Categories趋势

美国房贷需求,22年新低!

2022年07月22日

百物涨价、利率又高,
谁敢贷款买房?

美国利率和通胀不断升温,且未有停涨的迹象,严重打击消费者的购买欲,更别提还敢投入在房市,促使美国房贷需求急速降温。

根据CNBC报道,美国银行房贷协会(MBA)季度性经调整指数显示,上周房贷需求按周跌超过6%,是2000年以来最低水平。

随着利率和通胀不断走高,严重打击了消费者的购买欲,美国房屋市场的低迷情况预计将越陷越深。

根据《CNBC》报道,银行房贷协会(MBA)给出的季度性经调整指数,上周的房贷需求较前周下降超过6%,达到2000年以来的最低水平。

本周的房贷申请则按周下降了7%,按年下降了19%。

美联储为了应对通胀而急速升息,已经导致房贷利率大幅调升,目前的利率几乎比1月时高出两倍,严重冲击美国人的购买力。

升息,陆续有来……

MBA经济学家乔尔坎指出,经济前景疲软、高通胀,以及负担能力的挑战,冲击购屋者的需求,导致金融机构和政府的贷款需都减少。

市场预计,美联储下周还会再升息75个基点,估计全球其他央行也会继续通过货币政策手段来应对通胀走高。

《抵押房贷日报》总营运长马修格雷厄姆表示,尽管市场已逐渐消化了美联储升息的举措,不过,欧洲央行将在当地时间本周四公布最新政策进展,预计届时将引起轰动,从而影响美国利率。

 

Categories趋势

狮城屋主 不再提早还房贷?

2022年07月22日

你会选择提早还清房贷吗?

在新加坡,还是有不少人选择提早向建屋局偿还房贷,但考虑到经济前景,似乎越来越多人选择“现金为王”。

根据8视界新闻网报道,根据建屋局提供的数据,去年提早偿还部分房贷的人数有2.33万人,比5年前的2.68万人,少了13%。

今年首5个月,有9800人选择提早偿还房贷。

截至去年底,向建屋局借贷的61万位屋主中,约有一半的人已经还清房贷。

建屋局解释,过去5年向当局贷款的人数减少。若从整体来看,这些年来提前偿还房贷的屋主比例,维持在8%左右。

如果屋主剩余的贷款额为10万新元(约32万令吉),并还有15年的时间才还清贷款,那提前偿还2万新元(6.4万令吉),能够让屋主省下8200新元(约2.6万令吉)的利息。

储蓄增加 用于投资?

分析员也指出,过去几年的利率偏低,让许多屋主转向银行贷款。除此之外,也有些买家想要保留更多流动资金。

合登房产集团研究主管李思德受访时指出,多年来,新加坡人的储蓄金额逐年增长,但偿还数额维持相同水平,推估是人们转向更好的投资渠道。

建屋局建议屋主在有足够经济能力时才提前偿还房贷,而这么做也不需要缴付行政费用或罚金。

相关新闻:

 

Categories趋势

中国多地烂尾楼 业主集体停贷

2022年07月15日

遇上烂尾楼还得还贷,
“再给,就没法生活了……”

当你申请房贷买下一间屋子,却碰上无良发展商,“梦想之屋”变成了“烂尾楼”,你在想方设法讨回公道的同时,房贷却始终得继续缴。

但最近在中国,多地的烂尾楼业主集体抗争,一起停止还贷,以逼发展商解决问题。

根据中国媒体报道,近期在郑州、商丘、新乡、南阳、周口、山西、江苏、江西、湖南、湖北、广西、陕西等城市,出现烂尾楼业主发布声明,强制停止偿还贷款,直至烂尾项目完全复工为止。

这些业主们并非不清楚,这么做可能会导致银行起诉、直接拍卖房子、信贷分数也会受影响,但未来生活,他们走投无路。

业主无奈说:“但我没办法,如果再继续往里扔钱,就没法生活了……“

郑州的名门翠园已经逾期交房1000多日。

郑州:网红楼盘烂尾

在郑州的名门翠园,据称开盘以来累积上百亿人民币的销售额,但已经逾期交房1000多日,并且严重拖欠工程款、进展严重滞后,据悉仅完成了60%工程。

这个在2018年开盘的名门翠园,是郑州楼市的“销售冠军“,但如今却落得烂尾下场。业主已联合发声明通知,若8月8日前没有复工,将会一起停止偿贷。

时代新城的业主,会在近期联系业主签字停贷。

武汉:多个楼盘停工

在武汉,也有多个停工楼盘的业主,想要“停贷“。

比如说时代新城的业主,据了解业主代表已经在完善告知书,会在近期联系业主签字,之后将告知书寄给相关政府、企业和银行。

一些业主表示,当时购买这楼盘,看中的就是发展商的品牌影响力。但本应在今年3月30日拿到钥匙,但至今却尚无定期。

时代新城也是武汉的热销楼盘,共有5032个单位,在2019年9月中旬开盘后,一年就售出了3264个单位,在2020年更是成为武汉上半年销售面积、销售套数的“双料冠军”。

业主得承担法律风险

这些业主的诉求非常清晰,那就是要求发展商们限期复工,否则在班里不动产权证前拒绝还贷,由相关部门和机构自行承担相关损失。

但此举,有用吗?

易居研究院智库中心研究总监严跃进指出,从具体反映情况来看,这些停工的楼盘面积较大,部分虽然已经复工了,但是属于“表演式”复工,并没有真正进入到完全施工的阶段。

在他看来,此类项目的预售资金流向不清晰,且资金监管不到位,导致购房款不能进入到施工和工程阶段。从这点看,相关银行或负有一定的责任。

但也有业界人士和律师提醒业主“谨慎行事”,建诚晟业总经理苑承建表示,能够理解这种做法,但是不提倡也不受保护。

“房地产发展项目中可能存在的挪用预售资金现象有对应的处理规定和责任,房地产项目停工烂尾也通常不属于终止房贷合同的条件,因为向业主按期交付房子是发展商的义务,而不是银行的(义务)。”

“虽然对业主充满了同情,但从法律关系和合同规定看,建议业主们谨慎理智考虑,不要随随便便就停贷了。”

可能被起诉

成都一位不愿透露姓名的律师表示:“贸然停贷很可能就违约了,届时不仅征信会受影响,还可能被诉到法院,得不偿失。”

无论如何,买房人的集体“停贷”诉求,也是一个鲜明的信号:过去那种房产发展和银行高度绑定,把风险全留给期房业主的积弊,必须改改了。

这也是把压力从银行传导向发展商,倒逼着房子重新开工。

资料来源:腾讯新闻、北京商报、第一财经、每日经济新闻、21世纪经济报道、红星新闻

Categories趋势

政府嘉年华卖1万间可负担屋

2022年07月12日

来来来,
来买可负担屋!

为了能帮助更多低收入群体,尤其是年轻人能够买到属于自己的屋子,房屋及地方政府部这场嘉年华将在本周五(15日)起一连3天,在吉隆坡谷中城展览中心(Mid Valley Exhibition Centre)举办,会提供位于全国各地的1万间可负担屋。

房政部长拿督斯里里查马里肯出席甲抛峇底区哈芝节活动时透露,这场嘉年华会将由首相拿督斯里依斯迈沙比里开幕,共有逾40个参展单位,包括政府单位和机构及私人发展商。

房屋及地方政府部长拿督斯里里查马里肯

首购族有优惠

除了为国人带来1万间售价低于30万令吉的可负担屋,也会为面临购屋难题的人士提供房贷,尤其是买家。

“我们相信,人们有机会找到自己想要的房产。”

房政部会为首购族提供数项优惠措施,响应大马一家理念下的“一家一屋”(Satu Keluarga, Satu Rumah)愿景。

“我们尝试帮助年轻人购买第一间房子,因为他们买房受到诸多限制,特别是与首付或预付买房有关,而且没有工资单,因为他们当中一些人从事零工经济领域。”

发展商“清库存”

对发展商来说,这也是一个卖出滞销高价屋的机会。除了可负担屋,发展商也能在嘉年华中促销30万至80万令吉的房屋,锁定高收入群体。

这项嘉年华只是一个开始,房政部之后会推展到全国其他地区,让更多民众能买到他们属意的房屋。

Categories问诊室

再融资 别忽略“成本费用”

2022年07月12日

史慧娴
iMoney总执行长
www.imoney.my

 

答:

史小姐,您好!

近来想要申请房贷再融资,但发现我最终实际拿到的钱似乎很少,还要给一大笔“费用”。

请问再融资的“成本费用”会有什么?这会占多少比例?

在我决定申请再融资前,我该如何计算我最终实际拿到的钱?

Amy


答:

Amy,您好!

在申请抵押贷款再融资时,最常见的费用是估价费、律师费、支出费用和印花税。

这些费用的利息是基于房产的价值,以分级的方式来计算。每家银行的计算方式会有所不同,建议您还是和银行联络查询更多详情。

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

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

给不出10%头期,怎么办?

2022年06月30日

不是不想买房,
是头期也给不出来啊!

对于很多首购族来说,买房的第一难题就是:头期钱不够啊!

在我国,通常买房下订时需要支付10%的头期钱,然后再向银行申请90%的贷款。

也就是这10%的头期钱就是一张“入场票”,而且价值不菲!

这是因为,现在许多中低收入群体,可没能力一下子就给出上万令吉的头期钱。

若一间可负担屋的售价为30万令吉,10%的头期钱相等于3万令吉。如果每个月能存到1000令吉,那也要2年半才能存到这笔钱。更别说,在现在万物高涨、薪资又没跟着涨的年代,每个月未必能存到1000令吉。

但也别绝望,还是有数项融资计划,能够帮助首购族们解决头期钱的烦恼!

1. 我的第一间房屋计划(Skim Rumah Pertamaku,简称SRP)
SRP旨在帮助年轻首购族们获得高达110%的融资。

只要收入低于1万令吉,并购买价格低于50万令吉的全新或二手房子的首购族,就可申请。最长贷款期限高达35年,但贷款结束年份时,申请者的年龄不能超过70岁。

如果申请者想要获得超过100%的贷款,那条件会更加严格,家庭收入必须在5000令吉或以下,房价也不能超过30万令吉,且必须满足上述的年龄条件。

此融资计划仅供自住申请者,首5年不得转售房屋。

2. MyDeposit融资计划

这是一项在2016年由房政部推出的计划,一次性为申请者支付10%的头期钱,但最高3万令吉的头期。

目前这项计划已经暂时停止,但房政部在去年12月时曾透露,计划重启这项计划。

自2016年首次实施,直至2021年10月31日,这计划共为3105个家庭提供了 8638.6万令吉的融资,涉及127个住房项目。

3. 公务员房屋贷款局(LPPSA)贷款计划

LPPSA是一家为公务员提供房贷贷款的政府单位,允许符合条件的公务员申请全额贷款,且贷款期更常。

对于首购族而言,月供款不能超过申请者薪资和固定津贴总额的60%;而第二次申请者,月供款不得超过收入的50%。

同时,总债务供款额,不得超过净收入的80%。

4. 公积金(EPF)第二户头

雇员公积金局允许会员们从第二户头中提款,来购买或建造第一套房屋。

如果第一套房屋已经售出,那会员也可以申请提款来买第二套房屋。

申请者也可选择用此来减少第一套或第二套房屋的贷款额。

资料来源:FMT、Property Advisor

相关新闻:

 

Categories趋势

蜡笔小新 终于还完35年房贷

2022年06月17日

35年,
怎么似乎一眨眼就过了?

不知不觉,从1990年开始创作的日本动漫《蜡笔小新》,已经陪伴大家32年了。

而2022年也是蜡笔小新一家深具意义的一年,因为他父亲野原广志的房贷,终于在今年还完了!

当初野原广志为了让小孩有更好的居住环境,在东京贷款35年买了一间独门独户的房子,而1990年开始创作后,小新也常常说我爸爸房贷还有32年,也就是说创作的时候,他爸爸是3年前买的房子。

小新家的房子是小新两岁的时候买的,而说自己家有房贷32年的时候小新已经5岁 。

虽然《蜡笔小新》剧情轻松诙谐,陪伴着无数人的童年,但其实这套动漫最初的定位就是成人看的动画片,所以包含了不少现实元素,还房贷就是其中一项。

32年前应值53万元

为何会在漫画中一直强调32年房贷,也是因为以前日本超过30年的房贷比较少见。

有从事日本房地产买卖的中介分析,小新家为一栋约80平方米、带车库与花园的二层小平房,是典型的日式风格,虽距车站稍远,但小新上下学很方便。

当年日本房产经济泡沫化严重,这样一套房子应该在1600万日元(约53万令吉)左右。

小新一家还房贷的过程也是都市青年的写照。爸爸野原广志毕业于名校,在公司担任营业部部长一职,工作卖力,在地铁上打瞌睡是常态。

为了房贷省吃俭用

他月薪30万日元(约1万令吉),但4口人的日常生活开销、房贷、36期的车贷将其拆分得干干净净,他手停口停,不敢轻易辞职。

为了还房贷,省吃俭用成了家里的第一宗旨。小新自作主张扔掉了妈妈“不必要”的化妆品,舍不得拿卫生纸给上厕所的爸爸,而自己也“以身作则”不擦屁屁。

妈妈美伢会制定严格的收支计划,去商场永远只看特价款,时刻记得攒积分用抽奖券,夏天为了省电费,不开空调吃寿喜锅,全家热得满身大汗。

不过,省钱过日子也不能忘了享受生活。爸爸广志喜欢打高尔夫,妈妈美伢爱买大牌,小新上的是贵族幼儿园,家里数码产品齐全。

资料来源:腾讯新闻、中国青年报

Categories趋势

中国“一人买房全家帮”

2022年06月10日

一人买房全家帮,
是利是弊?

中国在本轮楼市调整中,多地的公积金政策也有了许多新变化,除了降低首付比例、提高公积金提款额度等“常规操作”,近来还出现了一新奇招。

作为中国经济特区之一的广东省珠海市,在本月提出“一人买房全家帮”的政策。

具体来说,在珠海市缴存公积金的职工,可提取账户余额的90%帮助其直系亲属(配偶、父母、子女)购房支付首付款,也可按还贷提取,逐月提取公积金用于帮助其直系亲属(配偶、父母、子女)偿还购房贷款。

鼓励啃老?

这一政策建议公开后,引起市场高度关注,有人认为这是“全家绑在车上”,有“鼓励啃老”的嫌疑;但也有者认为,这能让公积金发挥更大的作用。

易居研究院智库中心研究总监严跃进分析,这政策明确表明,公积金内的账户金额,已不再是家庭成员的自有资金或储蓄。

“这也是公积金贷款政策的一个创新,具有创新性和示范性,各地公积金政策支持企业和职工的导向会更加清晰。”

有者认为是善用公积金

也有房地产中介透露,新政发出后,很快就有购房者来咨询:“他们觉得挺好的,爸妈已经被限购了,公积金也在账户里闲置着,不花出去就只能等退休才拿出来,还有贬值风险,挺浪费的。”

除了珠海市,四川资阳也跟上脚步,提出实行公积金家庭代际间互助,缴存职工在本市行政区域内购买自住住房,可申请提取父母或子女住房公积金用于支付购房款。

降低首付比例

自2月开始,中国多个地区也跟上商业银行贷款“二成首付”的政策,普遍将提取公积金买房的最低首付比例,从30至40%调整至20%。

这包括江西省南昌市、浙江温州市、徐州市、河北唐山市、福建福州、陕西西安、内蒙古包头等地。

资料来源:新浪财经、中新财经、红星新闻

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Categories趋势

买侨丰项目 享艾芬贷款优惠

2022年05月25日

前期较低的月供款,
让买家增强财务状况。

为了让大马人能更轻易的圆拥屋梦,侨丰产业(OSK Property)和艾芬银行(Affin Bank)合作,买家们可在后者的Home Step Fast/-i 精明房贷计划中,享有首5年较低月供款额的优惠。

侨丰地产控股有限公司销售及市场推广总经理林璆婷在文告中指出,Home Step Fast/-i 精明房贷计划旨在为贷款者提供更大的灵活性,尤其适合事业发展中的年轻专业人士,以及开始组织家庭的年轻夫妇。

“在这5年时间,可让购屋者实现拥屋同时,加强财务状况。我们也是槟城首家提供精明房贷配套的发展商。”

根据战略合作伙伴关系,艾芬银行将为侨丰产业的购屋者提供高达3亿令吉的终端融资(end financing)。

能参与这项融资计划的项目是即将推出的槟城北海的RUBICA的买家,随后也会扩展至现有及其他房产项目。该公司今年将在隆市和雪州蒲种分别推出LEA by the Hills和ANYA at Shorea Park项目。

此外,现有艾芬银行顾客购买侨丰产业旗下任何房产时,也将获得特别的免费赠品,须符合条款。

林璆婷(左七起)与艾芬银行(房贷业务)董事经理黄燕兒与双方团队在宣布合作仪式上合影。

 

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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

      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。

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

        本站提供前往其他网站的外部链接纯属方便。property.eNanyang.my未调查、验证、监督、保证及背书此类资源的内容、准确性、表达的意见与其他链接(如有),因此类链接的网站由第三方拥有与操作,并不由本站控制,故本站毋须负责,并不保证此类网站的内容、其中点名的第三方及其产品与服务。因此,建议您先阅读本站链接任何网站的隐私政策声明,因用户需自行承担链接到任何其他网站的风险,本站无责任或义务负责此举造成的任何损失。

        本站可要求您赔偿与持续赔偿与下述事项有关或下述事项引起、并使用本站招致的所有负债、索赔、损失与开销(包括任何法律费用):(1) 您使用或滥用本站与在此提供的服务,或 (2) 您无论以何种方式触犯本条款与条件,或(3)与您使用本站有关、第三方因本站侵犯知识产权或所有权而索赔。

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

        本站无法履行或执行本条款与条件的任何权利或规定,不可构成对此类权利或规定的弃权。若本条款与条件的任何部分,根据适用法律被裁定为违法或不可执行,那么该违法与不可执行规定,将被视为已由最清楚符合原始规定意向的合法、可执行规定所取代,而且本条款与条件的其余规定将继续全面有效力与作用。本站保留未在此明确授予的所有权利。

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

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

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

        Users alone are responsible for the contents of the message they communicate when using property.eNanyang.my services and as well as the consequences of any such messages. You agree that you will not use property.eNanyang.my services for chain letters, junk mail, “spamming” or commercial solicitations. You further agree not to use property.eNanyang.my or its Partner’s services to send any message or material that is unlawful, gives rise to civil liability. All chat and bulletin board communications are public and not private communications. Although property.eNanyang.my reserves the right to remove without notice any bulletin board posting for any reason or no reason, property.eNanyang.my do not have any obligation to delete content that you may find objectionable or offensive.

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

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

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

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

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

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


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

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

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

        私隐政策声明

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

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

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

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

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

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

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

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

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

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

          This notice was updated: 5th February 2014

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