You settle all, if you want to get everything smooth. Includes any outstanding maintenance charges.

Why bank wants to reimburse you?

Utility bill no.
Electric, water, indah water all is utility bill.

best is to check with the auctioneer or read thru the proclaimation of sale

some case, the outstanding is so huge, the bank only absorb up to certain amount. its stated in the POS.

of course, if your case is new VP property. may not be high.

but sometimes , some bankrupt developer, has some outstanding balance purchase price owing like 2.5% or 5% (cant remember) to the bank... and again, this is clearly stated in the POS also.