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Thursday, 17 February 2011

Simpanan Atau Akaun Bersama..

Just in case if you are not aware !!!

Dear All,

This is true and it has been confirmed with a lawyer.......
Good article!!! I received it from my friend about the Joint Bank Account in Malaysia .
"Just to share with you one recent article I read and shocked me a lot..
It happened in west Malaysia , about a husband and wife and one son. The husband passed away due to accident.
The husband had a RM50,000 joint saving account with wife in a local bank. What happened is the wife ,like most people think,
when husband passes away, she will get the money automatically since it is a joint account. But to her surprise,
She could not withdraw even a single cent from the bank.
Joint saving account is meant for convenience when spouse needs it the most.. But most people always assume once the other holder dies,
another half will get the money automatically which is very wrong.
I would like to share my opinion with all of you, you may take it as educational thoughts or for you to be aware.
When one person dies, the other joint holder of the saving account will get the money automatically only -
if that particular bank practise 'JOINT TENANCY'. This terms means one party die, the other joint party gets money automatically.But unfortunately, not all banks practise JOINT TENANCY, some foreign banks practise but most local banks don't practise.
If you want to be sure, just ask your bank whether your joint saving account based on JOINT TENANCY. If Yes, get the black and white.

Can you all imagine, when the other half passes away, the other half already suffers emotional loss. Now he/she will have to suffer
another problem of having 'NO MONEY', although having money in a bank on a joint account.
Because of ignorance on the 'terms and conditions', the wife and the son have to suffer.

Please take note.
Hope the above info can be of help to you. 

Tulis komen anda..

entRi2 seLektif....

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