FatwaFederal TerritoriesInheritance, Wills & Gifts
IRSYAD HUKUM SIRI KE-910: BOLEHKAH PEMIUTANG MENGHALALKAN HUTANG YANG BERBAKI SELEPAS KEMATIANNYA
Can a creditor waive a remaining debt to take effect after the creditor's death?
Short answer
A waiver of debt that is tied to the creditor's death, such as saying that if I die the remaining debt is forgiven, is treated as a bequest.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Irsyad al-Hukum (Umum)
- Topic
- Inheritance, Wills & Gifts
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
A waiver of debt that is tied to the creditor's death, such as saying that if I die the remaining debt is forgiven, is treated as a bequest. If the debt does not exceed one third of the creditor's estate after death, the whole debt is forgiven. If it exceeds one third, the excess is not automatically forgiven and depends on the heirs' consent to waive it or not.
Written in our own words from the original fatwa — check the source before acting on it.
Justeru, menghalalkan hutang diikat selepas kematian pemiutang seperti apabila seseorang berkata "jika aku mati, baki hutang itu aku halalkan" adalah sah jika jumlah hutang yang dihalalkan tersebut tidak melebihi satu per tiga daripada jumlah harta pemiutang selepas kematiannya.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “IRSYAD HUKUM SIRI KE-910: BOLEHKAH PEMIUTANG MENGHALALKAN HUTANG YANG BERBAKI SELEPAS KEMATIANNYA”, 7 July 2025. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/6305-irsyad-hukum-siri-ke-910-bolehkah-pemiutang-menghalalkan-hutang-yang-berbaki-selepas-kematiannya. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/creditor-waive-debt-after-death/