{"id":114058,"date":"2026-03-18T14:22:52","date_gmt":"2026-03-18T06:22:52","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=114058"},"modified":"2026-06-18T19:04:26","modified_gmt":"2026-06-18T11:04:26","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=\"662a1f6853\" \/><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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Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option 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information to submit this form. 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\"><\/mark><\/strong><\/a><strong><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><\/strong><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Faraid, hibah dan wasiat sering dianggap sama, tetapi setiap satunya mempunyai fungsi yang berbeza. Memahami perbezaannya penting bagi memastikan harta dapat diagihkan dengan lebih teratur.<\/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 Probet, dengan panduan jelas untuk memudahkan waris.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Panduan Lengkap Tuntutan Harta Pusaka di Malaysia Tahun 2026\" \/>\n<meta property=\"og:description\" content=\"Ketahui cara urus harta pusaka rumah di Malaysia termasuk faraid, hibah, wasiat dan proses Probet, dengan panduan jelas untuk memudahkan waris.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/bm\/harta-pusaka-faraid-hibah-wasiat\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" 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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":26,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058\/revisions"}],"predecessor-version":[{"id":129097,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/114058\/revisions\/129097"}],"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}]}}