Congratulations on your purchase. Before I proceed to comment, may I know if you bought it directly from vendor or through a REN? And may I also know your location ?

Vendor : seller / owner
REN: real estate negotiator

i just bought a subsale landed semi-d

i want to confirm/understand on the paper work process (maybe other related process on buying subsale property)
1. get a lawyer and pay 1k deposit for lawyer start working for you
. This one very subjective. All lawyers have different practices

2. pay 1% deposit to lawyer  to book the property
Normally agent will ask for 2%-3% for earnest deposit. But again it’s depend on negotiation between both buyer and seller.

3. pay 10% to lawyer, then lawyer transfer 10% to Seller
Normally for the deposit of 10%, it will deduct the amount paid as earnest deposit and balance to paid to lawyer. Lawyer will normally need to retain 3% for income tax purposes (waived in 2021 if eligible for RPGT exemption) before releasing it to seller the balance. And if there’s other outstanding fees by seller to town council on assessment or quit rent, lawyer might deduct the amount too, subject to seller instruction.

4. Buyer sign SPA (sign Facility agreement(FA) aka Loan agreement at the same time)
Preferably this arrangement la.

5. Seller sign SPA
The balance amount (3) will given to seller after they sign the spa.

6. Lawyer send the Facility agreement to Bank for bank to sign ( certain bank need Lawyer to key-in into bank's mortgage system as well)
7. Bank return the Facility agreement to Lawyer
8. Lawyer get SPA and FA stamped
9. Lawyer sent FA back to Bank
10. Bank instruct 3rd party Valuator to evaluate the property
All above correct

11. Evaluation Report (ER) will be prepared and hardcopy will be sent to Buyer and Bank each
Buyer will have to pay the cost of ER (not sure if it’s the same for Penang on this).

12. Bank's insurance company to perform checking on Buyer medical status before proceed to approve the MRTT/MLTT
13. once MRTT and ER comes bank no issue, Bank start release money to Seller's loan bank first to settle outstanding loan and the remaining to Seller's own account
The monies will be send to SPA lawyer to distribute to all parties

14. Buyer can get key from Seller
After clearance, do final inspection before keys handover

15. Buyer need to do name changing for TNB/IWK/Water/Assessment/Quit Rent
Assessment n quit rent normally laywer can do for buyer. But for utilities, then buyer need to deal with it themselves.

do i missed out any steps?

add: if Buyer find own bank to get loan, need prepare 3-4 copies of needed document to apply on different banks
Buyer can find own Lawyer too, some Lawyer gives some discount and do good work
Most bankers can accept softcopy docs from buyer for loan application. Buyer can find own laywer but don’t expect your agent to follow up for you unless you instruct your lawyer to give full cooperation to the agent. But of cos it depends on the kind of agent you dealing with. Not all agents will do proper follow up for their client.

Actually the Valuer appointed are bank panel Valuer also. For insurance side, I am too sure too as we don’t deal with it.
For valuation report, most bank even before they get the report, they have already offer you a loan based in indicative valuation. The Valuer are assigned to confirm on the value based on the report they submitted. The Valuer will make arrangement to visit the property, take photos, do some measurements and go back to prepare the report then submit to the bank.