Can I tumpang.

Should we do this:
1. Get bank loan approval
2. Get lawyer start do SPA
3. Get bank offer letter
4. Sign SPA


Im looking for bank loan, should i start ask my lawyer prepare SPA already, or its better for me to wait until my loan is approve (in case i did not get any loan) ?

On SPA, should I enter caveat? Previous owner bought the unit in cash, even borrow me the original copy of strata for me to photocopy to go do my loan..