How buyer want to pay extra but no cash?

If buyer can loan the 20k, i dont see any reason why cannot increase the deposit amount.

We cannot speculate what is not mentioned. Advise is based on what ts posted.

Ts concern is to safeguard his 20k only.

'If' want to speculate, this thread can go to 100 pages.

Whether is loan or cash, final disbursement sum is always to the purchaser's lawyer and to be forwarded to the vendor's lawyer if he is represented.

The fact of the problem is on page 1. I dont think I made any assumption in answering replies. I cannot read ts mind but you did an assumption that ts wanted back the 20k for reno and squeezing ....blah blah.

TS didnt mentioned that he wanted bank the money for reno. TS is only concern that the seller will not return the money if something goes wrong.

You inform the buyer that you will sell the property to anyone who pays you first since you dont have any contractual document (booking form) with him. Treat this 'buyer' as non existence. You cannot be waiting for his answer while ignoring another potential buyer. You can also change your mind and not sell anymore. You can also change the price, but this not gentleman.

As for the 100% loan and 10% deposit, you are right.

As for the geran, is normal as bank wont process loan application without it. After all is just photocopy. He can also get it at land office but troublesome.