Categories趋势

最新骗局:看房要先给订金

2022年03月16日

各位租客们,
看房,真的不需要先缴订金……

越来越多的诈骗犯招摇过市,这回是假扮房地产中介,还盗用其他房地产公司、中介的名字照片、执照号码等,在网上办得有模有样要招租,等到有人上钩要看房,竟说要收一笔“预付款”,看完房就可全额退还。

这样的新型诈骗发生在新加坡,根据《新明日报》,博纳(PropNex)集团总执行长林永福透露,近期公司中介收到租客的讯息,才发现有不法之徒在租房网站上“行骗”。

这些骗子们冒用公司的名义、中介名字、 中介执照号码、照片等招摇撞骗,并在联络栏放了骗子自己的电话号码,租客信以为真联络上后,被要求先给订金才能看房。

中介发现广告上的联络号码,和房地产代理理事会(CEA)网站注册的不同后而起疑心,然后假扮租客联络上对方。

骗子出示中介证件,让有意看房的租客预付1000元(约3000令吉)。

狮子开大口要上千元

据了解,有些骗子开价200至400新元(约613至1226令吉),还有人狮子开大头要1000新元(约3065令吉)。

而被骗的租客,给了钱后在约定的地点等了1小时半都不见人,自然也联络不上这骗子。

林永福指出,房屋中介不被允许处理现金交易,无论是买家还是租客,和中介预约时间看房时,不需要预先支付任何费用。

他提醒,在租赁交易中,租客若有意租房,必须向房东提出意向书(letter of intent)后,才预付一个月的按柜金,双方也须以白纸黑字签署租房协议。

Categories趋势

禁收订金举措 产业界坐立不安

2021年04月11日

解构被诅咒的房市梦魇(上篇)
独家报道:黎添华

刚过的1月份,一宗看似平平无奇的房屋官司宣判了,但敏锐的业界却开始坐立不安。

这份来自联邦法院的判词指出,基于2015年宪报的房屋发展(控制及执照)法令修订条例中,严禁包括发展商、房产经纪等任何人收取订金。

就此,法庭认为既然发展商违法收取订金,那么购屋者就无需根据买卖合约上的签署日期,来追算迟交屋的赔偿(滞纳金LAD)。作为惩戒,法庭宣判滞纳金得从缴付订金那天开始算起,换言之,发展商要赔得更多。

这标杆性判决让业界哗然,但却不是唯一让他们倍感压力的案件。近5年来,房产界已先后就多起案件所困扰,活脱脱像是被诅咒了的行业……

房产界在过去几年接连被抛下震撼弹,而一些“计时炸弹”也倒数炸开。

情况1:不能收订金,四造都困扰

在上述的宣判中,联邦法院首席法官敦东姑麦文说,由于法律禁止发展商违法收取订金,任何购屋者只能在跟发展商签署合约时,才须缴付10%首期付款予发展商。

滞纳金从付订金算起

如果严格遵守法律,就不会有逾期交屋赔偿金的计算日期,及应从支付订金还是协议正式日期计算的问题,因为那10%和买卖协议(Sale & Purchase Agreement,简称S&P)将同时执行。

就此,在法官认为“发展商指购屋者根据S&P上所注明的原价来追算有关赔偿金,是不公平的致富方式”,以及“购屋者向违约一方索取补偿不存在不公平致富”的前提下,最终发展商被令,赔偿的滞纳金需从缴付订金那天开始算起。

尽管法律严禁发展商收取订金,但这一操作却已在业界存在多时,追根究底这或许与其存在价值有关。马来西亚房地产中介协会(MIEA )主席林文彬就向《南洋商报》解释,其实订金制度在房屋买卖之所以成为理所当然的一种市场作业方式,是可以理解的。这主要是因为发展商、购屋者及中介们都希望,本身能从订金中获得保障。

林文彬

购屋者锁定钟意单位

首先,发展商和中介(非二手房屋)能通过订金制度,减低因购屋者不讲信用而临时变卦的风险。

再来,购屋者也可以锁定自己钟意的单位,不让看中的点位被人横刀夺爱,更能避免发展商随意允许价高者得的乱象。

这也是为何,订金这一环就列在了马来西亚产业中介标准(Malaysian Estate Agency Standards)里头,多年来被中介们视为标准作业流程一环。

此外,从事这行超过22年的他也发现,很多时候,一些购屋者恐怕无法一时间拿出10%的首期,因此订金至少能视为一种购买的诚意,协助他们购买钟意单位。

银行审批房贷
也需参考订金

除了上述3造,银行其实在审核贷款程序上,也需要订金及订购收据等文件来证明购屋者的购买诚意,除了银行存款外,订金也被视为贷款能力的其中一种表现。显然,订金对中介、购屋者、发展商,以及银行都发挥了关键作用。

作为第二代房产中介的林文彬也透露,打从其父辈那一代开始,就已向顾客收取订金,换言之,订金操作在市场至少运作了超过30年。

询及发展商发出的献购信是否就能取代订金,他认为在未签署S&P之前,区区几页的献购信或表格之类文件的约束力并不足。

高炳江

高炳江:逾期交屋
“未必是发展商问题”

若MIEA接触的多以二手房产为主,那么世界不动产联盟(FIABCI)对此课题的看法无疑是更直接且贴切的。

该会马来西亚分会主席拿督高炳江也表示,1月份的判决给了发展商2大震撼弹。首先,由于滞纳金的追算是从收取订金那天开始算起,意味着一旦发展商无法如期完工,那么势必将赔偿更多。

“有时发展商延迟交屋也是‘非战之罪’,因为大家会遇到水供安装不准时、电源供应来得慢,全球局势导致建材短缺、政府政策导致外劳不足等情况,但最后赔偿的却是发展商。”

纳闷法庭裁决

值得一提的是,他也纳闷,尽管法庭的判词中指法律禁止发展商违法收取订金,但是最后赔偿的滞纳金却是从订金那天算起。

“如果发展商违例收取订金,那么可以直接让发展商就自己的过失罚款,可是法庭却是指示滞纳金从订金那天追算,这无疑影响了发展商。”

第二,过往发展商在正式推介项目时,都会借助购屋者提前下订的举动来试探市场热度,以及对有关项目的支持,若不能继续收取订金,那么这将导致发展商很难评估自己即将要推介的项目是否能获得一定的热度。

促政府修法允“订金”存在

从事屋业发展超过30年的高炳江点出,基于订金其实对发展商、银行、经纪来说尤其存在的必要,而购屋者也能以订金来保障自身的权益,因此政府不妨考虑修订法令,允许业界收取订金,好让它更符合现今的业界环境,真正做到保障购屋者及业者,乃至整体业界的发展。

“例如,订金收了不能汇款到发展商的账户。另外,收订金后,在一段时限内若没有办法成交就当做取消。这只是形式,何况若是最后贷款无法批准,订金是可以悉数退还的,购屋者根本没有损失。”

本报尝试向一些中介了解后发现,由于意识到订金的问题,一些发展商开始将订金收了转交律师或中介,因而避开法律追究风险,也成功顾及各方利益。惟各造其实更希望看到政府能通过立法,直接承认 “订金” 的存在。

付了订金一定得买?

另一个让业界思考的是,若法庭认为滞纳金可以从订金当天开始追算,那是否意味着往后一旦缴付了订金,购屋者就得履行购屋承诺?

情况2:一个签名,500项目受影响
无权延长期限 房屋管制处变“橡皮图章”

滞纳金的出现,主要是因为延迟交屋所致,而2019年的另一宗标杆性判决则进一步给了某程度的预警。

过去,根据1966年房屋发展法令的附表G和H指出,任何房屋都得在指定时间内完成,其中高楼为36个月,而有地房屋则为24个月,一旦逾期则得赔偿滞纳金。若发展商能基于客观因素而需要更多时间完工,则可以向房政部长申请延长交屋期。

然而,由于部长不可能长时间亲自审核,即使签名也需胥视部长的时间是否充裕,因此房屋和地方政府部属下的房屋管制处(Housing Controller)会代为签署有关延期申请。

看似一般的程序,但2019年一场来自联邦法院的判决却点出,房屋管制处没有权利延长发展商的交房期限。判决指出,根据 1989年房屋发展(控制和许可)条例中的第11条(3)指出,控制人权力,赋予房屋管制处免除和修改购房者与发展商之间的销售合同条款和条件,与1966年房屋发展(控制和许可)法令相违背。再来,法庭认为,通过修改已签订合约的条款和条件,给予发展商延长完成工程和交屋,侵犯了购房者就延迟收屋而提出损失赔偿(LAD)的权利。

如此标杆性判决影响的不只是当年的那宗案件,因为同一时候,或更早之前,许多项目都已经获得房屋管制处官员的签名,根据马来西亚房地产发展商会(REDHA)的保守估计,目前全国就可能拥有500多个项目受到影响。

黄腾亮

黄腾亮:法令过时
建筑越高越难准时完工

马来西亚房地产发展商会(REDHA)前主席拿督黄腾亮就向本报指出,一旦无法延期,滞纳金将加重整体成本,影响他们的销售净利率。

他也说,该法令距离现今的环境数十年,如今的工程却因为楼层越建越高、设计越见独特、工人短缺、以及平地少见而转往填海或高地地势的关系,所以需要更多时间来完成,换言之,要36个月完工无疑十分挑战。

“以前拿督斯里黄家定出任房政部长的年代是不允许延长交屋期,但当时的情况和现在不同,不能一概而论。”

一名不愿具名的发展商就向本报表示,过去的高楼可能只是20楼左右,如今30楼都算普通,而槟城和吉隆坡更出现50楼,甚至60楼的项目,因此现有法令是否符合当今的发展局势,是否与现实运作严重脱节,值得思索。

应考虑外劳等因素

此外,现有的法令是否忽略了许多人为因素,如外劳短缺、现有劳力的技术水平是否达标等,这些都左右着完工期,因此法令或许保障了购屋者的权益,但是却可能忽略了现实的因素,如此下去,恐怕无法真正解决问题的根本。

“这是治标不治本的,尽管法庭一再下判,但是发展商、承包商、工程师和建筑师始终面对现实的问题。”

梁宁芳

情况3:综合项目管理费划一
未获分层地契 也需分担商业单位费用

同样在2019年,另一起来自上诉庭的案件也掀起业界涟漪。

尽管早前高等法院裁决,共管机构(JMB)有权根据分层管理法令向综合发展项目内,持不同产业类型的业主们征收不同费率的管理费;然而,上诉庭于2019年10月却裁定JMB不能向不同单位的业主征收不同的管理费。换言之,只要综合项目里头的购屋者还没获得分层地契,他们都必须和商业单位划一服务或维护等费用。

拥有超过10年房产买卖经验的产业专栏作者梁宁芳就认为,这一判决自然会左右综合项目的买气。

不利综合项目发展

她说,最先出现的问题是,商业用途业者与购屋者会基于相同服务及维修费,要求彼此使用彼此的空间,届时,购屋者会认为隐私被侵犯。再来,由于商业单位的费用较高,因此购屋者自然也会不满为何需要为商业单位分担。

此外,基于土地逐渐缺乏,综合项目已成为吉隆坡、槟城等地的发展趋势,因此有关判决无疑进一步挑起投资者及发展商的神经,更甚的是,这可能会影响未来发展商打造高端综合项目的意愿。

不过,她认为,法庭的判决是有一定的法律依据,无需置疑。惟,政府是否应针对现有的法令作出修订则可能需要与业界人士商讨才行,否则可能面对法律与现今运作不符的窘境,进而引发更多的诉讼,最终不利整体房产界的发展。

下期预告:1953年限制法令(Limitation Act)修改法案,发展商另一场计时炸弹。

 

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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.


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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

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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)