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May I ask you what are the different payments for first tm buyer like myself?
Eg
1. Lawyer/legal fees 1%
2. Stamp Duty 3% 
NOT SURE whether is it Stamp Duty 3% of purchased price -$5400 OR just 3%??
3. Agent's Commission 1%
4. Down Payment 20% 
5. Legal Subsidy 0.4% of the loan amount,
NOT SURE whether is it the same as Lawyer/legal fees of 1% ???   
Please kindly advise. Thanks
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