I am about to buy a property this year but I have two concerns:

1. Currently selling off existing house. Loan settled. Got buyer pledge 2% to proceed with bank loan and so. How long does it usually takes for loan disbursement to me given buyer obtained the loan?

2. Would it be easier if I come up with the sales proceed 400k as downpayment to buy a 850k house? Would the approval rate higher if I only borrow 50-60% loan amount of the property value?