Tuntutan harta sepencarian selalu dikaitkan dengan wanita, khususnya isteri-isteri. Ini kerana isteri, khususnya isteri yang tidak bekerja akan beranggapan dirinya dan anak-anaknya tidak akan selamat apabila berlaku "hal-hal yang tidak diingini kepada suami".
"Hal-hal yang tidak diingini kepada suami" termasuklah kematian suami, penceraian dan suami kahwin lebih daripada satu. Mari kita tengok bagi setiap kes di atas.
Kematian Suami
Sekiranya suami meninggal dunia dan tidak pula membuat wasiat, maka isteri menghadapi risiko mendapat harta yang sedikit, iaitu berdasarkan kepada hukum faraid. Mengikut hukum faraid, isteri akan mendapat satu perlapan daripada harta suaminya. Baki tujuh perlapan akan dibahagikan kepada waris-waris seperti yang telah ditetapkan oleh hukum faraid. Biasanya anak-anak dan ibu-bapa.
Sebenarnya hukum faraid adalah penyelesaian terakhir dalam membahagi harta jika ada perbalahan di kalangan waris-waris semasa hendak mengagihkan harta pusaka.
Semasa suami-isteri hidup, isteri berhak menuntut apa sahaja bahagian yang beliau kehendaki, katakan setengah daripada harta suami. Tetapi hajat itu hendaklah dibuat semasa suami masih hidup dan suami pula bersetuju atas permintaan isterinya.
Jika suami tidak membahagi harta semasa beliau hidup, maka suami boleh membuat wasiat atau perjanjian harta sepencarian dan menyatakan dengan jelas bahagian harta yang hendak dibahagi kepada isterinya.
Tetapi membuat wasiat ini ada risikonya.
Risikonya ialah apabila waris-waris tidak bersetuju akan pembahagian harta kepada isteri seperti yang dinyatakan dalam wasiat suami itu. Jika ada tentangan waris, maka isteri akan mendapat satu perlapan sahaja, iaitu mengikut hukum faraid. Jadi harapan isteri mendapat harta lebih daripada satu perlapan hanya tinggal angan-angan sahaja.
Bagi mengatasi risiko di atas, isteri hendaklah bijak. Isteri hendaklah mempengaruhi suami supaya pasangan ini membuat perjanjian harta sepencarian. Perjanjian harta sepencarian pada dasarnya ialah perjanjian kontrek yang mengikat kedua-dua pihak ke atas bahagian harta yang dipersetujui. Dalam kes ini, suami bersetuju membahagikan harta dan isteri pula bersetuju menerima bahagian harta itu.
Jika berlaku kematian suami, isteri berhak mendapat bahagian harta yang dinyatakan dalam perjanjian harta sepencarian. Jika dokumen harta sepencarian ini dibuat dengan baik, ia boleh dibawa ke mahkamah dan hak isteri itu akan terpelihara.
Jika Berlaku Penceraian
Penceraian adalah satu malapetaka dan ia tidak sesuai dibincangkan. Tetapi jodoh, rezeki, ajal dan tanah perkuburan adalah ditentukan oleh Allah. Oleh itu kita perlu tahu risiko apabila berlaku penceraian khususnya kepada kaum wanita.
Sekiranya suami meninggal dunia, isteri berhak mewarisi harta suami samada mengikut wasiat atau perjanjian harta sepencarian.
Bagaimanapun, wasiat tidak berguna kepada "bekas isteri" apabila berlaku penceraian semasa suami-isteri hidup. Ini kerana "bekas isteri" selepas penceraian bukanlah pewaris mengikut hukum faraid. Isteri yang diistilah sebagai waris ialah "masih isteri" apabila kematian suami.
Bagaimanapun, risiko ini boleh di atasi oleh isteri jika ada perjanjian harta sepencarian antara suami-isteri. Tuntutan harta sepencarian diistilah sebagai perkara yang harus diselesaikan dahulu sebelum wasiat dan faraid.
Tuntutan harta sepencarian adalah sama tarafnya dengan hutang dunia dan akhirat si-suami yang mesti dibereskan sebelum membahagikan harta pesaka kepada waris mengikut wasiat atau faraid.
Suami Kahwin Lebih Daripada Satu
Suami-isteri telah hidup lama membangunkan keluarga dan mengumpul harta. Secara logiknya, isteri akan mendapat hak yang adil di atas harta yang dikumpul oleh suami-isteri itu.
Apabila suami berkahwin dua atau lebih, isteri pertama akan merasakan kedudukannya terancam. Mungkin sebahagian daripada hak milik harta yang diharap-harapkan oleh isteri (pertama) dahulu akan tinggal angan-angan sahaja.
Bagi mempastikan isteri pertama mendapat hak pemilikan yang sewajarnya, maka isteri (pertama) hendaklah mempengaruhi suami supaya membuat perjanjian harta sepencarian awal-awal lagi.
Tetapi, jangan pula isteri (pertama) menuntut suami supaya membuat perjanjian harta sepencarian selepas suami berkahwin dua! Ini kerana konsep perjanjian harta sepencarian hanya relevan semasa mereka masih suami-isteri.
Secara teknikal, salinan sijil nikah akan dilampirkan kepada perjanjian harta sepencarian sebagai bukti yang mereka masih suami-isteri semasa mereka menandatangani perjanjian harta sepencarian.
Harta sepencarian bukannya harta pusaka
Isu harta sepencarian biasanya dikaitkan dengan pasangan suami isteri di mana si-isteri bimbang yang harta suami akan beralih ke tahan orang lain apabila berlaku penceraian, suami kahwin dua atau meninggal dunia.
Isu harta sepencarian biasanya dikaitkan dengan pasangan suami isteri di mana si-isteri bimbang yang harta suami akan beralih ke tahan orang lain apabila berlaku penceraian, suami kahwin dua atau meninggal dunia.
Tetapi ada juga kes deklarasi harta sepencarian dibuat oleh emak kerana takutkan anaknya yang tamakkan harta bapanya dan kemudian menyisihkan emaknya. Ikutilah ceritanya.
Sepasang suami isteri yang bernama Ali dan Ila adalah berumur dalam lingkungan 50-an mempunyai seorang anak lelaki, Amin, yang sudah berkahwin dan mempunyai sepasang anak. Pasangan suami isteri ini hanya mempunyai sebuah rumah banglo di Damansara yang dianggarkan bernilai RM3 juta. Banglo ini atas nama suami dan ada mempunyai baki hutang RM500,000.
Manakala anaknya ini seorang graduan dari Amerika Syarikat, bekerja dengan sebuah firma dan menyewa sebuah kondo yang berdekatan dengan Damansara.
Anak tunggal lelaki itu seorang yang panas baran dan bersikap kurang ajar kepada kedua ibu-bapanya. Anaknya itu tidak lagi menghormati kedua ibu-bapanya. Emaknya selalu ditengking dan dimarahinya.
Si ibu, Ila amat risau akan masa depannya sekiranya suaminya meninggal dunia dahulu. Si-ibu bimbang dia akan dihalau dari banglo itu dan tidak mempunyai tinggal lain.
Si-ibu faham mengikut Hukum Faraid haknya hanyalah 1/8 daripada jumlah harta dan baki 7/8 akan menjadi milik anaknya itu. Jadi sudah tentu anaknya boleh menghalau ibunya keluar daripada banglo mewah itu. Atau pun sekira dijual hak ibu dianggarkan RM400,000 sahaja (1/7 daripada RM3 juta).
Si-ibu mendapat tahu, sekiranya pasangan suami isteri membuat deklarasi harta sepencarian ia dapat menghindarkan masalah risauan si-ibu tadi. Si-ibu yakin yang suaminya akan bersetuju dengan cadangan membuat deklarasi harta sepencarian kerana masalah yang akan dijangkakan oleh si-ibu sekiranya suami meninggal dunia dahulu.
Di bawah konsep harta sepencarian, suami dan isteri ini akan menandatangani Deklarasi Harta Sepencarian di mana si-suami bersetuju membahagikan sekurang-kurangnya 50% daripada bahagian banglo itu kepada isterinya itu, dan baki 50% adalah milik suaminya itu. Si-ibu tahu sekiranya suaminya meninggal dunia dahulu, hak 50% nya ke atas banglo itu terjamin. Ini disebabkan harta sepencarian adalah pemberian semasa hidup dan ia bukan lagi menjadi harta pusaka.
Kesimpulan
Perjanjian harta sepencarian adalah alat yang sangat berkesan bagi mempastikan hak-hak isteri (secara tak lansung anak-anak)terutamanya rumah kediaman, kondo atau apartmen terjamin. Ini kerana pembahagian harta sepencarian hendaklah dibahagi dahulu sebelum wasiat dan faraid.
Kita hendaklah bersikap positip dan berdoa supaya kekal sampai ke akhir hayat pertalian suami-isteri dan anak-anak. Tetapi Tuhan memberi kita otak untuk berfikir apa yang baik untuk kita. Sebab, isteri yang menyesal kemudian tidak berguna lagi.
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