to withdrawn money from efp, u need to produce the stamped s&p.

as u are buying a subsale, all the payment term is arranged between vendor (seller) and buyer.

in market, there are gomen servant who actually manage to only pay 2% booking fee (earnest deposit) and the rest is by gomen loan.
lots of owner are comfortable for it.

if u want to convince seller to sign the s&p and he receive no payment at all, chances is very slim, u just put urself into his shoe.

but maybe u can propose to him i.e
1. u bear his portion of legal fee for s& p, will not be much ard RM1K-2K. (but this also mean u need to pay extra money upfront)
2. slightly higher selling price.

TS, pls update us on the status.

just curious whether seller is agreed to any of ur proposal.