Case Analysis:
Alan and Brenda are considering whether to transfer their property to their adult children during their lifetime or via a will. Below is a concise comparison of the differences, potential impacts, and practical considerations under Malaysian law:
| Category | Lifetime Transfer | Transmission via Will |
| Control & Ownership | • Immediate transfer of full ownership to children • Children gain rights to sell, mortgage or rent the property • In worst-case scenario, risk of eviction for Alan & Brenda • Permanent transfer (no reversal possible) |
• Maintain full ownership until death • Can amend will anytime for flexibility • Complete control over property during lifetime |
| Financial Implications | • Legal fees apply • Stamp duty exemption for transfers up to RM1,000,000 between parents & children • 50% duty remission on any amount above RM1,000,000 |
• Probate fees apply • Nominal stamp duty(approximately RM10) • Legal fees apply |
| Risks & Liabilities | • Property removed from estate (protected from creditors) | • Inherited property may be used to settle deceased’s outstanding debts |
Key Takeaway
If you’re thinking about transferring the property, we highly recommend chatting with a legal expert first to guide you through the process.
Stamp duty and other requirements can vary case by case. Please think carefully before proceeding with a lifetime transfer – once done, it can’t be undone, and you’ll permanently lose ownership rights.
With a will, you keep all your options open. You can update it anytime as your circumstances change – whether next month or next year. Since the future is unpredictable, why not choose the flexible option that lets you adjust your plans later?
Our suggestion? Make a will today to protect your interests while keeping your future choices open.
现在转让资产好还是与通过遗嘱转让比较好呢？
案例分析：
Alan 和 Brenda 正忧愁是否在有生之年将资产转让给成年子女，还是通过遗嘱转让。
以下是根据马来西亚法律对于两种方式的简要对比、潜在影响以及实际考量：
| 考虑事项 | 现在就转给孩子 | 通过遗嘱留给孩子 |
| 控制权 | • 签完字房子就归孩子了 • 孩子可以随时决定卖房、贷款或出租 • 最坏情况：如果关系变差，爸妈可能失去居住权 • 一旦转出，就不能反悔 |
• 房子永远都是您的，想住多久 就住多久 • 随时可以修改遗嘱 • 生前完全掌控，不用担心被赶出去 |
| 费用支出 | • 需要付律师费
• 100万以内的转名完全免印花税 （父母转让给孩子） |
• 需要支付遗嘱认证费
• 象征性印花税（不贵）（大约RM10） |
| 风险提示 | • 一旦去世后，房子再也不是您的 遗产 •孩子继承后，这房子是不用用来还清您生前的债务 |
• 孩子继承后，可能需要先用房子还清您生前的债务
|
温馨提醒
如果您正在考虑转让资产，我们强烈建议您先咨询法律专家，以确保您了解整个过程。
印花税和其他要求因情况而异。在决定进行现时转让之前，请三思——一旦完成，您将无法撤销，并且会永久失去所有权。
通过遗嘱，您可以保持所有选择的灵活性，随时根据变化调整——无论是下个月还是明年。未来充满不确定性，为什么不选择一种能让您后续调整计划的灵活方式呢？
我们的建议是：今天就立下遗嘱，保护您的利益吧！
