Categories趋势

小麦大蒜 当首期来买房?

2022年06月24日

是否有人才发现,
小麦大蒜如此值钱……

买房不用真金白银,只靠小麦大蒜?

是的你没看错,你现在身处的2022年,而不是“物物交换”的古时候。

这是真实发生在中国河南省的事情,发展商建业地产位于商丘市的“民权建业河畔洋房“项目,为了吸引农民买房,开出“小麦换房”的活动,最高可抵16万人民币(约10.52万令吉)的房款。

这不是头一遭,该公司几周前在开封市的另一个项目,是能够接受大蒜换房,收购价格为每公斤10人民币(约6.58令吉)。

“小麦换房”及“大蒜换房”购房补贴活动广告。(网络截图)

政府喊停

这别出心裁的宣传活动,引起市场热议,但很快就被叫停了。

建业地产指出,活动经全国媒体传播,引起社会太多关注,为避免引发误解错读,被政府叫停。

中国房地产报记者综合相关媒体报道发现,截至叫停,推出“小麦换房”的项目虽然收到了众多咨询电话,但实际成交量为零;推出“大蒜换房”项目,由于持续时间较长,促成了数十宗成交。

多地也推“物物交换”

其实,并不止河南出现了这种卖房营销方式。

在“知名度堪比北上广深的网红城市”山东菏泽曹县,由鸿基地产推出的“曹州壹号”,也有小麦换房活动。类似的还有广西桂林“买房送工作”、广州保利山水芳华“买房送生猪”等等。

这类促销活动反映出,随着经济增速放缓、房地产行业面临严峻的资金紧张局面,一些发展商为了吸引购房者可谓绞尽脑汁。

建业地产是中国第37大发展商,最近已经寻求政府纾困,其母公司同意向省政府出售部分股权。

Categories贴士

卖房亏损还要付RPGT?

2022年02月23日

【你懂RPGT吗?】系列5

亏卖屋子不用缴RPGT?
来看看计算方法!

脱售房产,有钱赚要付税,如果亏本卖,对产业盈利税 (简称RPGT)有影响吗?

政府在征收RPGT方面,处理手法对待所得税类似。

一位商人有几门生意,年终结算有些业务蒙受亏损,有些赚钱;商人可用亏损抵销其他生意的盈利,那么他要付税的法定収入就会相应降低。

呈报和处理RPGT,也和此概念一样,亏本脱售房产的话,相关亏损也可用来抵销其他房产脱售的盈利,那么应课RPGT税金的盈利就减少。

可抵消另一项交易盈利

脱售房产的亏损,在税收局眼中是可扣税亏损(allowable loss)项目。

例如一位业主在同一年出售超过一间房产,其中有房产是亏本卖,蒙受损失,可用以抵销另一间房产所赚的盈利。

假设过去一年,你出售了两间房子,一间赚了13万令吉,另一间却以低过当初的购入价3万令吉成交售出。

那么,你需要付RPGT的盈利,其实只是10万令吉。

方程式:盈利-亏损
以上例子就是:RM130K-RM30K= RM100K

我国税制相对友善

我国针对房地产交易征收的RPGT,相对也比很多国家和地区友善,很多国家是征收成交价若干税率,有些地区,即使业主是亏本卖,还是要付税。

而且,卖房子若蒙受亏损,扣税的部份未必要当年使用,可挪后再使用。

例如,你在2020年亏本3万令吉脱售一间房产,因为只出售了一间房产,那么这3万令吉的亏损,可留到未来脱售其他房产而有盈利时,再用来相抵交易盈利。

温馨提醒:卖房子亏损可用来抵销需缴RPGT的盈利,今年用不着,可留之后用;下次卖房子有钱赚时,记得一起呈报,这税金不省白不省。

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房大赚 也可不付RPGT
装修费可扣RPGT?

Categories贴士

卖房大赚 也可不付RPGT

2022年02月22日

【你懂RPGT吗?】系列4

这几种情况,
转售房子也不用缴税!

转售房地产所赚的资本盈利,政府会征收的产业盈利税(Real Property Gains Tax,简称RPGT)。

简单来说,RPGT是依据业主的身份和持有房产年限来征收不同的税率,相关税率再乘以赚幅,就是业主要承担的税金。

但你知道吗?不是全部情况都要付RPGT,一些特殊情况可豁免RPGT,即使转售时大赚特赚都不必付。

先提最、最、最特殊的情况,不只全免RPGT,还一口气免3间!

为了缓和冠状病毒(COVID-19)疫情的冲击,政府2020年宣佈,凡在2020年6月1日至2021年12月31日间出售过房子,最多3间可免RPGT。

如果这期间你出售过房子,又误报的话,记得向税收局了解如何追回退款哦!

一辈子一次的优惠

另一个已生效很久,但可能很多人忘了,就是一生人都可享有一次豁免部份的RPGT,最高1万令吉或赚幅的10%,视何者为高。

说回一般免RPGT的情况,根据政府制定的徵税机制,投资者若是国民或永久居民,只要持有房产超过5年,再转售则可免RPGT。

但公司业主和外国人就没有这个特别待遇,这两类纳税人,任何时间脱售房产,都要付RPGT,只是税率视持有期而定。

另外,根据1976年产业盈利税法令(Real Property Gains Tax 1976 ),也阐明一些可豁免RPGT的情况。

当然,这些特别优待只有国民或永久居民可享有,只要业主符合以下特定情况,就不必付RPGT。

国人和永久居民豁免RPGT

  • 脱售私人房产,每人一生都有一次可豁免RPGT的机会,豁免税金高达1万令吉或脱售赚幅的10%,视何者为高。
  • 配偶、父母和子女、祖父母和孙子女间的产业让移,100%豁免RPGT;但不包括兄弟姐妹间的转让。

以下100%豁免RPGT的情况,只适用于国人:

  • 价值20万令吉或以下的廉价屋,持有第5年以后脱售。
  • 2020年6月1日至2021年12月31日之间,出售住宅,可豁免RPGT;每人最多3间。

温馨提醒:每个人都享有一次RPGT豁免的机会,最高1万令吉或盈利的10%,可以留到脱售最贵的房子才行使哦!

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房亏损还要付RPGT?

Categories贴士

太早卖屋 多付冤枉RPGT

2022年02月21日

【你懂RPGT吗?】系列3

有时候,
早起的鸟儿未必有虫吃……

根据1976年产业盈利税法令(Real Property Gains Tax 1976 ),RPGT税率有两大因素影响。

一是投资者的身份,是否国民或永久居民,是个人还是公司,不同身份要缴的税率不同。

国民和永久居民比外国人低,而个人又比公司更优待一点。

第2个影响脱售房产要付的RPGT税率,是持有房产的时限(Holding Period)。

持有房产3年就卖,和进入第4年才卖,要承担的税率也不同。

简单来说,持有期越短转售,税率越高。

也就是说,房产几时卖,和你真正可以从脱售中赚多少有直接关係,没有规划或一时大意,分分钟少赚很多。

RPGT法令阐明,计算房产持有时限,是从业主签署买卖合约房地产的买卖合约(Sale and Purchase Agreement,简称SPA)的日期算起,直至业主转售时和买方签署买卖书文协议为准。

举例,业主和发展商签署买卖合约时是2018年7月1日,兴建期原定耗时36个月,但发展商提早在2021年3月底交屋。

如果你是这名业主,又非常非常幸运的,4月一拿到锁匙就有买家开出你心目中的价格要接手,你会不会马上就办手续直接卖掉?

以下为你的“幸运”计算一下代价:

假设你一买一卖的差价是20万令吉,从2018年7月1日和发展商签买卖合约算起,至2021年4月,只是差不多满3年,所以4月转售的话,你要付30%或总额6万令吉的RPGT。

根据政府规定的税率,持有房产进入第4年才卖,只需付20%的RPGT。

假设转售差价 = RM200K
国人第3年RPGT税率:30%
应缴RPGT = RM200K X 30%
= RM60K
国人第4年RPGT税率:20%
应缴RPGT = RM200K X 20%
= RM40K

同样是20万令吉差价,但如果你可以说服买家,把交易推迟到7月后才进行,便可省下2万令吉的RPGT。

算清算楚后,你还会急着卖吗?还是尽力再拖几个月才脱手?

温馨提醒:脱售房产时,要把RPGT相关因素纳入考量;一时大意,可能只差几个月,马上就少赚一大笔。别因快失大!

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
卖房大赚 也可不付RPGT

Categories趋势

金庸遗孀两个月内二度卖房

2021年11月12日

为什么两度紧急卖房?

“飞雪连天射白鹿,笑书神侠倚碧鸳”,武侠小说泰斗金庸一生中最得意的这14本小说,身为华人的我们绝对不会陌生。

对于他的作品,我们熟悉,对于他离世后的资产动向,相信大家更感兴趣。

根据网上资料,在2018年逝世的金庸,一生中有三位妻子,前两任离婚收场,第三任妻子,小金庸29岁的林乐怡陪伴终老。

近日,港媒曝出林乐怡的最新消息。在短短2个月的时间内,林乐怡先后两次紧急卖房,已经套现赚取了1.4亿港币(7500万令吉)。

据港媒透露,其中一间豪宅,以6350万港币(3382万令吉)售出。

该豪宅位于香港半山腰,属于一般地段,在2007年以2300万港币(1226万令吉)购入。房子周围环山,环境十分的好,特别适合养老居住。

在持有14年以后卖出,净赚4050万港币(2156万令吉),升值1.7倍。

两年前卖杭州房产

其实,早在2019年,林乐怡就以7000万港币(3728.52万令吉)出售了金庸在杭州的豪宅。这是金庸当年在中国所买的第二套房,位置很好。

金庸生前十分喜欢杭州,加上妻子也十分喜欢,所以晚年时想回到杭州终老,但出于香港生活服务与医疗的考虑,所以一直没行动。

加上最近先后两次出售房产,林乐怡在金庸离世的这3年时间里,先后一共3次处理房产。

据悉,金庸离世后的遗产分配,引起了网友们的热议。作为一代武侠小说作家,仅在1992年,金庸的小说就发行超过1亿册,他凭借12亿港币(6.40亿令吉)的资产,在香港富翁排行榜上排名第64位。

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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.

    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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        本站是在“现状”与“现有”的基础上提供资讯与服务,并不保证无间断或无误差。本站提供的新闻、信息或其他材料可能会有延迟、遗漏、间断与不精确,并可能链接其他服务的提供与内容,本站概不负责。对本站或通过本站提供的广告、任何信息或商品,包括(但不限于)商家在特定目的方面的质量与适合度,本站不作任何明确或暗示的保证。对本站显示、上传、传播或通过本站链接提供的任何劝告、意见、声明、其他材料或资料库,本站不作任何代表,亦不背书其准确性、完整性、及时性与可靠性,但本站保留权利纠正资讯上的任何误差或遗漏。本站虽有意于采取合理步骤,防止引入病毒、蠕虫、“特罗伊木马”或其他破坏性材料到本站平台,唯不担保本站或可从本站下载的材料不含此类破坏性元素,若登录与使用本站提供的任何材料,用户应自行承担风险。不减损以上条文和/或管辖本站所有产品与服务适用协议的条款与条件,本站将采取合理措施,确保本站相关产品与服务交易等所有信息均准确与有效。

        基于合约、侵权、过失、严格法律责任或任何其他因素的任何损失或损害,包括(但不限于):(1) 本站的任何进入、使用或无法进入或使用,或依赖本站材料和/或任何信息;(2) 任何系统、服务器或连接失败、误差、遗漏、间断、延迟传播,或电脑病毒;和 (3) 本网站连接任何其他网站的任何使用或进入,导致或相关的任何损害、损失或开销、直接、间接、特别或连带损害、惩罚性损害或经济损失,本站概不负责。到任何其他网站的任何链接,并非此类网站的背书或验证,用户进入此类网站应自行承担风险。本免除条文将有法律所允许最大程度的效力。

        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。

        本站保有因任何原因随时终止和/或冻结您进入本站和/或使用本站服务的权利。特别是(但不限于)若您违反本条款与条件的任何部分,或违反任何其他用户或任何第三方的相关权利,本站可终止和/或冻结您的登录和使用权限。

        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.

        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)