Categories趋势

香港业主 妥协降价卖屋

2022年02月17日

不降价卖,
怕以后会更低价……

全球疫情再度升温,香港继续坚持“清零政策“,并实施迄今最严厉的社交距离措施,连私人场所都需遵守限聚令。

香港两家最大的房产中介机构指出,这令许多房屋业主愿意降价,只求快把屋子卖出去。

美联物业房屋业务部门的总执行长萨米鲍(译音)在接受采访时透露,有业主愿意将原先的要价,降低高达10%;而中原地产代理住宅业务部门负责人陈路易斯(译音)则透露,还有一些等不及的卖家,愿意降价的幅度更大。

陈路易斯预期,近期房价可能会下跌3至5%;早前,花旗集团预期,今年的房价可能下跌高达10%。

瑞银也认为,由于人口持续外流,利率即将上行,再加上内地对资本外流的限制,以及内地经济增长放缓等因素,香港的住宅价格今年料将下跌。

Categories趋势

出个差 房子就落他人手中……

2022年02月4日

出差不在家,
房子就换主人了……

如果你到外地回到家,发现家里的钥匙打不开,东西全不见,还有装修工人在忙碌,甚至还有自称业主的人把你赶出去,你会不会觉得自己“穿越”到另一个平行时空了?

不要以为自己只是在做梦,在英国一位名叫麦克霍尔的男性,就真真切切发生此不幸事件了!

根据东森新闻,去年8月出差在外的麦克霍尔接获邻居通知,位于卢顿(Luton)的家里灯全都亮着,屋内还有人,吓得他隔天马上回家查看,没想到更令他惊吓的事情还在后头。

不仅门锁被换掉而无法打开,开门的竟然还是装修工人。进去一看,屋内的家具、地毯、窗帘全都不见,家中的摆设在短短几天就截然不同了。

听到装修工人说雇佣他们的另有其人,他气得想要报警并说:“我还没有卖掉房子,这间屋子是我的”,装修工人连忙联系新屋主,而对方的父亲来到现场强调,自己早就买下这栋房子。

而且,新屋主父亲还痛骂麦克霍尔是非法入侵,要他马上滚出去。

警方调查时发现,麦克霍尔被盗用身份,被他人以13.1万英镑(约74.21万令吉)卖出,所以房子已经在新屋主的名下。

据参与物业交易的律师表示,警方仍在进行调查。

Categories意见

承包商犯错 业主随时坐牢

2021年12月19日

张惟越
佳得楼宇管理有限公司

 

在法律上,
业主有责任确保承包商依法行事……

公寓单位业主,请记得委任承包商时,也要监督哦!

某栋坐落在吉隆坡的公寓大楼,业主面对水喉漏水的问题。

由于发生当天是星期日,按照公寓“家规”(House Rules),公共假期与星期日皆不能施工,但管理处经常还是酌情处理影响民生的急事,如关乎水或电相关事宜,都归类为需要即刻处理。

酌情处理惨被误用
公寓管理层随时随地给予最大的配合,好让维修活动得以顺利进行,就算遇上公共假期或星期日,也尽可能提供方便,然而,就在某个星期日,发生了让管理处极为头疼的事——管理层给予的方便被错误运用!
话说,某个单位的业主雇用了水喉匠(俗称水喉佬)维修水表后的漏水问题,但不知何故,水喉匠在维修过程中把水表前(属于物管负责的部分)的水喉也弄破了。

这时候,有关业主或“水喉佬”理应通知管理处,但该“水喉佬”不但没通知业主,反而把破顺的水表也拆除了。

星期日正是管理处一般职员的假日,加上当值的保安人员疏忽,没有在维修后再检测,就让“水喉佬”离开了,也因为这样衍生了纠纷。

物业管理的其中一项责任,就是每当业主雇用的承包商完成工作后,需巡视一番,确保一切都符合规格,才能将先前支付的抵押金,退给有关的承包商。

到了星期一,管理处技术人员再巡视该水喉工程时,发现水表少了一个后,立即通知楼宇经理。

由于事态严重,我们马上联络该单位业主询问详情,结果该业主表示不知情,只是在汇报完成维修,确认有水源后,便支付了维修费,并没到水管房查看。

业主过后递上“水喉佬”的联络号码给管理处,在保安人员查问过程中,“水喉佬”试图推卸责任,表示只是跟着业主的指示完成工作。

但基于事态严重,我们指示保安人员从多个角度旁敲侧击后,知晓该“水喉佬”确实是业主雇来维修水喉,但可能因为功夫不到家,维修时把水表前的水喉也弄破了。

知道自己闯祸的“水喉佬”草草收工后,向业主索取维修费就快速离开,留下的“烂摊子”自然而然就是管理处来收拾。

在这里温馨提醒大家,该“水喉佬”擅自拆除水表的举动,已经让雇用他的业主间接犯了“盗窃罪”!

该单位业主在不知情下成了“偷水犯”,如果管理处在处理这件事时稍有不慎,而把维修保证金也退还给业主,管理处也将成为“串谋欺骗”水务局的共犯!

罪成最高罚10万监1年

虽然犯罪的是“水喉佬”,但提醒业主,在法律上来说,真正得为这件事“负责”的其实是业主,一旦被控上庭,业主将成为案件第一答辩人。

毕竟,业主身为物业的合法登记人,有责任确保他所委任的承包商根据法律行事,而这件事的所有证据都直接指向业主就是“偷水犯”。

切记,委任有职业操守的水喉工,同时给予管理处最大的配合,才能最大程度保障业主的权益。

管理处就好比是为业主把关的第三只眼,借助我们的双眼帮业主审查,才不会犯了法还不自觉。

若管理处没有察觉此事,而是由水务局发现,那犯罪的不只是单位业主,代收水费的公寓居民委员会也间接成了共犯,一旦被提控,若罪成,最高刑罚可是10万令吉和坐牢一年。

Categories趋势

商场租用率回升=零售回春?

2021年12月14日

购物广场的冬天要过去了?

新冠疫情打击经济的力度,零售业可说是首当其衝。

国内购物中心租用率连跌5年,在去年末季跌至谷底77.5%,写下2003年以来最低;至今年第三季报76.6%。

根据国家产业资讯中心(NAPIC)发佈的第三季数据顯示,购物中心租用率今年首三季均持平在76.6%;2019年疫情爆发首年79.2%。

可是,不要以为今年租用率得以持平,就是没有恶化,事实上,租用率没有恶化,是因为这期间有些购物商场已熄灯,步入历史。

当中,雪州的e-Curve就在不久前关闭。

国家产业资讯中心的报告显示,首季统计的购物中心总面积1696万平方公尺,但到了今年第三季总面积少了8万平方公尺,来到1688万平方公尺。

而租用面积也从去年末季的1306万平方公尺,萎缩了14万平方公尺,报1292万平方公尺。

反映出租用率由77.5%走到76.6%,无关更多人在购物中心开店。

人流銷售猛挫90%

购物中心协会(PPK)之前发布了向业者进行的调研结果,过半购物商中心流失60%至90%客流量和销售额。

报告说,65%购物中心流失了60%至90%销售额,而60%商场人流重挫60%至90%。

该会提到,销售大跌并非只发生在服饰等只是民生“想要”的产品,就连销售必需品的业者也经历了惊心动魄的业绩下挫。

“为了和零售业者共赴时艰,不少购物中心业主也提供高额回扣,有者甚至减半租,希望租客可以维持经营。”

但越来越多零售业者无法承担租金,该会也提到,约30%商场业主回应调研说,超过70%零售租客无法交租,约半已经欠租长达一年。

这项调研在7月进行,全国有94间购物中心参与,当中63%位于雪隆区。

Categories问诊室

不穿泳装 泳池维护费会更贵?

2021年12月4日

物管专家:张惟越
物业管理人
佳得楼宇管理有限公司
kenteo.my@gmail.com

 

问:

张先生,您好!

最近召开公寓的常年大会,有人提出泳池维护费太贵,管理层反映是因为居民没有好好使用泳池,比如说穿着非泳装进入泳池,造成维护费更高。

请问一般泳池维护费的合理价如何判断?在这方面物业和居民分别应负起什么样的责任?

Derek


答 :

Derek,您好!

建议您聘请,合格的机电工程顾问(M&E Consultant)和专业的泳池建设商来进行损坏评估。

泳池的一般保养费用,取决与泳池的大小、蓄水量、封闭性、气候、雨水量以及采用的消毒系统来定夺。基础上淡水池消毒系统的日常保养费比咸水池消毒系统来的高,但是咸水池的建设费用却比淡水池来的高。

业主的不良使用行为,确实会对消毒系统带来负担,并加速损耗,长期增加维修保养费用。

对于业主的不良使用行为,除了劝导外,就是罚款了。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。

 

Categories趋势

全球最贵租商业街 租金急泻

2021年11月12日

一场疫情,
购物天堂风光不再!

香港,全球著名的购物天堂。到香港旅游,除了一般的观光,大家肯定是不停地买、买、买!一个行李箱去,5个行李箱回!

从中环的置地广场、国际金融中心商场、金钟的太古广场,走走看看买买高档次、高价格的商品,再转战铜锣湾的时代广场、崇光百货、尖沙咀的半岛酒店商场、海港城、新世界中心、沙田的新城市广场,买个不亦乐乎!

最后,当然不能忽略油麻地、旺角一带,逛逛一些比较平民价的店铺,趁机扫货!

但,这都是几年前的景象了……

香港最主要的商业及娱乐场所集中地——铜锣湾,也是全世界租金最贵的地段,据说每年平方公尺可以达到2745美元(1.14万令吉),去年开始,受疫情的影响,往日繁华陷入冰封状态,最为明显的,便是铜锣湾商区的租金,已累计下挫约41.3%。

近日,香港高端商业街的业主们更被提醒,醒醒:月租100万美元(约415万令吉)的好日子已经结束。

房地产服务商戴德梁行(Cushman & Wakefield)数据显示,香港三大高端购物区的租金接近十多年来的最低水平,罗素街上业主的要价,较大约8年前的峰值打了近八折。

罗素街,在2019年的调查中,商铺租金是全球最高的。

今年年初,就有报道指,昔日在罗素街的全球知名护肤品牌Kiehl’s店铺,已变成了售卖手机配件;铜锣湾黄金广场的六福珠宝换成了一间口罩店……

有位地产中介的高管就说,“如果你在中环这样的核心地段有一家商铺,你不会想把它租给一家卖口罩的公司的。”

他补充说,目前奢侈品零售销售低迷,替代品寥寥无几。“业主必须接受现实。”

根据戴德梁行,九龙半岛的尖沙咀、铜锣湾和中环是2020年亚洲最贵前十购物区之三。出于疫情,该公司没有发布该年的全球报告。

Categories趋势

现金是王道 招租要快狠准

2021年09月6日

独家报道:梁文清

2019冠状病毒病(Covid-19)疫情肆虐超过年余,
国内实施各种管控令及全面封锁,
打乱了各行业的营运,裁员减薪此起彼落……

建筑及房地产深受重创,甚至许多手握多间房产的投资者因疫情而慌乱,不知要抛售套现或是调整策略,让房产继续成为收入而非负担。

这次,财今对话特别邀来房产投资领域及相关人士,透过线上平台直播分享,为投资者分享实战经验与策略,同时分享国内现今房地产现况,助投资者找到正确方向。

此直播获得SPEEDHOME和《南洋商报》支持协办,并同步在各社交媒体平台播出。

王能杰(上左起顺时钟方向)、黄伟明、叶伟良及锺伟杰透过线上与国人分享疫情下的房地产投资策略与布局。

在疫情下被贷款压得喘不过气,而投资者或业主有什么解决方案或是策略,能迎刃而解呢?

失去租客的业主,又能如何快速将单位出租?毕竟,现金才是王道。

BRICKSMEN团队创办人叶伟良(Tony Yap)说,当去年3月份开始实施行动管控令,就有一部分人开始慌乱,但贷款问题,万变不离其宗。

现金流=租金-供期

“我一直提倡简单的方程式,即现金流等于租金减供期,这是每个有贷款的房产投资者都必须掌握的计算方式,因这能一眼看出,投资者是否面对现金流问题。若是负现金流,就说明租金少过供期,反之则是租金高过供期而握有现金流。”

叶伟良根据方程式提出解决方案,分别是开源节流、债务重组及提高租金。

“先从节流开始,可从供期方面着手,如延缓还贷或只缴付一半贷款等,即使有资金,还是建议申请延缓还贷。另外,就是债务重组,须谨记这将会导致每个月供期增加,但不失为解决方案,可助解决燃眉之急,但长远来说,加额还贷(top-up loan,再融资后,每个月贷款供款增多)是财务上的一个伤害。“

“而提高租金方面,则分为三大部分,分别是租客、产业价值及租金质量。”

他说,提高租金离不开寻找更好的租客或提高产业价值,让租客愿意付更多的租金,或是调整租金。

减租伤害在地居民

“更要了解现今出租市场趋势,若是减价出租会伤害当地居民、业主及自身利益,但‘非常时期要用非常手段‘,减价是最后一招,必要时亦可考虑日租或分租。”

他指出,时下凡事都应以短期目标为主,撑过3至6个月后,再看下一步。

他亦劝告投资者,当解决现金流后应深思,为何会被贷款压得喘不过气,是否买错产业,还是投资策略不对,或是个人财务状况没有控制好。

他建议多翻阅数据,加以分析再结合他人意见后,进一步消化,变为投资锦囊,但是在投资上还是要小心谨慎。

专家授数招  招租快而准

拥有14项产业及15名租户的Bricks Venture Capital兼Property Lab创办人锺伟杰(译音,Wai Kit)点出业主最大的烦恼,并授招如何管理产业及维持健康的现金流。

他说,只有2至3间房产出租,很多事情还可亲自处理,但超过5间便会因为各种琐碎小事需劳心劳力解决,而深感困扰。

他授招,可在同一个单位的几个租户中,挑选一个作为本身的“间谍”,当有任何事情,甚至是有租户忘了带门卡或是开门让修理员入屋更换一盏电灯,都能要求“间谍”帮忙解决,这方法非常有效。

因此,他总结管理产业需精明化,善用自动化系统管理产业。目前其拥有15名租户,年底可能还会额外增多9名。

他分享,购置产业前,就会制定多种出租策略,而个人较为倾向于出租房间,这将会减低投资风险,因相比整间出租退租的几率更为低,而且招租一间房间比一间单位较为容易。

此外,更要换位思考,以租户角度出发,自问是否愿意居住在这里,若是再以对的价格进场。

他解释,招租策略首要便是准,买房前做好功课及制定出租策略;第二则是要够快,须先比其他业主拿到钥匙及装修,以便能够更快地将单位投放出租市场。

他说,在疫情空窗期,单位无法出租,建议想办法为产业增值,如花点小钱重新将房间油漆及更换新家具,因人重视外在美,第一印象很重要,这将会提高点击率,出租率相对更高。

锺伟杰说,买房是一项长远投资,因此现金流非常重要,须守5至10年,若是想投资的产业在还没卖出去就已经在“烧钱”,就需谨记,买房前,先想好出租策略。

疫情未明勿加租

SPEEDHOME创办人兼总执行长黄伟明奉劝业主,采取以守为攻的策略,基于目前疫情未明朗,尽量不要提高租金,而是想办法留住租户。

他敦促业主勿因小失大,不要为了不舍得降价而失去租户,如原本租金为3000令吉,但不愿意折扣10%,可能最后也失去2700令吉的租金。减价出租不是问题,尤其是现在的情况。

“我们发现租户很在乎100至200令吉的租金折扣,举例:同区分别有两家租金分别为1300令吉及1200令吉的单位,但后者只用了1个星期成功出租,但1300令吉的单位过了两个月还是继续挂在出租平台上。”

但他说,不同的租客类型要有不同的策略,如排屋无需装饰,因这类租客都是从一个家搬进另一个家,但公寓的就需要有部分或全家具,因为公寓租客希望能拉个行李便能入住。

他说,目前最重要是是要有现金流,这才有保障。

迎合居家上班   多房单位受落

黄伟明发现,或许是因为居家上班,大部分租户都想要租赁多房间的单位,同时郊外房子的出租量也开始提高,这都是趋势。

“若以房间出租而言,主要地区还是落在八打灵、赛城及梳邦较为成熟的地区,这也是学生和专业人士选择的地区,因就业机会多和交通便利的优势。

“这也是买房时应纳入考量的因素,所以在买房前,必须做好租客策略。”

他认同要快速出租,首要是要有张漂亮的照片,其二是制定租客策略方面,要了解并满足租户的需求,以及投放在良好的出租平台上。

他分享主打雪隆区可负担房屋的SPEEDHOME数据,而这领域的需求还是很强劲,但去年3月份因为疫情而导致销售下跌80%,但今年管控令后则下跌40%,这有赖于线上看房的成功。

房价趋缓宜买房

叶伟良认为我国投资风气良好,因此投资是必须的,而最好进场的时间是昨天或以前,第二就是现在,目前房产有减缓的趋势,因此现在是买房时机。

他分享自身在08年踏入社会,那时大家想到的是几时购置第一间房,因为当时觉得一间公寓要价25万令吉是贵了,可是之后觉得是超值便宜,且薪资起伏没有太大,因此若继续下去,我国就会与香港及新加坡一样,宁愿租房也不要买房。

锺伟杰则认为任何时候都是对的买房时机,而永远最好时机都是昨天,但最重要是要做好功课,拥有一定基础以及了解风险,这是每一位投资者都必须做的事情。

他也点出,大部分投资者的通病都是没有做好现金流,没有了解每月贷款供期和潜在出租额来决定是否应该购置有关房产。

黄伟明认同两位说法正确,并说,买房要看本身的目标是什么,自住还是投资,若是前者,只要自己喜欢个人认为无所谓,但若是作为投资,任何时候入场都是高价位,而且房产长远来看,一定会上涨。

他分析,买房第一要从财务角度来研究,计算本身每月预算,若预算可让本身租赁喜欢的地方,并还可在郊外投资房产,简单来说,这块蛋糕就看自己怎么分配。

文良港落在市中心,租客类型不拘于学生。

有后备方案不怕失客户

疫情下,一些学生区房产无法出租,因学生无法回校上课,如文良港一带。黄伟明指出,当失去主要租户时,业主就要思考有什么后备方案可用。

他说,文良港落在市中心,就业机会良多且拥有很多不同类型的顾客群,因此业主可根据目标租户群的需求重新装修房间,并提供所需的必需品,还是有机会出租。

锺伟杰赞同并指出,文良港还是在吉隆坡内,只要业主花一点小心思再修饰单位,还是可以。

善用“杠杆”原理还贷

60岁要退休,但房屋贷款至70岁,接下来的10年该如何安排贷款供期或是在退休前将贷款余额清掉是较为理想的做法?

对此,锺伟杰指出,本身相信杠杆,若能够将手上资金投资在某一个地方,而回酬高过银行利息,个人会继续杠杆,因为若是将资金清还贷款,也只是省掉3%利息。

叶伟良完全同意并说道,投资无非寻求资本增值、回酬、被动收入以及保本,若是还清贷款较为安心,那么就去做吧!可是,站在投资角度,若是寻找到一个可让资本增值且回酬高过月供,即使3%亦好。

黄伟明则有不同的看法,他指出,对一个60岁的人来说,保本是最大的优先考量,因为任何投资都有风险,若是取得3%投资回酬,最好不过,但若是投资失败,那会是一个很大的问题。

他不反对可寻找更好的投资管道,但要知道不同阶段有不同的财务目标,因此还是要多注意。

Categories趋势

美百万租客 恐流落街头

2021年08月2日

租客 vs 业主,该保护谁?
美国政府陷入两难。

因为冠病疫情而失业的美国租客,原本有“租客保护令”保护,以免给不出房租而被赶出家门,但这个保护令已经在7月31日到期。

这意味着,收不到租金的业主,可以从8月1日开始驱逐租客。美联社指出,未来数星期内会上演最严重的逐客行动,美国将迎来自大萧条时期以来最严重的住房危机。

美国非营利组织阿斯本研究所的报告显示,目前美国有约650万户拖欠超过200亿美元(约845亿令吉)的租金;詹恩家庭研究所的调查显示,截至上月初,有8成拖欠租金的租客就居住在冠病疫情的热点地区。

如果保护令延长,已经不满抗议的业主团体料将反弹,因为没有租金收入的他们无力支付房屋税款和保险金;但若让保护令失效,流落街头的民众可能会加剧社区感染,这让美国政府陷入两难。

这项保护令是去年9月由美国疾病控制与预防中心(CDC)实施,防止交不出租金的租客流落街头导致疫情扩散,并多次延长。

美国总统拜登先前发出声明指出,由于Delta病毒正迅速传播,支持CDC延长租客保护令。但最高法院在7月裁决,CDC无权颁布此类金陵,只能通过国会通过延长。

美国国会众议院佩洛西在上周五(30日)提出延长保护令到10月18日,但温和派的房地产行业团体抵制,众议院投票取消;即便隔日参议院罕见地在周六开会,同样也没有解决。

不过,美国国会从本月9日起就进入夏季休会期,意味着国会可能会赶在之前通过延长保护令;否则,沦落街头的民众可能要等到9月10日之后了。

资料来源:CNN、美联社、搜狐、环球网

Categories趋势

业主减租多少才合理?

2021年07月13日

业主想与租户共度时艰,
但减租是否有个方程式?

冠病疫情和管控令(MCO)时期,相信把房产租出去的业主们,与租户同样烦恼。

想要通过减租来帮助和留住租户,但却不知道该减多少,减少了帮助不大,减多了自身收入就降低了。

刘长一

《南洋商报》记者走访太平后发现,许多租户都希望业主们帮忙减租,太平万有家具店东刘长一受访时指出,非必要行业的中小企业正陷入资金流动困境,希望业主能豁免1个月的租金。

“我有3个销售中心和一个仓库,早前都是每个月初支付租金,但6月至今还未付,因为准备致函向业主请求豁免本月的租金。”

颜燕萍

太平浪漫美发、美容彩妆学院东主颜燕萍感叹,在MCO 1.0时期业主减租了50%,MCO 2.0时减租300令吉,但到了MCO 3.0就以无能为力为由不再减租。而零收入的她,正在面临即将结业的挑战。

是否有个方程式能帮助业主和租户?太平统一房地产东主马燕图给的答案是:只能靠交情!

他接受访问时指出,业主减租是基于人情,因此市场并没有固定的方程式来计算。

他透露,在他公司管理的数十间店屋和房屋中,有出现不同的减租状况。如果业主和租户管理良好,有些减租25至50%,有者甚至帮忙豁免整个月的租金。

但他也强调即便不减租也没错,因为双方都已经签了租赁合约,在商言商履行租约并无问题。在太平,很多业主的租金收入只是占每个月贷款供期的三分之一,还要承担地税和门牌税,减租对他们来说是个难题。

“双方应该相互理解状况。”

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    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.

    Users alone are responsible for the contents of the message they communicate when using property.eNanyang.my services and as well as the consequences of any such messages. You agree that you will not use property.eNanyang.my services for chain letters, junk mail, “spamming” or commercial solicitations. You further agree not to use property.eNanyang.my or its Partner’s services to send any message or material that is unlawful, gives rise to civil liability. All chat and bulletin board communications are public and not private communications. Although property.eNanyang.my reserves the right to remove without notice any bulletin board posting for any reason or no reason, property.eNanyang.my do not have any obligation to delete content that you may find objectionable or offensive.

    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.


    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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        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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        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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