[Bigiron]

Is your hdb a 3rm flat?  Usually for smaller hdb flats agents will quote you 2%.  But no need to feel pressure.  Ask them to fly kite if no 1%.  And don’t sign exclusive either

Most agents are scummy

Mine is a 4 rm unit. But I want to downgrade to 3 rm . Master bedroom must have a bath/wc. 

Saw quite a fews on guru property. 

But I want to know what is the flow is .
And shall i utilities or exercise my OA full. 
If I do so Need I need to top it up with cash( if current I don't have so much) or with proceed I got from my current sales of the unit? 
1. What is the risk? 
2. Any hidden cost if I buy don't seek agent help. 
3. What legal require and the cost?
4. What will the renovation cost ? ( Max $40k)
5. Time of completion  , require of extension time cost?