{"id":1291,"date":"2024-03-27T00:00:54","date_gmt":"2024-03-27T00:00:54","guid":{"rendered":"https:\/\/bikebear.directlending.com.my\/?p=1291"},"modified":"2024-08-27T02:24:10","modified_gmt":"2024-08-27T02:24:10","slug":"apa-berlaku-pinjaman-jika-mati-awal","status":"publish","type":"post","link":"https:\/\/www.directlending.com.my\/ms\/blog\/apa-berlaku-pinjaman-jika-mati-awal\/","title":{"rendered":"Apa Akan Terjadi Pada Hutang Pinjaman Jika Kita Mati Awal?"},"content":{"rendered":"<p>Apa akan terjadi pada hutang atau <a href=\"https:\/\/www.directlending.com.my\/ms?utm_source=blog&amp;utm_campaign=click&amp;utm_medium=blog&amp;utm_term=bl&amp;utm_content=matiawal-21\" target=\"_blank\" rel=\"noopener\">pinjaman<\/a> saya jika saya mati awal? Ini adalah soalan penting yang sering tidak diendahkan oleh peminjam. Terdapat kejadian di mana peminjam meninggal dunia secara tiba-tiba dan meninggalkan baki hutang pinjaman yang banyak. Ahli keluarga dan waris yang sedang bersedih tiba-tiba dikejutkan apabila pengutip hutang meminta mereka untuk menyelesaikan baki pinjaman tersebut. Dari sudut kemanusiaan, perkara ini kelihatan salah. Tetapi bagaimana pula dari segi undang-undang? Adakah pengutip hutang itu melakukan tindakan yang boleh didakwa?<\/p>\n<h2>Bagaimana proses ini dilaksanakan di Malaysia?<\/h2>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/directlending_perbezaan_dengan_pinjaman_bank_difference_with_bank_loan-pcv2a34v6k71pfgn3w9sk7m5ncd40m8x9jy6vj2e5o.jpg\" alt=\"hutang-pinjaman\" \/><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/directlending_perbezaan_dengan_pinjaman_bank_difference_with_bank_loan-pcv2a34v6k71pfgn3w9sk7m5ncd40m8x9jy6vj2e5o.jpg\" alt=\"hutang-pinjaman\" \/><\/p>\n<p>Sumber Gambar: Freepik<\/p>\n<p>Ini persoalan yang begitu mudah yang masih menjadi tanda tanya kepada kebanyakan masyarakat. Secara amnya, perkara yang akan berlaku kepada harta pusaka kita apabila kita mati adalah ia akan dikumpulkan dalam sesuatu yang bergelar \u2018estet\u2019 yang akan dikawal selia oleh seorang \u2018pelaksana\u2019. Pelaksana akan dilantik menerusi wasiat ataupun oleh pihak mahkamah.<\/p>\n<p>Terdapat beberapa pihak yang akan menuntut estet anda sebelum dibahagikan kepada waris. Antaranya adalah :<\/p>\n<p>Perbelanjaan pengebumian<\/p>\n<p>Bayaran atau yuran pelaksana<\/p>\n<p>Cukai tertunggak<\/p>\n<p>Pemuitang terjamin dan tidak terjamin<\/p>\n<p>Pemiutang mempunyai hak dari segi undang-undang untuk mengutip baki pinjaman menerusi estet. Jika pinjaman anda dijamin menerusi aset (contohnya rumah), pemiutang akan mengambil aset tersebut untuk menyelesaikan baki pinjaman.\u00a0Setelah selesai semuanya, baki estet akan dibahagikan mengikut wasiat, Akta Pembahagian (jika tiada wasiat) atau Sijil Faraid bagi yang Muslim.<\/p>\n<p>Untuk mengira baki estet atau nilai harta adalah (Jumlah aset \u2013 Jumlah Hutang = Nilai Harta). Jumlah aset merangkumi aset yang sedia ada seperti rumah, duit simpanan. Jumlah hutang pula termasuk komitmen pinjaman anda seperti kad kredit, pinjaman kereta, pinjaman peribadi, pinjaman rumah dan lain-lain.<\/p>\n<h2>Jadi, adakah keluarga atau waris perlu membayar hutang pinjaman apabila saya mati?<\/h2>\n<p>Tidak, kerana pemiutang hanya akan mengejar aset dan estet sahaja. Jika nilai aset melebihi nilai hutang, maka semua hutang akan selesai dan baki estet akan dibahagikan kepada penama atau waris. Tetapi, jika nilai estet tidak mencukupi untuk menyelesaikan hutang, pemiutang perlu menanggung kerugian kerana mereka tidak mempunyai hak dari segi undang-undang untuk mengambil tindakan terhadap ahli keluarga anda, melainkan ahli keluarga tersebut adalah penjamin atau peminjam bersama.<\/p>\n<h2>Insurans sebagai pelindung<\/h2>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/home-loan_Direct-Lending-scaled-pcvxhhwrca25nrn96hvtlq0snv7tlo3xpx3lexdhkc.jpg\" alt=\"buy house in malaysia\" \/><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/home-loan_Direct-Lending-scaled-pcvxhhwrca25nrn96hvtlq0snv7tlo3xpx3lexdhkc.jpg\" alt=\"buy house in malaysia\" \/><\/p>\n<p>Sumber Gambar: Freepik<\/p>\n<p>Bagi melindungi ahli keluarga anda, pelindungan insurans adalah aspek penting sewaktu melakukan pinjaman. Pihak peminjam dan pemberi pinjaman akan lebih terjamin di mana hutang pinjaman akan diselesaikan dengan kesan yang minima dan waris tidak perlu menanggung hutang beban yang banyak.<\/p>\n<h2>Video: Beza Takaful dan Insurans, Ini 4 Tips Untuk Pilih<\/h2>\n<div class=\"content_video  auto-wh\"><\/div>\n\n<h3>1. Pinjaman Bercagar<\/h3>\n<p>&nbsp;<\/p>\n<h4>Pinjaman bercagar \u2013 pinjaman perumahan<\/h4>\n<p>Pinjaman bercagar seperti pinjaman rumah lazimnya didukung atau dilindungi oleh cagaran atau aset peribadi. Individu yang mengambil pinjaman perumahan perlu mengambil sejenis insurans gadai janji sebelum pinjaman diluluskan. Peminjam mempunyai pilihan untuk mengambil Mortgage Reducing Term Assurance (MRTA) or Mortgage Level Term Assurance (MLTA). Pelan insurans ini akan bantu memberi pelindungan jika berlaku kematian atau cacat kekal kepada peminjam.<\/p>\n<h3>2. Pinjaman Tidak Bercagar<\/h3>\n<p>&nbsp;<\/p>\n<h4>Kad Kredit<\/h4>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/mempunyai-banyak-kad-kredit-pcu9nrblt7r5gy2ki14qxplsdgpxoiwzxwis7kqsks.jpeg\" alt=\"kad kredit\" \/><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/mempunyai-banyak-kad-kredit-pcu9nrblt7r5gy2ki14qxplsdgpxoiwzxwis7kqsks.jpeg\" alt=\"kad kredit\" \/><\/p>\n<p>Sumber Gambar: Freepik<\/p>\n<p>Pengguna kad kredit juga harus mempertimbangkan kelebihan apabila memohon insurans hutang kad kredit. Peratusan premium bulanan adalah amat rendah berbanding jumlah bayaran bulanan kad kredit tersebut. Membayar insurans kad kredit juga salah satu langkah untuk mengelakkan perbelanjaan berlebihan.<\/p>\n<h4>Pinjaman Peribadi<\/h4>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/loan-agreement-budget-capital-credit-borrow-concept-pg95uyau840ewprxldq31ohmfza17pikp4cnyxr9rg.jpg\" alt=\"cara buat pinjaman bank\" \/><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/loan-agreement-budget-capital-credit-borrow-concept-pg95uyau840ewprxldq31ohmfza17pikp4cnyxr9rg.jpg\" alt=\"cara buat pinjaman bank\" \/><\/p>\n<p>Sumber Gambar: Freepik<\/p>\n<p>Sungguhpun pemiutang atau pemberi pinjaman peribadi tidak mewajibkan peminjam untuk memberikan aset peribadi sebagai jaminan pinjaman, objektif utama adalah untuk memastikan hutang pinjaman itu dibayar. Oleh itu, kebanyakan Pinjaman Bank &amp; Koperasi, termasuklah yang ditawarkan oleh Direct Lending, mempunyai insurans atau pelindungan Takaful supaya hutang pinjaman tersebut dapat diselesaikan walaupun berlakunya kematian atau kemalangan kepada peminjam. Premium insurans atau Takaful akan ditolak daripada jumlah pokok pinjaman.<\/p>\n<p>Sebelum anda mengambil insurans pinjaman peribadi dan insurans kad kredit, pastikan anda peka terhadap klausa penting dan pengecualian walaupun perlindungan itu berpusat kepada faedah kematian.<\/p>\n<h2>Kesimpulan<\/h2>\n<p>Kesimpulannya, setiap individu or peminjam perlulah peka terhadap prosedur pinjaman sama ada sebelum atau selepas melakukan pinjaman. Pengguna perlu mempersiapkan diri dengan ilmu mengenai produk pinjaman dan juga jenis perlindungan insurans di Malaysia. Peminjam yang bertanggungjawab akan memikirkan kesejahteraan orang tersayang dan pastikan yang mereka akan pergi tanpa meninggalkan beban.<\/p>\n<h2>Video: Apa Terjadi Pada Pinjaman Jika Mati Awal?<\/h2>\n<div class=\"content_video  auto-wh\"><\/div>\n\n<p>Artikel ini ditulis oleh <a href=\"https:\/\/www.directlending.com.my\/ms?utm_source=blog&amp;utm_campaign=click&amp;utm_medium=blog&amp;utm_term=bl&amp;utm_content=matiawal-21\" target=\"_blank\" rel=\"noopener\">Direct Lending<\/a>, platform pinjaman bank &amp; koperasi yang bantu anda cari, mohon &amp; banding pinjaman secara percuma dan selamat. Hubungi kami untuk bantuan pembiyaan peribadi yang selamat dan kadar serendah 2.95% setahun.<\/p>\n<a class=\"button  button_size_2\" href=\"\"         title=\"\"><span class=\"button_label\">Button<\/span><\/a>\n\n<p>(Artikel ini pada asalnya diterbitkan pada 26 Julai 2019 dan dikemas kini pada 23 Disember 2023)<br \/>\nhide<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apa akan terjadi pada hutang atau pinjaman saya jika saya mati awal? Ini adalah soalan penting yang sering tidak diendahkan oleh peminjam.<\/p>\n","protected":false},"author":4,"featured_media":4995,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[65,229,101,105],"tags":[],"class_list":["post-1291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-hutang","category-pinjaman-peribadi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Apa Akan Terjadi Pada Hutang Pinjaman Jika Kita Mati Awal?<\/title>\n<meta name=\"description\" content=\"Apa akan terjadi pada hutang pinjaman apabila anda meninggal dunia? Adakah akan diselesaikan begitu sahaja? 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Atau ahli keluarga perlu membayarnya?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.directlending.com.my\/ms\/blog\/apa-berlaku-pinjaman-jika-mati-awal\/\" \/>\n<meta property=\"og:site_name\" content=\"Direct Lending\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DirectlendingMy\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-27T00:00:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-27T02:24:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2023\/03\/bayar-hutang-si-mati-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1350\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Yik Seong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:site\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Yik Seong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/\"},\"author\":{\"name\":\"Yik Seong\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#\\\/schema\\\/person\\\/26db3cf14bc9020e35638d14bc7f763b\"},\"headline\":\"Apa Akan Terjadi Pada Hutang Pinjaman Jika Kita Mati Awal?\",\"datePublished\":\"2024-03-27T00:00:54+00:00\",\"dateModified\":\"2024-08-27T02:24:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/\"},\"wordCount\":781,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/bayar-hutang-si-mati-1.png\",\"articleSection\":[\"Blog\",\"Blog\",\"Pengurusan Hutang\",\"Pinjaman Peribadi\"],\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/\",\"url\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/\",\"name\":\"Apa Akan Terjadi Pada Hutang Pinjaman Jika Kita Mati Awal?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/apa-berlaku-pinjaman-jika-mati-awal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/bayar-hutang-si-mati-1.png\",\"datePublished\":\"2024-03-27T00:00:54+00:00\",\"dateModified\":\"2024-08-27T02:24:10+00:00\",\"description\":\"Apa akan terjadi pada hutang pinjaman apabila anda meninggal dunia? 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