Categories趋势

只要够钱 彭增建可负担屋

2021年10月25日

彭大臣:通过数措施,
确保人民 “居者有其屋”。

为了解决可负担房屋供不应求的问题,只要财务允许,彭亨州将加建可负担房屋。

彭亨州务大臣拿督斯里旺罗斯迪日前接受官媒访问时这么透露、

他说,州政府将通过数项措施,确保人民 “居者有其屋”,尤其是低收入群。

他也透露,州政府兴建的“彭亨一马房屋“,每个单位售价15万令吉,不过,还是有民众声称没能力购买。

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

首购族寻找梦想之屋之贴士

2021年03月16日

苏莱曼
Rahim & Co研究总监

 

 

2019年已过了5个月,拥屋和可负担屋依旧是大马人热烈关注的课题。从资金不足到屋价高企,首购族持续在预算紧张和寻找梦想之屋之间陷入两难。

虽然政府积极解决人民可负担能力的问题,首购族也应该要做好本分适应当前的市况,为自己创造最好的拥屋条件。

因此,我们提供了一些贴士,建议首购族如何最大化利好,并降低成本压力。

自我评估财务条件

买屋并不是件小事,需要很高额且长期的融资承诺。因此,在做任何决定或签约之前,首购族最重要的第一步是评估当前的财务状况。

要看的不仅是买到理想房屋的当前预算,还有其他目前正在供期的贷款,来评估你整体的财务状况,是否能承担高额贷款。

请记得,你为未来房屋分配的预算,不应严重影响你的日常和必须性开支,这不包括出国度假和购物的奢侈爱好。

虽然拥屋对一个人来说是一辈子的保障,但这并不是你整个人生最重要的事情。实际一点,不同的人、不同的状况,对拥屋的重视程度不一,特别是首购族。了解个人的财务能力和买屋的重要性,才是考虑你是否现在适合买屋,还有适当且可接受的价格范围。

距离vs.车程

所有房产大师最常说的一句话:“地点、地点、地点”,无疑是个好的建议,但并不止于此。

一个优秀的地点,视乎这地区为居民提供的所需的便利性,每个地点都有利与弊。

从购屋者的角度来看,对地点的其中一个考量,是距离公司、购物和休闲场所的每日车程。

较短的通勤距离,不代表较短的通勤时间。如果遇上塞车,你的通勤时间无疑会更长。在对的地点,虽然车程较远,却能避开塞车,通勤时间反而更短。因此,要考虑通往公司和商业中心的塞车高峰期,以及非高峰期的通勤路程和时间。

你的要求是什么?

当我们锁定地点后,下个建议是研究该地区能满足你什么需求。

有些人喜欢有地住宅,有些喜欢高楼公寓。

在你锁定的地点选择能满足你要求的房屋种类,来确保你未来10年都能住得舒适无压力。因为这新屋可能是你永久居住地,你不会想要限制到你日常生活的成长空间。

当然,首购族在有限的预算找到完美的房屋可能性不高,但你还是可以尽所能找到接近完美的房屋。

这对年轻夫妻来说极为关键,他们需要在有限的预算案中寻找足够空间来满足家庭人口增加。随着城市化兴起,能发展和兴建的土地越来越少。

如果你的目标是有地住宅,要做好需要花一大笔钱的准备,还有可能距离主要商业区有一段距离;但如果你开放任何房屋类型,高楼住宅值得考虑,因为一些项目会附设公共设备,如健身房、游泳池和共享空间,只需要牺牲住在较小的空间。

此外,你未来还有机会升级你的住所,因此不需要急着一次过满足你所有需求,而是省下一些在你财务状况更佳时再购买。

抵押贷款计划

当买屋子时,你的贷款可能长达10至30年。你不仅需要比较不同金融机构提供的贷款计划,也需要考虑你能承担的贷款计划结构。

在我国,贷款计划最高可达屋价的90%,偿还期高达30年,让你的每月还款额最低。不过,这并不具备成本效率,在支付银行的利息和赚幅后,你最终支付的会比你的屋价来得高。

我们建议买家初步计算各种还款期和数额的最终数额,来根据你的财务能力以及贷款成本,评估哪个计划是最值得。

虽然选择每月最低还款额,会为其他开支提供更大的空间,但30年的还款期可能是一项长期的财务负担。

如果是这样,你可选择每月还款多些,减少利息成本压力。这也意味着,买家可在更短的时间内完全拥有这间屋子。

咨询专家

在“寻屋”路上的另一个贴士,就是寻求合格产业经纪的专业建议。凭借着他们的培训和资历,能为你提供购屋时的利与弊。

通过这些合格经纪和你所委任的律师,你所支付的订金和利息更加安全。

总结来说,首购族在低迷的房市依旧抱持兴奋,惟需要考虑和预防一些关键事项。

就如同租屋有风险,如果盲目且冲动的签约,买家可能会变成受害者。

虽然一些人会说,最终他们名下还是有屋子,但这一路上所体验到的经历和事件,会让你认为所花的时间是否值得。

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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)