as buyer, better go through agent to safeguard your interest, if loan not approve at least u still can get back the 3% downpayment if u wrote the term in the booking form.

sales commission is paid by owner, normally they will mark up by higher selling price. unless u wanna deal directly with owner with cheaper price, maybe about RM10-20k lesser.

I remember my friend did as agent, the buyer go contact the owner directly via neighbour and kena scold, ask him where does he get his number and information and curse him, some owner might want their privacy and prefer not to be kacau.

- engage contractor to fix/repair the property damage
- advertising at online platform and find potential buyer
- advise the owner to sell at near market price, agency normally has data of last 5-10 transaction value and giving advise to owner, some owner thought their house renovated and can sell 1mil, padahal market value only 700k. Agent need to negotiate owner and reach a price agreeable by both parties.
- filtering customer, normally they can filter based on the gross income, if high DSR is not your potential customer and don't waste time on it
- Connect buyer and seller with lawyer and banker, normally different bank has different DSR ratio, buyer may fail to obtain loan from Maybank but Ambank can make it.

Basically is like a broker job, it sound easy but when u deal with it, it is quite headache especially for newbie.