Categories推荐 趋势

多伦多房价惨跌5个月

2022年08月9日

连续几个月跌势,
加拿大房市撑得住吗?

近几个月,加拿大房价跌势加速,从4月以来房价总跌幅已经达到13.3%,是自2005年追踪该指标以来,跌幅最大的4个月表现。

而加拿大的大多伦多地区房价,也已经连续下跌5个月。

华尔街见闻报道,根据多伦多地区房地产委员会,7月跌至107万加元(约368.72万令吉),按月跌6.2%,若是和2月时的峰值比较,已经跌了19.5%。

同时在7月,多伦多的房屋销量按年跌47%,新房源按月少了2.7%。

总部位于多伦多的经纪公司Property.ca的销售副总裁布兰多科宛斯认为,市场如今已经向有利于买家的方向发展,预计随着加拿大银行提高利率以帮助减缓通胀,房价将继续下降。

多伦多地区住房需求放缓,房价连续下跌5个月。

加拿大央行从3月开始积极升息,以控制40年来最高的通胀率,房价也从当时开始“逆转”,市场认为房市的痛苦才刚刚开始。

另一份报告显示,加拿大最昂贵的市场温哥华也出现了类似的趋势,7月份的房屋销售量按月下跌,迫使基准房价下降2.3%至120万加元(约413.52令吉)。

Categories趋势

美国房贷利率 半年涨近3%

2022年06月17日

想要借贷买房的美国人,
你们还好吗……

美国通胀创40年新高,让心急如焚的美联储,下定决心展开更激进的升息步伐。

这也连带推高了美国抵押贷款利率,尤其是房贷利率,在短短半年内已经升接近300个基点,从今年初的3.25%上升到最新的6.13%!

月供款增40%

根据华尔街见闻报道,这也是2008年美国房地产大崩盘以来,最高的利率水平。

粗略计算,如果一个购房者现在申请35万美元(约154.68万令吉)的抵押贷款,未来30年每月需要支付的房贷,将从1523美元(约6731令吉),上涨到2128美元(约9405令吉),短短半年内这一数据大幅飙升了40%。

美国30年期固定抵押贷款的平均利率为3.25%,而目前已飙升至6.13%,

难以负担 不再买房

随着抵押贷款还款额越来越难负担,冲击了购房者的信心,抵押贷款申请已经开始大幅减少。

MBA经济学家乔尔·坎接受访问时说:“过去两个月,房屋库存持续低迷,抵押贷款利率飙升,导致购房市场受到影响。这些日益恶化的负担能力挑战对潜在的首次购房者来说尤其艰难。”

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Categories趋势

投资房产,胜于定存!

2022年06月16日

想投资生财?
你会选择定存还是房子?

面对百物高涨,通胀越来越高,马星集团营销与销售部高级总经理曾永康认为,与其把现金放入利率相对较低的定期存款,不如用来买房子。

他日前2022年金鹰奖新山站巡回讲座会上分享,如今存一笔1万令吉定期存款,利率为1.5%,存款者可取得150令吉。

但今年大马平均通胀率已达3.2%,面对粮食价格飙升、疫情期间实施各类行动管控令,许多企业倒闭和海运价格狂飙的夹攻,估计马币会越来越贬值。

他在以“通货膨胀,投资藏诀窍”为题的讲座上指出,1997年在吉隆坡区享用一碟鸡饭售价3令吉,今年吉隆坡一碟鸡饭价格已来到9令吉,25年来国内通胀增长了300%。

曾永康认为比起现金放入定存,不如投资房产。

善用银行房贷配套

在这样低利率不足抵消通胀速度的情况,他认为倒不如善用银行提供的房贷配套来买房子,并谨慎规划财务状况。

他也谈到,俄乌冲突推高国际原油价格突破每桶100美元大关,并引发粮食危机,建筑材料也持续涨价。

“从2020年至今,建筑材料价格已涨价33%,钢铁玻璃和金属等原料上涨,国内面对严重劳工短缺问题,尤其是疫情前,建筑业外劳工友日薪80令吉,如今日薪创新高可达120至180令吉。”

4年赚30万元

考虑到目前经济走势普遍看淡,他认为此刻是购买房产单位的机会,因为投资房子有五大好处,包括保值、双倍回酬、可善用杠杆房市、被动收入,也是一种投资保障。

以曾永康自身的经验,他曾经在2008年金融危机、众人抛售房产时入场,当时购入一套45万令吉的公寓,月租3500令吉给日籍房客;2012年时,他成功以75万令吉脱手,赚了30万令吉。

2009年至2021年国内平均房地产价格涨幅从20万令吉涨至45万令吉。

“过去20年每年平均房价涨幅,雪兰莪4.8%、吉隆坡5.6%、槟城3.2%及柔佛4.8%。”

他建议民众多去了解银行推出的房贷配套,以最低支出拥屋。

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Categories趋势

升息不会冲击大马房市

2022年05月20日

升息,
一定会重击房市吗?

在其他国家,可能会!但在大马,其实还好!

这是来自于居外IQI控股集团联合创办人兼总执行长卡西夫的自信,这是因为我国的通胀其实还处于可控范围。

卡西夫

他在一份声明中指出,即使在冠病疫情最严重的时候,国行一直也采取非常谨慎的方式来支撑经济。

在全球许多地方,都因为大宗商品价格飙涨而承受着严重的通胀,但马来西亚的情况没那么‘猖獗’,主要是政府还提供着燃油补贴。

他预计我国今年的整体通胀处于2.2至3.2%之间,是可控的范围,就业市场和商业活动依然还有显著增长的机会。

经济反弹 不需低利率

国家银行(BNM)日前宣布将隔夜政策利率上调25个基点,从1.75%上调至2%。

卡西夫还说,在经历了2004至2020年之间发生的全球金融危机后,马来西亚在8个季度中仅将利率下调2%。这意味着,过去两年的1.75%利率,可说是极低的水平。

“升息并不会对房地产市场带来风险,而是反映了经济反弹,国行认为不再需要超低利率来支持国家经济。

他预期,随着经济、家庭收入和就业率增长,将会带动今明两年的房市表现。

Categories趋势

为了买房,美国人拼了!

2022年05月13日

没有住上Dream House也无所谓,
最重要是买到房子!

虽然房贷利率和通胀飙升,但美国人买房的热情丝毫未减。

新浪财经报道,根据美国银行的一份研究报告,美国房地产市场中有三分之二的买家表示,愿意立即或在看房后的3天内提出报价,想要尽快达成协议,避免抵押贷款融资成本日后继续上升。

只要能完成交易,超过70%的购屋者愿意在不太理想的社区,选择空间较小的房子。

而面对高企的房价,有56%受访者考虑兼职赚取额外收入,来实现拥屋梦。

贷款申请持续提高

美国抵押贷款利率已经达到10年多来的最高水平,30年期固定利率抵押贷款的平均利率达到5.27%,相比两周前的水平进一步飙升,高于一年前的2.96%。

不仅如此,新抵押贷款申请也不跌反增。贷款机构和房地产商都表示,购房者愿意将更多收入用于贷款支付,这支撑了房价,而利率上升正在侵蚀人们的负担能力。

全美房地产经纪商协会报告显示,首季全美单户成屋价格中位数为36.82万美元(约161.33万令吉),按年增长15.7%。

Categories趋势

纽西兰央行:房价将大跌

2022年05月12日

升息时代,
房价止涨转跌?

纽西兰中央银行指出,将通过大幅提高借贷成本来应对通胀,因此该国房价可能会大幅下跌。

根据华尔街见闻的报道,该央行在最新发布的《半年度金融稳定报告》中指出,虽然近期房价开始下跌,但依然高于可持续水平,所以房价“大幅修正”,是一个“合理的结果”。

纽西兰央行是从去年10月开始启动紧缩周期,房价随后时开始回落。

这两年疫情期间,全球多个国家的房市都异常火爆,纽西兰就是其中之一,房价在两年内上涨了48%,在去年11月达到峰值后,目前已经回落了4%。

目前为止,房价的回落幅度都是渐进步伐,但若央行加大对抗通胀的力度,相信跌势会变得更加剧烈。

贷款人负担增大

上个月,该央行将官方现金利率上调0.5个百分点至1.5%,并表示希望迅速将其提升至2%左右的中性水平。

“与其他国家的利率变动相比,纽西兰利率的上升幅度很大,是过去20年里幅度最大的加息之一。随着目前的固定利率抵押贷款在未来一年重新定价,偿债成本将大幅增加。一些近期抵押贷款借款人可能会面临偿还债务的困难。”

不过,报告中也指出,房地产市场对金融系统的整体威胁是“有限的”。因为在疫情期间,银行将测试利率保持在6%,仍然高于当前的抵押贷款利率,这可作为一个缓冲,确保债务偿还能力持续。

相关新闻:

 

Categories趋势

房产投资客,要出手了……

2022年03月15日

如果名下已有房产的你,
1年内打算再买房吗?

如果你的答案是“会”,那你和53%的屋主同样想法!

PropertyGuru Malaysia最新的2022年上半年消费者情绪调查报告结果显示,有53%的屋主打算在保留目前房产同时,1年内再购入另一间房产,当作投资,以对抗通货膨胀。

根据大马统计局的数据,我国2020年录得1.2%的通货紧缩后,去年却快速通胀2.5%。

PropertyGuru Malaysia区域经理Shylendra Nathan在文告中指出,随着经济逐渐从冠病疫情中复苏,大马人如今将焦点转向通胀,并青睐更具抗通胀特质的房产投资,因为股票投资的不确定性更高。

调查还发现,55%的受访者预计房价将在疫情结束后上涨,再加上目前利率仍处于低档,该公司预期更多有经济能力的人士,会投资于房地产市场。

相关新闻:

 

Categories趋势

元宇宙炒房 也要警惕通胀?

2022年01月25日

虚拟资产也会通货膨胀?

元宇宙,绝对是2011年底乃至2022年最热门的话题之一,从游戏到社交、从工业生产、房地产,甚至是军事领域,都已有“元宇宙”的概念入侵。

虽然元宇宙还未成熟,但这些“看不到、摸不着”的资产,却获得全球多人相继热捧,在虚拟世界里有房产炒到好几百、几千万,还已经开始了一条完整的虚拟房地产交易链。

《第一财经》报道,在元宇宙中,已经出现估价师、房产服务商回收或待售房产,有人每天发布大盘趋势,甚至还有广告商开始招租。

虚拟房产的“炒风“盛行,而清华大学新闻学院新媒体研究中心执行主任沈阳提醒,必须警惕虚拟资产的通胀风险。

平台掌控价格走势

他解释,虚拟房产的价格取决于元宇宙平台本身的流量、玩家的消费意愿,还有运营平台的“规则”。在这个未被监管的世界,分分钟房价会一夜归零,或由平台主导着房价走势。

如果平台具有极强的掌控力时,最终可能会引发虚拟资产的通胀。

他举例,就像玩游戏时,一开始很难获得一件特殊装备,但当玩家对游戏感到极度疲累时,平台就会释放大量同款装备。同理,在元宇宙平台,如果没有合约协议,平台也有可能这样操作。

“在虚拟世界炒作虚拟物品是需要警惕高风险的。凡是需要支付资金的东西,一定要斟酌再三。”

“伪元宇宙概念股”泡沫

沈阳也担心,如今股市正在热捧“元宇宙概念股”,但有些公司并没有核心集数,也没有相关产品研发历史,很可能会一败涂地,估计明年股市会有一批“伪元宇宙概念股”泡沫破灭。

沈阳和团队撰写的《2020-2021年元宇宙发展研究报告》,列出了元宇宙目前面临的十大风险:资本操纵、舆论泡沫、伦理制约、垄断张力、产业内卷、算力压力、经济风险、沉迷风险、隐私风险和知识产权。

他认为必须要强化对元宇宙公共治理政策的研究,也要监管虚拟资产操作。总之,要走向成熟的元宇宙世界,还有一段很长的过程……

 

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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)