About Us
Who we are
Yayasan Teknologi Pengurusan Hartanah Sedunia
(World Property Management Techonology Foundation)
(PPM-001-10-22112017)
Since 2017
We’re not your typical mortgage consultants.
At PropTech Foundation, a FinTech organization in Malaysia where we specialize in smart mortgage management — helping homeowners cut years off their home loan and save hundreds of thousands in interest, without needing to refinance.
While most people only know about refinancing as a way to reduce loan costs, we go further. Using principles from actuarial science, we create personalized mortgage strategies that optimize your repayment journey.
Our methods help homeowners take control of their loan — without switching banks, without changing loan packages, and without taking on more debt.
Our mission is simple:
To help homeowners save more, stress less, and stay informed — every step of the mortgage journey.
What Makes Us Different?
Actuarial-backed Strategies
Not guesswork, but calculations rooted in financial science. Our system is powered by the same actuarial principles banks use to manage your loan — now working in your favour.
No Refinancing Needed
Keep your existing bank, we just help you use the system to your advantage.
Transparent, trackable process
Every step is data-driven and aligned with your financial goals.
99% Accuracy
Real Results: Many of our clients save 6 figures in interest and shave off 5 to 15 years from their loan.
Our Credentials
Dr.KM Cheong
Meet Our Founder
A passionate voice in the realm of mortgage and financial education, our founder has been actively sharing insights and empowering homeowners since 2008. From newspaper columns to public talks and magazine features, they’ve consistently championed smarter ways to manage property loans—long before it became mainstream.
“Since 2008, I’ve seen one truth stand out: when people understand their loans, they take back control of their lives.”
———Dr. KM Cheong
