In this situation, the standard loan termination process will take place. Below are the options available to the next-of-kin.

Settle the outstanding Skim Saraan Bercagar Loan
The outstanding amount  will depend on the loan tenure. After settling the outstanding amount, the property will be passed back to the next-of-kin.

Not settle the Skim Saraan Bercagar Loan
If the next-of-kin chooses to not settle the loan, Cagamas will proceed to dispose the property and settle the outstanding loan. Any balance in the sale proceeds of the property, after subtracting the loan amount, will be passed on to the borrower’s estate.