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Plenty of cheap auctions.
Few worth bidding on.

So we built a system to find them.

CY Property Premium does the homework first. For every bank auction (lelong) property, it works out how far below market value it is, grades it from A to D, and suggests whether to flip or rent.

Join Lelong 致富学 free3 nights on Zoom, in Mandarin Already a member? Log in

Sample screen from CY Property Premium, the members' system: a list of auction properties, each showing how far below market value it is (BMV), a grade from A to D, the best strategy, the reserve price and the days left to the auction — Sample screen: CY Property Premium, for members only. Addresses and prices are examples.

4 things on every listingSelect a number for details

Speed. Reach. Clarity. Savings.
Why we build our own tech.

Speed: Know what you can borrow, in minutes

Before
Taking your documents from bank to bank, one at a time.
Now
Fill in a 2-minute form and get matched to the right bank first.
FinDoctor.my
Reach: More banks, more good properties

Before
You only see the few properties people around you mention.
Now
Pick from thousands of auction properties, and match across 20 banks at once.
CY Property Premium
Clarity: The numbers, laid out for you

Before
Market price, rent, monthly instalment: you work out each one yourself.
Now
Grade, market price comparison and rental yield, all laid out for you.
PropCheck.my
Savings: Skip the expensive trial and error

Before
Trying things out and paying for the lessons with real money.
Now
Get the numbers clear before you bid, and keep your money for the deals that make sense.
See the full journey

FinDoctor.my and CTOS at the MoU signing ceremony, with Signing Ceremony, Memorandum of Understanding on the big screen — FinDoctor.my signs an MoU with CTOS, March 2024

Match first.
Then apply.

Before you buy, know how much you can borrow and which bank suits you best. Open to everyone, and matching is free.

Fill in a 2-minute form and we’ll match you to the right bank from 20 in Malaysia
You apply only after you’re matched, and the bank makes the decision

National recordMost banks on one fintech platform (20 banks)

Free bank matching

Two members-only systems
that do the homework for you.

CY Property Premium picks auction properties. PropCheck.my analyses shops. Members can log in and use them any day.

CY Property Premium

Members only

Shortlist good auction properties fast, without the hours of homework.

Finding, analysing, doing the sums and bid reminders: one system does it all.

Members: log in Not a member yet? Start with Lelong 致富学

How far below market valueThe discount is worked out for every property, so your safety margin is clear at a glance.
Grade A to DScored on CY’s six rules for choosing property, so good and bad are easy to tell apart.
Best strategyFlip, Long-term Rental or renting by the room: the system suggests which fits.
POS analysisAI reads the Proclamation of Sale for you: the title, any restrictions, the risks and the payment deadlines.
Profit and loss calculatorWorks out the money you need on auction day, the monthly instalment, rental cash flow and flip profit.
My Bid PlanAdd the properties you want to bid on, and get an email 7 days and 1 day before each auction.
Automatic alertsEvery Monday, 20 picks that match your investment goals, plus an alert as soon as a new property fits.
AI assistant and CY reportAsk the AI about any property, or download its CY report.

PropCheck.my

Members only

Is the shop worth buying, and what’s the most you should pay? A report in 3 minutes, with a clear verdict.

Location score: nearby anchor tenants, where the foot traffic comes from, population and spending power
Tenant and rent for every floor, compared with market rent, with the yield worked out for you
A suggested offer price, and the ceiling you shouldn’t go above
Flood, legal and oversupply risks, plus recent transactions nearby
What to do before you make an offer, listed step by step