just called my agent, and to find out today itself is the 14th day ( only working day is counted). So I can only pray that today the loan is still not approved then i just need to refund the deposit to the buyer and pay 50% of full fees to my agent instead of compensate another 3% to the buyer.

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Added on October 4, 2012, 12:37 pmhmm if the loan is not approved after 14 days and i decide to pull out, why do i still need to pay 50% compensation to the agent ... anyone can shed some light ?

sorry probably i wasn't clear enough. I am definitely going to compensate my agent, he is a nice guy and I appreciate what he has been doing.  What i meant is probably it doesn't need to be 50% of the full fees which part of it will go to his company instead of his pocket.