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买房贷款借多好还是贷少呢？只有你自己知道！
“现在借 LOAN 做么这么难的？！”近这几年是不是一直听到这句话？
但更大的盲区是为什么一些房地产你可放心的去贷多多，一些在老师眼里却不要借太多？
买房贷款借多好还是贷少呢？只有你自己知道！
“现在借 LOAN . . .
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Self Introduction of Agnes Wong 黄琳俐
I am qualified and professional in tax compliance & advisory, fundraising exercises, boardroom matters and shareholders structure for 20 years. Also Chartered Accountant registered with CITM, MIA, CPA and MAICSA. Strong creative and analytical skills. Team player with an eye for detail. I am also an Entrepreneur myself.
MANAGING DIRECTOR
Syarikat Ong Sdn Bhd
CORPORATE GOVERNANCE
FINANCIAL & TAX
TRAINING & PUBLIC SPEAKING
QUALIFICATION
1995
MONASH UNIVERSITY
Bachelor of Business in Accounting
1999
MALAYSIAN INSTITUTE OF ACCOUNTANTS (MIA)
Accountants Act, 1967 (Revised 1972) Public Accountant
2002
MALAYSIAN INSTITUTE OF ACCOUNTANTS (MIA)
Charted Accountant
2008
MALAYSIAN INSTITUTE OF CHARTERED SECRETARIES AND ADMINISTRATORS (MAISCA)
2018
THE CHARTERED TAX INSTITUTE OF MALAYSIA (CTIM)
Chartered Tax Practitioner
为了将房地产投资的资讯普及化，让众投资者受益，我们寻找对房地产有热忱的 20到35岁的年轻人，通过我们的平台，媒体，活动，培训，训练出新生代的房地产年轻讲师，现在开始招收8大门生。只要成为房道门生，我们保证你将会是 马来西亚房地产著名讲师，你将有机会在台上大展风采，在媒体曝光，在网络爆红，想到你爆红成为房地产大师，马上报名面试！
Self Introduction of Dato’ Tee Lian Eng 拿督郑联荣律师
拿督郑联荣律师
法学荣誉学士 邦德大學，澳大利亞 郑与张律师楼创始人兼执行合伙人
拿督郑联荣律师是马来西亚律师公会一名活跃的执业律师，拥有23年的执业经验，是郑与张律师 楼 (Messrs. Tee & Teoh) 的创始人兼执行合伙人。郑与张律师楼于1999年创立，其核心价值观包 括:有担当、追求卓越和勇于创新，致力于为社会大众提供卓越、可靠和个性化的法律服务。
拿督郑联荣律师的职业生涯始于全职诉讼律师，为银行进行民事和企业诉讼。目前，他的业务重 点为企业和产权转让。他所提供的专业意见促成了许多涉及过亿批量购买的重要交易。他也曾于 2008年至2010年在雪兰莪律师公会的产权转让业务 (Conveyancing Practice)及律师薪酬执行小 组(SREC) 委员会任职，并代表小组委员会与各土地局，税务局及其他政府机构进行协商。
此外，他本身也是一名资深的房地产投资者及企业家，常常以特邀发言人和座谈会成员的身份现 身于各房地产投资俱乐部与本地广播电台，并为本地报章和金融杂志撰写文章。他也被委任为上 市公司和当地金融杂志的法律顾问。
凭借其丰富的经验及多重的身份，拿督郑联荣律师擅长结合其专业的法律知识、商业及投资理财 等经验，设身处地地为发展商、上市公司及房地产投资者提供包括法律、税务和贷款等多面化且 更全面的咨询服务。
Dato’ Tee Lian Eng
Bachelor of Laws LL.B (Hons) Bond University, Australia Founder and Managing Partner of Messrs. Tee & Teoh
Dato’ Tee, is an active practicing lawyer with more than 22 years and also the managing partner of Messrs. Tee & Teoh, an established legal firm that he incepted in 1999. The firm aspires to be the preferred, respected and professional legal firm in Asia and is committed to provide excellent, reliable and personalized legal service via their core values, i.e accountability, pursuit for excellence and innovation.
He started his career as full time litigator acting for banks in civil and corporate litigation. Currently, his practice primarily focuses on corporate and conveyancing. The practice is instrumental in structuring, advising and negotiating many notable bulk purchase transactions involving RM100 million. Dato’ Tee served in the Selangor Bar Conveyancing and Solicitors’ Remuneration Enforcement Committee (SREC) Sub-Committee from 2008 to 2010 and has represented the Sub-committee in dialogues held with various land offices, stamping offices and other government agencies.
In addition, he is also an experienced real estate investor and entrepreneur, often appearing as a guest speaker and forum panelist for various real estate investment clubs and local radio stations. He contributed a number of articles for local newspapers and financial magazines. He is also appointed as legal consultant for public listed companies and local financial magazines.
With his profound experience and a multiplicity of roles, Dato’ Tee Lian Eng is good at providing detailed comprehensive advice to the developers, listed companies and real estate investors including legal, tax and loan aspects by combining his professional legal knowledge, business and investment experiences.
Self Introduction of Steve Lim 林恒谅
Chinese Name: 林恒谅
English Name: Steve Lim
Company Name: WGC Networks S/B
Position/Title: Founder & CEO
Email: wgc.asia@gmail.com
Facebook: @wgcwherethefurniture
Self Introduction of CY Wong
擁有英國法律榮譽學位，澳大利亞工商管理碩士學位，目前在馬來西 亞是一名合格執業律師，也是一名註冊財務策劃師。精通於各種法律事務，包括合資企業事項，公司法，轉售和銀行業務，代理/分銷，住房項目，婚姻糾紛/解決，協助客戶解決涉及數千萬至數億元的建築合同糾紛並曾在包括聯邦法院在內的眾多法院進行過民事訴訟。也為保險公司和銀行例如美國友邦保險有限公司及渣打銀行進行關於民事訴訟，貸款回收過程和買賣/貸款交易程序的研討會和提供相關的法律諮詢及解決方案。除此之外，他也曾在一商業集團服務，為其管理和監督各事項，即法律，信用控制，成本削減，市場銷售及營銷和其他職責，從中對企業界開展業務方面積累了很多經驗。法律知識再加上商場經驗，也讓他能有效的協助其當事人與其中國同業進行商業交易，房地產開發收購和合資企業的創立。直到目前他還在協助其當事人商討在中國潛在價值數億美元的項目。他也曾為馬來西亞權威中文報章即“星洲日報”解答公眾對於房地產的疑問，其法律建議和解決方案被刊登在“星洲日報”的“財富周刊”上。他也是馬來西亞律師公會的紀律委員會專家組的律師之一，被授以權力去調查被人投訴的律師。
He holds a UK law honorary degree and an Australian MBA. He is currently a qualified practicing lawyer in Malaysia and a registered financial planner. He has expertise in a variety of legal matters including but not limited to joint ventures, corporate law, property transactions and banking, agency/distribution, housing projects, matrimonial disputes/settlements, dispute resolution over construction contracts ranging from tens of millions to hundreds of millions of ringgit and had appeared in various courts including the federal courts to conduct civil litigation for clients. He had also conducted seminars, rendered legal advice and proposed solutions for, inter alia, American International Assurance Company Ltd and Standard Chartered Bank Malaysia Berhad’s loan department on civil litigations, loan recovery process and procedures in sale and purchase/loan transactions.
In addition, he had also worked for a business group and had accumulated a wealth of experience in managing and supervising various departments namely legal, credit control, cost cutting, sales & marketing and other responsibilities and had gained much experience in the conduct of business in the corporate sector. His legal knowledge coupled with business experience has also enabled him to effectively assist his clients in negotiating business deals with their Chinese counterparts from China in trading, property development & acquisition and joint ventures. Until now he is still assisting his clients in potential projects worth hundreds of millions of dollars in China. He had also provided legal advice and solutions to the public and readers of Sin Chew Daily, an authoritative Chinese newspaper in Malaysia, whose legal advice and solutions were published in the “Fortune Weekend” in Sin Chew Daily. He was also one of the panel lawyers for the Disciplinary Committee of the Advocates & Solicitors Disciplinary Board of the Malaysian Bar Council and was authorized to investigate such lawyers who hade been complained of their misdeeds by their clients.
房产界名讲师
房道顾问将会针对会员提出的问题通过文章或视频在fangdao.com.my 发布，顾问也会设定一些热门或一般会员面对的问题作出视频或作文在会员网上发布。
– 房产法律：投资法律咨询，合伙投资导航，租赁条例顾问
– 空间增值团：室内设计，买房风水
– 融资贷款：杠杆设计，公司组织咨询，众筹学问
– 投资策略： 市场专家，投资顾问
拿督斯里郑水兴 – Dato Sri Gavin Tee
现在提起郑水兴，他就像和房地产画上一个等号，被媒体称为大马当代房地产投资界教父。他是 Swhengtee 国际房地产投资者俱乐部的品牌创立人兼主席，也是多家房地产公司的灵魂人物，并身兼多家投资公司的董事。目前也担任多个房地产与商会等要职。
目前，他是享誉国际的全面性投资顾问兼企业家，也是深受欢迎的国际实战派讲师。他曾多次担任上市公司的投资与开发顾问，积极参与投资咨询、房地产工程市场销售、土地开发顾问以及国际房地产投资服务。同时，他也出任发展商的土地发展、概念计划以及市场规划顾问，当中不乏上市公司与新兴开发公司。
他每一年主讲的房地产市场预测，是最受媒体关注的房地产界大事。这也成为房地产开发商及投资者的主要参考信息。他预测的准确性不但享誉房地产界，更被一些中国与马来西亚排名十大的房地产商受委任为市场发展顾问。
2009年，他一口气连办30场房地产投资讲座后，并在2010年仅用短短四个月的时间，开创郑水兴国际房地产投资者俱乐部，出版大马第一本最全面性的中文房地产投资与管理著作《房东博士》及拍大马首个中文房地产投资电视节目《更上一层楼》。不到一年的时间，投资者俱乐部的总投资额已高达2亿令吉。
俱乐部的宗旨在于建立一个完善，有组织的投资交流平台，通过专业房地产投资经验的分享，来教育公众称为精明的房地产投资者。他深信，通过精确的市场谈判技巧，资源分享，以及专业知识的结合，在能够引进投资者共享成功的喜悦。
俱乐部的优势在于，通过集体投资的力量，将热衷房地产投资的会员资金集合起来，建立一个直接与发展商谈判的筹码，以换取独家优惠，从中获得更丰厚的投资回酬。他强调，以俱乐部方式集体投资房地产，即非集体炒楼。也不是投资基金，而是集合所有的力量，通过教育让大家对投资目标取得共识，从中达到集体行动的成果。
2013年9月，他个人斥资200万令吉，马不停蹄地到世界多个城市举办空前的“郑水兴房地产世界巡回讲座”，将马来西亚房地产的魅力与旅游业介绍到全世界，创造了房地产世界的佳话。2014年，郑水兴受邀担任在福州举行的“第五届中国地产闽商大会”演讲嘉宾，在东京举办的亚太区房地产大会开幕与主讲嘉宾，并荣幸受邀担任由中国-东盟协会主办的“魅力东盟、走入中国”的特别演讲贵宾，与东盟多国最高领导同台演讲。此外，他也曾经为清华大学房地产总裁班担任客座讲师，更多次受邀为碧桂园、马中企业家大会及依斯干达特区等开幕或担任特别主讲嘉宾。
东南亚房地产崛起之前，他积极地在海外设立联络网，并在北京、台北、厦门和上海成立房地产咨询公司，以及在香港、澳门、新加坡、日本及英国等地成立策略伙伴，开始了他在房地产界世界的奇迹旅程。
郑水兴在房地产界已拥有超过30年的经验，他不但通过自编自演的电视节目 以及报章达到教育与传授房地产投资方式和策略的目的，更为大企业、大投资者设计投资组合，并常带领投资队伍大举进军房地产。俱乐部成立至2013年，在短短五年的时间内投资了超过10亿马币的房产。
为了更完善的传授房地产的投资知识，郑水兴曾在2011至2013年与马来西亚历史最悠久的英文报刊新海峡时报（New Straits Times）配合，全力负责出版旗下英文产业周刊的编务工作。同时，他也在2012年出版了马来西亚第一本中文房地产月刊《大马房地产》杂志，奠定了其在中英文房产媒体界的位置， 更借助所出版的刊物传授大众有关投资房地产的知识。
继新海峡时报与《大马房地产》杂志，郑水兴在2014年再推出全新的英文杂志“Asian Property Review ”， 以及在2019年推出的YES Property & Travel Paper 旅游与房地产报章, 除了作为教育亚洲房地产投资者的管道之一、也为业界专业人士提供交流平台、并向全世界推广亚洲国家的房地产与旅游。
除此之外，郑水兴於2013年4月开始积极投资电影制作，成立松江传媒文化集团（SKT）,全面性进军新马、中港台影视界与艺人经纪市场，扩大其在国际上的人脉关系与影响力
郑水兴受到了国内外媒体与业界的肯定，并获2010年全球金品奖杰出品牌人物奖，2013年由“TOP 10 OF ASIA”马来西亚国际房地产投资大师奖。同年，他也荣获由香港“中华名人录 —— Chinese Who’s Who Society”所颁出的《中华名人录》的卓越华人奖。2014年，在东盟秘书处见证下荣获亚洲金龙奖颁发的“亚洲最具影响力企业家”（房地产）奖项、以及由世界华裔组织联盟颁发的“2014年世界杰出青年华商”。
秉持着一股对房地产投资教育的热忱，郑水兴更在2018年在ASTRO推出马来西亚首个房地产投资电视真人秀节目“Anyone Can Be A Property Millionaire”《房地产百万富翁就是你》，希望以更广大的平台，教育全民正确的房地产投资方式。
郑水兴，其特点 —— 他就是他，没有人可以像他，他的投资模式与他的人一样，非常的特别与创新。而他的原则就是，市场的奇才与能者太多了，他永远都在寻找知心人作为合作伙伴。
Dato’ Sri Gavin Tee Swee Heng
Dato’ Sri Gavin Tee obtained his Bachelor Degree in International Marketing from Eastern Michigan University, USA in 1988. He is a man with many talents and has taken on numerous roles in his professional life.
Over the decades, Gavin has built himself up into not only an internationally renowned investment adviser and entrepreneur, but an extremely popular and respected speaker and trainer.
In 2013, Gavin took the next step in his global venture with his self-funded SwhengTee Property World Tour (SWT) to more than 20 cities worldwide to promote what he calls the Greater SEA Era as well as Malaysia as a premium real estate destination. He was invited as a VIP speaker at “The 5th China Real Estate Fujian Businessman Conference” held in FuZhou, China, Guest of honor & speaker for “Asia- Pacific Real Estate Investment Fair” held in Tokyo as well as a key speaker among all the top Asean leaders at “Charming ASEAN, into China” launching event which was organized by the China-Asean Association. Gavin was also invited as a Guest Lecturer at Tsinghua University Global Executive of Business Administration Program (EMBA). Next, he also spoke at The 4th Malaysia-China Entrepreneur Conference (MCEC) which took place in Xiamen on 9th September 2014. Gavin has been active in establishing liaison networks with his global counterparts long before others. He has set up real estate consultation offices in Beijing, Xiamen and Shanghai, and formed strategic alliances with partners from Hong Kong, Taiwan, Singapore, Japan, and the UK to pave the way for his global real estate journey.
Gavin has come a long way in the industry and has more than 30 years’ of experience behind him. Gavin has a record to lead his investors club members to invest more than RM1 billion in property in three years and also steering his agency to transact more than RM5billion in Arborland.
Over the years, he has won numerous awards and accolades including the Top Global Brand Character of the Global Golden Brand Award 2010. In 2014, he was awarded “Asia Most Influential Entrepreneur” in real estate by the Golden Dragon Award 2014 in Fangchenggang, China. He was also awarded “The Excellent in Achievement of World Chinese Youth Entrepreneurs” by World Federation of Chinese Entrepreneurs Organization held in Macau. In 2013, he was also recognized as Malaysia’s Best International Real Estate Investment Guru by TOP 10 OF ASIA, and as one of the award- winners of Distinguished Chinese Award by Hong Kong Chinese Who’s Who Society and many more.
In order to better disseminate real estate information to more people, Gavin had co-operated with Malaysia’s oldest English broadsheet, the New Straits Times from 2011 to 2013, to undertake to publish its weekly real estate pull-out. He is also the Publisher of Asia-wide property magazine, Asian Property Review, YES Property & Travel Paper and Malaysia’s first Chinese real estate magazine, Real Estate Malaysia, and his contribution in the printed media further cemented his position with both Chinese and English speaking audience.
His greatest achievement was on the production of “Anyone can be a Property Millionaire” Reality TV Show in ASTRO in 2018 which attracted more than RM2 million viewers that make his name a record in the Real Estate Industry
Gavin is truly a special individual and his achievements cut across industries and borders. His innovative and insightful investment style is unlike others.
为了将房地产投资的资讯普及化，让众投资者受益，我们寻找对房地产有热忱的 20到35岁的年轻人，通过我们的平台，媒体，活动，培训，训练出新生代的房地产年轻讲师，现在开始招收8大门生。只要成为房道门生，我们保证你将会是 马来西亚房地产著名讲师，你将有机会在台上大展风采，在媒体曝光，在网络爆红，想到你爆红成为房地产大师，马上报名面试！
