Bank Lelong Property Malaysia — Complete Guide 2026
Maybank, CIMB, Public Bank, HLB, RHB and AmBank — deposit requirements, timelines, e-bidding platforms and hidden costs compared side by side.
Bank-by-Bank Comparison
All major Malaysian banks compared on the factors that matter for buyers.
| Bank | Deposit | Balance Due | Frequency | E-Bidding | Platform |
|---|---|---|---|---|---|
| Maybank | 10% of reserve price | 90 days | Weekly (Tue–Thu) | Yes | Online (auctionguru.com.my / ngchanmau.com) |
| CIMB Bank | 10% of reserve price | 120 days | Bi-weekly | Yes | auctions.com.my |
| Public Bank (PBB) | 10% of reserve price | 90 days | Monthly | No | No dedicated platform — listed via auctioneers |
| Hong Leong Bank (HLB) | 10% of reserve price | 90 days | Monthly | No | hlb.com.my/property-auction |
| RHB Bank | 10% of reserve price | 120 days | Monthly | No | Various auctioneers |
| AmBank | 10% of reserve price | 90 days | Irregular | No | No central platform |
Detailed Bank Profiles
Maybank
Online biddingHighest volume of auctions nationally. Online bidding available for most listings.
CIMB Bank
Online biddingauctions.com.my provides advanced search by state and property type.
Public Bank (PBB)
Lower volume but less competition per listing. No central listing page.
Hong Leong Bank (HLB)
HLB lists auctions on own site. Physical auction at Henry Butcher KL office.
RHB Bank
Lower auction volume vs Big 3. Often fewer bidders = better deals.
AmBank
Least volume of major banks. Low competition — can find underpriced listings.
Hidden Costs of Buying Lelong Property
The reserve price is just the start. Budget for these additional costs.
Rule of thumb: Add 15–25% on top of the auction price for total cost of ownership. A property auctioned at RM400k may cost RM460k–RM500k all-in. Always compare against NAPIC transaction data to verify the discount is real.