Categories趋势

2021年10月18日

独家报道:李治宏、林嘉珉

2022预算案愿望清单,
各大发展商会有惊喜吗?

2022年财政预算案即将于本月29日公布,每年这个时期,大家都对次年的财政预算案抱有各种期望,今年当然也不例外。

尤其是走过了将近2年的疫情艰难时期,经济全面重启的这个时候,各行各业莫不期望2022预算案能造惠他们,让业务重新步入正轨。

国内各大发展商又期待明年的预算案会有哪些“糖果”呢?

发展商去年10月在2021年财政预算案出炉前许下的7大愿望,有2个已经实现了,4个继续列入2022年预算案愿望清单中,1个则在今年的愿望清单旁落。

那对于2022预算案,发展商们的预算案愿望清单上,还有哪些期许呢?

《南洋商报》向6家上市产业发展公司搜集的愿望清单发现,发展商对2022预算案有5大共同愿望,即(一)放宽房贷条件(尤其是针对首购族)、(二)调低外国人置业门槛、(三)继续延长拥屋计划(HOC)、(四)降低合规成本,以及(五)撤销产业盈利税(RPGT)。

发展商争取重启未遂的DIBS,今年仍在大部分发展商的愿望清单榜上有名,他们都希望政府能重启这项房屋融资计划,尤其是让首购族可善用这项措施来达成居者有其屋的梦想。

此外,去年发展商建议重启MM2H的愿望虽然已经实现,但偏高的门槛和条件,令发展商不约而同的促请当局检讨和调整。

力助首购族拥屋

林木生集团(LBS,5789,主板产业股)执行主席丹斯里林福山说,政府应特别关注实施适当的措施,以减轻受疫情影响的首购族和有能力购屋者的负担。

他指出,HOC的延长对住宅产业市场产生了正面的影响。根据国家产业资讯中心(NAPIC)的最新数据,今年上半年,除了整体产业按年增长21%(今年上半年产业总交易量13万9754单位,相对去年同期为11万5476单位),其中65.8%售出的产业为住宅产业,这个比率稍高于去年同期的65.2%。

林福山

需补充的是,今年上半年成交的住宅产业当中,高达81%是售价50万令吉以下的单位,显示购屋者选择产业时,是否有能力负担,仍是一大考量因素。

因此,随着我国逐步恢复到疫情前的正常状态,希望政府考虑永久实施HOC,而售价的首100万令吉可享有全免印花税的优惠。这将确保建筑和房地产发展领域的整个供应链不受干扰,同时维持购买情绪。

梁海金

应放宽MM2H条件

马星集团(MAHSING,8583,主板产业股)建议政府放宽MM2H的各项条件,包括降低最低收入、流动资产和定期存款的标准、定制申请类别以及保持10年有效期等,保留目前在此计划下的签证持有人,加强我国竞争力和鼓励更多符合条件的外国人在马投资。

该集团创办人兼董事经理丹斯里梁海金说,政府重启MM2H后实施的各项严苛新条款,或将吓走有意选择大马作为第二家园的外国人。

“希望政府考虑实施较为宽松的条件,以留住现有的MM2H签证持有人,并继续在周遭邻国的竞争中占有优势,鼓励更多合格的外国人选择在大马定居和投资。”

他认同各大工商组织和协会的看法,希望政府考虑以下数项建议:

● 降低MM2H参与者最低收入、流动资产和定期存款的门槛,而非大幅提高。

● 为不同的外国申请者量身定制不同类别的申请。

● 所有现有的MM2H签证持有人不应受到新规则的影响。

● MM2H签证的有效期应保持为10年。

林景清

让私人界参与基建

怡克伟士(EKOVEST,8877,主板建筑股)董事经理丹斯里林景清说:“政府为了抗疫耗资无数,所以我建议在这次的预算案上,政府应多让私人界参与基建项目发展,为国家复苏出一份力,让大马加快摆脱疫情阴霾。”

他接受本报专访时说,为了进一步活络经济,他认为政府可以提供税务优惠,以激励本地建筑活动。

“例如可奖励尽快开工的建商部分税务豁免优惠,这能激励建筑活动,直接开创就业岗位。”

同时,他还建议政府可以提供税务优惠,以吸引外资流入,好加速我国经济发展。

另一方面,尽管疫情重挫许多大马人财务状况,但政府仍应继续支持人民“居者有其屋”的梦想,因此,他建议延长将在今年底结束的HOC。

刘毅德

降成本拉低屋价

要降低屋价,让更多国人完成居者有其屋的梦想,降低发展商的合规成本将是一大关键。

置地通用(L&G,3174,主板产业股)董事经理刘毅德就直言,减低产业规划与发展阶段的合规成本,有助于减低整个发展项目的发展成本,最终也将拉低产业售价。

百乐园(PARAMON ,1724,主板产业股)指出,房屋成本上涨仍是当今的主要问题之一,迫切需要解决这个问题,以使房产更实惠。

该集团副总执行长张宗贤说:“因此,我们的预算案愿望清单上第一项就是降低营运成本,尤其是合规成本。我们也希望当局解决建筑材料成本上涨的问题。

张宗贤

钢价飙涨40%

“单是去年,钢筋就上涨了20至30%,甚至高达40%,导致房屋成本扬升。”

梁海金指出,根据大马房地产发展商会(REHDA)的一项调查,合规成本去年下半年仍是影响发展商现金流的重要因素,而合规成本扬升,是因为必须遵守政府在疫情新常态下实施的各项标准作业程序,包括2019年员工房屋、住宿和设施基本标准修正法令(446法令),以及钢筋价格等建材成本出现通胀现象。

“希望政府可以检讨并降低合规成本,包括让私人公用事业公司的资本支出由各自的资产所有者承担,以便将节省的资金转嫁给买家。”

振兴产业(CHGP,7187,主板交通和物流股)总营运长黄邦翔同样认为,住宅市场的可负担课题仍悬而未决,很大程度上归咎于发展商的合规成本太高。联邦和各州政府必须采取共同努力,降低发展商的各类合规成本。

“希望检讨和削减合规成本,例如土地拥有权转换税和批准发展费用,以及支付给私营能源公司,用在水电和污水处理的基建费用。”

黄邦翔

税务优惠可刺激市场

黄邦翔说,基于产业市场正经历一段滞胀或下跌时期,2022年预算案不应只着手于解决产业滞销课题,也必须同时刺激整个领域。

他说,拥屋计划除了应延长,更应同时适用于新屋和二手屋交易。

为了刺激产业市场,新屋和二手房屋无论是什么售价,都必须同时享有购买住宅产业(包括被当局归类为商用产业的服务式公寓在内)豁免缴纳转让备忘录印花税的优惠。

“同样的,售价300万令吉和以下的住宅和商用产业,都应豁免缴纳产业盈利税。”

银行应放宽贷款

张宗贤说,许多潜在购屋者在获得最终融资(房贷)方面面临困难。为此,希望银行检讨这个问题,并考虑更多的便利,尤其是在处理房屋首购族的房贷申请时。

他说,政府去年重启HOC、豁免产业盈利税、豁免房屋买卖合约印花税、豁免房屋贷款印花税等措施,已证明有助于刺激房屋销量和增加拥屋比率,尤其是首购族,这些措施都应该延长,继续实行。

刘毅德建议政府允许雇员公积金局(EPF)会员提款购买第二间房屋,将可鼓励更多人进行房产升级,以及进行产业投资。

“如果购屋者的EPF第二户头存款,不足以让他们在购买产业时一次过付款,则可允许他们分成几次提取EPF存款,分期付款给发展商。(延后分期付款计划)从每月缴纳公积金的存款中提出部分,作为每月的房贷还款。

“为让更多B40和M40群体置产,将合格的B40和M40购屋者可获得的房贷额度提高到95%,甚至100%。”

调降外国人置业门槛

发展商纷纷呼吁政府调降外国人来马置业的门槛,以吸引更多外国人来马购屋,带动买气。

目前,外国人购买产业最低门槛因州而异。

梁海金希望政府划一所有州属最低门槛为60万令吉,特别是在巴生谷、柔佛和槟城等滞销最严重的州属。

“目前令吉汇率偏低,它将吸引外国人投资有形资产,这将有助于减少滞销产业。”

林福山指出,过去多年来,大马一直是外国企业派驻的中心,降低外国人来马置业的门槛,将有助于刺激产业销量和减少滞销产业。

他建议将全国各州的外国人购屋门槛划一降低至50万令吉,这将协助拥有大量未能出售而空置单位的发展商,为其他发展项目腾出较宽松的现金流。

刘毅德建议,将外国人在巴生谷、柔佛和槟州置产的最低门槛下修至80万令吉,因为这3个地区是外国人移民大马和进行投资时的主要去处。

黄邦翔则认为,应该把外国人在吉隆坡和雪兰莪州置产的最低门槛,从目前的各为100万和200万令吉,调低至划一为70万令吉。

张宗贤说,如果我国政府推出更多有针对性的措施或奖掖,例如放宽产业盈利税,会让大马的房产更具有吸引力。

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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.

    Although this site may contain or provide access or links to information, opinions or recommendations on products and services of property.eNanyang.my or other parties, does not represent that such products or services, opinions or recommendation are suitable for you. All transactions are done at your sole risk and responsibility and in reliance only upon your own judgment and you will make your own independent evaluation of the suitability of the recommendations, products and services obtained, offered or accessed through this web site. Further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information. This site shall have no responsibility or liability to you in respect of any opinions or recommendations expressed by it or any other parties on this site. None of this information, opinions or recommendations contained in this site constitutes solicitations or offers by property.eNanyang.my to sell/buy any products or services, provide any investments or financial advice or an invitation to enter into any legally binding contract or arrangement with you. Your eligibility for any particular products or services is subject to the final determination and acceptance by the Companies.

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    Unless otherwise indicated, Malaysian copyright law and international treaties protect all editorial content, graphics, video and soundbites on this site. No part or parts hereof may be reproduced, reused, distributed, adapted, modified, republished, displayed, broadcast, framed, copied or transmitted in any manner or by any means or stored in an information retrieval system without the express permission of property.eNanyang.my who reserve all rights. You also may not without our express prior written content, insert a link to this web site on any other web site, frame or “mirror” any material contained on this web site on any other server. Permission to use Nanyang Siang Pau Sdn Bhd (eNanyang.my and property.eNanyang.my) proprietary content is only granted on a case-by-case basis. Please direct your enquiries to prop@eNanyang.my. The material from this web site is only available for off line informational and non-commercial uses. For such use the content and/or graphics must not be modified in any way. All copyright and other notices on any copy are retained. You may not copy or adapt the HTML code that property.eNanyang.my create to display pages. This also is covered by Nanyang Siang Pau Sdn Bhd copyright. The “look” and “feel” of this web site and its subsites also are trademarks of eNanyang.my. This includes the site colour scheme, button shapes, layout, and all other graphical elements. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of property.eNanyang.my web site may be in breach of statutory or common law rights which could be the subject of legal action. property.eNanyang.my disclaims all liability which may arise from any unauthorised reproduction or use of this web site.

    All trademarks, service marks and logos displayed in this web site are the property of property.eNanyang.my and/or their respective third-party proprietors as identified in the web site. Unless the prior written consent of property.eNanyang.my or the relevant third-party proprietor of any trademarks, service marks or logos appearing on the web site has been obtained, no license or right is granted to any party accessing this web site to use, download, reproduce, copy or modify such trademarks, service marks or logos. Similarly, unless the prior written consent of property.eNanyang.my or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the property.eNanyang.my web site or any other site. Just as property.eNanyang.my requires users to respect our copyrights, and those of our affiliates and partners, we respect the copyrights of others. If you believe in good faith that your copyrighted work has been reproduced on our site without authorisation in a way that constitutes copyright infringement, you may notify our designated copyright agent either by mail to Nanyang Siang Pau Sdn Bhd, No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor, Malaysia or by email to prop@eNanyang.my.

    This site is available “as is” and “as available” basis. We do not warrant that this service will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this web site. We are not responsible for the availability or content of other services that may be linked to this web site. We do not make any warranties, express or implied, including without limitation, those of merchant quality and fitness for a particular purpose, with respect to this web site or any information or services that are available or advertised or sold through this web site. We do not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this web site or available through links in this web site. We reserve the right to correct any errors or omissions in this web site. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “Trojan horses” or other destructive materials to this web site, we do not guarantee or warrant that the materials that may be downloaded from this web site do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on this information and any materials available through this web site, you do so solely at your own risk. Without derogation of the above and/or terms and conditions of the applicable agreements governing all the information and services of the web site, reasonable measures shall be taken by property.eNanyang.my to ensure the accuracy and validity of all information relating to transactions of products and services of related web site.

    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.


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    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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        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.

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        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

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