im buying a new launch RM430,000 property in subang with 90% loan. As offer, the developer cover legal fees on S&A & loan agreement.

But i will have to pay for the disbursement fee for S&P and loan agreement (is it normal not covered?). And i was told by the property agent that the disbursement amount would be around RM4,000 +/- !

I check with some online loan calculator and found that disbursement fees should not more than RM2,000 for this loan amount.

Is that any standard percentage on how they charges this fees? Am i being overcharged? Any sifu can advice on this?