They ask you to pay 3K as down-payment. Then ask you dont apply loan by yourself, they will help you to submit loan to their prefer banker. End up I wait, wait & wait until they only submit my docs to banker on end of May 2012 (*bought on end of March 2012). Please becareful that they have the right to forfeit the downpayment (RM3K) because it's stated on purchase form if you're not sign the S&P agreement within 14 days from the date of purchase. I have no idea & very disappointed on this. Today 15/6/12, I still waiting for loan status, the banker is work like turtle & the property agent is not follow up at all.