1) Not necessarily, but would be better if you started to engage 3 different banks of your choice, start talkint to their loan officers to see who would give a good deal, usually if loans less than 250k CIMB has good rates but don't take my word on it

2) Lawyer is a must but usually you can use the same lawyer as either the bank or the seller or developer

3) Downpayment, lawyer fees, bank fees, you could estimate it to be around 15% of your property price as a rough guide

Who are you buying from? Is it a bumi lot and are you bumi? Is the block mainly local residents or students or renters, is the property completed as some property get abandoned and you get stuck with a loan and no place to go. Do you signs of cracking, how is the management and maintenance.... lot's of research to do my friend

edit to change 3%-4%- 15% to include downpayment

This post has been edited by kutitata: Feb 24 2017, 04:59 PM