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趋势

高档公寓供应增 压低房价?

2022年04月29日

去年两年频停工,
造成大量公寓在今年建成。

国内公寓的资本价值和滞销情况,恐怕会在今年面对更大的压力。

仲量联行房地产服务(马)私人有限公司(JLL Property Services)的研究员兼顾问苏伊娃(译音)指出,过去两年因防控封锁因素,促使高档高楼住宅延迟到今年完工。

“今年预计将有更多单位建成,供应涌入市场,进一步对资本价值带来更大的压力。”

根据《太阳报》报道,她在该公司举办的“2022年首季房产市场展望”线上研讨会上指出,供应大增的情况,也可能造成滞销率上涨,市场需要几年才能消化。

在今年首季,高档高楼住宅的资本价值为每平方尺953令吉,而平均月租叫价为每平方尺2.95令吉。

根据仲量联行的《2022年首季大吉隆坡房地产市场报告》,住宅产业的资本价值增幅,按季减少2.5%,平均租金也按季减少2.3%。

新房和二手市场供应皆增

此外,市场回报率为3.02%,显著低于其他的资产组别。

而大吉隆坡地区的高档高楼住宅的库存为5.1万间,整体未售率处于3.55%,还算是舒适的水平。

苏伊娃指出,由于拥屋计划(HOC)、延长还贷期等振兴配套结束,造成市场需求也跟着下跌。但她也强调,这些优惠政策对高档住宅来说,仅是短期影响。

“反而是产业盈利税(RPGT)调整后,更多业主想要出售手上的房屋。当新房和二手屋市场的供应都增加时,资本价值今年可能会被压缩。”

不过她也认为,当前利率仍处于1.75%的低位,依旧能鼓励投资者回归市场。

 

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

欠RPGT 不能出国!

2022年02月25日

【你懂RPGT吗?】系列8(完)

出国前,不仅要准备好行李,
还要检查自己是否欠税。

因为冠病疫情而无法出国旅游两年的你,是否开始蠢蠢欲动?

越来越多国家开放边境欢迎游客,我国也即将加入此行列,你今年是否准备出国呢?

那你一定得好好检查自己是否欠税,否则可是会被挡在机场哦!

内路税收局(LHDN)发文告提醒,所有拖欠税务者,都会被禁止出境。

除了个人所得税,没缴产业盈利税(RPGT)的“下场”也一样!

有关出国禁令的通知,将寄发至纳税人提供予当局的最后一个地址。

要如何检查自己是否拖欠税务,可以上https://mytax.hasil.gov.my网站查询;关于限制出国的状况,也可以查询移民局网站https://sspi.imi.gov.my/sspi

若是纳税人因拖欠税务而被禁止出国,当局建议当事者与该局各分行联系,以便当局采取适当的行动。

任何问题和反馈,也可以通过以下方式与当局联系:

  1. a) Care Line 热线:03-8911 1000 / 603-8911 1100(海外);
  2. b) HASiL 在线咨询;
  3. c) HASiL 官网:https://maklumbalaspelanggan.hasil.gov.my/MaklumBalas/ms-my

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房大赚 也可不付RPGT
卖房亏损还要付RPGT?
装修费可扣RPGT?
卖房60天须报RPGT

Categories贴士

卖房60天须报RPGT

2022年02月25日

【你懂RPGT吗?】系列7

开车中罚单,等等或许有折扣,
但产业盈利税,你可别等赶紧给!

产业盈利税(简称RPGT或CHKT)算是资本利得税的一种,同样是由内陆税收局(LHDN)征收。

特别提醒,呈报和缴税RPGT,与一般呈报个人或公司所得税不同;脱售房产当年,RPGT必须在同年申报和缴清税金,而不是到下个估税年才处理。

还有哦,政府规定,买卖合约一签,60天内就要呈报和缴付,逾期会被罚款!

而且,这类资本利得税的罚款,税收局一般不手软。

房地产买卖,不管有没有用经纪,整宗交易必会用到律师的专业服务;除了交易前的审核、拟买卖合约到缴印花税等等,也可以由律师代为提交RPGT申报表。

律师楼在处理房产交易时,会保留售价的3%,在60天内交到税收局,若金额超出要缴的税金,税收局之后安排退税。

罚款税金10%

当然,比较喜欢亲力亲为的业主,也可以自己到税收局索取相关表格来自己申报。

如果你打算自己申报,务必确保填妥以下1976年产业盈利税法令列明的相关表格,并在指定时间内提交给税收局:

  • 一般申报填CKHT 1A;如果是只卖部份业权填CKHT 1B
  • 申请豁免RPGT,加填CKHT 3
  • 让买方填写CKHT 2A

不管自己处理还是律师楼代办,脱售房产60天内,必须向税收局呈报RPGT和呈交相关表格和文件。

逾期的话就是违法,可遭罚款税金的10%。

假设要缴的RPGT是6万令吉,但没有在60天内缴付,加上罚款就要付6万6000令吉,赚幅又少10%。

温馨提醒:房地产交易涉及很多法律文件和政府部门,千万别想逃!反正是赚的钱,乖乖60天内缴清,免得被罚款就不值了。

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房大赚 也可不付RPGT
卖房亏损还要付RPGT?
装修费可扣RPGT?

Categories贴士

装修费可扣RPGT?

2022年02月24日

【你懂RPGT吗?】系列6

一些开支,
还是能帮你扣RPGT的!

之前讲过产业盈利税(Real Property Gains Tax,简称RPGT )可豁免的情况,很多业主都略知一二。

但很多业主不知道,原来RPGT和个人所得税一样,有些开销是可以用来减免的。

是的,投资期间产生的开销,也可用来减低RPGT。

政府把这类开销称为可扣税开销(英文allowable expenses),相关开销可用来抵扣要缴RPGT的款额。

装修和扩建收据收好!

在呈报RPGT方面,可扣税开销主要是业主花在提升、改善或保养有关房产的开销。

提升和改善,指的是各种提升房子的装修和扩建等,这部份的开销,可用来抵扣RPGT课税的总额。

保养开销,指的是为了保护房子安全性或保存外观等所花的开销。

假设脱售房子有10万令吉赚幅,但之前你花了3万令吉扩建厨房和其他装修,另外又花了2万令吉为房子的木料做特殊保护。

课税RPGT = 脱售盈利 – 可扣税开销
RM100K – RM30K – RM20K = RM50K

那么,这宗交易只有5万令吉需缴RPGT。

以上所说的开销不是你说了算,呈报税务一切都是有单据有证据,内陆税收局不会听口头的各种解说,只要你呈报减免就一定要有单据为证。

温馨提醒:可减免RPGT的开销,装修或保养的各种费用,记得要把单据留住。税收局奉行有单据有真相!

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房大赚 也可不付RPGT
卖房亏损还要付RPGT?
卖房60天须报RPGT

Categories贴士

卖房亏损还要付RPGT?

2022年02月23日

【你懂RPGT吗?】系列5

亏卖屋子不用缴RPGT?
来看看计算方法!

脱售房产,有钱赚要付税,如果亏本卖,对产业盈利税 (简称RPGT)有影响吗?

政府在征收RPGT方面,处理手法对待所得税类似。

一位商人有几门生意,年终结算有些业务蒙受亏损,有些赚钱;商人可用亏损抵销其他生意的盈利,那么他要付税的法定収入就会相应降低。

呈报和处理RPGT,也和此概念一样,亏本脱售房产的话,相关亏损也可用来抵销其他房产脱售的盈利,那么应课RPGT税金的盈利就减少。

可抵消另一项交易盈利

脱售房产的亏损,在税收局眼中是可扣税亏损(allowable loss)项目。

例如一位业主在同一年出售超过一间房产,其中有房产是亏本卖,蒙受损失,可用以抵销另一间房产所赚的盈利。

假设过去一年,你出售了两间房子,一间赚了13万令吉,另一间却以低过当初的购入价3万令吉成交售出。

那么,你需要付RPGT的盈利,其实只是10万令吉。

方程式:盈利-亏损
以上例子就是:RM130K-RM30K= RM100K

我国税制相对友善

我国针对房地产交易征收的RPGT,相对也比很多国家和地区友善,很多国家是征收成交价若干税率,有些地区,即使业主是亏本卖,还是要付税。

而且,卖房子若蒙受亏损,扣税的部份未必要当年使用,可挪后再使用。

例如,你在2020年亏本3万令吉脱售一间房产,因为只出售了一间房产,那么这3万令吉的亏损,可留到未来脱售其他房产而有盈利时,再用来相抵交易盈利。

温馨提醒:卖房子亏损可用来抵销需缴RPGT的盈利,今年用不着,可留之后用;下次卖房子有钱赚时,记得一起呈报,这税金不省白不省。

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房大赚 也可不付RPGT
装修费可扣RPGT?

Categories贴士

卖房大赚 也可不付RPGT

2022年02月22日

【你懂RPGT吗?】系列4

这几种情况,
转售房子也不用缴税!

转售房地产所赚的资本盈利,政府会征收的产业盈利税(Real Property Gains Tax,简称RPGT)。

简单来说,RPGT是依据业主的身份和持有房产年限来征收不同的税率,相关税率再乘以赚幅,就是业主要承担的税金。

但你知道吗?不是全部情况都要付RPGT,一些特殊情况可豁免RPGT,即使转售时大赚特赚都不必付。

先提最、最、最特殊的情况,不只全免RPGT,还一口气免3间!

为了缓和冠状病毒(COVID-19)疫情的冲击,政府2020年宣佈,凡在2020年6月1日至2021年12月31日间出售过房子,最多3间可免RPGT。

如果这期间你出售过房子,又误报的话,记得向税收局了解如何追回退款哦!

一辈子一次的优惠

另一个已生效很久,但可能很多人忘了,就是一生人都可享有一次豁免部份的RPGT,最高1万令吉或赚幅的10%,视何者为高。

说回一般免RPGT的情况,根据政府制定的徵税机制,投资者若是国民或永久居民,只要持有房产超过5年,再转售则可免RPGT。

但公司业主和外国人就没有这个特别待遇,这两类纳税人,任何时间脱售房产,都要付RPGT,只是税率视持有期而定。

另外,根据1976年产业盈利税法令(Real Property Gains Tax 1976 ),也阐明一些可豁免RPGT的情况。

当然,这些特别优待只有国民或永久居民可享有,只要业主符合以下特定情况,就不必付RPGT。

国人和永久居民豁免RPGT

  • 脱售私人房产,每人一生都有一次可豁免RPGT的机会,豁免税金高达1万令吉或脱售赚幅的10%,视何者为高。
  • 配偶、父母和子女、祖父母和孙子女间的产业让移,100%豁免RPGT;但不包括兄弟姐妹间的转让。

以下100%豁免RPGT的情况,只适用于国人:

  • 价值20万令吉或以下的廉价屋,持有第5年以后脱售。
  • 2020年6月1日至2021年12月31日之间,出售住宅,可豁免RPGT;每人最多3间。

温馨提醒:每个人都享有一次RPGT豁免的机会,最高1万令吉或盈利的10%,可以留到脱售最贵的房子才行使哦!

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
太早卖屋 多付冤枉RPGT
卖房亏损还要付RPGT?

Categories贴士

太早卖屋 多付冤枉RPGT

2022年02月21日

【你懂RPGT吗?】系列3

有时候,
早起的鸟儿未必有虫吃……

根据1976年产业盈利税法令(Real Property Gains Tax 1976 ),RPGT税率有两大因素影响。

一是投资者的身份,是否国民或永久居民,是个人还是公司,不同身份要缴的税率不同。

国民和永久居民比外国人低,而个人又比公司更优待一点。

第2个影响脱售房产要付的RPGT税率,是持有房产的时限(Holding Period)。

持有房产3年就卖,和进入第4年才卖,要承担的税率也不同。

简单来说,持有期越短转售,税率越高。

也就是说,房产几时卖,和你真正可以从脱售中赚多少有直接关係,没有规划或一时大意,分分钟少赚很多。

RPGT法令阐明,计算房产持有时限,是从业主签署买卖合约房地产的买卖合约(Sale and Purchase Agreement,简称SPA)的日期算起,直至业主转售时和买方签署买卖书文协议为准。

举例,业主和发展商签署买卖合约时是2018年7月1日,兴建期原定耗时36个月,但发展商提早在2021年3月底交屋。

如果你是这名业主,又非常非常幸运的,4月一拿到锁匙就有买家开出你心目中的价格要接手,你会不会马上就办手续直接卖掉?

以下为你的“幸运”计算一下代价:

假设你一买一卖的差价是20万令吉,从2018年7月1日和发展商签买卖合约算起,至2021年4月,只是差不多满3年,所以4月转售的话,你要付30%或总额6万令吉的RPGT。

根据政府规定的税率,持有房产进入第4年才卖,只需付20%的RPGT。

假设转售差价 = RM200K
国人第3年RPGT税率:30%
应缴RPGT = RM200K X 30%
= RM60K
国人第4年RPGT税率:20%
应缴RPGT = RM200K X 20%
= RM40K

同样是20万令吉差价,但如果你可以说服买家,把交易推迟到7月后才进行,便可省下2万令吉的RPGT。

算清算楚后,你还会急着卖吗?还是尽力再拖几个月才脱手?

温馨提醒:脱售房产时,要把RPGT相关因素纳入考量;一时大意,可能只差几个月,马上就少赚一大笔。别因快失大!

相关新闻:
今年要缴多少RPGT?
RPGT税金怎样算?
卖房大赚 也可不付RPGT

Categories贴士

RPGT税金怎样算?

2022年02月18日

【你懂RPGT吗?】系列2

你的屋子越快转手,
要给的税就越高!

脱售房产,业主要承担多少产业盈利税(Real Property Gains Tax,简称RPGT)?谁来算?怎么算?

政府针对房地产交易征收的产业盈利税,是以脱售房产的盈利为基础,再乘以持有该房产的时间需承担的税率来计算。

根据政府去年提呈2022年财政预算案时的宣布,今年脱售房产的国民和永久居民,持有3年内脱售须付30%,第4年是20%,第5年为15%。

国人和永久居民,若持有房产期限进入第6年才脱售,就不再需要付RPGT。

但如果业主是外国人,首5年脱售必须付赚幅的RPGT是30%,第6年之后税率是10%。

温馨提醒:个人或公司、国民或外籍人士,要缴的RPGT不一样,持有时间也会影响徵收的税率。千万别算错哦!

相关新闻:
今年要缴多少RPGT?
太早卖屋 多付冤枉RPGT

 

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      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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        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。

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

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

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

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        Unless otherwise indicated, Malaysian copyright law and international treaties protect all editorial content, graphics, video and soundbites on this site. No part or parts hereof may be reproduced, reused, distributed, adapted, modified, republished, displayed, broadcast, framed, copied or transmitted in any manner or by any means or stored in an information retrieval system without the express permission of property.eNanyang.my who reserve all rights. You also may not without our express prior written content, insert a link to this web site on any other web site, frame or “mirror” any material contained on this web site on any other server. Permission to use Nanyang Siang Pau Sdn Bhd (eNanyang.my and property.eNanyang.my) proprietary content is only granted on a case-by-case basis. Please direct your enquiries to prop@eNanyang.my. The material from this web site is only available for off line informational and non-commercial uses. For such use the content and/or graphics must not be modified in any way. All copyright and other notices on any copy are retained. You may not copy or adapt the HTML code that property.eNanyang.my create to display pages. This also is covered by Nanyang Siang Pau Sdn Bhd copyright. The “look” and “feel” of this web site and its subsites also are trademarks of eNanyang.my. This includes the site colour scheme, button shapes, layout, and all other graphical elements. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of property.eNanyang.my web site may be in breach of statutory or common law rights which could be the subject of legal action. property.eNanyang.my disclaims all liability which may arise from any unauthorised reproduction or use of this web site.

        All trademarks, service marks and logos displayed in this web site are the property of property.eNanyang.my and/or their respective third-party proprietors as identified in the web site. Unless the prior written consent of property.eNanyang.my or the relevant third-party proprietor of any trademarks, service marks or logos appearing on the web site has been obtained, no license or right is granted to any party accessing this web site to use, download, reproduce, copy or modify such trademarks, service marks or logos. Similarly, unless the prior written consent of property.eNanyang.my or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the property.eNanyang.my web site or any other site. Just as property.eNanyang.my requires users to respect our copyrights, and those of our affiliates and partners, we respect the copyrights of others. If you believe in good faith that your copyrighted work has been reproduced on our site without authorisation in a way that constitutes copyright infringement, you may notify our designated copyright agent either by mail to Nanyang Siang Pau Sdn Bhd, No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor, Malaysia or by email to prop@eNanyang.my.

        This site is available “as is” and “as available” basis. We do not warrant that this service will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this web site. We are not responsible for the availability or content of other services that may be linked to this web site. We do not make any warranties, express or implied, including without limitation, those of merchant quality and fitness for a particular purpose, with respect to this web site or any information or services that are available or advertised or sold through this web site. We do not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this web site or available through links in this web site. We reserve the right to correct any errors or omissions in this web site. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “Trojan horses” or other destructive materials to this web site, we do not guarantee or warrant that the materials that may be downloaded from this web site do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on this information and any materials available through this web site, you do so solely at your own risk. Without derogation of the above and/or terms and conditions of the applicable agreements governing all the information and services of the web site, reasonable measures shall be taken by property.eNanyang.my to ensure the accuracy and validity of all information relating to transactions of products and services of related web site.

        property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

        Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

        You will on demand indemnify and keep indemnified property.eNanyang.my from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by property.eNanyang.my in connection with or arising from (1) your use or misuse of this web site and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against property.eNanyang.my in connection with your use of this web site.


        property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

        The failure of property.eNanyang.my to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. All rights not expressly granted herein are reserved.

        These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this web site and/or using the services provided herein by property.eNanyang.my, you hereby agree to submit to the non-exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this web site.

        私隐政策声明

          You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

          In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

          • Name;
          • Address;
          • Phone Number;
          • Fax Number;
          • Date of Birth;
          • Email Address;
          • Gender;
          • Bank Information;
          • Identity Card Number; or
          • Credit Card Information

          Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

          • to process your application and/or request for our products and/or services;
          • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
          • to provide you with the products and/or services you have requested or subscribed;
          • to understand and analyse our sales, your needs and preferences;
          • to develop, enhance, market and provide products and services to meet your needs;
          • to conduct marketing activities;
          • to direct market to you;
          • to determine how we can improve our services to you;
          • to process exchanges or product returns;
          • to process payments to you;
          • to enable you to participate in promotions and contests;
          • to investigate and resolve any service issues;
          • to keep in contact with you and better manage any business relationship we have with you;
          • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
          • for debt collection purposes;
          • to respond to requests or complaints;
          • for future business opportunities and transactions;
          • for audit, compliance and risk management purposes;
          • to meet legal and regulatory requirements; or
          • for all other purposes incidental and associated with any of the above;
          collectively known as the “Purposes”.<

          Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

          1. law enforcement agencies;
          2. government agencies;
          3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
          4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
          5. our business associates in or outside Malaysia;
          6. to share the information with trusted business partners for the provision of their services
          7. any parties to whom you have given us your express or implied consent to disclose; or
          8. to such other parties as may be permitted under the laws of Malaysia.

          You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

          Designation: Data Privacy Officer
          Telephone: 03-7872 6921
          Fax: 03-7872 6994
          Email: pdpa@nanyang.com.my
          Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

          We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

          This notice was updated: 5th February 2014

          © 南洋商报有限公司版权所有 | Copyright Nanyang Siang Pau Sdn. Bhd.(6164-V)