Option 1
If its a landed property some banks can give u 95% (maybe 100%) loan. 95% loan is 294,000

This way u only have to topup RM6k + RM33k.

Option 2
Try another bank. Once i really need to get a higher value, i tried at 14 banks. A few got the the value i want, and a few gave me the margin i want. Foreign banks might have foreign valuer which is abit more lenient