{"id":453,"date":"2026-05-07T08:22:36","date_gmt":"2026-05-07T08:22:36","guid":{"rendered":"https:\/\/securelife.my\/?p=453"},"modified":"2026-05-08T05:46:57","modified_gmt":"2026-05-08T05:46:57","slug":"joint-property-ownership-in-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/joint-property-ownership-in-malaysia\/","title":{"rendered":"\u592b\u59bb\u8054\u540d\u4e70\u623f\u7684\u6b8b\u9177\u771f\u76f8\uff1a\u623f\u5b50\u4e0d\u4ee3\u8868100%\u662f\u4f60\u7684"},"content":{"rendered":"<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia.jpg\" alt=\"joint property ownership in Malaysia\" class=\"wp-image-454\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia.jpg 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia-300x300.jpg 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia-150x150.jpg 150w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia-768x768.jpg 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/joint-property-malaysia-12x12.jpg 12w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u201c\u8054\u540d\u201d\u7684\u7ec8\u6781\u8bef\u533a<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7b7e\u7f72\u4efb\u4f55\u6587\u4ef6\u4e4b\u524d\uff0c\u4e86\u89e3 <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u7684\u771f\u6b63\u6cd5\u5f8b\u5f71\u54cd\u81f3\u5173\u91cd\u8981\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u606d\u559c\u62ff\u5230\u65b0\u5bb6\u7684\u94a5\u5319\uff01\u5bf9\u4e8e\u8bb8\u591a\u5e74\u8f7b\u592b\u59bb\u6765\u8bf4\uff0c\u5728\u9a6c\u6765\u897f\u4e9a\u83b7\u5f97 <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u662f\u7231\u4e0e\u627f\u8bfa\u7684\u7ec8\u6781\u8c61\u5f81\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u53ef\u80fd\u7406\u6240\u5f53\u7136\u5730\u8ba4\u4e3a\uff0c\u65e2\u7136\u4e70\u5356\u5408\u7ea6 (SPA) \u548c\u94f6\u884c\u8d37\u6b3e\u4e0a\u90fd\u6709\u4f60\u4eec\u4fe9\u7684\u540d\u5b57\uff0c\u8fd9\u680b\u623f\u5b50\u5bf9\u4f60\u4eec\u53cc\u65b9\u6765\u8bf4\u5c31\u662f\u6c38\u4e45\u5b89\u5168\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff0c\u5982\u679c\u53d1\u751f\u610f\u5916\uff0c\u5176\u4e2d\u4e00\u65b9\u4e0d\u5e78\u63d0\u65e9\u79bb\u4e16\uff0c\u4f1a\u53d1\u751f\u4ec0\u4e48\uff1f\u5728\u4e16\u7684\u914d\u5076\u4f1a\u81ea\u52a8\u7ee7\u627f\u53e6\u5916 50% \u7684\u623f\u4ea7\u5417\uff1f<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>The shocking truth about joint property ownership in Malaysia is: <mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\">NO. <\/mark><\/strong><\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\">\u4e00\u8d77\u4e70\u623f\u5e76\u4e0d\u4ee3\u8868\u623f\u5b50100%\u5c31\u662f\u4f60\u7684\u3002<\/mark><\/strong><\/strong><\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6cd5\u5f8b\u73b0\u5b9e\uff1a50% \u7684\u9677\u9631<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5e94\u5bf9 <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong>\u65f6\uff0c\u9664\u975e\u53e6\u6709\u8bf4\u660e\uff0c\u5426\u5219\u5927\u591a\u6570\u8054\u540d\u623f\u4ea7\u90fd\u5c5e\u4e8e <strong>\u5206\u6743\u5171\u6709 (Tenants in Common)\u3002<\/strong>\u8fd9\u610f\u5473\u7740\u60a8\u548c\u60a8\u7684\u914d\u5076\u5404\u81ea\u62e5\u6709\u8be5\u623f\u5c4b 50% \u7684\u660e\u786e\u4efd\u989d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your spouse passes away without a will, their 50% <mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"><strong>share is instantly frozen. <\/strong><\/mark>It does not automatically transfer to you. Instead, according to the Distribution Act 1958, that 50% will be distributed among their surviving parents, children, and you (the surviving spouse).<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"333\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-9.png\" alt=\"\" class=\"wp-image-455\" style=\"aspect-ratio:1.5375809609881006;width:710px;height:auto\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-9.png 512w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-9-300x195.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-9-18x12.png 18w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u6cd5\u5f8b\u7a0b\u5e8f\u5728 <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u7ed9\u6d3b\u7740\u7684\u4f34\u4fa3\u5f15\u53d1\u5669\u68a6\u822c\u7684\u573a\u666f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f60\u60f3\u5356\u4e5f\u5356\u4e0d\u6389\uff1a<\/strong> \u56e0\u4e3a\u4f60\u53ea\u62e5\u6709 50% \u7684\u4ea7\u6743\uff0c\u53e6\u4e00\u534a\u88ab\u51bb\u7ed3\u6216\u5b58\u5728\u4e89\u8bae\uff0c\u4f60\u65e0\u6cd5\u5356\u623f\u5957\u73b0\u3002 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e0e\u59fb\u4eb2\u5171\u4eab\uff1a<\/strong> \u4f60\u53ef\u80fd\u4f1a\u7a81\u7136\u53d1\u73b0\u81ea\u5df1\u8981\u4e0e\u5df2\u6545\u914d\u5076\u7684\u7236\u6bcd\u6216\u5144\u5f1f\u59d0\u59b9\u5171\u4eab\u623f\u4ea7\u6240\u6709\u6743\u3002 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u88ab\u62cd\u5356\u7684\u98ce\u9669\uff1a<\/strong> \u5982\u679c\u4f60\u4e00\u4e2a\u4eba\u7684\u6536\u5165\u65e0\u6cd5\u8d1f\u62c5\u5168\u989d\u7684\u6bcf\u6708\u623f\u8d37\uff0c\u94f6\u884c\u6700\u7ec8\u4f1a\u62cd\u5356\u4f60\u7684\u623f\u5b50\u3002 <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u89e3\u51b3\u65b9\u6848\uff1a\u5efa\u7acb\u8d22\u52a1\u62a4\u57ce\u6cb3<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u806a\u660e\u7684\u5927\u4eba\u4e0d\u4f1a\u53ea\u7b7e\u4e0b\u623f\u8d37\uff1b\u4ed6\u4eec\u4f1a\u5efa\u7acb\u4e00\u9053 <strong>*\u8d22\u52a1\u62a4\u57ce\u6cb3*<\/strong> \u6765\u4fdd\u62a4\u81ea\u5df1\u7684\u5bb6\u4eba\u548c\u514d\u53d7\u98ce\u9669 - <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u786e\u4fdd <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u5b89\u5168\u7684\u6700\u6709\u6548\u65b9\u6cd5\u662f\u8bbe\u7acb <strong>MLTA\uff08\u62b5\u62bc\u5b9a\u989d\u4eba\u5bff\u4fdd\u9669\uff09<\/strong> \u6216\u4e13\u95e8\u7684\u9ad8\u989d <strong><a href=\"https:\/\/securelife.my\/zh\/legacy-planning-with-life-insurance-malaysia\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/legacy-planning-with-life-insurance-malaysia\/\">\u4eba\u5bff\u4fdd\u9669 <\/a><\/strong>\uff0c\u5e76\u7ed3\u5408\u9002\u5f53\u7684 <strong><a href=\"https:\/\/securelife.my\/zh\/malaysia-inheritance-law-distribution\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/malaysia-inheritance-law-distribution\/\">\u9057\u4ea7\u89c4\u5212\uff08\u9057\u5631\uff09\u3002<\/a><\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"260\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-10.png\" alt=\"\" class=\"wp-image-456\" style=\"width:750px;height:auto\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-10.png 512w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-10-300x152.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-10-18x9.png 18w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u5371\u673a\u53d1\u751f\u65f6\uff0c\u8fd9\u4e2a\u5b89\u5168\u7f51\u4f1a\u7acb\u5373\u542f\u52a8\uff0c\u76f4\u63a5\u5411\u60a8\u652f\u4ed8\u4e00\u7b14\u5de8\u989d\u7684\u514d\u7a0e\u73b0\u91d1\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e70\u65ad\u5269\u4f59\u7684 50%\uff1a<\/strong> \u4f60\u53ef\u4ee5\u7528\u8fd9\u7b14\u73b0\u91d1\u5408\u6cd5\u5730\u4ece\u5176\u4ed6\u5bb6\u5ead\u6210\u5458\u624b\u4e2d\u4e70\u4e0b\u5269\u4f59\u7684 50% \u4efd\u989d\uff0c\u83b7\u5f97 100% \u7684\u5b8c\u6574\u6240\u6709\u6743\u3002 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8fd8\u6e05\u503a\u52a1\uff1a<\/strong> \u4f60\u53ef\u4ee5\u8fd8\u6e05\u6240\u6709\u672a\u507f\u8fd8\u7684\u94f6\u884c\u8d37\u6b3e\uff0c\u786e\u4fdd\u4f60\u518d\u4e5f\u4e0d\u7528\u62c5\u5fc3\u6bcf\u6708\u7684\u4f9b\u6b3e\u6216\u94f6\u884c\u62cd\u5356\u4f60\u7684\u623f\u5b50\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u623f\u5b50\u662f\u7531\u7816\u5934\u5efa\u6210\u7684\uff0c\u4f46\u5bb6\u662f\u7531\u5b89\u5168\u611f\u6784\u6210\u7684\u3002\u4e0d\u8981\u8ba9\u4f60\u68a6\u60f3\u4e2d\u7684\u5bb6\u53d8\u6210\u62cd\u5356\u54c1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"201\" height=\"251\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-11.png\" alt=\"\" class=\"wp-image-457\" style=\"width:267px;height:auto\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-11.png 201w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-11-10x12.png 10w\" sizes=\"auto, (max-width: 201px) 100vw, 201px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5173\u4e8e\u8054\u540d\u623f\u4ea7\u7684\u5e38\u89c1<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u95ee\uff1a\u94f6\u884c\u4e0d\u662f\u5f3a\u8feb\u6211\u4eec\u5728\u7b7e\u8d37\u6b3e\u65f6\u8d2d\u4e70 MRTA \u5417\uff1f\u5bf9\u4e8e\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7\u6765\u8bf4\u90a3\u8fd8\u4e0d\u591f\u5417\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b54\uff1a<\/strong> MRTA \u4fdd\u62a4\u7684\u662f\u94f6\u884c\uff0c\u800c\u4e0d\u662f\u60a8\u7684\u5bb6\u4eba\u3002\u5982\u679c\u53d7\u4fdd\u4eba\u79bb\u4e16\uff0cMRTA \u7684\u7406\u8d54\u91d1\u4f1a\u76f4\u63a5\u4ea4\u7ed9\u94f6\u884c\u6765\u7ed3\u6e05\u8d37\u6b3e\u3002\u4f46\u662f\uff0c\u5b83\u5e76\u6ca1\u6709\u89e3\u51b3\u300a\u9057\u4ea7\u5206\u914d\u6cd5\u4ee4\u300b\u4e0b 50% \u4ea7\u6743\u88ab\u51bb\u7ed3\u7684\u6cd5\u5f8b\u95ee\u9898\u3002MLTA \u6216\u4e2a\u4eba\u4eba\u5bff\u4fdd\u5355\u4f1a\u5c06\u73b0\u91d1\u652f\u4ed8\u7ed9 <em>*\u60a8*<\/em>\uff0c\u8ba9\u60a8\u80fd\u591f\u5904\u7406\u4ea7\u6743\u4e70\u65ad\u548c\u751f\u6d3b\u8d39\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u95ee\uff1a\u5982\u679c\u6211\u4eec\u7b7e\u7f72\u7684\u662f\u201c\u8054\u6743\u5171\u6709\u201d\u800c\u4e0d\u662f\u201c\u5206\u6743\u5171\u6709\u201d\u600e\u4e48\u529e\uff1f<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"960\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-12.png\" alt=\"\" class=\"wp-image-461\" style=\"width:544px;height:auto\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-12.png 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-12-240x300.png 240w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-12-10x12.png 10w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b54\uff1a<\/strong> \u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u5982\u679c\u6ca1\u6709\u7279\u5b9a\u7684\u4fe1\u6258\u7ed3\u6784\uff0c\u5e26\u6709\u751f\u5b58\u8005\u53d6\u5f97\u6743\u7684\u771f\u6b63\u201c\u8054\u6743\u5171\u6709\u201d\u5728 <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u4e2d\u6781\u5176\u7f55\u89c1\u3002\u6807\u51c6\u7684\u4e70\u5356\u5408\u7ea6\u51e0\u4e4e\u603b\u662f\u9ed8\u8ba4\u4e3a\u5206\u6743\u5171\u6709\u3002\u60a8\u5fc5\u987b\u68c0\u67e5\u60a8\u7684\u5177\u4f53\u6cd5\u5f8b\u6587\u4ef6\uff0c\u4f46\u6c38\u8fdc\u4e0d\u8981\u5047\u8bbe\u60a8\u4f1a\u81ea\u52a8\u7ee7\u627f\u623f\u4ea7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u53d1\u751f\u6700\u574f\u7684\u60c5\u51b5\uff0c <strong>\u9a6c\u6765\u897f\u4e9a\u8054\u540d\u623f\u4ea7<\/strong> \u7684\u6cd5\u5f8b\u98ce\u9669\u53ef\u80fd\u4f1a\u8ba9\u60a8\u7684\u5bb6\u4eba\u65e0\u5bb6\u53ef\u5f52\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u7684\u8d22\u4ea7\u548c\u4eb2\u4eba\u771f\u7684\u53d7\u5230\u4fdd\u62a4\u4e86\u5417\uff1f <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u70b9\u51fb\u4e0b\u65b9\u83b7\u53d6\u514d\u8d39\u7684\u201c\u623f\u4ea7\u98ce\u9669\u5ba1\u8ba1\u201d\u3002 <\/p>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-0841d3ee\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-00a9e673 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" 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