DIBS pay nothing till VP.
Both Loan and S&P legal fees are paid by developer if u take the loan under their panel banks (PBB, HLB, UOB, OCBC, Citibank, CIMB, HSBC, MBSB, Standchart, Ambank, Alliance. Maybank was once in the panel, then withdrawn, then heard they joint back again). MBSB still give 90% loan for 3rd property.
Paid 2% and those hit with LTV 70% can gives it a try if nothing to buy, lolz.