Categories趋势

房屋涨价 仅3-5%

2022年08月16日

不涨价,难以撑下去。
涨太多,也卖不出去。

到底房价会涨会跌?

发展商和一些市场专家一直说,随着建材成本大涨,房屋价格一定会涨;但在消费者市场,大家都说房价没涨反而跌了,还直言“涨价只是发展商的说辞”,就为了让消费者快快入场。

真是如此吗?

武吉免登城中城发展有限公司(BBCC)总执行长刘添进就指出,房屋价格涨势实在是无可避免,但相信仍会平衡在双方都可接受的水平。

他出席2022年Cityplus“突围!钱进!”投资峰会时说:“发展商会自行吸纳内部成本,再将部分成本转嫁给买家,因此售价涨幅不会太大,可能介于3%至5%。”

现有房屋空间和结构,足以满足居家办公的要求。

居家办公需求非急要

在他看来,虽然近期建材价格有所下降,但仍比疫情前高出5至15%。除了建材价格,发展商还得面临银行利息上升、建筑工人短缺和薪金上涨的挑战。

他也提到,疫情期间虽催生居家办公模式,但根据发展商的调研,目前居家办公的需求并不迫切。

“况且现有房屋空间和结构仍足以满足居家办公的要求,因此不会列为发展商建房屋的特别考量。”

在同场的大马莱坊执行董事沈颂能也透露,许多外国富人买家认为大马的房地产价格实惠,视为家族办公室的理想地点,有者一口气买下10至20个单位,甚至整栋楼。

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新住宅项目涨价 避无可避……

2022年08月5日

预计下半年,
有5000间房屋交钥匙……

建材价格已飙涨一段日子,也常听到发展商说会涨价,但你是不是感觉没见到“涨价潮”来临?

那应该是“时间未到”!因为过去已经开盘在兴建中的房产项目,通常已经“锁定价格”,因此发展商和承包商多数自行吸收新增的成本。

不过,对于未来的新项目,那价格就未必和以往一样了……

独立房地产咨询公司莱坊大马(Knight Frank Malaysia)在《2022上半年房地产亮点》报告中就指出,预计住宅产业的价格将继续上涨,尤其是新推出的项目。

沙古南苏巴马廉

莱坊大马董事经理沙古南苏巴马廉在文告中指出,建筑材料价格急剧上涨,无形中增加了建筑成本。

升息削弱购兴

不过同时,由于国家银行(BNM)出手调高隔夜政策利率(OPR),且市场预计还会持续上调,房贷成本因此步步高升,会降低人们进入房市的兴趣。

无论如何,虽然去年的拥屋计划(HOC)已经截至,但近期政府推出的大马一家拥屋倡议(i-Miliki)的两项税务减免,包括首购族购买50万令吉以下的房屋可豁免印花税,依旧可支撑一些买气,推动房市复苏。

下半年大量房屋竣工

在他看来,今年首季我国经济取得5%的经济增长,随着疫情过渡到地方性大流行病,经济活动恢复,需求也有所改善。

莱坊Property Hub董事经理郑敬翎也透露,今年上半年约2786个单位竣工,预计下半年则会有高达5303个单位完成,相信也是因为之前的管控令导致工程延期,如今陆续竣工。

捷运激励沿线出租需求

另一方面,莱坊研究与咨询执行董事王美珍认为,国门重开后国际旅游也重新开放,提振就业市场,有助激励租赁市场。

同时,捷运布城线第一阶段已经在6月16日开通,第二阶段则会在2023年竣工,还有捷运环线(MRT Circle Line)强化巴生谷的交通连接,势必能提升沿线的房产价值。

“吉隆坡高端公寓或服务式公寓的成交价平均提高约1.2%,反而吉隆坡市中心、安邦希里尔、白沙罗高原及满家乐区,高端公寓或服务式公寓的租金则持平。”

Categories趋势

悉尼房价六连跌 40年来最惨

2022年08月5日

之前升得快,
现在却跌不停……

在冠病疫情期间房价飙涨的澳洲,如今房市“熄火”,全国房价连跌3个月,悉尼更是写下6个月的跌势,并遭遇40年来最严重的跌幅。

澳洲房产咨询公司CoreLogic最新数据显示,澳洲房产均价在7月下跌1.3%,而且各地的房价也出现不同程度的下降,尤其是大城市。

当中最严重的非悉尼莫属,按月跌2.2%。在截至7月底的12个月内,当地的房价年增长率从截至1月份的21.3%高峰,放缓到5.4%。

另外,墨尔本跌1.5%,霍巴特和堪培拉的跌幅则分别为1.5%和1.1%。

CoreLogic研究主任蒂姆·劳利斯表示,澳洲房市价格下跌了3个月之久,从这跌势的猛烈程度来看,和2008年全球金融危机以及20世纪80年代初的那次非常相似。

澳洲的房价也是全球房价最贵的市场之一。

升息打击房市

市场普遍认为,房价放软是因为澳洲人逐渐转向乡区生活,加上银行连续3个月提高利率,增加了人们的借贷成本。

“随着利率持续上升,房市状况可能会进一步恶化。”

澳洲央行自5月份开始收紧货币政策以来,已经连续加息125个基点。市场普遍预计,RBA可能在本周二宣布再次加息50基点至1.85%,货币市场押注今年年底关键利率将升至3%。

无论如何,澳洲的房价对收入比例接近120,依旧是发达国家中数一数二地高,也是全球房价最贵的市场之一。

资料来源:华尔街见闻、环球网、新浪新闻、网易新闻

Categories趋势

全球房市 集体降温

2022年07月21日

升息时代开启,
利率只会越来越高。

冠病疫情爆发时,全球为了振兴经济而大放水,让全球泡沫腾飞,房地产市场更流入庞大的热钱,只能用“火爆”来形容。

然而,今年至今,全球60多家央行,多次加息50个基点或以上,这场房市热潮画上句点。

若只是单纯结束热潮还不至于令人担忧,华尔街见闻报道,最怕各地央行加息过于激进,导致全球房市急速降温,导致泡沫破裂,导致不可预知的影响。

报道指出,从泡沫不断的房市“挤出泡沫”,是控制高通胀的一部分。

当房价下跌时,家庭支出会随着减少。随着建筑业的生产活动放缓,银行也会减少发放贷款,房地产销售跟着下滑,整体经纪活动缓下来,从而缓解通胀上行压力。

在经济过热的情况下,这是健康的做法。

房地产和金融市场 同时衰退?

不过,野村控股全球市场研究主管罗伯·苏伯曼表示,危险在于房地产和金融市场同时处于下行周期,可能导致更持久的衰退。

十多年来的量化宽松政策催生了房市泡沫,但由于偿债率大幅上升、可负担能力下滑,现在很快就会转向另一面,即泡沫破裂。

报道也引述高盛的看法指出,住房价承受能力迅速恶化,加上房屋销售的大幅下降,表示硬着陆是一个真实的风险。

也不是所有人都那么悲观,有部分经济学家认为应该持乐观态度,因为房价上涨的主要原因是低利率和购房者对地区偏好的变化,而不是在2008年危机中宽松的贷款标准。


若房市比预期糟 央行或转态

目前房屋供应依然紧张,健康的劳动力市场和大规模刺激计划,意味着许多家庭的财务状况良好,发生像2008次贷危机那种规模的地产泡沫破灭的可能性微乎其微。

无论如何,有一点,可能让央行感到不安。

如果房市低迷比预期还要严重,可能意味经济放缓程度超出央行预期。

尽管如此,比预期更严重的房地产低迷可能意味着经济放缓程度超出了央行的预期。

房地产活动放缓可能导致建筑工人下岗,对钢铁和其他商品的需求减弱。房价下跌还将影响家庭和银行的资产负债表,这往往又会给经济的其他部分带来压力。

面对这些风险,一些央行可能会决定放缓加息步伐,甚至可能暂停加息或转向降息,来防止房地产泡沫蔓延。

凯投宏观首席经济学家尼尔·谢林表示,央行将容忍温和的房地产衰退,但如果出现更严重的衰退,可能迫使其改变政策。

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Categories趋势

再升息,2.3万人要破产!

2022年07月14日

国家银行升息,
代表借贷压力跟着提高了。

国家银行(BNM)5月时出手将隔夜政策利率(OPR)调高25个基点后,7月6日再度升息多25个基点,把OPR提高至2.25%,以遏制日益升温的通胀。

但随着隔夜政策利率调高,银行也跟着提高借贷利率,意味着借贷人士肩上的还债压力更高了。

大马消费者与借款人解决方案协会主席罗斯兰对《马来西亚前锋报》说,若国行继续升息,那未来2年内预计会有3万2000位借贷者破产,相等于现有破产借款人总数的70%。

2018年至今逾4万人破产

这里指的借贷者,包括汽车、个人和房屋贷款者,当中也不乏公务员。他担心,一些人可能会因此财困而患上精神问题,甚至选择自杀。

从2018年至今年5月,共有4万6132人宣布破产,其中包括因冠病疫情而受管控令所影响的1万317人。

“如果一再调高隔夜政策利率,人们将继续面临增加贷款月供的压力,导致年仅25岁的人也有可能宣告破产。”

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6月,美国15%房产交易取消!

2022年07月13日

央行不断升息,
美国人宁毁约也不买房了……

美联储近来升息,房贷成本越来越高,也让美国房市降温的讯号更加明显。

比如说,美国房地产的销售数量、房贷申请数量皆快速减少,互联网房屋中介企业更开始裁员,住宅建筑商信息指数创下2年最低。

而根据华尔街见闻的报道,最近,又出现了另一个美国房市“速冻”的信号。

根据Redfin最新数据,6月被取消的现房销售协议,占所有签订销售协议房屋的比例,接近15%,也是创2020年初以来的最高位。1年前,这个比例约11%。

数百万美国人难买房

John Burns房地产咨询公司对建筑商的调查也显示,其实早在5月时,房屋取消率就已经跃升至9.3%,高于前一年的6.6%。

这显示,不断上升的住房成本,让数百万美国人被挤出购房市场。

Redfin副首席经济学家泰勒·马尔指出,住房市场竞争放缓,让购屋者有了谈判的空间,所以越来越多人取消交易。

美国最大的房屋建筑商之一Lennar在最近的季度收益报告中也表示,公司的违约率确实连续上升至11.8%,但低于长期历史平均水平。

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Categories趋势

即便升息,依然有买房需求

2022年07月8日

比起升息,
劳工短缺和建材涨价更头疼。

森那美产业集团董事经理拿督阿兹米尔马力肯认为,即便国行升息,房市依然有需求,因为大马拥有合理且良好的利率机制。

“我们在一段时间以来,一直处于具竞争力的低利率环境。政府也需要考虑许多因素。”

森那美产业发现,价格介于50万至80万令吉的房产,依然获市场青睐。

阿兹米尔马力肯是在和大马银行(Ambank)的了解备忘录签署仪式上,向记者发表上述谈话。

出席者包括大马银行集团总执行长拿督苏莱曼、大马银行零售银行董事经理吕文成,以及森那美产业营销总监拿督赖斯威。

大马银行集团总执行长拿督苏莱曼(左起)、大马银行零售银行董事经理吕文成、森那美产业营销总监拿督赖斯威、森那美产业集团董事经理拿督阿兹米尔马力肯完成签署仪式后合影。

期望原料价格恢复正常

国家银行在今年5月时宣布将隔夜政策利率调高25个基点至2%后,本周再次升息多25个基点,如今隔夜政策利率达2.25%。

对阿兹米尔马力肯来说,原料价格走高和劳工短缺的问题,才是该集团今年最主要的挑战。他希望原料价格能回复稳定,回到更合理的价位。

森那美产业和大马银行签署的了解备忘录中,建议为前者的买家提供利率为2.95%的可持续融资选项。

Categories趋势

又升息,你的月供会增多少?

2022年07月7日

报道:官泰发

下一次缴房贷,
记得查清最新月供款是多少……

国家银行(BNM)昨日宣布将隔夜政策利率(OPR)调升25个基点,各家银行也紧跟着宣布调高基准利率(Base Rate,简称BR)、基准贷款利率(Base Lending Rate,简称BLR)。

这意味着,房贷借贷者的每月供款额,又要跟着走高了。

根据《南洋商报》计算,若是你买的是可负担屋,贷款30万令吉,房贷为30年期,假设有效利率原本为3.63%,如今调高至3.88%后,月供款从1368令吉提高到1411令吉,也就是每月要多付43令吉。

而你在这30年要支付的总利息,也增加了1万5325令吉。

若房贷是50万令吉,同样为期30年,以相同的有效利率,你的月供款要多付71令吉。

假设你的房贷是100万令吉,那你得准备好,下次的月供款可能要多给142令吉。

执业财务规划师周志强接受《南洋商报》访问时指出,国内有90%的房贷都是采用浮动利率,若房贷欠款越少,支付的利息就会越少。

生活成本升温

“我国在之前已升了一轮,因此(房贷)利息也已升了,如果这种升息情况再来一轮(再升息两次),意味购屋者每月可能额外负担数百令吉的利息,因此其影响可说非常大。”

在他看来,国行在未来半年至一年还会继续升息,除了房贷利息,所有采用浮动利率的车贷或个人贷款,利息也会增加,意味着人们的生活成本变得更高。

因此,他建议国人务必做好理财规划、谨慎消费,尽力开源节流,应对贷款利息和物价双双上涨的困境。

“对某些人而言,在如何增加收入方面可说是大挑战,因此比较可以控制的,就是做好节流的工作,也就是拟定好个人预算,减少不必要的开支。”

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狮城房价涨势,无人能阻!

2022年07月6日

升息,
也浇不灭买家的热情!

迈入“升息时代”,全球各地央行迅速升息,借贷成本也因此飙升,让这两年火爆的房地产商市场快速降温。

但有一个国家却是例外,那就是新加坡。

根据华尔街见闻,新加坡全新私人公寓销量在5月时攀上六个月来高点,达1356套。整个房市依然红红火火没有疲软的迹象。

新加坡市区重建局(URA)对2022年次季的房市预估显示,私人住宅整体价格指数按季上升3.2%,远高于首季时的0.7%涨幅。

报复性反弹?

这显示,新加坡政府早前的打房措施,影响力正在减弱。

橙易产业产业研究与分析部高级副总裁孙燕清受访时指出,每一次的降温措施推出后,市场的情绪通常会在2至6个月内恢复。

比如说2018年,7月推出了打房措施后,10月的新房销售就飙升了139.2%;在2013年9月,也就是当局限制房主贷款额度的两个月后,销量反弹了63.6%。

新加坡房市依然红红火火没有疲软的迹象。

租房市场“一房难求”

孙燕清预期,虽然买家现在面临更高的借贷成本,但今年整体房价依然可能上涨6%至8%。

除了购房市场极为火爆,新加坡租房市场也“一房难求”,之前也有报道指出,外籍人士的租金平均上涨了20%至40%,一些房东甚至要求续租租金翻倍。

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Categories趋势

美国买房难,租房也难……

2022年07月1日

买或租都贵!

美国房价在过去两年在低利率环境中狂飙,已是众所皆知的事;但你是否知道,现在买不起房子的美国人,可能也租不起了!

根据华尔街见闻报道,哈佛大学发布的年度《国家住房状况报告》显示,数百万美国人如今根本买不起房子。

按照现在的房价,一位首购族在4月时购买一套中位数价格的房屋,要支付7%的首付,需要拿出2.74万美元(约12.05万令吉)。这令92%的租客无缘购房,因为他们的存款中位数只有1500美元(约6595.50令吉)。

包括房屋按揭贷款、财产税和保险费用的平均住房成本,4月时达34.07万美元(约149.81万令吉),按月增加了700美元(约3077.90令吉)。

中等价位房屋的买家,每月供款额已经比一年前多出400美元(约1758.80令吉)。而且,随着美联储升息,按揭贷款利率也随之上升,接下来会让首购族更难以买房。

好吧!买不起房,租行了吧!

美国许多地区的月租金都出现两位数涨幅。

月租接近9000

美国按揭贷款利率上行催生了“租房热”,根据美国在线房地产经纪公司Redfin的报告,5月美国全国挂牌出售的公寓租金比一年前上涨了15%。

不过,一套可用公寓的挂牌租金中值首次跃升至每月2000美元(约8794令吉)以上。若最近的趋势继续下去,美国全国房屋月租金可能会超过2000美元。

房地产研究公司CoreLogic的数据显示,美国许多地区的月租金都出现两位数涨幅。迈阿密在4月的单户租金增幅,更是达到41%的惊人涨幅,其次是奥兰多的25.8%。

更让人不安的是,CoreLogic公司首席经济学家Molly Boesel预期,在整个2022年,单户租金增长将继续快速增加,相信对许多美国人来说,租房也越来越压力大!

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      7. any parties to whom you have given us your express or implied consent to disclose; or
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      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

      免责声明

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        本站提供前往其他网站的外部链接纯属方便。property.eNanyang.my未调查、验证、监督、保证及背书此类资源的内容、准确性、表达的意见与其他链接(如有),因此类链接的网站由第三方拥有与操作,并不由本站控制,故本站毋须负责,并不保证此类网站的内容、其中点名的第三方及其产品与服务。因此,建议您先阅读本站链接任何网站的隐私政策声明,因用户需自行承担链接到任何其他网站的风险,本站无责任或义务负责此举造成的任何损失。

        本站可要求您赔偿与持续赔偿与下述事项有关或下述事项引起、并使用本站招致的所有负债、索赔、损失与开销(包括任何法律费用):(1) 您使用或滥用本站与在此提供的服务,或 (2) 您无论以何种方式触犯本条款与条件,或(3)与您使用本站有关、第三方因本站侵犯知识产权或所有权而索赔。

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        本站无法履行或执行本条款与条件的任何权利或规定,不可构成对此类权利或规定的弃权。若本条款与条件的任何部分,根据适用法律被裁定为违法或不可执行,那么该违法与不可执行规定,将被视为已由最清楚符合原始规定意向的合法、可执行规定所取代,而且本条款与条件的其余规定将继续全面有效力与作用。本站保留未在此明确授予的所有权利。

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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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        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)