Hi Dario,
Need some advise. My husband and I bought a service condominium back in 2003, but the project was put on hold until it was recently revived. Now it is nearing completion. At this stage, my bank loan is still not fully disbursed. However, I've just received a call from a real estate agent stating that she has a ready buyer who is interested in my unit and is willing to accept my selling price. I am keen to sell my apartment, as we already have another house (have given up on waiting for this apartment), but I hope you can advise us as to the implications and costs of selling my apartment at this stage of completion (ie. 80% completed and without CF/title). Are we liable for anything? Is it legal to do so? What do we need to do to ensure that we do not get caught in a situation where we are liable until the new buyer gets the keys to the apartment? In my thinking, he must be ready to take on anything that will happen from the time we sell the apartment to him until he gets the keys from the developer. We don't want to get roped into any disputes he has with the developer months after we sell the unit to him. What is the legal standpoint in this? Hope you can advise us in this matter, as we have no experience in this sort of matter at all. Thanks a lot.

Thank you Dario, you have put our minds at ease. Great thread you have here.. will be sure to tell my friends about this..