Categories意见

2021年03月15日


丹斯里林景清
怡克伟士董事经理
依斯干达海滨控股董事

 

这次2019冠状病毒病疫情所造成的影响是非常全面的。不管你是什么行业,也不论你是刚起步的中小企业,还是在市场屹立多年的大集团,所有人都同样受到严重的冲击,任何人也避免不了。

在房地产发展行业,随着疫情引起的经济环境变化,保守估计,买房的需求会因而至少减少一半。

这是因为很多潜在的买家都受到暂时停工、减薪,甚至被裁员的影响,从而陷入经济困境,并且拖累整个市场的情绪。

因此,在这种低迷的行情与氛围中,不管是首购族或投资者,都很可能会将买房计划延后,以保留资金应付当前的局势,从而导致买房需求在无形中减少。

发展商要如何应付这样的情势呢?我认为他们如今应该立即在项目与营运方面,进行符合永续原则的策划与调整。

举例来说,对于那些已在兴建当中的现有项目,如果建筑进度仅达一半,他们应该对其中单位的设计、营销配套、销售策略与定价等进行调整,来应对如今的市场环境。

假设该项目当中的单位,原本是打算置入高档的全面装潢与附送家具的设计,这个时候就可以考虑把当中不必要的元素剔除,保留基本实用的配备,并以较低的价格售卖。

这是因为, 随着买房需求出现变化,发展商必须重新评估有关项目的目标买家市场,否则,项目建竣后无人问津,就会对目前的经济发展雪上加霜。

对于那些已支付订金、但现在受到疫情影响而买不起房的人们,发展商可以拟定一套先租后买的配套,让他们在一定期限内先租用属意的单位,待情况好转后才购买。

在目前的经济环境,先租后买是一个相当值得发展商探讨的策略,因为这不但可以缓和发展商在流动现金方面的压力,也可以让很多收入受影响的买家受惠。

这是一个考验发展商的坚持与应变能力的关键时刻,只有那些能够及时作出调整并实践永续策略的企业,才会在这场疫情之中生存下来。

此外,政府、这些发展商的旗下员工,还有其他行业的商家企业也要携手合作,才能共同渡过这次的严峻考验。

需贷款优惠供资金周转

除了各家企业的追求和实践,房地产与建筑行业的永续发展是需要政府给予支持的,否则很难显著推动该行业的永续议程,也会费时很久才看到这方面的成果。

以目前的情况来说,政府应该让银行对发展商给予延期偿付贷款的协助,来减轻他们在行动管控期间所面临的冲击。在这个接近一个月的时间,大部分人都被要求待在家中不能出门,从而影响了房地产项目的销售。

而许多项目的停工,也对发展商与建筑商的财务情况造成冲击。

因此,在资金允许的情况下,政府应该尽可能提供优惠贷款给这些企业,帮助他们完成那些正在进行中的项目。

而在发展商方面,一旦获得这类贷款,他们也应该设法让这些资金带来的经济效益扩展到更多行业,来带动整个经济的运转。

多使用国货降低成本

具体而言,发展商这个时候应该多支持国内生产制造的产品,以确保国内的经济持续运转,这样才能帮助国家更快地摆脱疫情所带来的阴霾。

这方面所能带来的经济效益是不容小觑的,尤其是在连带影响超过140个行业的房地产业,一旦这些资金流入各个涉及的本地行业,有关的员工就会有稳定的收入。

而这些员工当中,有很多都是潜在的房屋买家及投资者,因此在收入获得保障的时候,他们就会落实买房计划,因而促使经济不断运转。

至于供应商方面,他们应该尽量为产品提供折扣,尤其是那些有大量存货的产品,这样才能帮助发展商降低成本。

另一方面,有些发展商的中高层企业员工,自早前房地产市场蓬勃增长的时期,就开始领取高额补贴或奖励的,如今应该考虑减少领取这方面的收入,帮助雇主降低成本。

实际上,雇主的财政压力是逐年增加的,这都是归咎于各种经商、营运、税务与合规成本等开销的走高,加上整体经济环境疲弱影响盈利,都是令雇主们头疼的难题。

长期而言,房地产行业肯定还是国内经济发展的重要推动力之一,关键是企业是否能够渡过如今这个考验。

而如同我所强调的,当中最重要的就是政府、企业与消费者都要团结合作,只有在困境中互惠互助,才可以确保所有人都克服疫情成为赢家。

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    property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

    Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

    You will on demand indemnify and keep indemnified property.eNanyang.my from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by property.eNanyang.my in connection with or arising from (1) your use or misuse of this web site and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against property.eNanyang.my in connection with your use of this web site.


    property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

    The failure of property.eNanyang.my to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. All rights not expressly granted herein are reserved.

    These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this web site and/or using the services provided herein by property.eNanyang.my, you hereby agree to submit to the non-exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this web site.

    私隐政策声明

      You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

      In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

      • Name;
      • Address;
      • Phone Number;
      • Fax Number;
      • Date of Birth;
      • Email Address;
      • Gender;
      • Bank Information;
      • Identity Card Number; or
      • Credit Card Information

      Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

      • to process your application and/or request for our products and/or services;
      • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
      • to provide you with the products and/or services you have requested or subscribed;
      • to understand and analyse our sales, your needs and preferences;
      • to develop, enhance, market and provide products and services to meet your needs;
      • to conduct marketing activities;
      • to direct market to you;
      • to determine how we can improve our services to you;
      • to process exchanges or product returns;
      • to process payments to you;
      • to enable you to participate in promotions and contests;
      • to investigate and resolve any service issues;
      • to keep in contact with you and better manage any business relationship we have with you;
      • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
      • for debt collection purposes;
      • to respond to requests or complaints;
      • for future business opportunities and transactions;
      • for audit, compliance and risk management purposes;
      • to meet legal and regulatory requirements; or
      • for all other purposes incidental and associated with any of the above;
      collectively known as the “Purposes”.<

      Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

      1. law enforcement agencies;
      2. government agencies;
      3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
      4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
      5. our business associates in or outside Malaysia;
      6. to share the information with trusted business partners for the provision of their services
      7. any parties to whom you have given us your express or implied consent to disclose; or
      8. to such other parties as may be permitted under the laws of Malaysia.

      You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

      Designation: Data Privacy Officer
      Telephone: 03-7872 6921
      Fax: 03-7872 6994
      Email: pdpa@nanyang.com.my
      Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

      We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

      This notice was updated: 5th February 2014

      © 南洋商报有限公司版权所有 | Copyright Nanyang Siang Pau Sdn. Bhd.(6164-V)

      电邮:prop@eNanyang.my

      地址: No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia

      电话: +603-7872 6888

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        The following terms and conditions apply to your access and the use of this Web Site and the Services provided herein by Nanyang Siang Pau Sdn Bhd. (hereinafter referred to as “eNanyang.my” and “property.eNanyang.my”). By accessing any page of this Web Site and/or using the services, you agree to be bound by these terms and conditions without limitation or qualification. If you do not accept these terms and conditions, please immediately discontinue access to this Web Site and/or use of the services.

        The information, products and services described or offered on this web site are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject eNanyang.my or its subsidiaries or affiliates to any registration requirements within such jurisdiction or country. The materials, information (including opinions, commentary and recommendations) and functions provided in this web site shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

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        私隐政策声明

          You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

          In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

          • Name;
          • Address;
          • Phone Number;
          • Fax Number;
          • Date of Birth;
          • Email Address;
          • Gender;
          • Bank Information;
          • Identity Card Number; or
          • Credit Card Information

          Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

          • to process your application and/or request for our products and/or services;
          • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
          • to provide you with the products and/or services you have requested or subscribed;
          • to understand and analyse our sales, your needs and preferences;
          • to develop, enhance, market and provide products and services to meet your needs;
          • to conduct marketing activities;
          • to direct market to you;
          • to determine how we can improve our services to you;
          • to process exchanges or product returns;
          • to process payments to you;
          • to enable you to participate in promotions and contests;
          • to investigate and resolve any service issues;
          • to keep in contact with you and better manage any business relationship we have with you;
          • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
          • for debt collection purposes;
          • to respond to requests or complaints;
          • for future business opportunities and transactions;
          • for audit, compliance and risk management purposes;
          • to meet legal and regulatory requirements; or
          • for all other purposes incidental and associated with any of the above;
          collectively known as the “Purposes”.<

          Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

          1. law enforcement agencies;
          2. government agencies;
          3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
          4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
          5. our business associates in or outside Malaysia;
          6. to share the information with trusted business partners for the provision of their services
          7. any parties to whom you have given us your express or implied consent to disclose; or
          8. to such other parties as may be permitted under the laws of Malaysia.

          You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

          Designation: Data Privacy Officer
          Telephone: 03-7872 6921
          Fax: 03-7872 6994
          Email: pdpa@nanyang.com.my
          Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

          We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

          This notice was updated: 5th February 2014

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