破产后可以出国吗? 2026破产者出境申请指南

马来西亚破产后可以出国吗？孩子婚礼、丧礼、旅游、海外工作怎样申请破产局批准？

破产后到底能不能出国？

1. 答案是：可以申请，但在获得批准以前，不能离开马来西亚。 根据 《1967年破产法令（Insolvency Act 1967）第38(1)(c)条，尚未解除破产身份的人，必须事先取得马来西亚破产局总监（Ketua Pengarah Insolvensi，KPI）或法庭批准才能出国。每个月准时还钱、孩子赞助全部旅费、自己有工作、只出去几天，都不会自动解除这项限制。孩子在国外结婚、近亲去世或重病、海外工作、医疗及合理的家庭事务，则属于有实质理由的申请；马来西亚破产局现行网上系统甚至列有“孩子／近亲婚礼”及“探望患病／去世家人”等申请类别。单纯去旅行、度假，即使孩子出钱，也不是法律豁免，申请基础明显较弱。

每个月都有还破产局的钱，不代表可以直接出国；但这是申请能否顺利进行的重要条件。

2. BHEUU 2024年官方报告明确说明，如果破产者没有呈交财务资料、没有按规定设定还款资料，或者已有拖欠每月分期，网上出国申请便不能进行。因此，“我每个月都有还钱”不是例外，而是证明你合作良好、遵守破产义务的重要证据。现行破产局FAQ也说明，是否批准会考虑申请理由及破产者过去的履行记录。

法律规定：没有批准就出境，后果不是小事

3. 《1967年破产法令》第38(1A)、38(2)及38A条必须一起看。第38(1A)条允许KPI或法庭在批准时附加条件；不遵守第38条或批准条件，可依据第38(2)条被视为藐视法庭。根据第38A(1)至(3)条，KPI可以通知移民局阻止破产者离境；破产者在没有批准的情况下企图出国，移民官也有权扣押其护照或旅行证件。所以旧观念说“破产后一定没有护照”并不准确；真正的法律重点是：有护照，也不等于有权使用它离境。

怎样申请？表格在哪里？多久有答案？

4. 现在最直接的做法是使用马来西亚破产局的 e-Insolvensi“Permohonan Ke Luar Negara”。e-Insolvensi 出国申请系统 申请人填写出国原因和准确的出发、回国日期，再填写破产资料、前往国家、护照、工作、旅费赞助人，以及最近六个月收入与开销，并上传支持文件。现行官方指南注明：申请必须在出国日期至少7个工作日前提出；完整申请会在3个工作日内处理，之后通过电邮或系统查询结果。这里的3天是完整申请的处理时间，不是叫你出发前三天才申请。今天应以网上系统及管理你破产案件的分行为准，不应继续照搬旧式柜台表格、照片、水电单及旧年代的处理时间。 破产局官方出国申请使用指南
5. 不同理由，要用不同证据把故事证明出来。 出席孩子海外婚礼，我会准备请柬、孩子出生证明或亲属关系文件、婚礼地点和日期、机票行程、住宿，以及由孩子付款的赞助信、孩子收入或银行资料。参加丧礼或探望重病亲人，则准备死亡证明、讣告或医院证明和亲属关系文件。孩子赞助旅游时，系统本身设有“赞助人资料”，所以第三者付款并没有问题；但赞助只解释“钱从哪里来”，不能把普通度假变成法律上的特殊理由。破产局过去的官方管理报告曾把“纯社交／旅游，而且对破产财产没有利益”列为拒绝理由；因此申请时不能把旅游包装成假的婚礼、探亲或工作理由。资料必须真实。

长期去国外工作，可以批几年？需要保证金吗？

6. 长期海外工作可以申请，而且现行网上表格明确规定：如果申请原因是工作，雇主资料属于必须填写项目。 实务上应附海外雇佣合约、聘书、薪金、雇主联络资料、工作签证／准证、海外住址，并提出在国外期间继续缴纳每月破产款项及继续提交六个月财务资料的安排。法律没有写“最多30天、90天、一年或两年”，也没有规定海外工作最多只能批准几年；真正具有法律效力的是批准信所写的期限和条件。申请人必须在获准期限内回国，除非另获延长。网上系统会显示有关Bayaran Kredit Estet（破产财产账户款项），批准后才开放付款功能；法律也允许KPI或法庭附加其他条件。因此没有一个适用于所有人的固定“出国抵押金”。
7. 还有一个很多人会漏掉的问题：破产局批准，不代表机场一定放行。 e-Insolvensi申请人的正式声明已经特别提醒，LHDN、KWSP、PTPTN等机构造成的其他出境限制不会因为KPI批准而自动消失。例如HASiL现行资料规定，有税务出境限制而无法全数清税的人，可以申请临时解除，但须符合其独立条件，包括支付规定比例及提前提出申请。因此出发前应同时到移民局 SSPI 检查出境状态。至于从西马前往Sabah或Sarawak，这是马来西亚国内旅行，并不是第38(1)(c)条所谓“离开Malaysia”；不过东马有本身的移民管制。西马公民短期进入Sabah或Sarawak可使用护照或指定替代旅行文件，替代文件的社交／商务逗留期不超过三个月，超过三个月则涉及另一类旅行文件。所以旧说法“去东马完全没有关卡问题”也必须更新。

马来西亚法庭怎样看破产者出国？

8. In the Matter of Lau Hieng Yee, a Bankrupt [2000] 1 MLJ 59（胜）：破产者向高庭申请从1998年至2003年期间出国，破产局一方先反对他未经同意聘请律师及采用有关申请程序。高庭驳回这些初步反对，并确认第38(1)(c)条本身没有规定破产者必须先取得KPI同意，才有资格向法庭申请出国；其护照也不是自动归属破产局的“财产”。但要特别说明，这份判词处理的是程序性反对，并没有裁定所有人都可以获得“五年出国许可”，所以不能把它写成“五年一定批准”的先例。
9. Lim Moon Heng @ Lim Boon Siang v The Government of Malaysia & Anor [2002] 2 MLJ 499; [2002] 2 CLJ 659（败）：该破产者已获破产管理机关准许出国并提供RM50,000银行保证，但税务机关另依据《1967年所得税法令》第104条实施出境限制。高庭裁定税务机关的法定权力独立存在，破产局批准不能推翻税务限制。
10. Tai Choi Yu v Government of Malaysia & Ors [1994] 1 MLJ 677（败）同样确认所得税总监可依据第104条采取出境限制措施。三个案例放在一起，法律结论很清楚：破产者可以申请、可以找律师、可以去法庭，但必须同时处理所有独立存在的出境禁令。

总结：重点不是“有没有理由”，而是你能不能把理由、付款记录和证据一次做好

9. 最实用的结论是：婚礼、丧礼、严重家庭事务及真实海外工作都有明确申请基础；孩子赞助旅费可以证明费用来源，却不会自动取得批准；长期海外工作没有法定固定年限；每月准时还钱是重要合规条件，但绝不是自动出境权。 如果KPI拒绝申请，或长期海外工作所需期限无法通过行政申请解决，第38(1)(c)条本身也保留向法庭申请的途径；Lau Hieng Yee更确认不需要先取得KPI同意才有资格向法院提出申请。不过该案使用的是旧时代的程序规则，今天应按照现行《Insolvency Rules 2017》及现行法院程序处理。
10. 真正昂贵的，从来不是律师咨询费，而是为了省下咨询费而走错第一步。破产出国申请牵涉申请理由、付款纪录、破产财产、护照、移民及其他政府机构的独立禁令，乱填理由、隐瞒资料或先买不可退机票，都会把原本可以处理的问题变成残局。
11. 第一时间付费咨询 Wilson Kuek律师及其专业团队，先分析申请理由、证据和风险；需要正式处理或向法庭申请时，应尽早委任律师。Whatsapp Wilson Kuek律师: 019-2286668 (https://wa.me/60192286668) / 律师楼联系号码: 016-3229368 (https://wa.me/60163229368) 。
12. 相关文章可继续阅读：

• 《破产的疑虑以及如何脱离破产？》，了解破产后的整体限制与解除破产；
• 《禁止出国黑名单》，了解如何检查移民局出境状态；
• 《如何查询个人或公司是否破产？》，了解破产状态查询；以及
• 《破产的员工被无理解雇，能通过工业法庭索偿吗？》，了解破产身份对法律行动的影响。

Can an undischarged bankrupt leave Malaysia?

1. Yes, but only after obtaining permission. Until permission is granted, the bankrupt must not leave Malaysia. Under section 38(1)(c) of the Insolvency Act 1967, an undischarged bankrupt requires prior permission from either the Director General of Insolvency (“DGI”) or the Court. Paying monthly instalments on time, having an adult child sponsor the entire trip, having a valid passport, or travelling only for a few days does not create an automatic exemption. A child’s overseas wedding, the death or serious illness of a close family member, genuine overseas employment, medical treatment and other reasonable personal matters provide substantially stronger grounds. MdI’s present electronic system expressly shows purposes such as attending the wedding of a child or close relative and visiting a sick or deceased family member. A purely recreational holiday, even when fully paid for by a child, is not a statutory exception.

Regular monthly payments help the application, but they do not replace permission.

2. This distinction is important. The BHEUU Annual Report 2024 states that an overseas-travel application cannot be made through the system where the bankrupt has no relevant Statement of Affairs or instalment information, and it likewise cannot proceed where instalment payments are in arrears. Accordingly, a good payment record is not a “special exemption”; it is evidence of compliance and cooperation. MdI’s current bankruptcy FAQ also states that the DGI considers both the strength of the reason for travel and the bankrupt’s compliance record. A bankrupt who has kept his administration, income information and instalments up to date therefore starts from a materially stronger position than one who has ignored MdI for years.

The statutory restriction is serious

3. Sections 38(1A), 38(2) and 38A of the Insolvency Act 1967 must be read together with section 38(1)(c). Under section 38(1A), the DGI or Court may impose conditions when granting permission. Under section 38(2), breach of section 38 or a condition attached to the permission may amount to contempt of court. Under sections 38A(1)–(3), the DGI may request Immigration to prevent the bankrupt from leaving Malaysia, and an immigration officer is empowered to seize the passport or travel document of a bankrupt attempting to leave without prior permission. It is therefore inaccurate to say that every bankrupt automatically “has no passport”. The legal point is different: possessing a passport does not by itself confer permission to use it to leave Malaysia.

How to apply in 2026, where is the form, and how long does it take?

4. The present practical route is MdI’s e-Insolvensi – Permohonan Ke Luar Negara e-Insolvensi overseas travel application The applicant enters the purpose and precise travel period, followed by information concerning the bankruptcy, countries to be visited, passport, employment, sponsor, and six months’ income and expenditure, together with supporting documents. The current official guide states that the application must be lodged at least seven working days before departure. It further states that a complete application will be processed within three working days, after which the result may be checked through the portal or email. Three working days therefore refers to processing of a complete application; it does not mean that the bankrupt should wait until three days before the flight. The current online system and the MdI branch administering the bankruptcy should be followed instead of relying on old paper-form procedures, photographs, utility bills or historical processing periods found in older articles. (e-Insolvensi) Official MdI overseas travel user guide
5. The evidence must match the real reason for travelling. For a child’s overseas wedding, a properly prepared application should include the wedding invitation, evidence of the parent-child relationship, venue and dates, travel itinerary and accommodation, together with the child’s sponsorship letter and evidence showing that the child genuinely bears the expenses. For a funeral or serious illness, the death certificate, funeral notice or hospital documentation and evidence of relationship should be supplied. The present portal expressly collects details of the sponsor, so third-party sponsorship is contemplated by the system. Sponsorship, however, only answers the question “who is paying?” It does not convert an ordinary holiday into a special legal entitlement. Historical official MdI administrative reports specifically recorded purely social or recreational travel with no benefit to the bankruptcy estate as a ground for refusal. An applicant should therefore never disguise tourism as a wedding, family emergency or employment application. False information creates a much more serious problem than the original travel restriction.

Can a bankrupt work overseas for years, and is a security deposit required?

6. A bankrupt may apply to work overseas. The current e-Insolvensi form specifically states that the employment section is compulsory where the purpose of the application is employment. A proper long-term employment application should therefore include the employment offer or contract, employer’s particulars, salary, overseas address, work visa or permit and the contractual employment period. It should also explain how monthly insolvency contributions and six-month income and expenditure reporting will continue while the bankrupt remains overseas. Neither section 38 nor the present MdI guide creates a universal maximum of 30 days, 90 days, one year, two years or five years. The legally relevant period is the period actually approved by the DGI or Court. Likewise, there is no universal statutory “travel deposit” applicable to every bankrupt. The portal displays the relevant Bayaran Kredit Estet, and the payment function becomes available for an approved application; section 38(1A) separately allows further conditions to be imposed. The applicant must comply with the dates and conditions in the approval and return by the approved date unless an extension is separately obtained.
7. DGI approval is not necessarily the only travel restriction that must be cleared. The declaration contained in the e-Insolvensi application expressly warns that restrictions arising from LHDN/HASiL, KWSP or PTPTN may continue even after the DGI approves the insolvency application. HASiL’s current 2026 guidance, for example, has its own procedure and financial conditions for temporary release from a tax travel restriction. A prudent applicant should therefore check the Malaysian Immigration Department’s SSPI travel-status system before departure. Travel from Peninsular Malaysia to Sabah or Sarawak also needs to be stated correctly. It is domestic travel and does not amount to “leaving Malaysia” for section 38(1)(c), but Sabah and Sarawak retain separate immigration controls. Immigration currently provides a substitute travel document for eligible Peninsular Malaysians visiting Sabah or Sarawak for social or business purposes for not more than three months, while longer stays involve a different restricted travel document. The old statement that a bankrupt can travel to East Malaysia with “no immigration problem at all” should therefore no longer be repeated.

What have the Malaysian courts decided?

8. In the Matter of Lau Hieng Yee, a Bankrupt [2000] 1 MLJ 59 — procedural win for the bankrupt. The bankrupt sought permission from the High Court to travel overseas for a period stated as December 1998 to November 2003. The Official Assignee raised preliminary objections concerning the bankrupt’s ability to engage a solicitor and the procedure adopted. The High Court rejected those objections. Importantly, the Court held that nothing in section 38(1)(c) required the bankrupt first to obtain the Official Assignee’s sanction before applying to the Court for permission to leave Malaysia, and that the passport did not vest in the Official Assignee as bankruptcy property. The reported decision, however, dealt with those preliminary procedural objections; it should not be misquoted as authority that every bankrupt is entitled to a five-year travel approval.
9. Lim Moon Heng @ Lim Boon Siang v The Government of Malaysia & Anor [2002] 2 MLJ 499; [2002] 2 CLJ 659 — bankrupt lost. Although the bankrupt had obtained permission from the bankruptcy authority and furnished a RM50,000 bank guarantee, the Inland Revenue authorities separately relied on section 104 of the Income Tax Act 1967 to restrict his travel. The High Court held that the tax authority’s statutory power remained independent; insolvency permission did not neutralise the tax restriction.
10. Tai Choi Yu v Government of Malaysia & Ors [1994] 1 MLJ 677 — taxpayer lost. The Supreme Court upheld the statutory operation of the section 104 tax travel restriction. Together, these authorities establish the practical rule: a bankrupt may apply to the DGI or Court and may be legally represented, but every separate statutory travel restriction must also be cleared.

Conclusion

9. The practical conclusion is straightforward. A child’s wedding, funeral, serious family matter and genuine overseas employment provide identifiable grounds for an application. A child paying for the trip establishes the source of funds but does not create an automatic exemption. Regular instalment payments are important evidence of compliance but do not themselves confer a right to travel. There is no statutory universal maximum duration for overseas employment, and there is no fixed travel security applicable to every bankrupt. If an administrative application cannot secure the permission or duration genuinely required, section 38(1)(c) preserves the route of applying to the Court, and Lau Hieng Yee confirms that prior DGI sanction is not a prerequisite merely to approach the Court. Its old procedural rules, however, should not be copied mechanically because the present regime includes the Insolvency Rules 2017.
10. What is truly expensive is never the consultation fee but the wrong decision made to save it. In a bankruptcy travel matter, a careless explanation, incomplete financial record, undisclosed restriction or wrongly structured application can destroy an otherwise workable case.
11. Obtain a paid consultation with Wilson Kuek and his professional team before acting; where formal representation or a court application is required, appoint lawyers early. WhatsApp Wilson Kuek 019-2286668 (https://wa.me/60192286668) / Legal Firm 016-3229368 (https://wa.me/60163229368).
12. Related reading on kuekong.com:

• Bankruptcy concerns and how to obtain discharge,
• Travel restriction blacklist,
• How to check whether an individual or company is bankrupt, and
• Can a bankrupt employee pursue an Industrial Court claim?

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 1.破产后可以出国吗？2026马来西亚破产者出境申请完整指南 | Can a Bankrupt Travel Overseas? Malaysia 2026 Guide 2. 破产了还能出国？孩子婚礼、丧礼、旅游怎样申请 | Bankrupt but Need to Travel? Wedding, Funeral and Holiday Applications 3. 马来西亚破产者怎样申请出国？破产局批准条件一次看懂 | How Can a Malaysian Bankrupt Apply to Travel Overseas? 4. 破产每月有还钱，可以出国吗？ | Can a Bankrupt Travel If Monthly Instalments Are Paid? 5. 孩子赞助破产父母出国旅游，破产局会批准吗？ | Can a Child Sponsor a Bankrupt Parent’s Overseas Trip? 6. 破产者能出国参加孩子婚礼或亲人丧礼吗？ | Can a Bankrupt Attend a Child’s Wedding or Family Funeral Overseas? 7. 破产者出国工作可以批几年？ | How Long Can a Bankrupt Work Overseas? 8. 破产出国需要保证金吗？多久批准？ | Does a Bankrupt Need a Deposit to Travel and How Long Is Approval? 9. 破产人士出国申请：7个工作日、3天处理、证据怎样准备？ | Bankruptcy Travel Application: 7 Working Days, 3-Day Processing and Evidence 10. 破产不能出国怎么办？KPI批准、法庭申请与黑名单完整分析 | Bankruptcy Travel Ban: DGI Approval, Court Application and Blacklist Explained

1.破产了，还能飞吗？ | Bankrupt—Can I Still Fly? 2. 孩子结婚，我却不能出国？ | My Child Is Getting Married—Can I Leave Malaysia? 3. 破产者的机场最后一关 | A Bankrupt’s Final Airport Check 4. 每月还钱，为什么还是不能出国？ | Paying Monthly but Still Cannot Travel? 5. 一张出国批准信的重要性 | The Approval Letter That Lets You Travel 6. 破产后出国工作之路 | Working Overseas After Bankruptcy 7. 孩子出钱旅游，破产父母能去吗？ | Child-Sponsored Holiday for Bankrupt Parents 8. 婚礼在国外，父母却被限制出境 | Overseas Wedding, Parent Under Travel Restriction 9. 破产、护照与出境黑名单 | Bankruptcy, Passport and Travel Blacklist 10. 出国前先查清楚 | Check Before You Fly

1.马来西亚破产可以出国吗 Can bankrupt travel overseas Malaysia 2. 破产人士出国申请 bankrupt overseas travel application Malaysia 3. Insolvency Act 1967 Section 38(1)(c) 马来西亚 Jabatan Insolvensi Permohonan Ke Luar Negara 5. e-Insolvensi 出国申请 e-Insolvency overseas travel application 6. 破产每个月还钱可以出国吗 bankrupt monthly instalment travel 7. 破产参加孩子婚礼 bankrupt attend child wedding overseas 8. 破产参加亲人丧礼 bankrupt attend funeral overseas 9. 孩子赞助破产父母旅游 child sponsor bankrupt parent holiday 10. 破产出国工作 bankrupt work overseas Malaysia 11. 破产出国工作可以几年 bankrupt overseas employment duration 12. 破产出国需要保证金吗 bankrupt travel security deposit Malaysia 13. Bayaran Kredit Estet keluar negara 14. 破产出国多久批准 bankruptcy travel approval processing time 15. 破产出国7个工作日 permohonan keluar negara 7 hari bekerja 16. 破产出国3个工作日处理 e-Insolvensi 3 hari bekerja 17. 破产出境黑名单 bankruptcy immigration blacklist Malaysia 18. KPI批准出国 Director General Insolvency travel permission 19. 破产向高庭申请出国 bankrupt court permission leave Malaysia 20. Lau Hieng Yee bankrupt overseas travel Malaysia