Depends on what is agreed between you the developer whether they'll be paying for the cost of the SPA / Loan Agreement.

If it's not borne by them then you're liable to pay for it either by cash or through loan borrowing.

Do check with your developer what's package they are offering now. Usually SPA will show breakdown of purchase price.

Entry fees such as legal fees on SNP & loan, MOT, misc fees.

You will need to pay for your loan as the bank pays out to developer in stages. Not when upon completion.

During construction stage, you are required to pay interests base on completion stage. Upon completion, you will start to make monthly installment according to bank's offer letter.

Depends on ur profile, 4.5% - 4.6% is the lowest at the moment, if you don't like the package offered, you can always go to other banks

It should be 4.5% - 4.65%, subject to scoring. You may look for other bank panel to empanel this project but turnaround can be easily 1 month and above. And interests may not reach your expectation. But no harm to try.
I suggest you to do pre-assessment before starts to apply loan. You may share you and your wife financial status to us and we'll simulate loan eligibility for you. 

pros
- increase capacity of borrowing.
- monthly installment will be shared by two of you

cons
- if there is any default payment occurs, both of your CCRIS will show missing payment in action.
- if any sudden event such as death/total permanent disabiliies or divorce, one must responsible for mortgage repayment.

Not necessary lower loan means higher interest rate, I've my clients getting 4.6% for loan amount 200k just 2 days ago

That would subject to your personal scoring. Pre-assessment on your loan eligibility will help you to determine which bank giving you highest chance to approve the loan and also interest rate. Any other panel banks aside Ambank and CIMB?
My recommendation would be each of husband and wife insure themselves full coverage as debts cancellation and income replacement.

Debts cancellation is to pay off your mortgage and redeem your property. (Please do redeem your property or else your property will be still under bank's name even you have fully paid off)

Income replacement is to cover daily expenses of next of kin. This will give them a peace of mind especially kids in study.

The project ADPL license is not approved yet that’s why you can’t apply for the loan first.

When you buy a property with the developer, there are only selected banks you can apply the loan with depending who the developer engage with the particular bank to get financing, therefore you can only apply with these banks once the APDL is approved.

However you may still submit your relevant documents for loan application while waiting for the APDL to approve.

Because the APDL is yet to approve. Once approved bank will be able to process your application. You may compare rate between Affin bank and CIMB, subject to loan amount and scoring.

You may try to submit the loan with the 4 banks first. Interest rate is subject to the banks discretion and your loan profile.

SPA = A
Loan = A + B

Can be done.

Yes，this is what we call 3rd party application.

Example :

SNP : A +B
Loan : A/B

or

SNP : A/B
Loan : A+B

Max Loan 358k since you've adjusted your details

Different bank have different risk DSR that they will consider. Some give higher, some lower. Depends on which bank you apply with.

Don't know, I'm not panel with Bank Islam, ask them instead since you are dealing with them

Because lifebalance is using 80% DSR as his benchmark, which rarely apply to low income to mid income earner. Usually this privilege only applicable to net income 7.5k and above.

Please find your loan eligibility as below.

DSR
60% : RM 194,456.62
70% : RM 301,156.40
75% : RM 355,046.19

You may aim for 70% DSR to safeguard your application. Of course, subject to approval.

  I've calculated your loan well enough to afford 200k la.