Scenario

1) A sell house to B, didnt go through developer/agency. Deal direct but go through proper lawyer to do SNP.

2) A wants 20k in cash from B upon signing of SNP (this is separate from the 30K downpayment), while waiting for loan to release by bank.

3) example, SNP RM330k. Loan RM300k. A wants 20k, then bank loan release 300K to A.  A will give a cheque to lawyer for this 20K while waiting for loan reimburse. once reimburse, B will bank in this 20k cheque to get back to 20K advance.
questions is

How risky is it to B? if lets say A cancel the cheque for the 20k when loan reimburse, will lawyer side able to do anything? or its solely between seller and buyer?

If after signing SNP, A gets the 20k cash, does A still got any ways to cancel the SNP and pull out from the deal + run away with 20k?

Normally the property is caveat once entering Snp, so if seller doesn't return the earnest deposit,  buyer has the right to caveat,. Once caveat, the property cannot be sold.

Every Snp has own risk of default, that's why lawyer always draft clause of forfeiture clause on earnest deposit.

Agent fee is payable upon signing of snp under the BOVEA guideline OR consent from local authority if is a lease property.

No. 2 is irelevant.