If the house prices are okay, then you may need to know your baseline too...
Make a few Bank valuation first...please tend to make 10% lower on the offer price...and ask what is the max value for the house, from Banker...

Well...dont tend to follow what property agent said, becoz that favor them....lies are all around agent...

Usually, Property agent will crap abt sign offer letter then only giv u 2 weeks to find loan officer(for Loan Offer letter)

How I work is...
1. Check the price of the house around the same area...then note down the min and max of the price posted
2. Check out the house, call up a few agents...ask abt furnish, unfurnish...fish for low price too
**point 1-2, takes 3days -> 2 weeks

3. after viewing, call up a few banker/bank to get Loan officer contact. I will usually ask 3-4 banker. CIMB tend to be easier to get higher price, HSBC sometimes gave good rebate on approved (used to hav a RM10K loan rebate)
4. Let the agent know you look for loan officer..and no need sign offer. Well, he will say no offer letter sign mean no confirm...which is crap too. Currently is buyer market...let them wait long long...
5. Upon checking bank officer on the property min-max (obviously lowest price is the one u r looking for) Min price is ur baseline...max price is ur max price. Duh...why not..
Please bargain with bank on the BFR/BLR/BR rate, the higher (-) the rate the better
***point 3-5, takes up 2days-1 week

6. Bargain with agent/owner on the price, with the agreed price only sign the darn Offer letter...
7. Then go back to Banker and Bargain the BFR/BLR/BR rate

When the property is not urs..then is not....let agent/owner wait long long...
Buy house is a serious matter....please remember you have work for so many years just to have some saving to buy property....we gonna get every drop out of the RM you have earn, right?

Learn as much as you can on the process, mind your own business