I have ALWAYS SAID that the bond amount should be ADDED to the asking price. That is the ONLY WAY to compare apples to apples when looking.
When we purchased a home, the bond was 100% paid off. As a prudent buyer, ALWAYS DISCOUNT THE OFFER by at least the amount of the bond (then additionally whatever you feel is prudent to make the offer remain attractive to the seller).
Be an educated buyer or be a sorry buyer - your choice.
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