Hidden Costs in Buying Properties

Though I'm in the real estate industry and understand the costs involved in buying a property, I was caught offguard at some of the other hidden cost (related to property, but not really within property line) that was involved. I'd now like to give a run-down on what you should be expected to pay when buying a property.

Property Price - RM200,000
Downpayment - RM20,000 (10% of total cost)
Bank Loan - RM180,000
*Note: Most of the time new properties have their own panel lawyers and banks, and most of the time, the developer pays for the Lawyer Fee for the Sales & Purchase Agreement.

What comes out from your pocket....
Downpayment for property = RM20,000
Lawyer Fee for S&P = RM2,000++
Stamp Duty for S&P = RM3,000
Disbursement for S&P = RM200 - RM5,000 (here, the Lawyer have a field trip on charging exorbitant price for disbursement ie. RM70 for faxing, RM60 for editing, etc.. very similar to what an accounting firm or consulting firm would charge for disbursement)
MRTA = RM2,000++
Lawyer Fee for Bank Loan Agreement = RM2,000++
Stamp Duty for Loan Agreement = RM900
Disbursement for Loan Agreement = RM200 - RM5,000 (again, lawyers can go wild)

And went wild my developer's lawyer did!!

Belardy photostat and phonecalls costs them RM60 and RM70 each! I guessed they must have used superbly high quality ink extracted from Mont Blanc pen, and importing the said photostat machine from Australia and therefore there are shipping involved.

Basically, with the developer already paying lawyer's fee for S&P, my disbursement for the S&P itself is RM2,400+... and lawyer fees + disbursement for loan is RM3,000+.

In total I had to actually pay an extra RM5,500+ apart from my downpayment and MRTA (though lawyer fee's paid by developer).

In a nutshell, beware the "hidden cost" which is actually the Disbursement! That's a really scary word now.