I don't understand what the point of arguing the price or expecting what price can sell?

When completed, if wan to sell, the bank usually will do estimation of the property. With that ppl will know how much is the market value.

If lets say for example market value is 350k , you wan sell 400k. the buyer can't get 90% loan he need to top up on his own. The buyer won't paying so high for over market value.

Usually the estimation market value by bank is the most correct.

Sorry for any offences