Categories趋势

何时是购屋最佳时机?

2022年08月17日

购屋最佳时机,
其实由你做主!

听过这句话吗?“只要爱对了人,每天都是情人节!”

马来西亚房地产发展商会(REHDA)马六甲分会主席拿督吴俊兑想告诉你,只要规划好收入,何时都是购屋最佳时机!

当你想要买房时,会不会常听各种市场意见,告诉你现在利率如何、房市前景如何、房价可能即将上涨等,让你抓住好时机赶紧购屋。

其实,购屋的最佳时机,得看你自己的财务规划能力!

也是Wawasan Intact Properties Sdn Bhd 董事的吴俊兑出席关丹皇都新房屋推介礼时指出,很多有意购屋者,因为担心通胀和经济前景,而一直犹豫不决,无法决定到底是现在购房好,还是等多一阵子。

配合国庆日,关丹皇都、宏愿屋业携手关丹雅韵歌友会及关丹华联青举办系列活动欢庆,坐者左起为潘昭银、黄金宝、余志凌、法里占、吴俊清及吴俊兑。

应积极不消极

“面对通膨,购屋者一般持有两极心态,积极者规划收入购屋,消极想法则持现阶段不购屋。“

”购屋最好时机,是做好收入规划,随着通膨及物价高涨,若现在不买,料未来屋价更高,换言之,重要是规划收入,而不是不购房屋。”

推介礼出席者包括Wawasan Intact Properties(彭亨)有限公司董事经理拿督吴俊清、关丹皇都负责人法里占、关丹雅韵歌友会名誉主席潘昭银、副主席黄金宝及关丹华联青署理总团长余志凌等。

他说,配合国庆日,关丹皇都将于本月20日及21日举行展销会,届时公司将安排财务精算师团队,在场与有意购屋者交流,给予建议,以选购心目中理想房屋,一圆居者有其屋梦想。

Categories趋势

雪州房产交投 巴生第一

2022年01月24日

报道:李治宏

过去5年,
巴生一直盘踞全国5大房产交投热点

2021年上半年,巴生仍是雪兰莪州房产交投最活跃的地区,接着依序为蒲种、加影、莎阿南和蕉赖。

根据产业数据与分析网站PropertyAdvisor.my,巴生也是全国房产交投第二活跃的地区,2021年上半年共有485宗成交量,仅次于怡保(527宗)。

事实上,打从2019年上半年开始,巴生一直是雪州房产交投最热的地区;过去5年,巴生也一直盘踞全国5大房产交投热点行列。

人口稠密或是雪州房产交投活跃的主因之一,而作为雪州古城的巴生,人口更排名全国前列,根据2010年全国普查,巴生是全国人口第四多的城市。

房价比吉隆坡和八打灵再也偏低,也是巴生房产成交量持续高居雪州榜首的一大主因。

截至2021年上半年,巴生房屋中位价格为40万令吉。

如火如荼施工中的轻快铁第三路线(LRT3)预计于2024年竣工,届时料将进一步提升巴生的交通便利。

轻快铁第三路线共设有26个站点,其中13个拥有未来进行以公交为导向(Transit Oriented Development,简称TOD)发展项目的潜能,将进一步带动巴生现有发展蓬勃的城镇,例如武吉拉惹和武吉丁宜的发展。

巴生轻快铁站

PropertyAdvisor指出,拥有策略重要性的巴生港口也不应被忽视。

疫情爆发以来,工业产业和电子商务的需求殷切,因此巴生房产交投炙热,也许也和当地经济发展和就业机会有关。

蒲种房屋中位价涨幅最高

另一方面,2016年以来,雪州产业价格保持平稳,中位价格从2016年的35万令吉,于去年扬升至46万5000令吉。

蒲种是雪州房屋中位价涨幅最高的地区,去年上半年的中位价比去年同期按年激增40.15%。

雪去年上半年交易
95%是二手房市

横跨雪隆两地,部分地区属于吉隆坡及部分地区属于雪州乌鲁冷岳县管辖范围的蕉赖,则同时跻身雪州和吉隆坡去年上半年5大房产交投最高地区的排行榜。

事实上,雪州去年上半年的房产交易当着,高达94.6%是来自二手房屋市场。

当中,高达69%是有地房屋的交易,再度证实这类房产在疫情期间的需求不跌反增。

在买家方面,约57%交易来自首购族,其余43%涉及拥有超过一个产业的房地产投资者。无论是首购族或投资者,巴生都是最受欢迎的地区。

加影在首购族的交投中排名第二,蒲种则在涉及投资者的交投中占第二位。莎阿南在这两类购屋者的受欢迎度都排名第三。

Categories趋势

房价飙!英检讨免税措施

2021年06月5日

英国房价正以7年来最快速度在节节升高,让英国央行感到不安,有可能出手削减经济刺激措施。

根据全英房屋抵押贷款协会的数据,英国5月的房价按年上涨10.9%,是7年来首次取得两位数增长。

这增幅甚至是经济学家预期的两倍。人们猜测,近期财政部暂时取消房地产购置税,是“火上浇油”推升房价。

英国央行两位副行长乔恩康利夫和戴夫拉姆斯登在接收访问时,不约而同透露,该行已注意到目前房市确实是由免税措施推动,因此正在紧密关注房价,来衡量是否要出手削减经济刺激措施。

乔恩康利夫接收BBC访问时说:“我们看到住房价格快速上涨,也了解以往未实施免税措施之前的交易情况。有一些迹象表明,人们正在做出不同的购房选择,而这可能影响未来。”

防范通胀压力上升

而戴夫拉姆斯登对《卫报》表示:“存在需求超过供应的风险,这将导致通胀压力普遍上升,这是我们绝对要防范的。”

虽然英国央行的主要通胀指标已经长达一年半一直低于2%的目标,但央行决策者预计,受疫情期间积累的储蓄推动,通胀率到今年年底将在大约2.5%见顶。

随着英国首相鲍里斯约翰逊放松防疫管制措施,最近几周零售额飙升,已经超过了大流行前的水平。

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贴士

买屋子,别踩这地雷!

2021年03月27日

买房子是一笔庞大的开销/投资,并非说买就买。购屋前,事前功课必做足,慎思各项细节,想好自己和未来的生活需求,再寻找适合自己目标和生活方式的屋子。

来看看以下八项地雷,切勿日后哪天后悔莫及买了这间屋子!

1.房贷供款超过月入30%

梦想之屋好贵,但好想拥有它?千万别想着“以后省吃俭用”就好,而允许未来的每月房贷供款额超过月收入的30%,一旦薪资跟不上物价高涨速度,或有其他紧急开销,分分钟无力偿还贷款。

2.贪便宜买郊区屋

“郊区房子便宜啊!有高速大道,花长一点时间开车也无所谓!”

若你的工作地点或生活圈集中在市区,那很快你就后悔有上述想法了!单是每日来回上下班花费的时间、精神,再加上交通堵塞、过路费、汽油消耗等,真的累人。

3.周围没商圈

还是别想着过“世外高人”的日子吧!购屋时觉得附近没商圈没那么吵杂,很快你会发现没有商店、餐厅、银行、诊所等等,生活是多么的不方便呀!

4.住一辈子甭管升值

现在的你想着“这间屋子够我住一辈子了”,但10年后的你生活目标会否更换呢?当你想要小屋换大屋的时候,才发现10年来增值那么少,有时甚至还卖不出去,该怎么办?

5.不考虑学区

趁早规划总是好的,切勿到了孩子要上学了、找学校时,才惊觉家离开学校实在太远,后悔已经太迟。

6.不谈折扣

新发售的房产售价已定,少有折扣,但若买二手房,就要学会跟屋主讨价还价,能砍一点就省一点。而且最好还是买那种不需怎么再做装修的,直接可迁入居住,省时、省钱又实在。

7.买精修房

精修房,姑且不说价格贵,万一买了,不喜欢它的设计与装修,还要找人重新装修,费时费事,又浪费钱,千万要看好才下手呀!

8.不理会物业管理

若是围篱社区或公寓,买房时最好仔细检视一下,物业管理与保安是否完整妥善,以确保日后安居,也安心安乐,无后顾之忧。

电邮:

prop@eNanyang.my

地址:

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47301 Petaling Jaya,
Selangor Darul Ehsan, Malaysia

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      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。

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

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

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

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

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        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)