuk meneruskan bayaran atau menjual hartanah tersebut.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773802053808\"><strong class=\"schema-faq-question\">2. Bolehkah seorang waris tinggal di rumah pusaka tanpa persetujuan waris lain?<\/strong> <p class=\"schema-faq-answer\">Secara asasnya, rumah pusaka adalah <strong>milik bersama semua waris<\/strong>. Ini bermakna tiada seorang pun waris mempunyai <strong>hak mutlak<\/strong> ke atas hartanah tersebut tanpa persetujuan pihak lain.<br>Jika tiada persetujuan, ia boleh menimbulkan konflik dan dalam sesetengah kes perlu diselesaikan melalui perbincangan atau tindakan undang-undang.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773802089641\"><strong class=\"schema-faq-question\">3. Adakah harta pusaka boleh dibekukan?<\/strong> <p class=\"schema-faq-answer\">Ya, harta pusaka boleh dianggap &ldquo;beku&rdquo; jika tiada tindakan diambil oleh waris untuk memulakan proses pentadbiran.<br>Sebagai contoh, akaun bank akan dibekukan dan hartanah tidak boleh dipindah milik sehingga <strong>surat kuasa mentadbir<\/strong> diperoleh. Situasi ini boleh berlarutan bertahun-tahun jika tidak diurus dengan segera.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773802110805\"><strong class=\"schema-faq-question\">4. Siapa yang layak menjadi pentadbir harta pusaka?<\/strong> <p class=\"schema-faq-answer\">Pentadbir biasanya terdiri daripada waris terdekat seperti pasangan atau anak, atau mana-mana individu yang dipersetujui oleh waris lain.<br>Dalam sesetengah kes, pihak ketiga seperti <strong>Amanah Raya Berhad<\/strong> juga boleh dilantik untuk menguruskan harta pusaka secara profesional.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773802175092\"><strong class=\"schema-faq-question\">5. Adakah semua waris perlu hadir dalam proses tuntutan harta pusaka?<\/strong> <p class=\"schema-faq-answer\">Tidak semestinya semua waris perlu hadir secara fizikal, tetapi mereka perlu <strong>dimaklumkan dan memberikan persetujuan<\/strong> dalam perkara tertentu.<br>Jika terdapat waris yang tidak dapat dikesan atau tidak memberi kerjasama, proses pentadbiran boleh menjadi lebih panjang dan rumit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773802190749\"><strong class=\"schema-faq-question\">6. Adakah harta pusaka dikenakan cukai di Malaysia?<\/strong> <p class=\"schema-faq-answer\">Secara umum, Malaysia tidak mengenakan <strong>cukai harta pusaka (estate duty)<\/strong>.<br>Namun begitu, kos lain seperti <strong>cukai keuntungan harta tanah (RPGT)<\/strong> mungkin dikenakan jika hartanah pusaka dijual, bergantung kepada tempoh pegangan dan situasi tertentu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773804646724\"><strong class=\"schema-faq-question\">7. Apa Itu Grant of Probate?<\/strong> <p class=\"schema-faq-answer\">Grant of Probate ialah <strong>dokumen rasmi<\/strong> yang dikeluarkan oleh <strong>Mahkamah Tinggi<\/strong> untuk memberi kuasa kepada pentadbir yang dinamakan dalam wasiat <strong>mengurus harta pusaka si mati<\/strong>.<br>Ia hanya digunakan jika si mati meninggalkan wasiat, dan tanpa dokumen ini, harta seperti rumah atau akaun bank tidak boleh diurus atau dipindah milik.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\"><strong>Rumah bukan sekadar aset, tetapi warisan untuk keluarga. Dapatkan pandangan daripada pakar hartanah IQI untuk memahami pilihan terbaik sebelum membuat keputusan.<\/strong><\/mark><\/strong><\/p>\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"e9f9697486\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/114058\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" 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value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and 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For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; 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\/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n    \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Baca selanjutnya:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/risiko-projek-terbengkalai\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Apa Risiko Jika Rumah Anda Terlibat Dalam Projek Terbengkalai?<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/rumah-dalam-pembinaan-5-kesilapan-perlu-dielakkan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Jangan Beli Rumah Dalam Pembinaan Sebelum Faham 5 Risiko Ini!<\/mark><\/a><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/rumah-lelong-dan-blacklisted-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\"><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/pembantu-ejen-harta-tanah-ren-sebagai-karier-profesional\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Rumah Lelong vs Rumah Blacklisted: Apa Perbezaan dan Risikonya?<\/mark><\/strong><\/a><\/mark><\/strong><\/a><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Fahami konsep Faraid, Hibah, dan Wasiat dalam Islam. Artikel ini membimbing anda tentang cara pengiraan, proses tuntutan harta pusaka, serta perbezaan penting antara setiap kaedah. Urus harta anda dengan bijak hari ini.<\/p>\n","protected":false},"author":42,"featured_media":125377,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":"[]"},"categories":[289],"tags":[13535,13541,13537,11251,13539],"class_list":["post-114058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gaya-hidup","tag-faraid","tag-harta-pusaka","tag-hibah","tag-home-hunt-bm","tag-wasiat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Lengkap Tuntutan Harta Pusaka di Malaysia Tahun 2026<\/title>\n<meta name=\"description\" content=\"Ketahui cara urus harta pusaka rumah di Malaysia termasuk faraid, hibah, wasiat dan proses 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Adakah semua waris perlu hadir dalam proses tuntutan harta pusaka?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tidak semestinya semua waris perlu hadir secara fizikal, tetapi mereka perlu <strong>dimaklumkan dan memberikan persetujuan<\/strong> dalam perkara tertentu.<br\/>Jika terdapat waris yang tidak dapat dikesan atau tidak memberi kerjasama, proses pentadbiran boleh menjadi lebih panjang dan rumit.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/#faq-question-1773802190749","position":6,"url":"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/#faq-question-1773802190749","name":"6. Adakah harta pusaka dikenakan cukai di Malaysia?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Secara umum, Malaysia tidak mengenakan <strong>cukai harta pusaka (estate duty)<\/strong>.<br\/>Namun begitu, kos lain seperti <strong>cukai keuntungan harta tanah (RPGT)<\/strong> mungkin dikenakan jika hartanah pusaka dijual, bergantung kepada tempoh pegangan dan situasi tertentu.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/#faq-question-1773804646724","position":7,"url":"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/#faq-question-1773804646724","name":"7. Apa Itu Grant of Probate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Grant of Probate ialah <strong>dokumen rasmi<\/strong> yang dikeluarkan oleh <strong>Mahkamah Tinggi<\/strong> untuk memberi kuasa kepada pentadbir yang dinamakan dalam wasiat <strong>mengurus harta pusaka si mati<\/strong>.<br\/>Ia hanya digunakan jika si mati meninggalkan wasiat, dan tanpa dokumen ini, harta seperti rumah atau akaun bank tidak boleh diurus atau dipindah milik.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/06\/18141318\/shutterstock_2501808781-scaled.jpg","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=114058"}],"version-history":[{"count":25,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058\/revisions"}],"predecessor-version":[{"id":125395,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058\/revisions\/125395"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/125377"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=114058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=114058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=114058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}