Subsale

Before going in, then check sendiri pocket.

House deposit 10%
Spa + loan financing cost + mot (for 500k case example, ready 25k)
Prepare renovation and repair fee if needed

2 path, Engage a licensed agent, or direct deal with owner thru lawyer.

Since u r going to take bank loan, engage a licensed agent is easier for u as u can apply loan with booking form

Agent route

Make sure property is dont have complication like bumi to non bumi.

1. Engage licensed agent, got REN number
2. Deposit 3% to estate company clients account.
3. Sign LOCS, get all document related to property
4. Apply loan
5. After loan approve, then find SPA lawyer to represent u.
6. Lawyer do checking, and draft spa
7. All ok, then Sign spa,  u pay 7% balance
8. Wait bank release balance, then when 100% u get vp. Agak agak 90 days

This is just summary, got more nitty gritty details