I have received letter to collect keys for the 3 storey semi d 2 weeks ago, quite ridiculous, because I have not even finalised the S&P. And Mah Sing has already started charging me late interest payment of >RM10k, because the bank has not released the loan, but come on, how can the bank release the loan when the S&P has not been concluded and stamped? They gave me 14 days to collect keys and make all remaining payments, otherwise penalty again, but how can I collect key and pay all quit rent etc when I am still legally not an owner yet?

Now giving me stress, have to look for Mah Sing for waiver etc

You can ignore that letter incl the late interest payment. I received the same and when I called MS, they said the letter was sent automatically = basically their system not able to differentiate new buyers and those who bought long ago.