Categories趋势

中国人 有钱不买房了……

2022年06月3日

不敢投资,
只能储钱。

中国普通老百姓在过去几十年来的财富增值,靠的是大量购买房地产,并把剩下的钱丢到股市里。

但是,如今的中国人,不敢再用“这招数”,而是坚守“现金为王”。

最新数据显示,中国银行业的储蓄存款在4月底达到了109.2兆人民币(约71.91照令吉)。储蓄存款在今年前4个月增长了7%,而去年同期增幅为5.5%。

别忘了,华人传统的“储蓄美德”,让中国的储蓄率本就在世界上名列前茅。

为何中国人不把钱投入在房地产和股市中?

利率虽低 也宁可储蓄

这是因为,中国房价自去年9月以来持续走低,中国股市也处于熊市之中,严格的“清零”抗疫政策和对民营企业整顿打击了投资者信心。

股市和共同基金眼下也不是好去处,国际市场无门可入,加密货币被判非法。

渐渐取而代之的是,越来越多的钱闲置在储蓄账户之中,尽管基准存款利率保持在纪录低位。

中国银行业的储蓄存款在4月底达到了109.2兆人民币(约71.91照令吉)。

老老实实待着……

上海的一位银行高管江哈里表示,他去年从股市赚的钱都已赔掉,现在对于炒股的看法,是20年来最悲观的一次。

“今年我能做的就是老老实实呆着,把钱存入大银行。不管存款利率多低,至少是安全的。”

Gavekal Research驻北京的经济学家何伟表示:“不管你是高净值人士还是普通老百姓,把钱投出去让财富增长的黄金时代都已经过去了。”

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Categories趋势

新山乐森世纪推投资置产方案

2022年03月29日

国门重启,
新山又将迎新加坡和印尼投资客了。

在我国边境将全面开放之际,林柭控股有限公司(Linbaq)趁势为位于新山的乐森世纪(Space Residency)推出“Own Your Space”投资和资产方案,为投资者带来更多优惠。

 Own Your Space结合了购房优惠、融资配套及购屋者一站式共享共赢计划,购屋者能享有较低的分期供款额和利息,投资房产更简单。

郭俊祥(左起)、陈国良、姚瑞才、黄燕儿、陈革㬙及张丽珊推介“Own Your Space”投资与置产方案。

这是和爱芬银行集团独家推出的融资方案,购屋者在交屋后5年享有每月1100令吉起的还款、2.9%利息及房贷申请高达85%等优惠,仅限50个单位。

林柭控股总营运长姚瑞才在推介礼上指出,4月1日马新边境全面开放,而乐森世纪的土著保留单位也在不久前获批准转为国际单位,这项配套推出得非常适时。

“外籍人士置产门槛已经从100万令吉降低至60万令吉,因此有望吸引新加坡和印尼投资者来置产。”

郭俊祥(前排左起)与汤圣杰签署总值2500万令吉的包销合约,由姚瑞才(后排左起)及卓可俊见证。

房市买气回温

冠病疫情未影响到乐森世纪的工程进度,目前已经兴建了15层楼,可如期在2024年竣工。

去年12月,该公司推出了枫叶山庄(Kaze Hill)项目试水温,不到1个月就卖完首期项目,是房市开始回温的迹象。

郭俊祥(左二)在姚瑞才(左)的见证下,移交总值2500万令吉乐森世纪销售合约给张丽珊(左三);右起为卓可俊及汤圣杰。

乐森度假村投资概念

林柭控股有限公司销售总监郭俊祥指出,该公司也推出了乐森度假村投资概念,首阶段推出100套三房式单位,提供房地产投资者参与一站式酒店管理及租赁服务投资计划。

发展商为屋主提供全套的装修与室内设计、缴付杂费及管理费等,为租赁者提供完善的礼宾服务。

“投资者可每月享有利润分成及被动式收入,是一项简易入手的共享共赢的投资获利计划。”

出席者包括林柭控股有限公司财务总监陈国良、艾芬银行集团个人房屋贷款业务管理总监黄燕儿、战略联盟总监陈革㬙、南马区销售总监张丽珊、诺一地产私人有限公司创办人兼执行董事卓可俊及销售总监汤圣杰。

Categories意见

国门开外资来 产业界静待佳音

2022年03月7日

潘荣德硕士
大马房地产推广大使
Ronaldpua19@gmail.com

 

我国产业市场有望加速复苏,
重拾昔日光辉。

不难发现,农历新年后的我国产业市场愈加冷飕飕,发展商则继续咬紧牙根,盼望房市能由阴转晴、由冷转热。

毕竟这已是疫情肆虐的第3个年头,尽管国人的接种疫苗比率非常高,绝大多数人口已接种至少两剂疫苗,甚至注射加强剂。

然而,近期“奥密克戎”的变异毒株来势汹汹,2月杪每日新增确诊人数曾一度突破3万大关,确诊经历似乎将成为国人生活中的“新常态”。令人更忧心仲仲的是,每日病殁人数近日多次近100人。

笔者不禁纳闷,再这样下去,我国产业领域何时将回升至“逢山开路,遇水搭桥”的好景?

2022年对我国而言是非常关键的,我们经历了整整两年多的时变、世变、势变,而今年也是产业领域迈向复苏的一年。

基于疫情的冲击,导致海外投资者及游客无法前来我国投资考察及游览。因此,我国大部分产业只能依赖内销。

盼马中VTL速开

近期,我国宣布开放泰国和汶莱的航空和陆路疫苗接种者旅游通道(VTL),这也是继新加坡后,最新和大马达成双边开放入境的两个国家。

然而,笔者更冀望我国能尽快与中国政府谈妥马中双边的VTL,这个愿望至今仍迟迟无法实现。

发展商营销续出招

在某种意义上看来,从之前的疫情大流行(Pandemic)到目前的准备过渡到地方病(Endemic),这种种的巨大变化,是机遇与冲击并存。

我国产业市场经历了前所未有的考验,如楼市降温、房贷审严、资金链紧张等。

不得不注意的是,不仅产业成交量受到影响,国内不同区域的产业平均价格也出现了前所未有的下滑。

许多发展商被疫情打击得毫无生气,而产业中介更是面临极大的考验,以往的“金九银十”却没有出现。这些年头来,发展商和中介们的心酸谁能知晓?

诚如笔者在前几篇的产业文章一直强调,大马产业今年有望渐入佳境,但前提是,我国必须抓紧后疫情时代的发展新机遇,以经济增长提供强劲动力。

考虑房小低密度房产

尽管目前建筑材料价格的高涨,对产业领域首当其冲,笔者认为,以目前经济低迷的形势看来,发展商仍会在行销策略及配套上多下苦功,以吸引更多潜在买家及投资者。

因此,虽然之前拥屋计划(HOC)所实施的10%优惠折扣不再获得延长,但笔者认为,发展商将会在今年各自重新推出更多诱人的优惠配套。那些想拥有人生第一套房或自住的购屋者,不妨可多加留意。

然而,针对国内外投资者,笔者认为,可考虑锁定以房形面积小及低密度的房产单位作为主要考量,那对将来出租或出售也相对容易。

各经济领域全面开放
产业市场有望加速复苏

我观察到目前各大销售活动以及说明会,正如火如荼地进行中,让人深感“风雨过,艳阳出”的到来。

然而,由于疫情大反弹的冲击,许多行业生意或多或少受影响,消费者也无法负担目前的房价,再加上银行放贷依然紧缩,仍有许多国人“望房兴叹”。

盼海外推广活动

显而易见的是,国内发展商正整装待发,希望早日能到海外推广活动,从而重新推动我国产业市场昔日边投资、边旅游的概念。

不管怎样,随着目前各经济领域全面开放,各行各业和就业市场正逐步回暖,我国产业市场仍有望加速复苏,重拾昔日光辉。

诚如第十二大马计划所倡议的迈向 “一个涵盖多项改革的全面发展蓝图”,希望我国经济能持续发展,并提供公平的成果分享和机会分配,以在2025年成为高收入国家,届时产业领域将有望从中分一杯羹。

Categories意见

2022房市虎虎生威

2022年01月2日

潘荣德硕士
大马房地产推广大使
Ronaldpua19@gmail.com

 

2022,发展商整装待发
抓紧良机再出发。

不知不觉,我们已踏入2022年。

在这崭新的一年,全球经济能否复苏将是大家所翘首以盼的,而我国政府则希望通过加紧接种加强剂疫苗,也许就能有效遏制变异毒株的迅速扩散。

以目前的情况看来,“奥密克戎”(Omicron)变异毒株早已随着我国朝圣人士返国后不断引发感染事件,看似已逐步渗透我国每个角落。

令人关注的是,政府会否在即将来临的农历新年期间,再次实施不可跨州或不拜访的措施?相信这些都是政府必须深思的。毕竟一旦故技重施,我国之前在经济复苏上所作出的种种努力,恐怕一切将打回原形。

全力抗疫再拼经济

换言之,发展商也将再次深受其害。这一切也似乎预示着大马楼市可能还有一段很长的萧瑟凄景,眼前全民唯有只能全力抗疫、再拼经济、拼外资,这才是上策!

回首过去两年,一连串的行动管控令让国人陷入困境,发展商更是咬紧牙关,日子是一天比一天难熬。笔者看在眼里更是感慨万千,毕竟笔者在这两年疫情期间,也无法到海外做分享。那些将目标锁定海外投资者的发展商,只能整装待发,暂将重心放在国内,静待国际大门敞开的曙光,以早日让海外游客及投资者们能回流我国投资、观光以及考察。

客观来看,笔者认为“上半年不赚钱也要拿地,下半年让利也不投资”,这的确是去年房企投资的真实缩影。笔者仍记得,早期市场上有另一种说法,即是“发展商的楼盘随便建,都能大卖”,但目前此景只能成追忆。迄今,市场仍充斥很多不稳定因素,因此我国产业领域也基于这些种种因素再次加剧,而埋下了进入寒冬的伏笔。

发展商积极筹备促销活动

今时今日,我国疫情病例仍然跌宕起伏,近期似乎还有往上冲的迹象。

从德尔塔(Delta),再到“奥密克戎”,以及最新发现的“德奥密克戎”(Delmicron)变异毒株,更是令国人惊心动魄,看来在这新的一年我们还是得继续与病毒博弈。

无论如何,笔者也观察到目前很多发展商也开始筹备房产活动,更是计划在来临的农历新年能取得亮眼的销售成绩,以迎来好的开年。

诚如笔者在本栏之前的文章中探讨我国2021年第三季产业市场整体表现,其实是略有复苏的迹象。

因此,在2022年甫开启之际,也正是各大发展商大展拳脚的最好时机,将去年订下的计划逐一落实。整体来看,之前在市场上沉寂了一段时间的发展商,将预计在今年首季会推介更多新房产项目。

中连续12年成马最大贸易伙伴

值得一提的是,自爆发冠病疫情以来,大马与中国经济在复杂多变的国际政经局势中实现逆势增长。

中国已连续12年成为大马最大贸易伙伴,以及连续5年成为我国制造业最大的外来直接投资(FDI)来源国。

据中方统计,马中双边贸易额及中国对大马非金融类投资额持续增加,于2021年首10个月分别劲扬33.7% 和77.2%。

此外,根据英国智库经济和商业研究中心报告,我国有望在全球经济体排名37,甚至可超越新加坡。同时,此报告也预料我国经济即将从疫情中缓慢恢复,也有望在今年超越疫情爆发前的经济表现。无论如何,以上种种利好消息也将会带动我国各领域的投资发展包括产业领域。

“躺在土地上挣钱”的舒服日子随着疫情爆发后,早已不复。行业惯有“丰年卖房,荒年拿地”,究竟我国房市今年是否有望回到当年的全盛时期吗?下一期,笔者将与读者们深入探讨去年第四季及全年整体的产业表现。最后,也预祝大家虎年行大运,虎虎生威!

Categories趋势

现金是王道 招租要快狠准

2021年09月6日

独家报道:梁文清

2019冠状病毒病(Covid-19)疫情肆虐超过年余,
国内实施各种管控令及全面封锁,
打乱了各行业的营运,裁员减薪此起彼落……

建筑及房地产深受重创,甚至许多手握多间房产的投资者因疫情而慌乱,不知要抛售套现或是调整策略,让房产继续成为收入而非负担。

这次,财今对话特别邀来房产投资领域及相关人士,透过线上平台直播分享,为投资者分享实战经验与策略,同时分享国内现今房地产现况,助投资者找到正确方向。

此直播获得SPEEDHOME和《南洋商报》支持协办,并同步在各社交媒体平台播出。

王能杰(上左起顺时钟方向)、黄伟明、叶伟良及锺伟杰透过线上与国人分享疫情下的房地产投资策略与布局。

在疫情下被贷款压得喘不过气,而投资者或业主有什么解决方案或是策略,能迎刃而解呢?

失去租客的业主,又能如何快速将单位出租?毕竟,现金才是王道。

BRICKSMEN团队创办人叶伟良(Tony Yap)说,当去年3月份开始实施行动管控令,就有一部分人开始慌乱,但贷款问题,万变不离其宗。

现金流=租金-供期

“我一直提倡简单的方程式,即现金流等于租金减供期,这是每个有贷款的房产投资者都必须掌握的计算方式,因这能一眼看出,投资者是否面对现金流问题。若是负现金流,就说明租金少过供期,反之则是租金高过供期而握有现金流。”

叶伟良根据方程式提出解决方案,分别是开源节流、债务重组及提高租金。

“先从节流开始,可从供期方面着手,如延缓还贷或只缴付一半贷款等,即使有资金,还是建议申请延缓还贷。另外,就是债务重组,须谨记这将会导致每个月供期增加,但不失为解决方案,可助解决燃眉之急,但长远来说,加额还贷(top-up loan,再融资后,每个月贷款供款增多)是财务上的一个伤害。“

“而提高租金方面,则分为三大部分,分别是租客、产业价值及租金质量。”

他说,提高租金离不开寻找更好的租客或提高产业价值,让租客愿意付更多的租金,或是调整租金。

减租伤害在地居民

“更要了解现今出租市场趋势,若是减价出租会伤害当地居民、业主及自身利益,但‘非常时期要用非常手段‘,减价是最后一招,必要时亦可考虑日租或分租。”

他指出,时下凡事都应以短期目标为主,撑过3至6个月后,再看下一步。

他亦劝告投资者,当解决现金流后应深思,为何会被贷款压得喘不过气,是否买错产业,还是投资策略不对,或是个人财务状况没有控制好。

他建议多翻阅数据,加以分析再结合他人意见后,进一步消化,变为投资锦囊,但是在投资上还是要小心谨慎。

专家授数招  招租快而准

拥有14项产业及15名租户的Bricks Venture Capital兼Property Lab创办人锺伟杰(译音,Wai Kit)点出业主最大的烦恼,并授招如何管理产业及维持健康的现金流。

他说,只有2至3间房产出租,很多事情还可亲自处理,但超过5间便会因为各种琐碎小事需劳心劳力解决,而深感困扰。

他授招,可在同一个单位的几个租户中,挑选一个作为本身的“间谍”,当有任何事情,甚至是有租户忘了带门卡或是开门让修理员入屋更换一盏电灯,都能要求“间谍”帮忙解决,这方法非常有效。

因此,他总结管理产业需精明化,善用自动化系统管理产业。目前其拥有15名租户,年底可能还会额外增多9名。

他分享,购置产业前,就会制定多种出租策略,而个人较为倾向于出租房间,这将会减低投资风险,因相比整间出租退租的几率更为低,而且招租一间房间比一间单位较为容易。

此外,更要换位思考,以租户角度出发,自问是否愿意居住在这里,若是再以对的价格进场。

他解释,招租策略首要便是准,买房前做好功课及制定出租策略;第二则是要够快,须先比其他业主拿到钥匙及装修,以便能够更快地将单位投放出租市场。

他说,在疫情空窗期,单位无法出租,建议想办法为产业增值,如花点小钱重新将房间油漆及更换新家具,因人重视外在美,第一印象很重要,这将会提高点击率,出租率相对更高。

锺伟杰说,买房是一项长远投资,因此现金流非常重要,须守5至10年,若是想投资的产业在还没卖出去就已经在“烧钱”,就需谨记,买房前,先想好出租策略。

疫情未明勿加租

SPEEDHOME创办人兼总执行长黄伟明奉劝业主,采取以守为攻的策略,基于目前疫情未明朗,尽量不要提高租金,而是想办法留住租户。

他敦促业主勿因小失大,不要为了不舍得降价而失去租户,如原本租金为3000令吉,但不愿意折扣10%,可能最后也失去2700令吉的租金。减价出租不是问题,尤其是现在的情况。

“我们发现租户很在乎100至200令吉的租金折扣,举例:同区分别有两家租金分别为1300令吉及1200令吉的单位,但后者只用了1个星期成功出租,但1300令吉的单位过了两个月还是继续挂在出租平台上。”

但他说,不同的租客类型要有不同的策略,如排屋无需装饰,因这类租客都是从一个家搬进另一个家,但公寓的就需要有部分或全家具,因为公寓租客希望能拉个行李便能入住。

他说,目前最重要是是要有现金流,这才有保障。

迎合居家上班   多房单位受落

黄伟明发现,或许是因为居家上班,大部分租户都想要租赁多房间的单位,同时郊外房子的出租量也开始提高,这都是趋势。

“若以房间出租而言,主要地区还是落在八打灵、赛城及梳邦较为成熟的地区,这也是学生和专业人士选择的地区,因就业机会多和交通便利的优势。

“这也是买房时应纳入考量的因素,所以在买房前,必须做好租客策略。”

他认同要快速出租,首要是要有张漂亮的照片,其二是制定租客策略方面,要了解并满足租户的需求,以及投放在良好的出租平台上。

他分享主打雪隆区可负担房屋的SPEEDHOME数据,而这领域的需求还是很强劲,但去年3月份因为疫情而导致销售下跌80%,但今年管控令后则下跌40%,这有赖于线上看房的成功。

房价趋缓宜买房

叶伟良认为我国投资风气良好,因此投资是必须的,而最好进场的时间是昨天或以前,第二就是现在,目前房产有减缓的趋势,因此现在是买房时机。

他分享自身在08年踏入社会,那时大家想到的是几时购置第一间房,因为当时觉得一间公寓要价25万令吉是贵了,可是之后觉得是超值便宜,且薪资起伏没有太大,因此若继续下去,我国就会与香港及新加坡一样,宁愿租房也不要买房。

锺伟杰则认为任何时候都是对的买房时机,而永远最好时机都是昨天,但最重要是要做好功课,拥有一定基础以及了解风险,这是每一位投资者都必须做的事情。

他也点出,大部分投资者的通病都是没有做好现金流,没有了解每月贷款供期和潜在出租额来决定是否应该购置有关房产。

黄伟明认同两位说法正确,并说,买房要看本身的目标是什么,自住还是投资,若是前者,只要自己喜欢个人认为无所谓,但若是作为投资,任何时候入场都是高价位,而且房产长远来看,一定会上涨。

他分析,买房第一要从财务角度来研究,计算本身每月预算,若预算可让本身租赁喜欢的地方,并还可在郊外投资房产,简单来说,这块蛋糕就看自己怎么分配。

文良港落在市中心,租客类型不拘于学生。

有后备方案不怕失客户

疫情下,一些学生区房产无法出租,因学生无法回校上课,如文良港一带。黄伟明指出,当失去主要租户时,业主就要思考有什么后备方案可用。

他说,文良港落在市中心,就业机会良多且拥有很多不同类型的顾客群,因此业主可根据目标租户群的需求重新装修房间,并提供所需的必需品,还是有机会出租。

锺伟杰赞同并指出,文良港还是在吉隆坡内,只要业主花一点小心思再修饰单位,还是可以。

善用“杠杆”原理还贷

60岁要退休,但房屋贷款至70岁,接下来的10年该如何安排贷款供期或是在退休前将贷款余额清掉是较为理想的做法?

对此,锺伟杰指出,本身相信杠杆,若能够将手上资金投资在某一个地方,而回酬高过银行利息,个人会继续杠杆,因为若是将资金清还贷款,也只是省掉3%利息。

叶伟良完全同意并说道,投资无非寻求资本增值、回酬、被动收入以及保本,若是还清贷款较为安心,那么就去做吧!可是,站在投资角度,若是寻找到一个可让资本增值且回酬高过月供,即使3%亦好。

黄伟明则有不同的看法,他指出,对一个60岁的人来说,保本是最大的优先考量,因为任何投资都有风险,若是取得3%投资回酬,最好不过,但若是投资失败,那会是一个很大的问题。

他不反对可寻找更好的投资管道,但要知道不同阶段有不同的财务目标,因此还是要多注意。

Categories趋势

养老产业迎来黄金投资期

2021年07月26日

报道:李治宏

所谓危机不乏商机,
当前的疫情危机固然令百业衰退,
各行业要复苏也不是一两年的事,
但这也为投资者带来趁低吸购的良机。

一些投资者和发展商视目前是趁机扩大地库或产业投资组合的好时机,一些业主、地主和发展商则趁机变卖手中未发展或空置的地库套现,取得现金流之余,也有助于减轻负债。

那么,对准备进场吸购的发展商或投资者而言,哪类产业是最吸引他们的资产呢?

跨国产业顾问公司莱坊指出,除了疫情期间红火的物流和医疗领域,投资前景最受看好的领域是养老/退休产业。

紧随其后的是服务式套房/酒店套房,以及数据中心。反观疫情爆发前蔚然成风的共享生活空间(Co-living)/学生宿舍及共享工作空间(Co-Working)则退热,在2021至2023年受看好的替代投资排行榜上分别位居第四和第五位。

大马莱坊最近发布的2021年商用产业投资情绪调查(CREISS 2021)显示,受访的发展商、银行和基金/产业信托基金经理当中,22%把养老/退休产业列为他们的替代投资首选。

把服务式套房/酒店套房及数据中心列为首选者各占19%,首选共享生活空间/学生宿舍及共享工作空间者则分别为13%及12%。

这份调查的受访者逾半(59%)是发展商,27%是银行,其余14%为基金/产业信托基金经理。

其中,约44%受访者来自巴生谷,24%来自沙巴及20%来自柔佛州,槟州只占7%,其余2%来自其他各州。

巴生谷约三分一(35%)受访者、柔佛和沙巴各22%受访者,以及槟州14%受访者表明,他们正探讨收购或脱售土地或商用产业。

2056年将占人口20%
开发银发族市场良机

另一方面,随着我国人口逐渐老化,养老或退休房屋成为CREISS 2021调查最受欢迎的替代投资选择。

大马统计局的数据显示,截至2020年,我国约3273万人口当中,约7.15%是65岁及以上的乐龄人士;而根据现有的增长轨迹,我国老年人口将分别于2044及2056年达到14%及20%。

全球第七佳退休地

此外,随着国人日益富裕,以及医疗服务的改善,目前看来正是迎合银发市场的良机。

莱坊指出,去年被暂时搁置的马来西亚我的第二家园计划(MM2H)过去大受欢迎,也确认了大马作为退休理想地点的吸引力。

根据2020年全球退休指数,大马是全球最佳退休地点排名第七的国家。

服务式套房/酒店套房及数据中心,是另2个最受看好的产业投资目标。

疫情冲击共享空间

大马正朝向数字经济的目标转型,以及远程作业日益普及化,令市场对数据和云端服务需求大增,数据中心因而成为炙手可热的产业类别,吸引了许多商用产业投资者涉足。

反之,自冠病疫情爆发后,人们最关注健康和卫生,加上远程作业大行其道,令共享工作空间及共享生活空间/学生宿舍的投资吸引力已减退。

各次领域简评:

工业产业/物流产业

●银行打从去年疫情爆发后即表明愿为这些领域提供更多的融资,原因很简单:网购和电子商务大行其道。

●49%受访者预期物流领域的租金将走高,另有66%受访者预期工业产业的租金保持平稳。(参阅图三上方)

●57%受访者预期工业空间需求保持平稳,28%则预期租用率将提升。电子商务好景将继续推动物流产业的需求,61%受访者预期物流空间使用率提高(参阅图三下方)

●58%受访者预期,物流产业的资本价值将提高;至于工业产业,67%受访者预期资本价值保持平稳。(参阅图四)

●约66%受访者预期工业产业的回酬率保持去年水平。(参阅图五)

零售产业 

●大部分发展商和放贷者(银行)都涉足零售产业及酒店/休闲产业领域。随着这些领域依然深受疫情重创,投资和融资额都会减少。

●逾70%受访者预期零售产业的租金将下跌。(参阅图三上方)

●在当前艰辛营运环境下,零售商场的租用率也继续面对下行压力,67%受访者预见商场的空置率将扬升。(参阅图三下方)

●约半数受访者预期零售产业资本价值保持平稳。(参阅图四)

●约半数受访者预期,零售产业的回酬率下跌,但有8至10%受访者预期回酬率上扬。(参阅图五)

办公产业

●逾70%受访者预期办公空间租金下跌。(参阅图三上方)

●72%受访者预期办公空间租用率下滑。(参阅图三下方)

●约半数受访者预期办公产业资本价值保持平稳。(参阅图四)

●约半数受访者预期,办公产业的回酬率下跌,但有8至10%受访者预期回酬率上扬。(参阅图五)

酒店/休闲产业

●87%受访者预期,酒店/休闲产业领域的客房平均收费率下行。(参阅图三上方)

●83%受访者预期,在旅游业预计2023年之前都无法恢复往常水平下,酒店/休闲产业今明两年的平均租用率将下滑。(参阅图三下方)

●78%受访者预期,酒店/休闲产业资本价值下跌。(参阅图四)

●78%受访者预期,酒店/休闲产业的回酬率下跌。(参阅图五)

产业次领域料明年复苏
酒店休闲前景最黯淡

除了酒店/休闲产业、办公及零售产业,所有产业次领域有望于明年复苏。

52%受访者预期,整体商用产业市场将在2023年才有望复苏;另46%受访者则较为乐观,预期明年即可复苏。

发展商显然比基金经理/产托经理和银行乐观。42%的受访发展商预计市场明年复苏,而预期明年复苏的基金/产托经理和银行则分别为37%及35%。

另有28%发展商、25%基金/产托经理和25%受访的银行,则预见市场将在2023年才复苏。

管控令助长电商市场

逾60%受访者预期物流和医疗相关领域将在今年下半年继续表现出色。冠病确诊病例持续攀升及各类行动管控,导致供应链继续受到干扰,这反而助长了网购和电子商务市场的增长,以及医疗设施的需求。

零售产业是另一个短期内继续看淡的次领域。只有45%受访者预期该领域明年有望复苏,另46%受访者则预计后年才复苏。

办公产业前景更为黯淡,多达约61%受访者预期该领域最快于2023年甚至过后才能复苏。供需失衡日益严重(尤其是巴生谷)是一大关键,而居家作业及工作形式的改变是另一导因。

酒店/休闲产业是前景最黯淡无光的领域。多达约62%受访者预期,该领域最快2023年甚至过后才有望复苏,因为在2023年之前,旅游业无望回到疫前水平。

2021年商用产业投资的因素:

利好因素
●隔夜政策利率维持在1.75%的历来新低
●政府推出更多的刺激经济配套

不利因素
●第三波冠病疫情恶化
●隆新高铁计划被腰斩
●经济现状/政府政策欠佳
●回酬率欠佳
●疫苗接种进度慢

发展商、银行和基金经理的2022年财政预算案愿望清单:
1. 调降个人所得税和公司税税率/提供税务奖掖
2. 推出更多的刺激经济配套
3. 重启隆新高铁计划
4. 加速疫苗接种
5. 额外奖掖以吸引外来直接投资
6. 恢复马来西亚我的第二家园计划
7. 进一步延长拥屋计划(HOC)
8. 削减或豁免产业盈利税(RPGT)

结语:3关键提振交投情绪

展望未来,政局稳定、疫苗接种加速及各项大型基建项目的进展,将是提振投资者信心和商用产业市场交投情绪的3大关键。

有关项目包括巴生谷的捷运第三路线(MRT3)、槟州交通大蓝图、柔佛的柔新捷运系统(RTS)、沙巴的泛婆罗洲大道,以及横跨大马半岛东西两岸的东海岸铁路(ECRL)。

当然,市场也期望,政府将在2022年财政预算案中宣布调降税率、祭出额外的刺激经济配套、重启隆新高铁项目、恢复我的马来西亚第二家园计划(MM2H)、进一步延长拥屋计划(HOC)及削减甚至豁免产业盈利税(RPGT)。

Categories趋势

巴生谷8成买房为投资!

2021年06月9日

在抗疫期间,“居者有其屋”愿景受买气限制,
反而投资市场依然热烈,
房价走跌成了投资者最佳的入场时机。

根据Property Guru旗下数据公司My Property Data的数据,2020年巴生谷住宅产业的交易量,有81.1%是来自投资者,且他们把更多注意力转向二手房。

在2020年,巴生谷住宅产业总交易量下跌47.2%,但主要是首购族的买气减少。

首购族在2019年占巴生谷住宅产业交易量的55.5%,这一比例在2020年降至18.9%;于此同时,投资者的比例从44.5%,扩大至81.1%。

PropertyGuru在2021年上半年大马消费者情绪调查中发现,年龄介于22至29岁之间的大马人之中,有58%的人决定将买房计划推迟1年至5年。

My Property Data董事经理Joe Hock Thor也指出,由于部分业主为了维持手上的现金流,选择降低价格出售房产,投资者因此趁低吸纳这些二手房。

此外,政府豁免产业盈利税(RPGT),也促使部分投资者将手上的房地产出售逃离。

数据显示,在2019至2021年期间,PropertyGuru.com.my的二手楼盘平均数量,增加21.3%。

无论如何,经济低迷还是影响了巴生谷去年的新屋和二手屋销售量,分别按年下跌了64.9% 和 41.1%。

在2020 年,巴生谷新楼盘的销售量创下5年新低,首购族和投资者的交易量分别按年减少了90.6%和38%。

在二手屋方面,首购族贡献的交易量按年大跌79.4%,写下5年新低,但投资者贡献的交易量则按年上涨了9.6%,录得5年新高。

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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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    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

      免责声明

        以下条款与条件适用于您登录及使用本站(property.eNanyang.my)与南洋商报有限公司(eNanyang.my)所提供的资讯与服务。若您进入本站任何页面和/或使用其服务,则无限制与无条件同意接受本条款与条件的约束,否则,请立即进中止进入本站和/或使用其服务。

        本站所描述或提供的信息、产品与服务,并非有意于令任何管辖权或国家以内的任何个人或实体被分销与使用,且在此类管辖权或国家内的此类分销与使用违反法律或法规,或令eNanyang.my或其子公司或分公司受限于任何注册的要求。本站提供之材料、信息(包括意见、评论与推荐)与功能,不可在任何情况下被认为或被诠释为对售卖、购买、给予、获取、发行、分配或转移的献议或教唆,或对任何管辖权内股票、股份、债券、票据、利息、单位信托、信托基金或其他证券、投资、借贷、预付、信贷或押金的任何劝告。

        本站虽可能包含或提供property.eNanyang.my或其他方产品与服务的信息、意见或推荐,唯本站不代表该产品或服务、意见或推荐适合您。所有进行的交易,用户应单独承担相关风险与责任,并依据自己的判断,对通过本站获取、被献议或进入的推荐、产品与服务的适用性有自己独立的评估。此外,您应时刻寻求专业咨询,并对在此提供的材料与信息获取独立验证,方可根据任何此类材料或信息进行任何投资、业务或商业决定。对本站或任何其它方在本站表达的任何意见或推荐,本站均无义务且不负任何责任。本站包含的信息、意见或推荐,在购买/售卖任何产品或服务、提供任何投资或财务咨询,或邀请加入任何有法律束缚的合约或安排方面,均不构成本站对您的教唆或献议。您对任何特定产品与服务的资格,胥视有关公司的最终决定与接受。

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        除非另行说明,本站所有编辑内容、图表、影片与音频,均受马来西亚版权法令与国际条约保护。本站保留所有权利,不可在未经本站准许之下,不可进行任何方式的复制、再使用、散播、改编、修改、再出版、显示、广播、框起、拷贝或传播,或储存在信息索检系统。未经本站明确事先书面同意,您亦不可在本站或任何其它网站插入链接、在任何其他服务器框起或“镜像”任何本站所包含的任何材料。南洋商报有限公司(“eNanyang.my”)仅基于个案准许使用版权内容。请电邮至 prop@eNanyang.my 咨询。本站材料仅提供离线信息或非商业使用,保留所有版权与任何拷贝的其他通知。此类使用的内容和/或图像不可以任何方式修改,您不可拷贝或改编本站开发程式来显示页面的HTML编码。它亦由南洋商报有限公司版权所覆盖。property.eNanyang.my及子网站的 “样子” 与 “感觉” 亦为本站商标,这包括本站的配色、按钮形状、布局与所有其他图像元素。本站内容的任何此类非授权复制、再传播或其他拷贝或修改,若违反成文法或习惯法的权利,则可成为法律行动的对象,本站不承担任何未授权复制或使用可产生的所有责任。

        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。

        本条款与条件由马来西亚法律管辖,并根据马来西亚法律诠释。进入本站和/或使用本站所提供的服务,您特此同意,使用本站产生或相关的所有争议,服从马来西亚吉隆坡马来西亚法庭的非专属性管辖权。


        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)