Hi Dario can you pls advice.... sharing a property with my partner with loan amount 630k
Another question is I am buying the property(freehold) from a malay owner. The thing is the owner bought the property with bumi discount from the developer but my agent and lawyer told me that the property is under open title. Is there such a thing whereby u can buy with bumi discount and yet it is non bumi lot?

I am taking the same lawyer for both the SPA and loan agreement...Fee as below Thanks
ESTIMATED BILL FOR SPA
PURCHASE PRICE: 700,000.00

Legal fees
Sale and Purchase Agreement                              5,350.00
Submitting CKHT 2 Form (RM200 per person/form) 400.00
Private Caveat (Entry & Withdrawal)                      350.00
Add 6% Service tax 366.00

Total      6466

Disbursements
Stamping – Sale and Purchase Agreement                                40.00
Stamping - Statutory Declaration                                            0.00
Adjudication                                                                          0.00
Land Office Fees – transfer                                                    500.00
Land Office Fees – search                                                      90.00
Land Office Fees – Caveat (Entry, Notice & Withdrawal)(RM380) 380.00
Land Office Fees – Application for consent (433B)(RM200)        0.00
Land Office Fees – CTC of Title (RM50)                                    0.00
Land Office Fees – Registration fees for consent (RM30)            0.00
Land Office Fees – Application for consent (Restriction-in-Title)(RM50) 0.00
Land Office Fees – CTC of Title (RM50)                                  0.00
Land Office Fees – Registration fees for consent (RM30)          0.00
Bankruptcy search (RM12 per person)                                  12.00
Affirmation fees for SD                                                        24.00
Printing & Photostating, telephone, fax, postage charges        100.00
Travelling / dispatch                                                            100.00
Miscellaneous                                                                      50.00
Stamp Duty (estimated) 15,000.00

Total 22,762.00
ESTIMATED BILL FOR Loan Agreement

Legal fees
Facilities/Loan Agreement                4,889.44
Charge                                          488.94
Private Caveat (Entry & Withdrawal)  350.00

Add 6% Service tax                        343.70

Total                                              5,728.39
Disbursements
Stamping – Loan Agreement          40.00
Stamping – Charge                        40.00
Stamping - Statutory Declaration    30.00
Stamping – Statutory Declaration for owner occupation 30.00
Land Office Fees – Charge            120.00
Land Office Fees – search              120.00
Land Office Fees – Caveat            380.00
Land Office Fees –Noting of PA      60.00
Land Office Fees – Letter of Consent 30.00
Affirmation fees for SD 48.00
Bankruptcy search                        96.00
Purchase of Facilities Agreement & Charge Annexure  200.00
Printing & Photostating, telephone, fax, postage charges, dispatch , miscellaneous 250.00
Stamp Duty 3,175.00

Total                                            4,619.00

Total 10,691.09

hi new in property and in need of advise. i just got a quotation for a subsale DS at 298k. would like to know if the disbursement is alright.

Legal Fees
Towards preparing Sale & Purchase Agreement for your execution, forwarding to the other parties for their execution, attending to the stamping, forwarding to the respective parties and other legal work not specifically mentioned

[150,000 x 1% = 1,500] + [148,000 x 0.7% = 1,036]   =RM2,536.00
-        Form CKHT 2A    RM   200.00
-        Form 19B (Entry of caveat)   RM   200.00
-        Form 19G (Withdrawal of caveat)    RM   150.00

6% Govt. Service Tax     RM   185.20

total : RM3,271.20

Disbursements
1)        Title Search  RM   60.00
2)        Bankruptcy Search  RM   40.00
3)        Stamping of Sale & Purchase Agreement RM   40.00
4)        Stamping of Memorandum of Transfer 
5)        Entry of Private Caveat + Notice   RM  320.00
6)        Withdrawal of Private Caveat   RM    60.00
7)        Registration of transfer   RM  400.00
8)        Affirmation fees   RM    30.00
9)        Transportation, papers & courier   RM  150.00
10)        Telephone, fax, stationery, etc   RM  100.00

totAL:RM1,200.00

total legal fee: RM4,471.20

Stamp Duty for the Memorandum of Transfer calculated as follows:
(100,000 x 1% ) + (198,000 x 2 %) = RM4,960.00
50% =RM 2480.00
** for first time home buyer & below 350k I heard there is 50% stamp duty deduction, is this true?

total legal fee + stamp duty=RM 6951.20