It's better not to simply sign any doc.

However, if in the case that you have signed the LO and with to make any changes, ie. change loan type, property details like description & price, u can check in ur LO if there is certain charge if u want to do any amendments... but if u wish to change bank for ur homeloan i think this LO will be lapse and will not be valid... since they also can't charge u as u r not using them

Thing will get worse if u have signed the loan agreement prepared by the lawyer firm... u will be penalized on the cancellation..

You can apply many loans from various banks to compare their package. If no signed LO u do not get penalty. Even u sign it and decide want to use another bank, it's up to u no charge at all.. as i said, unless u want to make amendment to the signed LO with the same bank, then u will get prob coz they may charge u like rm200 to reapply new loan since details are amended.