Prudential Leon Lim

Prudential Leon Lim Prudential Leon

27/08/2025
15/08/2025

有了遗嘱,就可以直接去银行领钱吗?

误区:只要有人过世,留下了遗嘱,继承人就能拿着那份遗嘱,到银行柜台去领钱。

“这是我爸爸的遗嘱,我是指定的受益人,请把户口里的钱转给我!”

很抱歉,现实并不是那么简单。

银行不会,也不可以,仅凭一份遗嘱就把死者的存款交出来。即便遗嘱上清楚写着你是受益人,银行职员也不会就此把钱交到你手上。

惨了!银行说要 ‘Probate’,是不是说你的遗嘱无效?

并不是。Grant of Probate是为了执行遗嘱而存在的,和遗嘱本身的有效性是两个步骤。

那么,正确的做法是什么?

一、必须申请遗嘱认证(Grant of Probate)

只要留下的是一份合法的遗嘱,就需要由遗嘱中指定的执行人(Executor)向高庭申请“遗嘱认证”(Grant of Probate)。这是一个由法院签发的正式文件,确认:

• 死者已经去世;
• 这份遗嘱是有效的;
• 你是合法的执行人;
• 你有权代表死者管理其遗产,包括银行户口、房产、股票等。

二、流程概览:

1. 确认遗嘱和死亡证明
拿到完整的死亡证明和遗嘱原件。建议尽早联络律师,以确保文件准备正确。

2. 委任律师准备文件
包括申请书(petition)、宣誓书(affidavit)、死者的资产负债清单等。文件必须详实、完整,才能顺利提交高庭。

3. 提交高庭申请
律师将所有文件提交至马来西亚高庭,启动申请程序。

4. 高庭审查与批准
如果资料无误,没有任何反对(例如亲属对遗嘱有效性提出质疑),一般在6至12周内可获得遗嘱认证(不同州属时间略有差异)。

5. 执行人持Grant of Probate处理遗产
一旦获得此法庭文件,执行人便可拿着它去银行、土地局、股票行等单位,正式代表死者管理和分配遗产。

结语:

如果你是遗嘱执行人,请务必尽早找一位你信任的律师协助处理整个Probate流程,避免日后遗产冻结、家人误会或法律争议。

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11/08/2025

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23/07/2025

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02/07/2025

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29/08/2024

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Address

No 35-37, Wisma Prudential, Jalan Seenivasagam
Ipoh
30450

Telephone

+60175687567

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