Hi Sifus,

I am planning to buy a freehold condo worth RM 600k as a first time buyer and it is a subsales property.

What exemption am I entitled to get? I understood stamp duty exemption is covered only for new project or subsales property below RM 500k.

Can help to provide an estimation and breakdown on all fees (bank charges, legal, etc.) to be paid by me?

Thank you so much..  

Is there any way to get valuation on subsales property below market price so as to be able to get stamp duty exemption?

Why I will be taxed if I buy a property at 550k or 600k and sign SNP at 450k? If the bank values the property at only 450k but owner charge me 600k, can I get the stamp duty exemption? the extra will be paid by myself and fama (father and mother) loan...

What are the next processes after signing the offer letter?

Is the processes below correct?

1) Check eligibility of loan (based on salary, etc)
2) My lawyer will concurrently deal with seller's lawyer on the SnP agreement (Questions: What documents to be provided by owner? And how long does this process takes?)
3) After SnP prepared and signed, I have to start applying for bank loan (remaining 90%) and apply EPF for withdrawal?

Appreciate your kind response...