Residential are exempted from GST, however, some of the materials used during the constructions may be charged GST by the supplier, so there might be chances where developer increases final selling price to adjust to the extra cost incurred.

Here's an article which illustrates the differences: http://loanstreet.com.my/learning-centre/H...Property-Market

Bank loan is not subjected to GST but bank loan processing and other services such as MEPS provided by bank is subject GST.