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Also, are the two agents assuming the same condition and buyer pool? A renovated villa that suits financed buyers may not be comparable with one needing substantial work. Your own motivation matters too. If you can wait, testing higher has less practical cost; if timing matters, losing the...

I would lean toward the price supported by recent completed sales, not the highest asking prices still online. Ask both agents to show comparable villas that actually completed, plus listings that were withdrawn or reduced. Keep the neighbourhood boundary tight: crossing one main road or falling...

If contractor control is the priority, I would request the credit first, subject to written lender approval. A price reduction can look equivalent on paper without putting S$17,420 in your repair budget. Give the lender the inspection findings and proposed concession wording, not just a verbal...