maybe no issue, cos

buyer get 245k cashout

bank get interest income 4%

valuer get higher valuation fee

banker sell MRTT of 500k and get premium

vendor sold at desired price

Purchaser snp lawyer get more legal fee

Loan legal lawyer get more legal fee

vendor legal lawyer get more legal fee

lhdn get more rpgt tax

lhdn get higher mot fee

lhdn get higher loan stamping fee

many parties win in this game, why not?

agent will be sad, coz he only get the comm based on the nett price