Using personal loan to settle PTPTN
-No, PTPTN interest 1% while personal loan 8 to 12%, why pay more =.="

Using personal loan to buy property
-No, you will end up with more debt very easy as you have not much experience with property. Personal loan installment + mortgage loan installment + PTPTN = how much of your salary? If your income is ok, why not save up more and buy property with cash for deposit. It's not easy to get a good return rental from property with RM200k+-. (If you really found it, then go for it. If not, better don't)

My first home scheme, I think you are not entitle to get it as your salary should be more then RM3000 (since you get RM27k of personal loan)

My 2 cents.