Categories贴士

有地房产却属分层地契?

2022年07月25日

分层有地房产的利与弊,
你了解吗?

分层产业项目,是指将建筑物或土地划分为多个地段,或分割成许多小片的土地,并置于一个管理系统之下。组屋、公寓和共管公寓等高楼住宅,是非分层有地房屋的典型例子。

另一方面,有地房产通常属于个人地契,但连栋住宅(Townhouse)除外,连栋住宅是多个业主共用一座建筑物,所以属于分层有地房产(Strata Landed Properties)。

也就是说,分层土地开发项目正日益成为常态。如今,在针对中高收入群体的双层排屋、半独立式房屋和独立式洋房中,都属于围篱与保安(Gated and Guarded)项目,而这类项目一般都属于分层有地房产。

分层有地房屋有其一定的吸引力。例如,位于吉隆坡甲洞的城市花园(Desa Park City)自2000年推出以来,一直享有我国最成功分层有地房屋项目之一的美誉。

吉隆坡甲洞的城市花园享有我国最成功分层有地房屋项目之一的美誉。(档案照)

购买分层有地房屋好处

1)法定保护

属于分层地契的土地,受2013年分层管理法令(757法令)和1985年分层地契法令管辖。2013年分层管理法令阐明,分层发展项目的所有业主,必须缴纳维护费和储备金(Sinking Funds)。

该法案进一步为所有单位业主提供了通过建筑总监和分层管理仲裁庭解决争议的途径。后者是一种在没有法律代表的情况下,更快、更实惠和使用解决争议的方式,让业主们有机会尽速解决问题。

与上法庭相比,这是更好的选择,因为上庭涉及的法律费用和程序,可能既昂贵又耗时。

2)更美观、更安全

分层有地房产通常是统一的,这使得有关社区在视觉上很有吸引力。由于外墙装修受到限制,业主们可期望他们的视野保持畅通,而邻近的房产多年来也不会改变。

由于维护工作是由一个私人管理机构负责,发展商还能提供更好的景观美化和公寓式设施,如健身房和游泳池。

另一个好处是安心,这要归功于位于房屋项目周边的警卫和闭路电视摄像机等安全功能。如果你选择封闭式社区,你还可以获得额外的保护。

较早期的个人地契房屋项目,在达成共识以过渡到有围篱与保安的社区方面面临障碍,或遭遇一些居民不支付保费费用的困扰。分层有地房产从一开始就避免了这些问题。

连栋住宅被视为分层物业,因为多个业主共住一栋建筑物内。

3)更好的管理

物业管理机构获得法规授权,以拟订章程或追究拖欠付款的人。

在私人管理机构的管理下,社区街道和公园也往往得到更好的管理,而非一味依赖地方议会处理。

在年度大会期间,业主可以对管理委员会成员进行投票,然后管理委员会可以任命或更换没有完成社区维护任务的物业管理公司或服务供应商。

妥善管理及维护社区居住环境。

分层有地房产缺点

1)潜在的高额维护费用

2013年分层管理法令(757法令)规定业主们必须支付维护费和储备金。那些设备越富丽堂皇的单位,业主所需支付的服务费就越高。

个人地契房屋的业主只需在房屋贷款摊还期限内还贷,还清房贷后,未来可完成转名手续,将房子转让给近亲。

相对之下,分层有地房产的业主必须支付维护费,只要该房产归他们所有。继承房屋的后代也将继承这些每月付款。

此外,随着通货膨胀和设施或公共区域老化,维护成本增加,维护费用长期会持续上涨。

更令人沮丧的是,一些业主支付了维护费,但发现他们的社区由于管理不善或收款率低而恶化。

2)根据土地面积大小收费

业主需支付多少的维修费等服务费,是根据单位土地面积的大小计算。因此,与中间单位的业主相比,由于土地面积更大,终端单位和角头单位业主支付的费用更高。

即使终端单位和角头单位的建筑面积和中间单位一样,这2类单位仍需支付较高的费用。

3)业主负责本身单位维修

分层有地房屋业主期望管理机构维护他们的单位,但不幸的是,业主们无权依据分层管理法令提出这项要求。反观非有地分层房屋(高楼住宅)业主则可要求管理机构这么做,因为根据该法令,管理机构负责维护有关单位。

因此,分层有地房屋业主在必须支付维护费的当时,还必须自费维修和保养本身的物业。

4)装修工程的限制

根据分层地契,购房者在法律上被视为购买了有关房屋所在的土地,而不是有地房产。有关土地受分层管理法令监管,对翻新工程有严格而全面的限制。

这意味着,未经物业管理委员会事先批准下,业主不得擅自更改建筑物的外墙或扩建房屋。外墙包括外窗、阳台、露台和建筑物的其他可见部分。

即使业主想更改本身单位的正门,也需要获得许可,并遵守管理章程。

角落单位还带有大片土地,如果没有其他业主的同意,这些土地将无法进行扩建。由于分层有地房屋住宅区中的大多数单位都是中间单位,因此角落或终端单位的业主往往会发现,他们要扩建房屋的努力徒劳无功。

相对之下,传统个人地契的业主只需获得地方政府的许可,即可自由翻修和扩建住宅,以满足家庭成员不断增加的需求。

5)火灾保险受保范围

在非有地分层房屋项目中,管理机构必须负责为整个细分建筑(包括个别建筑单位所在的土地)购买火灾保险。

然而,分层有地房屋项目却截然不同,个别单位的业主必须自行购买火险。

尽管面对以上种种限制和出现一些缺点,分层有地房屋仍是日益受市场欢迎的房屋项目。

(本文获得PropertyAdvisor.my产业资讯网站授权转载)

 

Categories意见

土地转卖失拥有权 买家有责

2022年06月13日

林国强律师
林国强律师事务所资深合伙人

 

先付款买下一块地但被转售?
有可能要不回来…

如果买家已全额支付所购买产业的价格,但该产业并未登记在其名下,卖方可否将该物业出售给另一位买家?

案情

(1) 起诉人指他于1987年向一名叫桑康阿都沙曼的人购买一块土地,并全额支付了收购价。

(2) 起诉人(简称为“第一买家”)宣称,他在与桑康阿都沙曼签订协议后,获得后者的授权书中,授权接管该土地。

(3) 起诉人过后接手有关土地,并在土地上进行耕作。过后,原告于1996年搬离沙巴斗湖,将该土地交给其代理人打理,而后者在该土地上盖了一间房屋,并住到现在。

(4) 桑康阿都沙曼去世后,起诉人得知第二答辩人即桑康的儿子已继承和接管该土地。

(5) 根据志期2018年8月14日的买卖合约,第二答辩人作为土地的注册地主,以40万令吉的价格将其出售给第三答辩人(“后续买家”)。起诉人称,由于桑康阿都沙曼生前已将该土地卖给他,因此第二被告无权转让该土地。

(6) 起诉人在入禀法庭的索偿申请中,寻求履行他与桑康阿都沙曼当初签署的协议,并将土地转让和登记在其名下。

(7) 另一方面,后续买家宣称本身是一名真诚的买家,并已支付买价,且不知道第一买家与桑康阿都沙曼之间的交易。

本案的核心问题,在于起诉人作为第一买家,还是第三答辩人即后续买家,对该土地有更好的拥有权。

法庭判决

(8) 法庭认为后续买家是真诚买家,并已支付买价,且对第一买家与桑康阿都沙曼之间的交易不知情。

(9) 后续买家已与该土地的注册地主即第二答辩人进行交易。

(10) 第二答辩人于2016年9月1日成为该土地的唯一注册地主,而他过后于2018年8月14日签署转售土地给第三答辩人,两者之前间隔将近2年的时间,但第一买家并未在这期间提出任何索赔的证据。

(11) 正如印花税所示,后续买家所支付的40万令吉收购价,是依据市价。该土地转售交易经过正当的程序进行,包括提交农业局要求的各项必要报告,以及遵守土地与测量局针对地契条款的条规。因此可以说,后续买家是一名真诚的买家,并已支付收购价,且不知道第一买家与桑康之间的交易。

(12) 由于第一买家的行为极其怠慢,导致后续买家相信并据此假设,第二答辩人是真正的地主。

(13) 第一买家身为一名买家,却没有在有关土地的地契于2014年2月2日以桑康名义发出后,申请产业冻结令。即使在他得知第二答辩人声称该土地是桑康遗产的一部分后,他也明显地忽视或未能就该土地提出产业冻结令,以警惕潜在买家。

(14) 何况,第一买家本可依据桑康给予的授权书行使他的权力,以索取地契并执行土地转让。他本可继续根据授权书,将土地转让给他自己或他的提名人。然而,他在发现第二答辩人有意索取该土地后,很长一段时间都没有这样做,直到该土地于2018年被转让,并登记在后续买家的名下才来采取行动,但为时已晚。

(15) 法庭裁定后续买家对该土地拥有更好的拥有权。后续买家是该土地的合法注册地主。

(16) 第二答辩人须向第一买家支付40万令吉的赔偿金。

结语

(17) 作为一名谨慎的买家,在进行买卖交易后应提交产业冻结令,这将向其他人发出明确信息,表明该物业有未完成的交易。

(18) 买家不应怠慢,应采取措施办理产业转让登记。

 

Categories趋势

想做岛主?沙巴就有!

2022年05月17日

你有“岛主”梦吗?
在沙巴就能实现愿望!

只要你有至少1.2亿令吉以上的资本,那你就有机会在大马拥有一座属于自己的岛!

近日在社交媒体上传播着一张广告图,属于沙巴的达益岛(Pulau Daat)即将公开拍卖,底价为1亿2150万令吉。

地契还有831年

据了解,这座岛位于孟奴卜(Menumbok)和纳闽(Labuan)之间,面积有578英亩,目前的岛主是Potensi Bernas私人有限公司。

根据广告,这座岛拥有999年的租赁地契,将在2853年12月31日到期,意味着若买下这座岛后,地契还有831年财到期。

这场拍卖将在本月27日早上10点公开拍卖。

不适合油气发展

相信不少人对达益岛非常陌生,通过网上搜索结果并不多,最常被提及的是关于纳闽-孟奴卜大桥的新闻。

这座桥亦称纳闽大桥,计划分成两个部分,先由纳闽岛连接达益岛,再连接到一海之隔的孟奴卜。一旦大桥竣工并开放通车,将使纳闽至亚庇的路程从原本的4小时缩短至1小时40分钟。

根据North Borneo Philately在面簿上的贴文,在1856年时,当时的纳闽总督George Warren Edwardes代表维多利亚女王,将地契颁发给John Gavaron Treacher和Clarence Cooper。

在2020年时,The Daily Express也曾报道,这座岛至少两度被批准用于储存石油和天然气,但最后却不了了之,因为据说岛周边被浅水和泥泞的水包围,不太适合进行油气发展。

 

Categories问诊室

土著保留屋 能转地契吗?

2022年05月17日

法律专家:张玮真律师
VALERIE CHONG & CO
vc@valeriechong.com

 

问:

张律师,您好!

我看中一间保留给土著(bumi lot) 的双层排屋,地点好、租金潜力可观,是99年地契。

请问土著房屋的地契可以申请转为普通地契吗?在申请的过程万一失败了,还需要付律师费吗?

整个过程需要多久时间?成功率高吗?

Swee Sang


答:

Swee Sang,您好!

土著保留屋一般都不能转卖给非土著,您可以先去土地局(Land Office)询问该房地产的地契状况。

若真的很想要,可以提交“转让同意申请书”,并提供理由说明为什么应该“释放”(release)该地段。

比如说:即使已经打广告和宣传多年,这土著保留屋依旧没有土著购买。

如果申请失败,仍然可以提出上诉。

不过,这过程可能需要长达数年的时间,并且无法保证成功,因为结果将由土地局根据具体情况来判断。

至于律师费用,您必须和您的律师商量。

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

 

Categories问诊室

路灯坏了,投诉也没用!

2022年04月26日

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

 

问:

张先生,您好!

我这里周围的路灯还有公园的灯已经损坏多时,也向管理层投诉过好多次。

但是管理层每次都说会派人去看,之后就没有下文了。

请问我可以怎么做呢?投诉已经超过了半年,但是完全没有改善。灯陆续损坏,管理层无动于衷。

Kuo Ern


答:

Kuo Ern,您好!

情况可能有三:

首先需要先了解您小区的地契类别,是分层地契 (Strata Title)或是个别地契(Individual Title)。

如果该小区是属于个别地契,路灯还有公园的设备都是属于市议会的权限范围,投诉的单位是市议会,而不是管理层了。

如果该小区是属于分层地契的房屋发展规划,共用共有的设备设施都属于私产,并受到联合管理机构(Joint Management Body,简称JMB)或管理机构(Management Corporation,简称MC)的权限范围.

其二,是否已经成立了JMB或MC?

如果您的小区用于民选的管理委员,多次投诉后并未改善,就需要向以下两个机构发出投诉:

1)建筑专员(Commissioner of Building);
2)分层管理仲裁庭(Strata Management Tribunal)

其三,经费。该区的管理费缴交率是否达合理水平,笔者过去的经验发现,很多时候不是管理委员不办事,而是兜里清凉,难办而已。

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

 

Categories趋势

农地建屋 永久地契变99年

2022年03月15日

永久 vs. 99年,
差很远哦……

农业用地转为住宅后,永久地契突然变成99年期!

事件苦主是甲洞武吉马鲁里花园,24间房屋双层排屋或单层排屋的业主。

幸好,高庭13日裁决,还24位业主公道,得以转回永久业权,还获得金赔偿。

根据去年8月入禀的原诉传票,24位申请人指房屋佔地的总地契,原是永久业权,当年是爱丁堡橡胶园主的橡胶园。

橡胶园主1973年把土地转让给Sharikat Permodalan Kebangsaan公司,并由马鲁里私人有限公司开发房屋项目,土地转变为租赁地契。

不能剥夺财产权利

申请人的代表律师毕里旦星说,申请人试过各种方式来解决问题,甚至曾致函首相署,惟都不成功,最终惟有寻求法律途径讨回公道。

高庭司法专员伊维罗说,根据联邦宪法,申请人的“财产权利” 不能被剥夺。

她在线上宣布判决时指出,吉隆坡土地及矿物局宣布有关土地的99年地契租赁条件无效,并且违反宪法。

她谕令该局总监,把有关24间房屋用地,转换为永久地契,并颁发新的永久地契予申请人,同时谕令该局支付1万4500令吉费用予屋主。

 

Categories贴士

买排屋或公寓好?享乐篇

2022年01月28日

【买排屋或公寓好?第2篇】

天下没白吃的午餐,
享乐也得用金钱交换。

年轻一辈特爱公寓,主要是社区是围篱式,有各种公共设施可以享用。

但是,打造公共设施都需要成本,之后还要维护和保养。

打造这些设施的成本发展商已经纳入房价,但维持和保养这些设施都需要居民付出。

也因为这样,住公寓会延伸出另一个业主必须做好心理准备的经济负担──管理费。

下面列出各种和设施、服务等相关开销,也是买家决定买公寓或排屋前应该细心考量的:

公寓会所设施吸睛

公寓另一项吸引买家方是社区内的各种设施和公用空间,像泳池、健身房、公园、烧烤区、健康步道或球场和游戏室等等。

有些新的排屋楼盘也设有会所,内部同样有各种公共设施。

但对中价位排屋来说,也并非极普遍,大部份只有儿童游乐场或公园。

享公共设施有代价

一般概念是,住公寓,每月都要付管理费(Maintenance Fees),用作管理公共空间和设施,还有支付整个社区的清洁和安保费用。

当然,还有管理处提供的保安服务,还有保全设备也需要维护。

而用作维修损坏设施,或是翻新用途的开销,业主也需要固定贡献维修基金(Sinking Fund)给管理处。

所以常常有人说,“住公寓,退休后没收入还要付管理费,承担不了。”

可是,这也是一个误解,并非公寓才要付管理费,住排屋就不用付。

因为凡是2013年分层管理法令(Strata Management Act 2013)管辖的住宅,业主也要付以上费用,和有地房产与公寓无关。

如果你选的排屋是围篱式社区,採纳分层管理,社区内也有保安、会所和各式公共设施,所谓“羊毛出在羊身上”,这类社区的居户也得承担管理费。

欠管理费后果严重

顺带温馨提醒,根据2013年分层管理法令(Strata Management Act 2013),所有分层地契社区的业主,法律上都有义务付管理费,拖欠不还,管理处可依法追究,包括起诉破产。

同时,地方政府也可上门执法,并把屋内财物拍卖用作还债。

 

Categories贴士

买排屋或公寓好?金钱篇

2022年01月28日

【买排屋或公寓好?第1篇】

有地住宅还是高楼公寓,
这道选择题会难选吗?

很多人可能一辈子才买一间房子,当然要深思熟虑,方便做预算和规划。

“买高楼式的公寓好还是买有地房产,例如排屋好?”应该是大家要思考的最基本问题。

撇开地点、设计、发展商和地契问题,决定买哪种住宅之前,至少要先了解公寓和排屋之间的差别或利弊。

下面为大家梳理一些重要跟钱相关的看点,值得大家拍板前好好思量:

好地点公寓较易负担

地点相距不远的话,排屋价格往往比公寓更高,主要是地价偏高,而且策略地点的供应很紧,身价自然水涨船高。

相对下,公寓售价比较低,对社会新鲜人、年轻夫妇来说,更易负担;没有父荫又想住在市区的首购族,买公寓更容易一圆业主梦。

市区旺区新排屋难求

因为土地很有限,一般在市中心新推出的住宅楼为都是公寓为主,发展成熟的旺区情况也一样。

市中心的有地房产,一般都是老房子,不介意买旧屋的人,也要另外准备一笔现金来装修。

还是坚持要买排屋?那可能要住得离市区远一点才有新楼盘,而且新推出的有地住宅,一般都是分层地契的项目。

地契种类影响门牌税

门牌税(Cukai Pintu / Taksiran或英文Assessment Rates),是地方政府依据房产单位可收租金来评估出税率而制定。

也就是说,房产的潜在租金越高,门牌税也越高;所以同类房产在不同区,或者是同区但不同类型的房子的门牌税不同。

很多人不知道,高楼房产即使是同区或毗邻,门牌税都可能不一样。

相对一般纯住宅公寓,商用地契(Commercial Title)的服务式公寓(Serviced Apartment),又或顶著各种好听名堂如SoHo、SoFo及SoVo的单位,门牌税更高。

反观排屋,都是建在住宅用地,门牌税就自然是依据住宅房屋的税率计算。

 

Categories趋势

太平苏丹路木屋 等不到地契

2022年01月20日

惴惴不安,
担心哪天就无家可归了……

60年前就开始居住、申请了十多次的地契仍无果,还有其他人扬言获得地契,终日担心哪天被迫迁……

“没有一刻住得安心“,是太平后廊(Aulong)新村边沿的苏丹路和草场路、15间木屋区居民的心情写照。

居民们大举字牌盼政府早日发出地契予他们,左起是林庭绰及何碧凡。

这个木屋区建立超过60年,许多老村民更是从上一代就开始居住在这里。但至今,他们都还没获得地契,而且也因此不敢维修残旧不堪的屋子,只能任由倒塌。

这些居民们联合吁请拉律峇登县土地局早日发出地契,真正落实政府“居者有其屋“的理念。

王来建:深怕屋地被他人申请。

据68岁的居民王来建指出,他的父亲在60年前就居住在此,当时拥有临时地契,还有水电供应。但他和父亲先后申请地契超过10次,始终无下文。

最近5年,居民们已连续申请3次地契,每次的申请费用为10令吉,但依然没有获得任何的回复。

更让居民担心的是,近年来一直有一些外来者申请这地区的地契,甚至扬言已经获得批准,这让居民更加担心,哪一天就会被“赶出去“。

居民们多年来曾多次向代议士要求协助,但地契问题仍无法获得解决。

“近来有一些木屋区如中山路及后廊甘庶芭都已获得地契,希望当局能关注我们的困境,尽快发出地契让我们有一个安身之所。“

他认为,如果土地局无法发出当地的屋地,折衷方法是发出其他重组村的屋地予居民,实现居者有其屋的理念。

位于苏丹路的一些木屋已残旧,另一间甚至已倒塌,居民希望能早日获得地契,以便重建及维修。

何碧凡:问题已拖延多年

行动党太平第一花园支部主席何碧凡也说,本身在多年前便接到居民的投诉后,与支部秘书林庭绰据理力争协助居民向土地局申请地契,并在3年前提呈居民的宣誓书,过后土地局也派员进行登记,但较后却无下文了。

他指出,不久前再度前往土地局询查进展,并获告知须再一次提呈宣誓书,故将会安排居民办理,然后呈予土地局。

“后廊苏丹路与草场路木屋区的问题已拖延许多年,盼政府能正视并早日发出地契,让居民得以重建房屋。“

Categories趋势

水灾泡坏地契 竟罚400令吉!

2022年01月14日

法律不外乎人情,
天灾造成的损坏让灾民怎么办?

巴生县去年12月发生开埠百年大水灾,事发突然让灾民们措手不及。

好不容易收拾好心情刚清理完家园,灾民们现在却面对另一项打击:因水灾中而浸坏的地契,更新需要缴付400令吉的罚款。

班达马兰州议员梁德志接获3户灾民的投诉后向媒体指出,这些灾民们是到巴生县土地局搬离更新手续时,才被告知必须支付罚款才可以领取新地契。

已向政府反映

此举无疑在灾民伤口上撒盐,政府才给灾民1000令吉援助金,更新地契就得花掉40%。更何况,天灾事故损毁的文件,原本就应豁免费用。

他透露,已经向州政府反映此事,希望政府能豁免相关收费,避免加重灾民负担。

据了解,目前因水灾而需要更新地契的灾民不多,他建议如果不是急于出售房子,就暂时等一等,先报警备案,直到州政府做出宣布。

 

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

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

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

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

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


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

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

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

    私隐政策声明

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

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

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

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

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

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

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

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

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

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

      This notice was updated: 5th February 2014

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

      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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        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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