Categories趋势

15%澳洲Z世代 自认买不起房

2022年08月12日

在澳洲,
许多人对“拥屋”好悲观……

澳洲最大比价网站Finder最新的调查显示,高达37%的澳洲人认为,即便今年房价下跌,他们仍无法负担购买一间房子。在去年,这个比例仅23%。

更悲观的是,在低于25岁且未购买房屋的Z世代中,有15%自认这辈子都买不起房,比去年的6%高出许多。

而在年龄介于26至41岁的千禧世代中,觉得自己无法负荷买房的比例从21%提高至34%。

Finder房贷专家理查德惠顿(Richard Whitten)指出,越来越多人对拥屋前景感到担忧,让人感到难过,但并非无法理解他们的想法,毕竟房价在过去几年如火箭般飞升,尤其在一些地区的价格甚至可以说是荒谬。

“不过,随着经济学家预期经济衰退的前景,加上利率终于从最低点往上调,今年下半年很大可能会看见房价下跌,尤其是悉尼的价格会更波动。”

澳洲低于25岁且未购买房屋的Z世代中,有15%自认这辈子都买不起房。

即便房价跌 也是九牛一毛?

投资银行Jarden估计,澳洲房价在未来18个月内可能跌高达20%。但理查德惠顿认为,在经历几年的大幅上涨后,房价如今“小幅下跌”,并没有太大的意义。

Finder的这项调查还显示,在7月时只有33%的澳洲人相信当前是购房的好时机。在2021年12月时,还有67%人这么认为。

这项调查访问了2521位尚未拥屋的澳洲人,以线上方式进行。

资料来源:Finder、9news

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。

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Categories推荐 趋势

多伦多房价惨跌5个月

2022年08月9日

连续几个月跌势,
加拿大房市撑得住吗?

近几个月,加拿大房价跌势加速,从4月以来房价总跌幅已经达到13.3%,是自2005年追踪该指标以来,跌幅最大的4个月表现。

而加拿大的大多伦多地区房价,也已经连续下跌5个月。

华尔街见闻报道,根据多伦多地区房地产委员会,7月跌至107万加元(约368.72万令吉),按月跌6.2%,若是和2月时的峰值比较,已经跌了19.5%。

同时在7月,多伦多的房屋销量按年跌47%,新房源按月少了2.7%。

总部位于多伦多的经纪公司Property.ca的销售副总裁布兰多科宛斯认为,市场如今已经向有利于买家的方向发展,预计随着加拿大银行提高利率以帮助减缓通胀,房价将继续下降。

多伦多地区住房需求放缓,房价连续下跌5个月。

加拿大央行从3月开始积极升息,以控制40年来最高的通胀率,房价也从当时开始“逆转”,市场认为房市的痛苦才刚刚开始。

另一份报告显示,加拿大最昂贵的市场温哥华也出现了类似的趋势,7月份的房屋销售量按月下跌,迫使基准房价下降2.3%至120万加元(约413.52令吉)。

Categories推荐 趋势

悉尼房价六连跌 40年来最惨

2022年08月5日

之前升得快,
现在却跌不停……

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

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

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

另外,墨尔本跌1.5%,霍巴特和堪培拉的跌幅则分别为1.5%和1.1%。

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

澳洲的房价也是全球房价最贵的市场之一。

升息打击房市

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

“随着利率持续上升,房市状况可能会进一步恶化。”

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

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

资料来源:华尔街见闻、环球网、新浪新闻、网易新闻

Categories趋势

韩国首尔公寓,价量齐大跌!

2022年08月4日

首尔房价大跌,
当地人能负担得起了吗?

韩国房价一直高居不下,尤其是首尔的房价简直是“寸土寸金”,高房价更是多个政府都难以解决的民生问题。

如今,韩国央行跟随全球多轮升息,正在快速刺破这些泡沫。

韩国数据显示,首尔公寓的价格创下26个月以来的最大跌幅,6月的成交量更是按年大跌73%。

截至6月27日,首尔整体房价比年初低了0.19%。而在过去5年里,首尔的房价上涨了一倍多。

韩国央行跟随全球多轮升息,首尔公寓的价格创下26个月以来最大跌幅。

随着房价再跌,租金价格也受影响。韩国最大商业银行韩国国民银行的每月住宅统计数据显示,首尔公寓的平均全租价格从6月的6亿7792万韩元(约230万令吉),跌至7月的6亿7788亿韩元,是39个月来首次按月下跌。

全租是指租赁者不按月交纳租金,而是一次性交纳保证金的制度。保证金一般在房屋售价的60至80%之间,合约期内没有月租,期满后房东将保证金全额退还。

房贷压力大 违约风险增

不过,随着房贷利息越来越高,韩国房地产债务也面临重大的违约风险。

韩国央行很早就意识到该国的房价涨幅太快所带来的风险,因此在2021年8月就主动刺破泡沫,成为全球首个升息的央行,之后也不断出手升息。自首轮升息以来,已经累计升息2.25个百分点。

这也导致平均抵押贷款利率,上升到当前的5至6%,是9年多来的最高水平。

家债对GDP比例 全球最高之一

令人担忧的是,截至去年底,韩国家庭负债与可支配收入的比率,高达206%。今年首季,韩国家庭负债对国内生产总值(GDP)的比例更是104.3%,是全球最高之一。

韩国金融监管机构预计,一旦平均抵押贷款利率从目前的5至6%升到7%,拖欠贷款的人数可能增加50万至190万人。

由于韩国近四分之三的家庭财富与房地产有关,政府担心抵押贷款利率上升可能会增加违约率,导致经济陷入金融危机。

资料来源:新浪财经、财经网

Categories趋势

我国今年首季房价下跌……

2022年07月5日

我国平均住房的房价,
只有高楼住宅仍涨。

国家产业资讯中心(NAPIC)最新数据显示,我国房价指数在2022年首季转跌,按年跌0.1%,按季跌2.0%至200.9点,平均价格为43万3430令吉。

其中,只有高楼住宅的均价取得涨势,但涨幅非常小,按季仅涨0.1%至34万2176令吉。

2022年首季房价转跌,但若和2010年首季比较,12年来涨了96.9%。

独立式均价跌最多

排屋均价按季跌2.2%至41万527令吉;半独立式价格跌2.6%至66万636令吉;独立式房屋的均价跌幅最大,首季报61万7678令吉,跌幅达4.1%。

虽说我国首季的平均房价无论按年还是按季都下跌,但若和2010年首季比较,12年来涨了96.9%,当时的均价为22万154令吉。

另一方面,除了房价下跌,今年首季的房屋交易量也处于跌势,按季减少4.9%,共有9万4544宗交易。

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Categories趋势

美国买房难,租房也难……

2022年07月1日

买或租都贵!

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

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

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

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

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

好吧!买不起房,租行了吧!

美国许多地区的月租金都出现两位数涨幅。

月租接近9000

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

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

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

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

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Categories趋势

美国4月房价放慢涨20.4%

2022年06月30日

美联储大幅升息,
开始吓跑买家了。

美联储“下重手“升息,美国房贷利率持续飙升,开始让买家却步房市,美国4月房价的增速也出现拐点。

涵盖全美的标普/凯斯席勒(S&P/Case-hiller)4月房价指数按年增20.4%,涨幅略低于3月的20.6%涨幅,当时也是自1987年此数据开始追踪以来的最高水平。

数据显示,美国十大城市的房价指数按年涨19.7%,略高于3月的19.5%;20大城市房价指数在3月按年增21.1%,4月则涨21.2%,略低于市场预期的21.5%增幅。

在20大城市中,有11个城市的房价增速放缓。涨幅最惊人的是佛罗里达州坦帕市(Tampa),按年狂飙35.8%;佛罗里达州的迈阿密市也涨33.3%;涨幅第三高的是凤凰城,大31.3%。

随着美联储升息,借贷成本更加昂贵。

高房价难以为继

标准普尔道琼斯指数公司总经理克雷格·J·拉扎拉指出,4月数据显示美国房价增速下降的初步迹象。随着美联储升息,借贷成本更加昂贵。宏观经济环境备受挑战,难以再支撑非凡的房价涨幅。

“与过去5个月大多数城市的房价加速上涨形成鲜明对比的是,4月份只有9个城市的房价上涨速度超过了3月份。”

美国30年期固定按揭贷款的平均利率在1月初为3.29%,3月底为4.67%,4月份时越过5%的大关。6月时更是突破6%。

飙涨的利率打击了购房者的信心,市场预期房价上涨的趋势会有所缓解。

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Categories趋势

科技赋能 未来房产自带免疫力

2022年06月27日

独家报道:王连贞、黎添华

【房子也要免疫力】系列6(完)

房屋设计融入科技
住宅与生活兼容

马来西亚建筑师协会(PAM)主席拿督依祖米表示,长远来看,疫后房产将在未来更具韧性,加上这类房产是随着家庭的需要而顺势发展的,因此市场潜能也更大。

依祖米

他接受本报访问时建议,往后建筑设计上可以考虑以下几点:

●通过简化建筑形状和最大化空间,来减少建筑占地面积的绿色设计;

●允许扩展、物理灵活性或房屋解构的设计;

●家庭的功能灵活性,也可以作为家庭办公室,让业主在家工作;

●建筑师须考虑符合房主需求的布局和设计。这可以通过适应性强的家具和装饰来实现,这将使城市住宅与当今的生活更加兼容;

●多功能空间和开放式布局使较小的布局实用;

●将隐私视为设计优先事项;

●通过色彩、照明和家具设计来打开小空间并设计室内设计,创造视觉上、心理上和功能上更大的空间。

设计成本须可负担

询及对发展商的建议,依祖米表示,在房屋设计中融入想要的特色同时,发展商一定要让购买者能负担得起有关的成本。

此外,房屋设计在空间安排和功能必须得互换具有灵活性,如此才能吸引购屋者。

另外,和许芝敏想法一致,他也认为在房屋设计中融入技术是可取的,这不仅能节省空间的设备或电器,千禧一代更热衷于智能家居,因为他们较倾向具有技术创新的新功能,如,移动安全系统的设计。

他说,尽管空间有限,但绿色家园能抵消高生活成本的影响。其中,较小的住宅单元可以通过生活方式和更好的配套设施来弥补,例如会所、健身房、零售、公共交通、铁路服务等。

“今天的房产必须与生活方式相结合。精心设计的房屋其实是有利于发展商的,因为它更容易以高价出售,提供更好的回酬。”

房价料涨10至20%

后疫情房屋在方方面面上都提升了的“免疫力”,而成本的提升是自然的,其中依祖米就认为涨幅会控制在15%之内。然而,许芝敏却一针见血地点出:就算没有疫情,房价依旧会高涨的。

她解释,原建筑材料确实在疫情当下涨了至少 20至 30% ,而业界对未来的房价的预测也会调涨10至20%。不过,哪怕没有冠病,随着房屋设计概念越见创新、成本提升、以及当前面临严重的通货膨胀,房产价格肯定过去更高。换句话说,后疫情时代,房产涨价是必然的。

她分析,从过往数据显示,尽管全球每10至12年会经历一次经济萧条,但房产仍长期处于涨势中,这几乎是每座城市所面对的事实。

“不仅如此,一些地方,如槟城拥有先天性得天独厚的优势,后疫情时代经济复苏,由制造科技业带领,人才聚集的槟城土地有限,因此后疫情时代,房产需求必定增加。

“尽管槟城的房地产价格,相比其他亚洲大城市的平均价位还是较低,但未来房价一定会增值。”

询及给购屋者的建议,她坦言,衣食住行为生活基本需求,而后疫情时代开启后,“住”变得比过去更重要,而置产投资也成了一种必需。

房产年均升值7至10%

“房产是亚洲传统的储蓄工具,尤其当下全球高通胀的环境,房产是最佳的保值工具。根据我们过去的房产项目数据显示,房产年均升值最低7至10%。”

无独有偶,NAPIC报告显示,我国房产交易量在 2020/21 有所提升外,同年房产价格也继续上升。

换言之,精明投资者意识当时房产的潜在价值趁低吸纳,绝对是有利可图的。

她认为,随着后疫情时代来临, 各行各业开始复苏,但同时也面临高通胀、股市走势不稳定等因素, 也就在这样的环境下,房产无疑是相对安全与稳妥的投资,更是长期的保值工具。

Muze 结合科技,符合后疫情时代。

结语

打造健康舒适家

疫情快3年了,不少企业在这场战役中,或被淘汰,或提升到了另一层次。这很大程度取决于业者是否在之前的洗礼中获得启发与改进,同时更取决于业者是否懂得在这一轮的挑战中,展现出超强的应变能力与决心,房产亦然。

房产界若能在这次疫情中学到些什么,那么发展商所设计出来的单位将更容易吸引购屋者、景观园艺设计将更贴近购屋者的心房,而房产经纪的游说也能更容易让人共情。

更重要的是,这不仅仅是为了销售,而是为购屋者打造一个健康、舒适、且安全的梦想家园,同时更旨在提升整体的国内房产水平。

或许,这一轮的疫情中,我们在跌宕起伏中生存了下来,愿下一波挑战尚未来势汹汹之前,我们的房产都已经有足够的“免疫力”了。

相关新闻:

Categories趋势

高盛:全球房市将“硬着陆”

2022年06月24日

供应少,房价却不跌;
买不起,销售狂下跌。

在主导世界经济的G10国家中,除了法国之外,所有国家的房价前景都是“负分”。

这是来自高盛的数据,显示人们难以承担房价,且房屋销售狂跌,全球房市可能真的要进入“硬着陆”阶段了。

华尔街见闻报道,过去两年在疫情和低利率环境中,对居住空间的需求激增,房价飙涨;但如今,各国央行加速升息步伐,推高贷款利率。

高盛在分析数据后发现,虽然英国、德国、尤其是美国的房价仍在增长,澳洲、加拿大、瑞典、尤其是纽西兰的房价更在下降,自去年11月以来下降了6%。

澳纽加 前景恶化

G10的总体房价前景得分中,澳洲、纽西兰和加拿大的分数相当低,德国略低,而瑞典、美国和英国仅略低一点。

高盛认为,房市大幅放缓是发达国家增长放缓的一个重要原因。房价承受能力的迅速恶化和房屋销售的大幅下降表明,“硬着陆”是一个真实的风险,尤其是在新西兰、加拿大和澳洲。

房屋销售方面,整个G10都是呈跌。瑞典的房屋销售量比疫情峰值低了约15%,美国跌20%,加拿大和澳洲跌幅为35%,纽西兰为40%,英国为50%。

根据美国、英国、加拿大、澳洲和纽西兰的月度数据,高盛估计住房销售增长放缓10%后,这一放缓速度会在6个月后下降到2%。

购买力减弱

事实上,高盛的住房负担能力指数在大多数市场都很低。考虑到利率的大幅上升和房价收入比率的上升,加拿大和纽西兰的指数尤其低。

过去一年,这一指数在美国下跌最多,主要反映了抵押贷款利率的飙升。英国和德国的购买力更接近历史平均水平,而法国高于历史平均水平。

供需方面,高盛认为,目前房屋供应十分紧张。美国、加拿大、英国和纽西兰的住房空置率已经下降到非常低的水平。

同时,高盛不认为房价下跌会导致G10的央行暂停加息周期。

如果住房市场失衡持续更常时间,相信会出现更剧烈的调整。

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    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

      免责声明

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        本站显示的所有商标、服务标志与标识,为property.eNanyang.my和/或本站所确认其各自第三方所有人的财产。除非获得本站出现任何商标、服务标志或标识的相关第三方所有人的事先书面同意,否则进入本站的任何一方将不获得准证与权利使用、下载、复制、拷贝或修改此类商标、服务标志或标识,亦不可使用为通往任何property.eNanyang.my网站或其他网站的链接。本站要求用户尊重property.eNanyang.my、其分公司与伙伴的版权,也尊重他人的版权。若您真诚相信本站未经授权复制您的版权作品,并构成侵权,可通知本站指定的版权代理: Nanyang Siang Pau Sdn Bhd, No. 1, Jalan SS 7/2 47301 Petaling Jaya, Selangor, Malaysia,或电邮至 prop@eNanyang.my 。

        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。

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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

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