Categories趋势

发展商看上蒂蒂旺莎公园

2021年11月9日

先发制人,
后发制于人。

消息指出,临近隆市中心、发展总值可达数十亿令吉的一片政府地,成为多方争夺的目标。

《TheEdge周刊》引述消息人士报道,这片200亩的政府土地,是从蒂蒂旺莎湖滨公园直到Jalan Sultan Yahya Petra的大马皇家警察训练中心,土地上建有蒂蒂旺莎高尔夫俱乐部PDRM。

这项建议仍在初步阶段,政府还未决定是否通过竞标来获得各方提案,又或通过换地方式,来搬迁现有设施。

消息人士指出:“迄今,我们所知道的,是政府收集了数份提案……但这确实是一块有前景的土地。”

成功机构马资源列名

消息人士补充,唯一问题是这片土地上建了数座建筑物;而土地持有者,是联邦土地委员会。

另一消息人士透露,鉴于高球场很可能被开发,部分发展商已向武吉阿曼全国警察总部高层打招呼。

据说,争夺土地行列者中,包括数位企业界重量级人物,如本地殷商丹斯里赛莫达持有的Tradewinds企业、成功机构主席丹斯里陈志远,及背后是雇员公积金局(EPF)的马资源等。

当中,陈志远可谓是最积极的一员,惟他的提案详情未知。

Categories趋势

900尺竟能5房4浴?

2021年05月9日

报道:张永麒

一间900平方尺的公寓,间隔出5房间4浴室的空间,可能吗?

陈志远:可负担房屋供不应求,但放宽房贷是B40和首购族一圆拥屋梦想的关键。

该基金会也与陈志远旗下的本地上市公司成功置地(BJLAND,4219,主板消费股)合作,配合这项举措设计了一个展示公寓,即一个单位面积900平方尺,5房4浴室的示范屋。另外,还有一间备有双钥匙,面积900平方尺的展示单位。

陈志远4月30日于“让马来西亚更美好”基金会推行B40家庭真正可负担房屋社会计划推介礼上指出,“让马来西亚更美好”基金会(前称为陈志远基金会)已向政府提出这个可负担房屋计划,等待政府的批准。

影片来源:BMF提供

该计划包括建议在巴生谷一带建造面积由450、600及900平方尺起跳的公寓,其售价设在12万令吉至30万令吉之间。

根据目前的市场行情,在巴生谷,特别是吉隆坡郊区,一间建筑面积800平方尺3房2浴室的公寓,其价格从40万令吉起跳,这对要实现居者有其屋梦想的B40家庭来说,仍是可望不可及。

面积仅900平方尺的公寓,若妥善的运用空间和选用家具,可拥有相当舒适的居住与生活空间。

需拆叠式家具配搭

根据《南洋商报》记者实地采访,900平方尺的展示厅,确是建了5房4浴室,若要善用空间,就非有良好的拆叠式家具配搭不可。

据记者观察,展示厅的设计和摆设,经过良好的运用空间和家具的妥当选用,其可用空间还是相当舒适的。

如果此计划成功推行,对B40家庭而言,是一个天大的喜讯。

例如,使用可收纳的家具,把杂物收纳起来;或者,可折叠的家具,在没有使用时,可以收纳起来,就能释放和腾出更多的空间。

另外,还有一间备有双钥匙面积900平方尺的展示单位;拥有此单位者可轻易地把空房向外出租,以便增加额外收入。

公众人士可通过预约,在吉隆坡成功时代广场预览此单位。

再里尔看了展示屋才相信

900平方尺5房4浴室,即使是走马上任不久的成功机构(BJCORP,3395,主板工业股)总执行长再里尔自己初时也不相信,直到他看到展示厅之后,才相信这个点子是可行的。

再里尔在看了展示屋后,也对5房间4浴室的设计和呈现感到满意,并认为,适当的室内设计以及家具搭配是关键。

他在推特上贴文说:“我们要展示的是,通过良好的设计,是可以在一间900平方尺公寓里住进一家有4个孩子的家庭,每人有自己的房间和空间,而且还可以调整。”

再里尔在推特对网民针对此项目提出的质疑和疑问作出回答和解释时说,起初也是对此间隔感到怀疑,直至看了示范屋才相信。

再里尔说,在家具搭配上,该公司也有提供适当的家具给每个家庭,以便房子会有足够的空间。我们也会考虑屋主如何支付。

建议政府担保两代人还贷

陈志远建议,政府为B40群体提供贷款担保,银行则提供两代人,即40至60年的还款期,以让他们可以拥有自己的房屋。

他提出为期40至60年之间的“跨两代”贷款建议,即将贷款还款期限扩展到跨两个家庭世代,以确保每月还款额具可负担性及可管理性,并让贷款者仍有足够的可支配收入,维持家庭良好生活水平。

“可负担性是一个关键问题,因为如果没有某种形式的经济援助,大多数的B40家庭将无法购置房屋。据我了解,每推出1000个可负担房屋单位,就有1万至6万名申请者竞相订购,目前的现状的确供不应求。

“此事唯有在政府的鼎力支持下才可实现,这包括针对可负担房屋发展项目收取较低的土地溢价和象征性的发展收费。”

他说,作为此项举措的主要合作伙伴,中央和州政府能以低价出售开发用地于发展商,以发展可负担房屋项目,特别是临近交通枢纽的城市地区,这将有助于转化为低收入户可负担得起的房屋售价。

60%贷款信用等级偏低被拒

陈志远说,据了解,多达60%的可负担房屋买家贷款申请,基于借贷人年龄和信用等级偏低,被银行和金融机构拒绝。

他说,许多B40群体的首购族皆无法支付头期付款,而无法一圆拥屋的梦想。如果银行或金融机构提供100%的房贷便利,便可解决此问题。

陈志远指出,如果一间900平方尺公寓的租金是800令吉,租客在付了租金后,却不能拥有房子。

“如果有贷款配套,以100%及60年期限的30万令吉贷款,购买一间面积900平方尺总价值30万令吉的房产,借贷者只需每月付款899令吉,对于一名B40购屋者是相对可应付的。”

提供100%房贷便利

陈志远说,银行和金融机构也应扮演其重要角色,即向B40群体的首购族提供100%的房贷便利。

“根据我们的调查,国内多家银行包括马银行、联昌银行、兴业银行、华侨银行、马建屋(MBSB)、人民银行、大马银行和艾芬银行已向月入介于2000至3000令吉的购屋者提供100%房贷便利。

“政府对此项举措的支持,将使银行界更加有信心地向B40群体的购屋者提供贷款便利。”

召集专业人士设“智囊团”

“让马来西亚更美好”基金会过去两年中召集了志同道合的专业人士加入这个新的社会企业计划,并成立了一个“智囊团”协助制定创新和永续的解决方案,以解决B40家庭所面临的负担能力缺口。

根据国家产业资讯中心(NAPIC)2020年次季统计显示,我国房产价位平均为29万5000令吉,而平均家庭总收入为5873令吉。

然而,评估显示,21万1000令吉及以下的房价才是此收入家庭能负担的范围 。

由此可见,大多数发展商所建造的房屋,对一般国人来说是遥不可及。


调查私企1700员工

陈志远说,“让马来西亚更美好”基金会还对一家私人企业的1700名员工进行了调查。 这些员工均属B40群体,即家庭每月总收入低于5000令吉。

这项调查着重在B40员工为租房或租屋所支付的租金。

“根据调查,我们确定,在雪隆区,这些B40员工每月平均缴交900令吉的房屋租金。”

根据上述例子,可见每月所支付的900令吉租金,是足以让这些员工支付贷款总额30万令吉(100%贷款),供期长达60年,每月还贷额899令吉的房贷。

“由此可见,其中关键要点是将每月租金转换成每月房贷,以便B40人士购买属于自己的房屋。

“因此,为期40至60年期限的100%贷款,可便于每月房贷的可负担性,而跨两世代的贷款期限将避免贷款者的收入总额度,成为批准贷款的阻碍。”

Categories趋势

提供购屋者两代人还贷期

2021年05月8日

“让马来西亚更美好”基金会创办人兼主席丹斯里陈志远建议,银行提供购屋者两代人还贷期,即40至60年的还款期,以便让他们可以拥有自己的房屋。

据他了解,多达60%的可负担房屋买家因借贷人年龄和低信用等级,被银行和金融机构拒绝贷款申请。

他早前宣布“让马来西亚更美好”基金会推行B40家庭真正可负担房屋社会计划后,在记者会如是指出。

他指出,许多B40群体的首购族皆无法支付往常的头期款,银行和金融机构可以通过100%房贷便利解决此问题。

“因此我建议银行提供两代人还贷期以确保贷款者仍有足够的可支配收入维持家庭良好的生活水平。”

他说,虽然银行会有负面的反应,但是,根据其私人公司SINGER小额贷款的经验,低收入群体会偿还贷款。反而借贷巨额贷款者才应该担心。”


陈志远点出,可负担性是一个关键问题,如果没有某种形式的经济援助,大多数的B40家庭都没能力无法购置房屋。

“据我了解,每推出1000个可负担房屋单位,就有1万至6万名申请者竞相订购,造成供不应求的局面。”

根据国家房地产信息中心(NAPIC)2020年次季度统计显示,我国房产价位均为29万5000令吉而平均家庭总收入为5873令吉。

然而,评估显示,家庭能负担的房屋范围是21万1000令吉及以下的房屋 。由此可见,大多数发展商所建造的房屋对一般国人来说是遥不可及。

 

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

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

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    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.

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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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        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。

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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.

        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)