Categories趋势

买不起屋,更多国人宁租屋!

2022年08月12日

生活成本压力越来越大,
没钱买房,只能租了!

百物涨价的情况,你还有买房的“余力”吗?

对许多大马人来说,“拥屋梦“似乎越来越远,只能够选择租屋了。

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

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

租金涨势缓慢但稳定上涨,将鼓励更多租屋供应入市。

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

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

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

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

相关新闻:

Categories趋势

英国人第二套房空置 恐需缴税

2022年06月30日

如果第二套房屋空置,
那就得小心了……

英国广播公司(BBC)报道,英国升级大臣麦克戈夫誓言,要结束第二套房空置的这个“祸害”。

他指出,政府打算通过一项新法案,让英国议会拥有更大的权力,对业主空置的第二套房屋采取行动,包括强制业主出租,或是征收更高的市政税(Council Tax)。

这个法案是英国政府的“升级和再生法案“(Levelling Up and Regeneration Bill),英国议会有权强制要求空置房屋的房东,出租其房屋,或采取有利于”再生“的强制购房行动。

同时,未来社区内要展开扩建房屋,都要经过当地社区居民的“街头投票“(Street Votes)。

这项新法案还允许地方当局从2024年4月起,对拥有两套房屋的业主征收双倍市政税。若是第二套房五空置超过1年,税费会更高。

若短租 自证后可豁免

若是第二套房是用来从事短租生意的话,业主可以证明他们的房产确实在出租,就可豁免市政税,还享受营业税减免。

这样的政策相信能让度假胜地的居民受益,因为在这些地区,由于许多业主拥有第二套房并空置,推高了当地房价,限制了可买可租房屋的供应。

资料来源:欧洲时报网、新民日报

 

Categories趋势

高楼住宅价格跌 租金涨

2022年05月20日

租屋 vs. 买屋,
你当前会选择哪种方式?

最新数据显示,虽然我国高楼住宅的价格有些许下跌,但人们却还是选择租房。

马来西亚PropertyGuru发布的《2022年次季马来西亚房地产市场报告》显示,根据PropertyGuru Data Sense编制的数据,分层房产价格在2022年首季按季下跌了0.23%,按年则录得0.51%增长。

但高楼房产的租赁价格指数(Rental Price Index)按季取得0.91%的小幅上涨,按年微涨0.20%。至于高楼房产的租赁需求指数(Rental Demand Index)按季取得6.08%的涨幅,按年大幅攀升111.23%。

这意味着,潜在购房者已经把焦点从买房转向租房,尤其是那些暂时把购房计划搁置并等待经济回稳的人来说,租房是如今更为理想的选择。

虽然高楼房产的价格走跌,但供应量继续增加,按季和按年分别增加了3.25%和18.24%。这表明了价格与买家在地点、设施和便利程度方面等需求之间出现了落差。

马来西亚PropertyGuru区域经理Shylendra Nathan指出,消费者的购买欲望非常低,虽然千禧一代仍偏好处于优越地点的公寓,但高楼住宅还是面临难以卖出和缺乏维护的问题,显示这类房产的价格与当前买家的需求出现了落差。

尽管房市出现了令人振奋的好转迹象,而且预计会在今年下半年逐步复苏,但购房者依然因众多挑战而陷入困境,包括买房负担能力、贷款难度、就业保障和整体经济环境的影响。

此外,随着大马国家银行最近将隔夜政策利率(OPR)从1.75%上调至2%,买家和业主的现有和未来房屋贷款利息将受到影响,进一步打击市场的购兴。

 

Categories贴士

【租事顺利】租客欠租 别乱赶

2022年04月8日

【租事顺利】系列6

有时候,
请神容易,送神难……

虽然租屋法(Residential Tenancy Act)还没通过及生效,但万一屋主和租客发生纠纷,该怎办?

说是没有专司的法令,但还是有些可以用以指引处理租约相关纠纷的法令。

一般处理租用交易纠纷,主要会视不同的情况或纠纷性质,引用现有一些法律来解决问题,当中包括:

• 1950年《合约法》(Contracts Act 1950):主要针对租约冲突的立法。

• 1950年《特定救济法令》(Specific Relief Act 1950):如无庭令,屋主不可随意採用各种手段来驱逐租客。

• 1951年《遇险法案》 (Distress Act 1951) :相关驱逐事项;例如租客不愿搬离。

• 1956年《民事法法令》 (Civil Law Act 1956) :一般租金纠纷涵盖在此法。

• 普通法例/判例法:一般用于处理租用纠纷的总体框架。

以上现有法令对屋主和业主都有一些很基本的保障,对双方的义务也可以加以诠释。

提供适合居住条件是屋主最基本的义务,还要为房子投保火险或水险,同时要每年评估房子状况,确保安全居住。

法律多保护租客?

作为屋主,虽然房子是自己的,但出租后,也不能三不五时,没有通知或依合约条款,就擅自到访;多久前通知可以列在租约内。

屋主也不能未通知就赶租客搬离,更不可以随意丢掉租客的财物。

即使是租客欠租,屋主也不能强行闯入,换锁或做其他动作,例如断水断电等,来逼使租客搬离。

可能也是这样,很多人都觉得国内的法律是保护租客多过业主的。

至于房子毁坏等的维修责任等,最好在租约阐明各种细节,屋主不应过份坚持,全部毁坏都是租客使用不当造成,毕竟房子年久就会有损坏,要维修也是很自然的事。

相关新闻:

 

Categories问诊室

租屋定金多少算合理?

2021年11月18日

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

 

问:

张律师,您好!

我是刚出社会不久的出租菜鸟。

想要询问,哪些事项是出租合约一定要列出的?而租约的定金要订多少才合理?

艾妮


答:

艾妮,您好!

一般的租约都会列出租金金额、定金、 租期、终结合约的条款与条文等,可以保护双方。

至于定金多少,目前没有法律规定的,但市场上一般都是两个月。定金是可以双方面谈妥决定的。

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

《监狱风云》厕所搬进小套房

2021年10月15日

麻雀虽小,五脏俱全,
只是少了道门!

爱看香港电影的人们,对《监狱风云》肯定不会陌生,电影中周润发腿受伤上厕所还一副嬉皮笑脸的样子,有没有很拽?

但,今天要说的是那间厕所。对!《监狱风云》厕所!

如果现在给你一个机会,小套房里的,正是这种开放式厕所,你要住吗?

这种设计的厕所,到底是新潮还是奇葩?

ETtoday房产云报道,面簿粉专“奇葩装潢分享中心”近日分享网友投稿的照片,只见一间在台湾月租7500台币(约1109令吉)的小套房空间不小,看上去干净也明亮,该有的设备一应俱全,有桌子、床、电视、冰箱和厕所,看来不错。

诶,往内一看,怎么有些不对劲?厕所怎么少了些东西?怎么和房间没有隔开?

厕所与房间竟然只用一道矮墙和浴帘区隔,在房间内就可以看到热水器和莲蓬头,奇葩装潢让粉专惊呼“最近流行开放式厕所吗?”

网民质疑湿气及喷水

若在此空间上厕所、洗澡,不免让人觉得诡异,不但味道会传至整个房间,浴室湿气也是一大问题。

也有网友尴尬地问,厕所上半部完全中空,在房内转头就能看到热水器装在墙上,甚至还有微微露出的莲蓬头,有人在使用厕所或是洗澡也是一掀开浴帘就看到。

其他网友就热议,“莲蓬头安装在那个位置,只要一洗澡,外面地板应该都会被水喷得到处都是”、“久而不闻其臭“、”“这是泳池更衣室改装的房子吗?”、“浴帘有没有都没差吧?莲蓬头装在那个位置,是想洗整间房间的地板吗”、“洗澡水不会溢出来吗”、“这让我想起狱中不太好的回忆”……

不过,也有网友表示可以接受这样的套房,“看过那么多糟糕的房子,我竟然觉得这个还可以”、“边洗澡边吹冷气是我的梦想”、“不知道为什么觉得这个设计很赞”、“尿尿还能和室友聊天,另类的优点?”、“嗯.…感覺很潮!”

照片:翻攝自《奇葩裝潢分享中心》

 

Categories贴士

买或租更实惠?

2021年04月10日

到底是买一间屋子好?还是租屋好呢?

购屋,若还没有准备好承担贷款的责任与其中的压力,很容易就将自己置身于破产风险中。

租屋,虽然没有相对大的财务责任,却有不少人觉得缺乏归宿感,容易被屋主逼迁。

其实,无论是购屋或租屋,完全取决个人的财务负担能力和生活方式等条件。

参考以下的各种贴士,就可以帮你回答“到底购屋还是租屋”这个问题。

首先是看看两者之间的好处。

购屋的好处:

  1. 安全感:你和家人永远有个安身之所。
  2. 作为投资资产:租金可作为第二个收入来源,也可作为其它贷款的抵押。
  3. 不受业主束缚:可按自己喜欢的方式翻新和装修房子。

租赁的好处:

1.租金比贷款负担低:这意味着将有更多可支配收入作为开销、储蓄或投资。

2.租约短期:如果财务状况有任何意外,可灵活终止租约。

3.少了维护负担:租客不必负责房屋的大型维修费。

购屋与租屋所需的成本或开销

购屋最主要的考量就是财力,来看看购屋和租屋所需的成本或开销,敲敲你的算盘吧!

*购屋所需开销:

1.头期

普遍是屋价的10%,会是一笔大数目。

目前有几家银行,为首次购房者提供100%融资,但请铭记,借得越多,支付的利息也越多。

2.供期与利息

我国房屋贷款平均偿还期限介于30至35年,通常是浮动利率,意味着只要利率提高,每月供款随之增加。

先根据自身的预算和负担范围来选择可负担的产业,未来储蓄了更多钱,再升级到更好的屋子吧!

3.其他成本

其他费用包括买卖合约费用、律师费、印花税和一些杂费,需要数千令吉。

如果其他成本太高,不妨询问你的银行是否提供零成本贷款。此类贷款类似零头期贷款,代价就是你必须支付更高的利息。

4.门牌税与地税

所有屋主都必须每年缴付两次门牌税。同时,也需每年缴付地税。

5.维修费

必须承担所拥有产业的全部维修和维护工作及费用。

*租屋所需开销

1.订金

通常需要准备1至3个月的租金作为保证金,外加1个月的水电费抵押金。

2.个人生活开销

评估你的每月预算,以衡量是否负担得起租金,避免租金超出本身能力范围。

每一个支出都不可忽略,水费、电费、付费电视台、电话与互联网费等。

3.租期

请注意租约的最短有效期限和终止合约的通知期限。如果你的租约为1年,必须居住在该单位长达1年和缴足1年的租金。

Categories意见

三大妙招避坠购屋陷阱

2021年03月28日

苏莱曼
Rahim & Co研究总监

 

 

尽管许多人坚持认为,2021年将会是比2020年好的一个年头,但新年的起步并不顺利,因为元旦日当天,我国2019冠状病毒病新增确诊病例创单日新高。

不久之后,政府就宣布全国晋入紧急状态(直到8月1日)及从1月13日起再落实行动管控令(MCO 2.0)。

起初,MCO 2.0只是在疫情最严重的数个州属落实,但随后很快的延伸到全国(砂拉越除外),而本文截稿时,MCO 2.0 也已延长至2月18日。

MCO 2.0 的各项管制和被令停业的情况,比去年3月18日起实行的MCO 1.0 来的宽松,但人们仍感到不安和激动,因为除了短暂和必要的出门之外,大马人再次发现自己被迫“宅”在家中,一天24小时受困在四面墙之中。

然而,有了MCO 1.0的经验,多少也让国人了解可以预期些什么。对于仍在静观其变,准备伺机购置心仪家园的准购屋者而言,以下是他们可以最大程度地善用MCO的经验,并提供预防措施,以避免你在没有预先“做好功课”下,就轻易坠入“大流行独家交易”陷阱的各个技巧。

1.勿屈服于同侪压力

产业永续投资很重要

MCO期间,购屋者可能会看到有关购房机会的广告和文章,有关广告和文章可能会强调,购屋者应趁当前低利率、发展商提供各种折扣和回扣等“好康”,以及目前是买家市场等利好因素购屋。

这些“好康”可能或诱使你终于考虑大胆的采取行动,然而,房屋作为一种高价产品,根本不应单凭一时的利好因素,就可作出购买的决定。

一旦未经深思熟虑下就作出购屋的决定,你不仅将因此背负长达至少30年的财务负担,而且要转售房产套现周转也不再像往日般容易。

由于这是一项长线的投资,产业投资的永续性至关重要。

在一个冠病大流行的环境下,当许多事情已变得岌岌可危,在没有事先做好充分准备,或已拟订一份可靠的后备计划,以在一旦事情发生不利突变时派上用场的情况下,就草率的申请和获取房屋贷款,将是一个下下之策。

对于那些一直在等待良机出手,已拥有所需的资金,并已做好长期被一间房子“捆绑”心理准备的人,如果你眼前已出现一个适当的房屋,并建在合适的地点上,又以优惠价格出售,目前就是你购屋的正确时机。

2.充分善用MCO生活

鉴定必要及理想要素

长达2个月的MCO 1.0令许多人措手不及,对自己突然绝大部分时间必须乖乖待在家,只能间中出外购买必需品的情况深感震惊。尽管一些人早已适应“宅家”的日子,一些人则对被迫与至亲分隔两地,以及只能与社交圈子进行极少量的实体互动感到日子难过。在心理健康受到打击下,人们开始意识到,拥有一间自己偏爱的房屋是多么重要。

如今,MCO 2.0已落实了一个月,仍在等待签署房屋买卖合约的购屋者,可以回溯一下去年MCO 1.0被困在家的那一段日子,从中省思这次该如何应对。例如,回顾一下当MCO 1.0实行时,你面对哪些难题,而你又对周遭环境做了些什么,以协助你应对宅家的日子,并让你的住处变成更好的家园。尽管在疫前的一般情况下,你在外头和户外的日子会比在家的日子多,但重要的是有家可归,而且有家的感觉,觉得这就是你的家。

列出“是”或“否”

对于房屋设计和尺寸,不同的人会有不同的需求和喜好,并可能需要像MCO期间被迫宅家,生活起了很大改变时,才会意识到这点。基于你大部分时间都“被困”在家,所以对于那些居家作业的人来说,尤其要留意让你在当前住所感到舒适和放松的因素。你也要留意日常生活中让你感到不适和压力的因素,这包括室内装饰、空间设计、住所的整体面积和周遭环境。

一旦你已鉴定了必要和理想的各个要素,就把它运用在你所选择的新居上,看看它是否符合你的生活方式即日常空间需求。尽管人们普遍认为,有地房屋是理想家居选择,但这不一定适用于所有人,有些人反而可能会觉得有地房屋为他带来不便,且不适合他们的生活方式。对于一些个别人士和较小的家庭来说,他们反而选择更为密集和有更多便利设施的居住环境,例如设有游泳池、健身房和公共休闲区的高楼住宅,而且,这类设施一般上是靠近或处于商业区内。反观有地房屋,除了一般上面积较大以外,也普遍距离市中心较远。

尽管拥有本身的私人花园区和围篱停车场,听起来很吸引人,但为了避免你的房子看起来欠缺照顾,而需进行的维修和保养费用,将是一个重要的考量因素,尤其是那些日常事务繁忙,没有时间修剪草坪或打扫家门口的人来说,更是要三思而后行。

简而言之,借鉴你去年在MCO 1.0期间的经历,对你的住所空间作出仔细思考,并对你周遭的事物最终是否造就或破坏你的理想居家环境,列出“是”或“否”。

3.该买屋,还是租屋?

须考虑其他财务负担

购屋或租屋之间的两难选择,经常困扰着那些可能尚未确定永久安定下来,或仍不确定该在何处找个栖身之所的人。尽管脱售房屋(即使是仍在供还房屋贷款)是一项可行的选择方案,而且大部分情况下,长远都是有利可图,但没有人可以保证一定可以找到理想的买方,也没人可以担保一定取得盈利,这很大程度上取决于脱售房屋时的市场情况而定。

随着资产资本价值的增长,尤其是当屋价目前正处于调整阶段,并在某些地区而非所有地区都可以看到获利增长时,购屋和卖屋之间的持有期也比人们预期的要长。

购屋者须避免犯下售价便宜,但房屋所在地点却并非策略地点,而且出入不方便的错误。

同样的,如果你准备出租房屋及物色租户,也必须避免犯下同样的错误。

对于仍可能因工作转换工作地点,或只是偏爱更逍遥自在的生活方式,而仍不愿选择永久家居的潜在购屋者,暂时租房将更为合适。

单是因为已拥有充足的资金,或舒适写意的生活概况,并不足以构成促使你马上作出购买首间房屋决定的理由。当然,若你已两者兼备,就可确保你签署了房贷合约后不会马上后悔。

当你打算同时为多笔贷款融资时,还必须考虑目前的其他财务负担。

此外,裁员或减薪等意外事故,将对您的生活状况造成更严重的影响。相比于抛售仍在供还房贷的房屋,并寻找新的住处,中止现有的租屋协议,改为寻找租金较便宜的房屋,显得容易得多。

危机中不乏机会

总而言之,在当前冠病疫情大流行的这段危机时期,未必尽是乌云笼罩。反之,所谓危机中不乏机会,乌云中藏有一些良机。如果有关条款和条件有利,并已为就业、健康或家庭状况可能在短期内出现的任何突变做好准备,那么,就应把握这样的机遇。

你不妨换个想法,除了在待办事项清单上探索新的爱好,或追看全球最大串流电视平台Netflix发布的最新影片,倒不如想想如何善用MCO这段时期的各种情况,把它化为有利于自己的机遇。

Categories意见

在租屋市场做个不退休的房东

2021年03月23日

苏莱曼
Rahim & Co研究总监

 

 

谈到“租房比买房更实际”的观念(又称寄生主义),人们常常列举德国、法国和日本,原因很多,可能是房价高至荒唐,或者人们追求或宁可接受更加游牧式的生活方式。

在大马,虽然人们仍在强烈追求拥屋,但租屋市场的动力也在升温。

鉴于租屋趋势升温,政府已开始制定住宅租赁法来加强租屋市场,以保证更安全的租赁环境,保障租户和房东。

对租户来说,可轻易找到许多如何不踏入陷阱的建议,同样的,房东也应该要谨慎和做好准备。

房东没有“退休年龄”,是获取被动收入的简单方式。来看看以下这几点,让你准备好当个房东。

·地点在哪?

首先,房东最重要的就是要有一个可出租的资产,如果你已经准备好,那再好不过了。如果你还没有,那要考虑一些事情。

在发展商的鼓吹下,买屋投资好像很诱人,但要记住,作为买家的你是否可以负担得起,不管是现金还是抵押都是。

常常见到一些新一代的房东为了出租而买下房子,导致收入和开支非常紧,不能有出错的余地。这不仅增加了他们的债务负担,如此高风险的投资举动还会影响原本的财务负担。

此外,也要考虑到你所出租的地点和其他竞争者的出价。靠近公共交通枢纽、四通八达和便利设施固然重要,亦要考虑到所在地的吸引力,概念、布局、设施和建筑管理品质同样重要。

也请记得,竞争不止是来自外部,也来自内部,也就是同样项目的其他单位,不同的楼层、规模、视野和方向都有关系,对于能否尽速找到租户、并能获得有利可图的租金来说,至关重要。你期望的租金可能比市价还要高。

·依赖租户准时交租?

这是针对那些靠月租金来偿还贷款的房东,尽管在有些情况中,房东会采用这种不可靠的方式,但强烈建议你不要这么做,以免陷困。

如果租户不能按时支付租金,最坏的情况是你会拖欠贷款,造成自己的财务问题。因此,请确保你有足够的自有资金来支付所需承担的费用。

当面对一些惯于迟交租金的租客,有一个具有威慑力的工具,那就是在租赁合约中涉入逾期付款的罚款条款。除非他们愿意支付额外的费用,否则这条款能吓阻他们。

这也是为何,在执行一份租赁合约时,最好有律师和专业产业经纪、评估师或物业管理人等的协助。

上述是基于已经将房子出租的情况来假设,别忘了,在空置期中,房东必须自行承担营运成本和债务。

·单打独斗还是团队?

作为房东,不一定要单打独斗,也不一定要雇佣团队。这取决于你要出租多少物业,已经管理租户和维护物业的要多少工作量。

在选择聘请专业人士还是自行处理时,要考虑的关键因素是,你能够胜任房东的角色到何种程度?

房东通常被视为副业,获取额外的收入。在这样的情况,雇佣物业经理人或产业经纪来处理繁琐的文书工作和管理租户,更加实用且有效。当然,你需要额外支付费用。

如果你现在担任全职房东,则需评估你力所能及的范围。完全参与意味着,你的租户在任何时候都可以直接与你联系来解决问题,且大部分人期望你能迅速回应,因此你要随时有空。

在租约终止或期满时,房东要能快速检查物业,并适当处理退还给租户的押金和退款。若有必要,还需要估算所需的维修和准备工作,以便迎来新的租客。

有时候,房东会低估所需要的工作量,比如说重新粉刷等维护工作。对此,你要有可信赖且价格合理的维修人士,毕竟租户有时候也临时需要维修。

无论你是全职还是聘请团队帮你,房东都应该要有产业相关知识、了解普遍存在的问题,以及最新的法律。

倾听专业人士的建议和意见固然重要,房东也要有自己的意见,在必要时做出有见地的战略和决策,也要一定程度预测未来的情况,如你的财务能力。

·罗马不是一天建成

最后,要担任一名房东,想清楚你真正的目标。你打算未来5年内能在产业组合中取得多大的增长?你期望在多久后取得盈利?

一般而言,产业这门业务不会像股市或中马票一样,在一夜之间产生百万盈利。产业或土地的增值需要时间,也胥视推动其发展的催化剂。

对在租赁市场交易的投资者来说,你需要的是稳定的出租量,来赚取被动收入,以免造成更大的债务。同时,资产组合越大,租金收入越高,但处理个别的租户和物业的管理也更加复杂。

房东也要策略性选择在什么平台招租,以锁定正确的目标市场。不同的平台有利也有弊,要彻底研究清楚。

总结稳定流量收入最重要

整体而言,房东很容易因不慎而成为财务损失或错误商业举动的受害者。

不要贪婪,不是越多物业越好,而是要获得稳定的流量和收入。

虽说租屋所得是一种被动收入,但要确保租户支付租金的工作和精力,可不是被动的。即使雇佣了专业人士,作为房东的你也有责任注意,以免发生诈欺或不当行为。

Categories意见

可负担的舒适家园–租屋

2021年03月15日

苏莱曼
Rahim & Co研究总监

 

 

可负担屋持续是大家的忧虑,因为不只是房价高涨,由于收入停滞,日常开销也持续上涨。

但一般来说,可负担屋并不一定直接指向拥屋权,更广义来说,拥有一个舒适的住所未必指的是直接拥有或永久拥有,租屋也算是可负担的方法。

每当谈及可负担屋,最常被提及的是屋子的拥有权,因为无论是公共或私人领域可负担屋措施,都是指向可以买到可负担屋,这个人生目标。

但实际上,可负担屋指的是中等收入和以下阶层,财务能力所及的家园。

而一般来说,并不一定是直接指向拥屋权,更广义来说,拥有一个舒适的住所未必指的是直接拥有或永久拥有权。

作为替代管道,租屋也可以被视为是较不长期的可负担屋方法。

在大马,拥有自己的屋子还是大部分人的梦想,也是支撑着产业市场的因素。

拥屋无疑是一个长期目标,一个人无论如何都需要一个屋子。因此,在储蓄到终于可以买到梦想家园同时,租屋是拥有自己家园的第一步。

规划避免被骗

租屋可能不比买屋长久,但是还是有一些考量和必须规划,以避免错误和被欺骗。

以下将讨论租屋过程中的“应该”或“不应该”事项。

无论是租屋或是买屋,最终目的就是有瓦遮头,有地方住。

最近的租户在寻找房间或屋子时,上网寻找是更常见的方式。

准备清单筛选单位

应该要准备一个清单,过滤掉不合适的单位,然后把优先的条件列出来并把合适的做个记号。

以生活方式和日常生活习惯为基础列出生活优先条件,再找出什么是必要元素、可协商元素,和不可接受并会导致谈判破裂的因素。

每个人必要的租屋条件可以小到很琐碎,比如要有自己的浴室,或可以走路就到火车或捷运站。

这些必要条件最终会影响你未来6个月或更长时间内生活的舒适度和便利。

可协商条件相对灵活,你未必一定要有,且这些条件不会显著影响日常生活舒适度,且少了他们还是可以生活,若有了就是加分。

造成困扰直接淘汰

至于导致谈判破裂的因素,就是你无法接受的事情,而且可以直接不考虑。

什么条件可以直接不考虑呢?就是会冲击到你的日常生活,而且会对自己造成困扰。

租屋前,先准备一份条件清单,可依照舒适度和满意度,助你选出潜在房子。

即使租屋相对短期,也不能牺牲舒适和安全,因为租客既然要支付租金,就要住得满意。

必须签署租约

作为租客,要避免被屋主不可预计的赶走,或租约条件忽然改变,一定要签署租约。

租约是出现纠纷时的救命绳索,确保双方拥有平等的权利。

为了避免日后的困惑或者漏洞,一份租约必须清楚列明所有的细节和条件,也包括租约期限和续约的条件。

同时,要阐明产业的状况,包括产业的维修、安全和保险、设备的素质和管理,及租金如何调整都是非常重要,因为租约期间若有任何变化,才可以决定是谁的责任。

有注册的产业经纪本质上,会为你洽商的主要事项就是租约。

租屋须实地视察

要寻找房间或屋子时,当然要去现场视察,了解实际情况。

亲自去参观想要租的房间或屋子,才能确保在网络上看到的资讯真实且准确。

不幸的是,市场上许多欺诈案就是因为租客只依赖网络来寻找房子。

亲自去看,不只可防止欺诈,还可亲自去看看附近设备的情况。

必要时求助专业人士

如果租房子的时候,需要专业帮助或议价,找一个专业的人,比如有跟大马估值师、估价师及地产代理局(BOVEAP)注册的产业经纪。

这些人经过正式的训练和拥有必要的资格,更加有能力为你提供服务;且通过有注册的专业人士,你的权利更加得到保障。

如果你只是在未来数月或数年内租屋,不要在还没有考虑到目前和长期财务规划的情况下,就去租屋。

这对于有购屋目标的人来说,尤其非常重要。因为你必须持续的把相当大部分收入储蓄起来,以完成这个目标。

今天,许多人所面对的矛盾,就是购屋需要一笔头期款和接下来还要承担每月供款。

简短的来说,如果你是要寻找便宜,暂时的住所,又要存钱买屋子,长期的财务规划会帮助你达到这个看起来不可能达到的任务。

勿只追求便宜租金舒适环境也很重要

一般上,人们会选择租房子,原因包括不想要永久的在固定地方生活,比如喜欢游牧的生活,或者就是要为了未来买房而储蓄。

不管是什么原因,一个人未必只为了便宜的租金,而牺牲掉基本舒适。

虽然每一个人的最低舒适度和安全度都不一样,但每个人都有权利追求自己认为舒适、安全和合适的屋子来居住。

所以总结以上的观点,租客不应该只追求便宜的租金,应该基于所提供的设备和素质,来选择最物有所值的房子。

以屋子的实际情况、设备、维修、社区和地点来看,最便宜的租金未必是最好的,不过租金较高的也未必比便宜的好。

选择租屋,要符合个人的情况,什么最适合自己的生活方式。且要向专业人士咨询,不只是单凭一个人的意见。

毕竟租屋并不表示要牺牲掉享受人生,每个人的目标就是要有能力负担起一个舒适的家,让自己每次回家的时候都会微笑。

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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.

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    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.


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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)