Without looking at your eligibility (DSR), the top three packages for ur case is Home Smart-i from HSBC (4.35% interest rate), followed by CIMB Islamic Flexi Loan (4.40% interest rate) and also I-Wish Flexi from Alliance Bank (4.40% interest rate also). However, i am not sure whether ur DSR eligible for these package or not.
I think u can try to check your housing loan eligibility via online calculator. Btw, u can also compare all the housing loan packages in Malaysia via online. The comparison result i shown in above is also searched thought online.

Answer 1: Ya, it is possible as long as ur individual income not more than RM5k and ur property price not more than RM400k. However, there is also maximum age requirement for this scheme which is 35 years old. Maybe u can refer to this website for more info on the scheme:
http://loanstreet.com.my/learning-centre/f...rumah-pertamaku
Answer 2: Ya, joint loan is better. It may help u to increase ur chance to qualify for a loan, and may help u to have more chance to get a larger loan size. However, for ur situation, u must remember do not put ur fiancee as the main applicant of the loan, coz the margin of finance for most of the bank will be reduced to only 70 to 80% if the main applicant do not have any credit history.
Answer 3: I think it is not quite possible,,coz all of the banks will only give to 90% to the borrower in most of the situation. And u said that it will be done if you ask the owner to increase the price,,but dont forget that the bank will do the valuation for the properties, if the bank is unable to give the value that suggested by the owner (lower than the price suggested by the owner), then eventually u are unable to get "100" loan also.

This post has been edited by blackswan88: Apr 14 2014, 04:07 PM

Maybe u can try the first home scheme (skim Rumah Pertamaku), ur requirement is quite suite for it. This scheme is specially make for first time home buyer like u. And one good thing for this skim is that it provide 100% loan, means u dont need to pay any down payment. But remember that the maximum property price that eligible in this scheme is only RM400K, in ur case, it think u do not have the problem. And one important requirement is that ur age cannot exceed 35 years old.
Hope this info can help u