Categories贴士

卖屋套现,要缴多少税?

2022年05月27日

卖房能赚多少钱,
不是简单的“卖价 – 买价 = 盈利”方程式。

在决定卖房前,你必须要计算自己所付出的成本,还有卖房时需要支付的各种手续费、律师费,还有最重要的税金,才能真正评估你到底能赚多少钱。

那你懂如何计算税金吗?

执业律师刘健辉和方雪丽在《南洋商报》的“商法律”专栏中解释,根据1976年产业盈利税法令(Real Property Gain Tax Act 1976),只要房屋的卖价比你当初的买价还要高,税收局(LHDN)就会征收产业盈利税,(Real Property Gains Tax,简称RPGT)。

在2020年的财政预算案中,所有大马公民和永久居民在第六年或之后卖出自己的房地产,就可以豁免缴付RPGT。

打个比方说,你在2010年买的房地产,至今已经12年。即使有盈利,你也不必缴付RPGT。

但若你卖出的房子是在5年前的2018年买入,那所赚取的盈利就要缴付RPGT。

如果你是在第4年售出房地,税率是20%。在第5年则会被征收15%。如果想套取更多的现金,可以考虑行使每个人一生当中都有一次机会,可豁免出售私人住宅房屋时的RPGT。

当然,如果你出售房子时是“亏本卖”,或者是原价卖出,没有任何利润,那就不必缴纳RPGT。

但也提醒你,别试图蒙骗税收局,因为当局会深入调查你是否真的没有获得利润哦!

任何附带费用都可扣税

同时,在出售房地产过程中所产生的任何附带费用,都可以用来扣除所需缴付的RPGT,俗称可扣税费用(Allowable Expenses)。

这包括装修、扩建、提升,保养屋子等方面的花费以及律师费用。

税收局官员会审查你所提供的收据,计算与对其税务做出折扣。所以请记得一定得保留相关的收据以抵消部分的产业盈利税。

以上的计算方式是基于你当初是以个人名义以及为马来西亚公民身份所购买的房地产。

如果你是外国公民或者是以公司所购买的房地产,LHDN所征收的盈利百分比会有所不同,此时就得详细查阅征收的费用了!

 

Categories贴士

【租事顺利】一纸租约保平安

2022年04月6日

【租事顺利】系列1

别贪方便
一纸租约真的很重要!

收入受影响、景气不明朗…等等问题,把许多人的买房计划推迟,反而激励了租屋市场。

房地产仲介都感受到,租屋需求越来越殷切。

你是其中一位接到很多求租询问的业主吗?或者你目前正在物色适合的房子租用?

不管你是业主还是租客,千万别为了方便省事,就不签租用合约(Tenancy Agreement)。

因为,住宅出租市场目前基本上是没有法律规管,我国没有具体的法令规范业主和租户间的交易和关系,你和租客或业主之间最大的保障就是租用合约。

若屋主和租客发生纠纷,法律诉讼目前主要是依赖1950年合约法、1951年动产扣押法和1956年民事法作为指引。

为了保护屋主和租客双方利益,同时统一租用合约的模板,减少租用交易的各种争议,政府之前拟定的租屋法令(Residential Tenancy Act,简称RTA)草案。

但这项法案还在收集反馈,估计第三季才提呈国会,最快也要到明年才会生效。

租约一定要STAMP

尤其目前涉及的多方,对许多细节都有不同意见,是否顺利提呈还是未知数。

在这项新法令通过和生效前,最具体详列屋主和租客间的关係、责任、义务和权益,最主要是根据租用合约为基本。

担心遇到有理说不清的屋主或租客,最好还是坚持立定租用合约,保障自己的权益。

最最最重要,租用合约一定要送往内陆税收局(LHDN)盖印才算有效。

不管什么理由,只要合约没有税收局盖章,都没有法律约束力,你的屋主或租客可随时推翻裡头各种条款或协议。

以妨万一,建议连同合约副本也盖印,要付的印花税并不高,相对可能带来的后果和影响,这多一点点的功夫,就有双多保险,实在是太值得了!

Categories贴士

租金亏损只能当年抵税

2022年03月11日

【房东们,你懂怎么报税吗?】系列8(完)

出租却亏损,
不能带到隔年对扣!

经商收入蒙亏,可带到隔年来对扣税,出售房产若亏本,也可带到之后来抵销另一房产脱售的产业盈利税(RPGT)。

可是,可是,出租物业和以上两种情况不同,要是出租物业蒙受亏损,就是开销比租金收入高,相关亏损不能带到隔年对扣。

净租金收入 = 租金总额 – 政府允许的减免开销

税收局也允许租金收入蒙亏的话,可以直接不必呈报。

但为策安全,最好把相关开销或费用的收据都收好,方便税收局要查税时作为证据。

范例:假设房贷利息每月800令吉,租期12个月,期间主要开销还有地税、门牌税、维修费、火险保费和管理费。

净租金收入 = 租金总额 – 政府允许的减免开销
月租:RM1,200
合约租期:12个月
租金总收入 = RM1,200 X 12 = RM14,400

可减免开销:
地税:RM180
门牌税:RM300
房贷利息:RM800/月:RM9,600
管理费:RM200/月:RM2,400
火险:RM250
维修开销:RM3,270

净租金收入 = RM14,400–(RM180 + RM300 + RM9,600 + RM2,400 + RM250 + 3,270)
= RM14,400–RM16,000
= 亏损RM1,600

温馨提醒:

只有一间物业出租的业主,如果不幸像上面的业主那样,租金蒙受亏损,那在呈报个人所得税时就可省略这部份的呈报。

相关系列:

Categories贴士

减租,别忘了可以扣税!

2022年03月11日

【房东们,你懂怎么报税吗?】系列7

不是减租就能享有税务减免,
你要符合一些条件哦!

冠病疫情期间,你有出租商铺或工厂吗?2020至2021年间,你有减租和租客共赴时艰吗?

如果以上两者都有,这篇内容可能可以帮你多省一笔。

除了一般的减免,如果你去年给租用物业做生意的租户减租,今年呈报税务时,这笔租金收入(rental income)会有特别的减免,记得记得善用。

政府去年宣布,出租物业给符合资格的中小企业,2020年4月起至去年底,如果业主有响应政府减租共赴时艰的呼吁,就会有特别税务减免。

但是,前题是,业主有提供至少30%租金折扣。

2020年政府实施行动管控令(MCO),呼吁业主减租30%给租户,之后宣佈,业主提供的折扣,在呈报所得税时可享有同额的减免。

以下为大家梳理了一些常见问题:

Q:谁可以享有?
A:物业出租给中小企业的纳税人,包括个人、团体或企业

Q:哪类物业宜用?
A:商舖、档口、办公室、摊位等,一定是供经商用途。

Q:租给谁才符合享有减免?
A:必须是中小企业。根据政府的定义如下:

Q:减免额有多少?
A:根据租约至少减租30%,减租的相关数额,可享同额减免。

Q:如果减租折扣不一,还能享有减免?
A:只要符以其他条件 ,是可以的。但是,只有减租达到30%的部份才能减免,例如有2个月只减租20%,那2个月的减租就不能用来减免。

Q:需要预先申请?
A:不用申请,直接在报税表内呈报即可。

Q:如何计算同额扣税?
A:减租的款额从应课税收入扣除,算出净租金收入。并非直接从要缴的税金减出。

温馨提醒:

这特别优惠同额减免,是从总租金收入减出来才算税金,不是直接同额拿去扣税。减租没有扣到30%的月份,记得先扣出不能减免的部份才呈报。

相关系列:

Categories贴士

多物业出租全要报税?

2022年03月11日

【房东们,你懂怎么报税吗?】系列6

如果你名下有多家房子,
全都租出去,该怎么计算税务?

如果业主是一位受薪族,自己有超过一间物业出租,所有出租物业的净收入都要呈报。

因为报税表中没有要求详列各房地的资料,那在呈报个人所得税时,就要把所有的租金收入统合一起计算。

把各净赚数额相迭加起来,呈报一个总的净租金收入,再根据个人的税率来缴税;假如出租多项物业,各有赚有亏,所蒙受的亏损可直接相互抵消,只报净额。

另一个比较复杂但不草率处理的情况,就是有独资也有联名的物业收租,那在迭加净赚幅时,联名物业的部份记得要先减半再相加起来。

以下设假的不同场景供大家参考:

个案1

你有2间独资的物业出租,扣除可减免的开销后,排屋全年赚(净租金收入)4000令吉,而公寓全年小赚2000令吉。

排屋净赚:RM4,000
公寓净赚:RM2,000
应课税收入= RM4,000 + RM2,000 = RM6,000

个案2

假设你共有3间房产出租,组屋和排屋全年各赚(净租金收入)4000令吉,而公寓全年反而小亏2000令吉。

组屋净赚:RM4,000
排屋净赚:RM4,000
公寓净亏:RM2,000
应课税收入= RM4,000 + RM4,000 – RM2,000 = RM6,000

个案3

假设你有2间独资公寓出租,扣除可减免的开销后,全年各赚(净租金收入)5000令吉;另有一间和弟弟联名的排屋收租,一年下来净赚6000令吉。

2间公寓净赚:RM10,000
联名排屋净赚:RM6,000
应课税收入= RM10,000 + (RM6,000 X 0.5)
= RM10,000 + RM3,000
= RM13,000

个案4

你有2间独资的物业出租,排屋全年净赚(已扣可减免项目的净租金收入)4000令吉,而公寓全年小亏2000令吉;另一间和弟弟联名的公寓赚6000令吉。

排屋净赚:RM4,000
公寓净亏:RM2,000
联名公寓净赚:RM6,000 x 0.5
应课税收入= RM4,000 – RM2,000 + (RM6,000 X 0.5)
= RM2,000 + RM3,000
= RM5,000

温馨提醒:

出租超过一间房产,呈报净租金收入可以直接迭加起来,如果当中有亏损可直接抵销,联名物业则记得依业权计算自己可享有的租金收入。

相关系列:

Categories贴士

联名房产放租如何报税?

2022年03月10日

【房东们,你懂怎么报税吗?】系列5

联名买房再出租,
所有业主都得报税!

很多人会和配偶、亲人甚至是朋友,合资联名投资房地产,尤其是房地产行情看俏时。

例如2013至2016年间,国内房市高速增长,房价强势攀升,很多人会和不同的亲友联名买房,手上有两、三间联名房子是常有的事。

房地产长线趋升,是许多长线投资者的心头好,但地产增值并非一时三刻的事,一般三五年免不了。

所以物业买了进来,总不能一直待著,在等待房价增值之际,先将这些物业放租,赚取一些被动收入,让租户来帮忙供房,数年后等物业涨价后再转售赚利。

联名物业出租,租金根据各人持有的业权分配,那么报税又要如何安排或处理?

根据所持业权分配

既然租金分配是根据业权比重,租金收入报税时也必须依照所持业权来分配该报的比例。

比如你和妹妹联名买房再出租,从头期到供款,从收租到各种开销,都是以5比5的方式安排,即各持一半业权。

假设一年的租金收入是2万令吉,扣除各种可减免的开销和费用,净租金收入是1万令吉。

也就是说需缴税的款额以1万令吉为基础,以两人各佔一半业权,每人在呈报所得税时即要各呈报5000令吉租金收入。

应报税租金收入 = 净租金收入 X 业权比重

范例:租金收入2万令吉,扣除可减免的开销,净租金收入是1万令吉。2人联名,各佔50% 业权。

应报税租金收入 = RM10,000 X 0.5 = RM5,000

温馨提醒:
呈报租金收入,如果是2人联名的房产,各人可呈报一半净租金收入,而不是报总额。

相关系列:

Categories贴士

租房屋 非所有开支都能扣税!

2022年03月9日

【房东们,你懂怎么报税吗?】系列4

别自作聪明,
有些开支不能扣税!

上篇提到,需要付税的租金收入(Rental Income),不是依据总收入来计算,出租期间涉及的开销可减免。

以租金总额扣除可减免开销后的净租金收入(Net Rental Income),才是需要被征税的租金收入。

没有扣减免就用总租金收入来付税固然不够精明,平白多付了税金。

但大家也不可自作聪明,全部开销统统都呈报来减免,希望降低应缴的税金。

税法有清楚阐明,一些开销即使是涉及出租物业,或为增加物业吸引租客的开销,并非政府允许的减免项目,那就不能用来抵扣。

税收法列明,物业准备第一次出租前涉及的第一次费用,例如招租或出租前的宣传开销,均不能减免。

以下是比较具体的不获减免出租开销:
• 招徕第一位租户的广告费
• 第一次出租物业的中介费
• 首份租约的律师费与印花税
• 为增加租金的第一次装修费

温馨提醒:
涉及为第一次出租物业做准备的开销,从房仲费、招租宣传、租约律师费和装修,都不能减免,别自作聪明一起呈报抵税。

相关系列:

 

Categories贴士

火险房贷利息,皆可扣税

2022年03月8日

【房东们,你懂怎么报税吗?】系列3

收入得报税,
开支也可扣税。

有租金收又有呈报租金收入的业主们,你们都如何为租金收入报税?

大家是否知道,呈报租金收入,与个人和公司所得税一样,有不少开销可用来减免?

政府是依据净租金来征税,跟租户收到的租金,可先扣除政府允许的可减免开销,算出的馀额就是净租金收入(Net Rental Income),才需要课税。

所以大家要记得咯,需课税的在法定租金收入(Statutory income from rents)不是依据总收入来计算,如果你之前没有扣出房子的火险保费、房贷利息等,那就白白多付税了。

根据内陆税收局的资料,出租相关房地期间涉及的开销,都属可减免开销,但招租或出租前的开销则不可以减免。

租金收入可减免的开销包括:
• 地方政府税金:缴付给地方政府的地税(Cukai Tanah或Quit Rent),以及门牌税(Cukai Pintu Assessment Tax)
• 房产保费,如火险、水险或盗窃险等
• 付给银行的房产贷款利息
• 出租期间的费用,如委任律师行或代理追讨欠租
• 维护、维修房产,如漏水或虫害
• 物业服务、维修和排污费
• 收租开销;如外委经纪收租
• 更新租约开销,包括印花税
• 追租涉及的律师费

净租金收入 = 租金总额 – 政府允许的减免开销

假设已还清房贷的单层排屋,出租12个月,期间主要开销只有地税、门牌税和维修费。

下面范例让大家更清楚如何计算净租金收入:
月租:RM1,500
合约租期:12个月
租金总收入 = RM1,500 X 12 = RM18,000

可减免开销:
地税:RM120
门牌税:RM460
维修开销:RM2,420

净租金收入 = RM18,000 –(RM120 + RM460 + RM2,420)
= RM18,000–RM3,000
= RM15,000
总结:RM15,000依据个人税率,计算出要付的税金。

温馨提醒:
租金要付税,但可先扣除政府允许的减免,包括房贷利息、物业保费和维修费等,如果用全额租金来付税就亏大了。

相关系列:

 

Categories贴士

收租是经商收入?

2022年03月5日

【房东们,你懂怎么报税吗?】系列2

出租房屋,
算不算做生意啊?

法定上,收租金和薪金、佣金或经商回酬一样,都是可征税收入(Taxable Income)的一种。

凡出租房地产、工厂或商店内的机器、甚至是房子裡头的家电和家俬,只要是一併出租的东西,所收的回报都是租金,都得报税。

一般人报税,纯受薪者会填报BE估税表,有经商收入(Business Income)者填B表。那么,租金收入(Rental Income),算是经商收入还是…?

内陆税收局对租金收入是否定义为经商收入,基本是以频密度、依赖度、数量和提供的专业服务等因素来评估。

例如打工族有间房子出租,这租金是额外的被动收入,纳税人可维持依据1967年所得税法令的第4(d)条款,在填报BE表时一併呈报就得。

如果一位业主有4间或以上的住宅、店舖或工厂等物业出租,还有一套管理模式,或有僱人来帮忙收租金和打理。

虽然同样是收租,但因为放租的房产数量多,足以作为一个人的主要收入来源,这笔租金就会依经商收入来定义,需要依所得税法令的第4(a)条款来申报。

出租超过4间算经商

简单来区别,如果所收的租金只是被动收入,业主都是自己管理出租的单位,也没有提供其他特别的专业设施或维修服务,就算是纯粹的租金收入。

要是业主出租超过4间物业,还有为租户提供设施、管理、维修和支援服务赚取的租金收入,基本可定调为经商收入。

如果业主还有一支负责管理的专业队伍,有为租户提供如冷气、热水、电梯、电扶梯、康乐设施、卫生间和相关的保养或维修,又或提供保安、空间绿化、清洁、照光等,这租金收入肯定就会界定为经商收入。

检视一下你目前出租物业的方式,自己评估一下算不算经商收入吧!

温馨提醒:
单纯自己出租一、两间物业收租,自是被动收入;出租4间以上物业,有团队和系统管理,还提供专业服务,那就算是经商收入。

相关系列:

 

Categories贴士

有收租,税收局一键就知道!

2022年03月4日

【房东们,你懂怎么报税吗?】系列1

你知道什么是
“凡走过必留下痕迹”吗?

进入3月,又是报税旺季,内陆税收局开始宣导纳税是国民责任的讯息。

手上有房地产出租的业主,是不是还在犹豫租金收入要不要报税?

答案:当,然,要。

1967年所得税法(Income Tax Act 1967)阐明,所有收入都要报税,包括经商收入、兼职直销或保险拿到的佣金和奖励金,统统都要报,租金收入也是其一。

纯受薪纳税人填报BE估税表,有经商收入者填B表。这裡指的纳税人,包括外籍人士。

只要在我国境内超过182天就是税民,都有报税的义务。

很多人以为,租金收入不用付税,又或者以为这是资本回酬或投资回报。

自己诠释法令是很危险的,因为税法第113条文写得很清楚,任何人不呈报收入或只呈报一部份收入,又或者提供不实资料,意图减少付税,就是不实报税。

简单来说,规避呈报租金收入,可被定义为逃税;漏报或完全不报租金收入,就会抵触税法。

不要以为房地产出租,政府不会知道,不报租金收入也是神不知鬼不觉;每年很多人因为不报或漏报租金收入,被查出可罚款。

转账交易有迹可循

自2017年起,有交到政府盖章付印花税的租约,相关资料全都和税收局系统连线,税收局一个键就查得出来。

而且,现在业主一般不会自己去收租,租客都是直接把租金汇进业主银行户头。

万一税收局查起税来,你还得好好解释这每个月固定汇进来的钱的来历,一样很难自圆其说。

自以为可以逃过法眼,抱著侥倖心态,最终可能得不偿失。

温馨提醒:

别再天真的以为租金收入无迹可循,只要有和租户正式签约,并有送往盖章的租约,税收局一查就知道。

 

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    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

      免责声明

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        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。

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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)