Hi,

I'm new to house purchase. I heard that besides paying the house 10% deposit, there is also other charges like legal fees from both bank and snp, etc, etc that needs to be settled which can cost up to rm20-30k.

Does anyone knows what are the charges and how much that needs to be paid? The house price I'm interested to purchase is RM480k. Please help....need to know whether I got sufficient $$ for all those...

Hi there...

It's a subsale....so for subsale got additional charges one ah??

Meaning in total, I've gotta prepare:
48000 + 8600 + 3600 + 2160 + 1000 = 63360 (around RM65k ah) omg!!!

The additional fees can use the EPF withdrawal to cover right?

I am still waiting for the bank evaluation now...hopefully it's not a very big different. Will try to negotiate with the owner if the value is lower. By the way...the owner doesn't go through an agent for the house selling.

Is it risky? And what procedures do I need to follow? If I'm making a booking...usually I need to pay 3% deposit to the agent first right? What will be this case without going through agent? I couldn't afford to pay the 3% to the owner without any legal docs...later the owner disappear then how! haha....

Thanks bro. But a shameless tout has already taken advantage