Hello all.

I plan to buy my first property, a low-rise apartment, priced 70k as quoted by the owner.

Since it is my first property, I am not sure with the procedures,
especially since I am buying through owner, and not via developer.

Here are some of the questions I have :

[1] Do I need to appoint a lawyer to act on by behalf, and if it advisable to do so, how much will it cost ?

[2] Who will bear the cost of SPA signing, & any other fees for the sales ?

[3] If the owner bought the house by taking bank loan, do I need to pay the remaining balance to the bank
or is it the owner's responsibility to pay it ?

Thanks in advance.

And at which point do I need to go to the bank to take up loan?
Is it when the owner has provided me with the SPA?

And usually, say the purchase price is 70k, what figure am I looking at to pay for the additional charges and fees ?

How much are we looking at additional money I need to pay, other than the legal fees?