Categories趋势

买不起屋,更多国人宁租屋!

2022年08月12日

生活成本压力越来越大,
没钱买房,只能租了!

百物涨价的情况,你还有买房的“余力”吗?

对许多大马人来说,“拥屋梦“似乎越来越远,只能够选择租屋了。

根据大马房地产网站PropertyGuru DataSense数据显示,今年次季,我国的租屋需求持续上升,按季增长12.89%,按年则大幅上涨96.83%!

PropertyGuru大马区经理诗仁德拉为这份2022年第三季大马房地产市场报告(MPMR)发文告时指出,租屋需求旺盛,主要是因为通胀升温。

租金涨势缓慢但稳定上涨,将鼓励更多租屋供应入市。

今年6月,我国通胀达3.4%,国家银行今年已经将隔夜政策利率(OPR)调高至2.25%,潜在的购屋者对于大宗消费的决定,会更加谨慎。

“随着通胀持续,加上担心购买成本会不断上升,潜在购屋者可能视租屋为短期的替代选项。今年下半年,租屋市场仍是大势。”

同时,虽然租屋需求暴增,但租金的涨势相较缓慢,租金价格指数在次季取得2.82%的按季增幅,按年涨4.46%。

随着租金要加缓慢但稳定上涨,将鼓励更多租屋供应入市,相信有许多业主会趁当前租屋需求暴涨的趋势,更加积极地将手中的房屋出租。

相关新闻:

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。”

相关新闻:

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。”

相关报道:

Categories贴士

你懂房贷利率怎么算吗?

2022年05月13日

为何国家银行升息,
我的房贷供款会增加?

国行宣布将隔夜政策利率(OPR)调升25个基点,也就是从1.75%调高至2%。

不过,这并不代表你的贷款利率就是2%!

OPR只是一项银行和银行之间隔日借贷的参考利息,银行用此利率来设定自家的基准利率(Base Rate,简称BR)、基准贷款利率(Base Lending Rate,简称BLR)和标准基准利率(Standardise Base Rate,简称SBR),也就是人们在银行贷款的利率指标。

你的房贷月供款额,也是根据这些利率来设。也就是说,当OPR上调,银行就会把这些基准利率跟着调高,那你的月供款自然也会调整了。

搞得清楚这些名堂吗?

  • 基准贷款利率(Base Lending Rate)

如果你的房贷是在2015年前申请的,那你的贷款利息是以BLR作为标准。

BLR是由国家银行来设定,银行再根据自己的贷款利率,来计算出向客户收取的利息。

算法:BLR参考利率 – 银行赚取的贷款利息 = 实际贷款利息
例子:5.65% – 2% = 3.65%

不过,这个机制被批评欠缺透明,一些银行以比BLR更低的利率来吸引顾客,借此推动贷款业务。

  • 基准利率(Base Rate)

为了解决BLR的确定,国行后来在2015年推出了BR。这个BR利率是由银行自己设定,国行不会干涉,而是取决于各家银行自身的内部基准,如融资成本和资金流动性。

在BR系统中,所有银行都必须公开其利润率(差价),根据贷款人的信用风险、流动性风险溢价和银行的营业成本和赚幅,也就是说金融机构无法提供低于参考利率的贷款利息。

也就是说,金融机构之间的竞争提高了,而且机制更透明,消费者就能拿到更优惠的利息。

算法:BR参考利率 + 银行赚取的贷款利息 = 实际贷款利息
例子:2.75 + 1.5% = 4.25%

每家银行都有不同的BR,也不一定要跟着OPR而上调。

  • 标准基准利率(Standardise Base Rate)

不过,BR框架也即将走入历史,因为从今年8月1日开始,将启用SBR框架。

SBR是零售浮动利率的参考利率,和OPR完全同步移动,只要国行升息,SBR就要跟着调高同样的幅度。

目前国行的OPR为2%,SBR也就是2%。

算法:SBR标准基准利率 + 银行的利息赚幅 = 实际贷款利息
例子:2% + 1.75% = 3.75%

国家银行认为,SBR的框架会比BR更加透明,因为统一参考利率后,借贷人可以通过OPR的利率来了解自己的贷款利率。

而且统一参考利率后,贷款者更容易比较各家银行,哪家赚幅比较低,从而找出最优惠的房贷。

如果你是在8月1日前的贷款,依旧会按照BR和BLR作为参考利率,不会换成SBR。

相关新闻:
这些银行调高了贷款利率!
国行升息 陆续有来……

Categories趋势

这些银行调高了贷款利率!

2022年05月13日

你的房贷,来自哪家银行呢?

不管来自哪家银行,随着国家银行(BNM)将隔夜政策利率(OPR)调高25个基点,国内的银行也纷纷跟着调高利率啦。

这包括基准利率(BR)、基准贷款利率(BLR)、基本融资利率(BFR)和回教融资利率(IFR)等。

这些都是你房贷的利率基准,也代表你接下来的房贷供款要增加了!

这些银行皆跟着国行的升息幅度,将基准利率调高0.25%。因此,你接下来偿还供款的时候,一定要向银行查询到底数额为多少。

来看看国内主要银行们目前的基准利率为多少:

  • 马银行(Maybank)和马银行回教银行(Maybank Islamic Bank

– BR: 从1.75%,调高至2%
– BLR:从5.40%,调高至5.65%
官网点击>>这里<<

  • 兴业银行(RHB Bank)和兴业回教银行(RHB Islamic Bank

– BR :从2.5%,调高至2.75%
– BLR或BFR:从5.45%,调高至5.70%
官网点击>>这里<<

  • 大众银行(Public Bank)和大众回教银行(Public Islamic Bank

– BR :从2.27%,调高至2.52%
– BLR或BFR:从5.47%,调高至5.72%
官网点击>>这里<<

  • 豐隆银行(Hong Leong Bank)和豐隆回教银行(Hong Leong Islamic Bank

– BR :2.63%,调高至2.88%
– BLR和IFR:从5.64%,调高至5.89%
官网点击>>这里<<

  • Muamalat银行

– BR :从2.56%,调高至2.81%
– BLR:从5.56%,调高至5.81%
官网点击>>这里<<

  • 回教银行(Bank Islam

– BR :从2.52%,调高至2.77%
– BLR:从5.47%,调高至5.72%
官网点击>>这里<<

  • 联昌国际银行(CIMB Bank)和联昌国际回教银行(CIMB Islamic Bank

– BR :从2.75%,调高至3.0%
– BLR:从5.60%,调高至5.85%
官网点击>>这里<<

  • 艾芬银行(Affin Bank)和艾芬回教银行(Affin Islamic Bank

– BR :从2.95%,调高至3.2%
– BLR或BFR:从5.81%,调高至6.06%
官网点击>>这里<<

相关新闻:
国行升息 陆续有来……

Categories趋势

国行升息 陆续有来……

2022年05月12日

我国也挥别低利率时代了……

国家银行(BNM)出乎意料地将维持接近2年时间的1.75%隔夜政策利率(OPR),上调25个基点至2%,上下限区间也分别调高至2.25%与1.75%。

随后,我国两家大型本地银行——马银行(Maybank)和兴业银行(RHB Bank)也宣布调高基准利率(BR)。相信接下来各家银行也会陆陆续续宣布调高基准利率。

这也意味着,我们的房贷成本,也将跟着提高。

隔夜政策利率是一项银行和银行之间隔日借贷的参考利息,银行用此利率来设定自家的基准利率(Base Rate)、基准贷款利率(Base Lending Rate)和标准基准利率(Standardise Base Rate),也就是人们在银行贷款的利率指标。

国家银行在文告中指出,虽然我国经济持稳,但增长风险仍存,比如说全球增长比与其疲弱、地缘紧张关系进一步升温、供应链的扰乱恶化,还有冠病疫情发展不利。

因此,预计多国央行会以更快步伐来调整各种货币政策,好减轻通胀压力。

国行的文告中也释放一个讯息:改行拒绝激进的鹰派立场,会有节制和循序渐进地收紧货币政策。

今年一定再升息?

这意味着,我国升息时代来临,接下来将会继续迎来升息,但调升的幅度不会过于凌冽。

李兴裕

中总社会经济研究中心执行董事李兴裕接受《南洋商报》访问时预测,国行今年料升息2码,也就是说接下来可能还有调升50个基点。

黄锦荣博士

而优大经济系副教授黄锦荣博士预测,下半年会再升息50个基点,比李兴裕的预期多,这是因为他认为国行会避免我国出现实际利率陷入负数。

“可能再升2次(25个基点),或是一次升2码;当然这是要观察此次升息后的次季经济数据,才能做决定。”

Categories趋势

银行可考虑“多代还房贷”?

2022年02月15日

首相要求检讨房贷模式,
什么方式最适合呢?

对于首相拿督斯里依斯迈沙比里早前表明,要求国家银行(Bank Negara)检讨房贷模式,以帮助中低收入群体拥房,经济学家普遍认为,应该采取“多种”融资机制,让贷款者按需求和能力申请。

首相拿督斯里依斯迈沙比里

考量家庭成员的负担能力

其中,马来西亚科学与工艺大学(MUST)经济学教授杰弗里威廉博士建议,国行可以修改房贷的条件,不是“一个人“偿还,而是”一个家庭“负责偿还,也就是”多代还贷“。

他认为,在审批贷款的时候,银行可以同时考虑家庭成员的还贷能力,并允许更长的还贷期,并持有一部分的房子所有权。也就是说,当借贷人去世的时候,房子所有权部分归家庭,部分归银行。

调整先租后买贷款

杰弗里威廉博士建议,先租后买的房贷,可以依据租金成本来设定每月的供款额,而不是贷款的成本。

另一个选项就是,不需要用“拥屋”的标准考虑贷款,而是根据住户入住的时长来计算贷款。

针对弱势群体的融资制度

双威大学经济学教授姚金龙博士则认为,需要针对弱势群体设定不一样的融资制度。中低收入群体常常会被归类为“高风险群体”,所以很难贷款。

因此,银行在维持审慎的标准时,也可以通过针对性的信贷、设定利率上限、提供补贴等方式,来帮助中低收入群拥屋。

 其他问题亦须解决

杰弗里威廉指出:“从长远来看,我们需要广泛的选项组合,让人们根据自身的需求选择。”

除此之外,他也强调,当局也应该从其他方面着手改革房地产市场,包括解决供需问题、减少业者通过联盟控制价格、并终止扰乱市场的房地产发展商相关补贴等。

相关新闻:
放宽房贷 恐被滥用 促使泡沫
买不起房 光靠银行无法解决
佳日星:不少廉价屋贷款也被拒
首相:国行要检讨房贷模式!
首相:政府会建足够可负担屋

Categories趋势

放宽房贷 恐被滥用 促使泡沫

2022年02月14日

放宽房贷给中低收入群体,
一定就能帮到他们吗?

首相拿督斯里依斯迈沙比里指示国家银行(Bank Negara)重新检讨房贷模式,以便中低收入群体能更容易向金融机构申请到购买可负担房屋的贷款,引起市场热议。

有政府官员发声支持,但国家银行(Bank Negara)总裁丹斯里诺珊希亚随后在记者会上指出,光靠融资不能解决问题,还需要应对供需、房价透明度等问题。

丹斯里诺珊希亚。

那坊间的看法呢?

凯翔咨询集团总执行长兼税务专家、中华总商会总财政孔令龙提出两个看法。一是担心放宽房贷会被有心人士滥用,二是怕引发更大的房地产泡沫。

孔令龙。

他形容,放宽房贷的政策可能是把“双刃刀”,为发展商和购屋者提供便利,但亦存有或被滥用的可能。

从正面来看,无论是直接购买还是先租后买,只要更容易获得房贷,就能帮助卖出滞销的房产项目,进而带动经济增长,毕竟随着房地产陷入低迷,投资、建筑等150种附属行业都会受冲击。

全国PR1MA项目分布图。

还不起贷款影响深远

但是,他认为房贷政策不能松懈,如果轻易批准,贷款者最终无力偿还,导致房屋被迫拍卖,后续还会影响其他新的房产项目停滞、银行难贷款等等,会导致严重的房地产泡沫。

“政府和银行需要有很多的考量,除了简易借贷以外,还需从很多方面着手,才能真正为人民提供援助。”

他补充,就目前的房贷政策而言,银行对首间房屋的贷款批准率并不低,至于购买第二间或以上等用于投资的房屋贷款则会稍加考量因素,批准率较低。

人民亲善房屋数据。

对于政府在可负担屋的政策,孔令龙指出,之前所推行的拥屋计划等政策都相当不错,免费印花税等优惠让首购族受惠不少,政府或可检讨并加强其执行能力,再度推出有关计划让更多人受益。

他也认为,现今的购屋者追求具有交通、设施等便利,因此政府可从规划土地、道路及公共交通网络等着手,解决人民对住所的需求。

相关新闻:

 

Categories趋势

佳日星: 不少廉价屋贷款也被拒

2022年02月14日

申请房贷被拒,
各州都面对这问题。

掌管槟州房屋与地方政府委员会的行政议员佳日星指出,在首相拿督斯里依斯迈沙比里主持的国家可负担房屋理事会(MPMMN)会议中发现,各州政府都面对人民申请房贷被拒的问题。

他形容,州政府自2014年来就和银行商讨此事,但一直没有办法解决问题。他要求国家银行回答,如何解决人民房贷被拒的问题。

在他看来,不应该拒绝廉价屋与中廉价屋购屋者的贷款申请,理应批准更多这类房屋的贷款,以便协助民众购房屋。

佳日星是出席甘榜马来由BLOK A人民组屋的记者会时发表谈话。出席者包括武吉牛汝莪国会议员兰加巴及亚依淡州议员黄顺祥等。

佳日星(右三)要求国家银行提供人民购屋申请贷款被拒的解决方案。左起为黄顺祥及兰加巴。

依斯迈沙比里在主持MPMMN会议后发表文告指出,政府已经要求国家银行重新检讨房贷模式,以帮助中低收入群体能拥有自己的房屋。

国家银行(Bank Negara)总裁丹斯里诺珊希亚之后在一场汇报会上指出,对许多国人而言,房价还是太贵,而拥屋问题不能光靠融资来解决问题。必须要引入更多创新方案来解决问题,包括研究房屋供需不匹配、提高房价透明度、租赁市场等。

国家银行总裁丹斯里诺珊希亚。

她称各银行都高度支持政府的拥屋计划(HOC),但是去年批准给首购族的贷款额,就超过600亿令吉。

其中,有超过60%的贷款,房价低于50万令吉。

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Categories趋势

买不起房 光靠银行无法解决

2022年02月14日

买不起房子,
是银行不贷款的错?

许多国人还是买不起房子,到底是谁的“锅”?

国家银行(Bank Negara)总裁丹斯里诺珊希亚就点出,对许多国人而言,房价还是太贵,而拥屋问题不能光靠融资来解决问题。

国家银行总裁丹斯里诺珊希亚。

她在国内生产总值(GDP)汇报会上强调,必须要引入更多创新方案来解决问题,包括研究房屋供需不匹配、提高房价透明度、租赁市场等。

对于国内银行方面,她称各银行都高度支持政府的拥屋计划(HOC),但是去年批准给首购族的贷款额,就超过600亿令吉。

其中,有超过60%的贷款,房价低于50万令吉。

首相拿督斯里依斯迈沙比里日前主持国家可负担房屋理事会(MPMMN)会议后发表文告指出,政府已经要求国家银行重新检讨房贷模式,以帮助中低收入群体能拥有自己的房屋。

首相拿督斯里依斯迈沙比里。

他透露,国行检讨的房贷方向,应着重在直接购买和先租后买(RTO),让中低收入群体更容易向金融机构申请到人民组屋(PPR)和可负担屋的房贷。

诺珊希亚指出,疫情已对房市带来改变,因此融资模式也需要跟着调整。

“举个例子,随着远程工作愈发普遍,潜在买家可能愿意购买市中心以外的房产。”

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      • 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

      免责声明

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

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

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

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

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

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

        property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

        Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

        You will on demand indemnify and keep indemnified property.eNanyang.my from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by property.eNanyang.my in connection with or arising from (1) your use or misuse of this web site and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against property.eNanyang.my in connection with your use of this web site.


        property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

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

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

        私隐政策声明

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

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

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

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

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

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

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

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

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

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

          This notice was updated: 5th February 2014

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