Categories意见 推荐

买“佳”居 做好功课不吃亏

2022年08月15日

苏莱曼
Rahim & Co研究总监

 

 

买房前需做足功课
免掉入隐形陷阱

在大马,要购买房屋或其他产业,有几种方式。

购屋者可以购买已竣工或仍在施工中的房屋或单位,可直接向发展商购买全新单位,也可以在二手市场或转售市场,向其他人或公司购买有关房产。

虽然二手房屋占国内房屋总交易量约三分二,但许多人仍选择购买新屋,因为新屋往往因其令人兴奋和有吸引力的更新概念和生活方式,而受到许多人的青睐。

更常见的是,购屋者向发展商购买的房屋,是尚未完工或已可以入住的房产。

这包括购买楼花(预售尚未完成的房产)或刚推介但尚未动工的房产,或是购买施工中,但通常需要2至3年才完工的房产。

基于所购买房屋的情况不同,购屋者很可能面临的风险和好处也各有不同。对于刚建好的房屋,事情就一目了然,因为你可以看到和触摸得到的,是一间完整的房屋,而且只要获得发展商移交锁匙和住用证,就可入住。

兴建中或未动工具风险

相较之下,兴建中甚至还未动工的房屋,就带来较为复杂的风险,但当然,购屋者可能在购买时,获得发展商提供折扣或回扣。

全世界在经历了2年多的疫情洗礼后,目前正重拾昔日的动力,但一些准备新居入伙的购屋者,却突然发现自己所购买的房屋面临工程延误,因为发展商无法如期完工。

这些购屋者如今不仅因为房屋工程延工,而必须等待更久才有望入住,更糟的是,这些由于疫情和行动管控令期间停工而导致的工程延误,许多案例下,发展商不必因此而支付逾期交屋赔偿金(LAD),因为获得2020年减少冠病疫情影响临时措施法令(829法令)的保护,并获得房屋及地方政府部批准。

在房屋买卖合约下,如果发展商延迟移交房屋锁匙给购屋者,必须作出财务上的赔偿。

同时,购屋者可以因为延迟入住有关房屋,而要求银行延长房屋贷款期限,但取决于有关购屋者的房屋协议条款而定。

对于还未签署买卖合约的购屋者,在此提醒你在购买一间还在施工中的房屋时,必须知道和留意哪些事项。

留意周遭环境基设

购买施工中单位需要注意的其中一个事项,是购屋者无法对有关房屋项目“一窥全貌”,而是依靠样板房屋来大概了解建好后房屋的模样。

这点在高层住宅方面尤为棘手,因为购屋者可能无法看到他们所选择的单位在整个发展项目中的确切位置。对某些人而言,阳台景观、日光方向和窗户隐私等因素可能是促成他们买房的关键要素,而错失这些重要的信息,可能会导致他们所选择的单位其实并不那么理想,最终导致他们后悔买下有关单位。

此外,买房时,购屋者不应只是关注本身所买的单位,还应该留意整个发展项目的周遭环境。对于还在施工中的房屋,购屋者目前可能无法了解周遭环境,只能在入住后才能这样做,但这不意味着,他们就这样轻易地忽略这个环节,并完全依赖广告中的插图来略知一二。

房子施工期间会否出现任何延误,没有人可以预测或预见。

如果你所购买单位周遭正有其他建筑物在施工中,那么你必须了解这些建筑物将会在何时竣工。只有这样做,你可以避免在新居入伙时,才惊觉你的新家被施工中的建筑物,以及其制造的噪音和污染所包围。

这也可让你知道未来新居周遭有哪些现成和即将兴建的便利设施,从中了解将来是否有利于未来的日常生活。

当然,也不要忘了,周遭新的和即将落实的公共基建设施,例如大道、公路和火车或快铁站等,这将进一步加强你家周遭的交通便利和潜在增长。

了解发展商信誉

你也必须了解有关发展商在如期交屋及建筑质量方面的声誉和过往表现,以及发展商在移交房屋给购屋者后,在房屋缺陷保修期内针对购屋者投诉所作出的回应。

当你要了解有关发展商时,可以轻而易举地在新闻网站和社交媒体搜查相关资讯。你可以从中搜寻是否有任何针对该发展商延迟完工甚至搁置发展项目的投诉。同时,你可以记录你和有关发展商之间的互动情况,从中衡量发展商对潜在购屋者的帮助和透明度。

MCO迟交屋发展商不必赔

没有人可以预测或预见,施工期间会否出现任何延误。这就是房屋买卖协议(SPA)条款在发生此类事件时,可以发挥保护购屋者作用之处。

SPA条款保护购屋者

但尽管有这些条款,依然可能发生超出任何人控制或想象的情况,这也会导致延误,并在情有可原的情况下要求豁免受到有关条款的管制。

过去2年多来席卷全球的冠病疫情就是最好的例子。疫情期间,大部分的经济活动被迫暂停,导致许多人遭遇重挫。

对于建筑业而言,由于面对疫情爆发期间的各种行动管控措施、劳力短缺和供应链中断,施工进度受到严重干扰,迫使发展商展延原订的项目竣工日期。

为了应对前所未见的危机,政府颁布2020年减少冠病疫情影响临时措施法令(829法令),以减少疫情对国人和商家企业的影响。

该法令涵盖了在规定期限内免除发展商由于延迟交屋而必须赔偿给购屋者的LAD罚款。对购屋者而言,银行在疫情期间提供的延缓还贷措施,则有助于减轻他们的财务负担。

即使如此,购屋者在拿到新屋钥匙并入住之前,仍将面临更长的等待期。在等待期间,预计购屋者仍将如期摊还房屋贷款利息。

房贷摊还期延长

有些人可能在不知不觉中陷入房贷摊还期限已经延长的局面,甚至比延缓还贷期限还长。对于目前正在租房或租屋的房屋首购族,他们可能需要继续租房。

购买施工中的房屋有其好处和风险。好处是由于发展商提供各种“好康”来促销,购屋者可能以较低的价格购得房屋。

一些购屋者则没打算在买房后立即入住,而是先买下以备未来所需。

因此,这些购屋者是趁眼下有理想的家居单位而马上先买下,无需等它建好后才购买。

然而,购买兴建中的房屋同样需面对风险,因为在房屋建好之前,可能会出现任何状况,例如有关房屋项目是因发展商的疏忽和管理欠佳而导致工程延误,你永远无法预先做好准备面对这一切。

所以,请寻求专业的咨询,厘清买房所涉及各项合约的条款,以及相关法令,以在情况需要时保障你作为购屋者的权益。

 

Categories意见

房长可批发展项目延期竣工?

2022年02月14日

林国强律师
林国强律师事务所资深合伙人

 

 

房长若不批准延长竣工时间,
这项目或无法完成

在 Bluedream City Development Sdn Bhd v Kong Thye & 184 others 和 5 个其他上诉案中,购屋者通过司法审核,针对房屋及地方政府部长(以下简称房长)批准发展商第二次延期,以展延 17 个月(从42个月延长至59 个月)完成一项屋业发展项目中,服务式公寓中单位竣工时间的决定,提出挑战。

鉴于联邦法院对Ang Ming Lee案的裁决,房长批准延长发展商完成单位时间的上述决定,是否合法?

上诉庭认为:

1.联邦法院在Ang Ming Lee案中,究竟对房长“改变和修改”1989年房屋发展(管制及执照)条例(HDA)附表H中法定买卖合约条款的权力,作出了什么裁决?

2.联邦法院的判决是关乎房屋总监是否可以延长发展商完成法定买卖合约所订下单位的竣工时间。联邦法院认为,总监没有延长竣工时间的权力,而房长不能将其延长时间的权力委托予总监。

3.虽然房长不得将“放弃或修改”1989年房屋发展(管制及执照)条例附表H销售合约的权力委托予总监,但部长可自行行使这项权力,这和国会根据第24(2)(e)条赋予他的权力一致。

4.房长不能仅因他将此权力转授予总监的决定被裁定是非法的,而失去了原先所拥有的权力。部长不能委托他需要自己行使的权力。房长“放弃或修改”买卖合约条款的权力依旧保持不变,但必须自己行使。

房长在未听取买方意见的情况下,延长发展商完成单位时间的决定,是否应因程序不当而被搁置。

5.上诉庭裁定,鉴于法律没有明确要求房长赋予买方发表意见的权利,重要的是房长必须公平行事,并考虑到买方的利益。买方则没有义务同意发展商要求的任何延长时间。因此,房长有权在买家不同意任何延期的假设下,继续延长发展商完成单位时间的决定。

6.房长在履行该法案规定的职责时,必须考虑到买方的利益,因为他受HDA的拘束,以保障买方的权利。甚至HDA标题中的序言也指出,HDA是“一项控制和许可马来西亚半岛屋业发展业务、保护买方利益以及与之相关的事项的法令”。

7.在房长决定延长完成单位的时间,是否应以不合理为由而搁置方面,房长没有必要个别或独立的听取众多买方的意见,除非房长对如何最好地保障买方的利益存有疑问。

8.发展商辩称部长考虑了所有相关因素,包括发出了17个月的停工令。后来,此停工令在公共工程局确认工地附近学校的塌陷和裂缝,是源自于因为学校地区的地下溪流,与发展商的疏忽无关,而被取消了。

9.上诉庭认为,建筑业经常可能会出现无法预料的问题,例如恶劣的天气、原材料短缺、或因施工地附近的另一栋建筑物出现裂缝或塌陷,甚至还包括了类似2019冠状病毒病等大流行病,而被令停工。

10.基于此情况下,上诉庭认为,发展商并无意图占买方的便宜。事实上,如果房长不批准延长竣工时间,这个项目很可能无法完成,进而对所有人都不利。当停工令阻止发展商进行任何工作时,发展商只是要求延长竣工时间17个月。

总结

房政部长有权放弃或修改买卖合约的条款,并须以买方利益为前提下,行使该权力。

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

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

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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.

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

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

    私隐政策声明

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

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

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

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

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

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

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

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

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

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

      This notice was updated: 5th February 2014

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

      电邮:prop@eNanyang.my

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

      电话: +603-7872 6888

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        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。

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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)