I was bed ridden for a bit though due to dengue. But I was very concerned about my clients' applications though since there were some that I had to KIV. Buit all is well now, I am close to 100%.
1. Yes, the max MOF for refinancing is capped at 90% of the MV for most banks (some banks cap at 80% or lower) and it is POSSIBLE to finance/loan only 50% or lower than the MV of the property. The banks prefer it that way too, you pledge a 100% property, but they only need to give you 50% of the MV to you in cash...

2. Yes, it is possible to put someone other than family members for a joint loan. This is a grey area that I would rather not talk about, but if you say a random person is your "sister-in-law" that wishes to joint-loan or apply for the 3rd party loan on behalf of your property, how are we supposed to prove that the person isn't your sister-in-law?

But remember, the banks have the rights to reject any loan application if they feel something amiss. For example, the SPA name is AHMAD, but the "Sister-in-law" is Ms. CHAN, the bank may require further proof of this relationship :
THis is a grey area, but I will speak my mind since sharing ideas is not illegal. It is possible to apply for CASE 2 from different banks than you applied for CASE 1, and when you accept them at the same time, the banks wouldn't know that you have these loans accepted together.

I know those who have 5 90% loans that he took all at the same time.

For some banks, will follow the younger one, other banks will follow the older one.

That means the maximum would be 35 years tenure. As a mortgage broker, I will propose the right banks for the right client situation.
It will take time for the CCRIS to be updated since there will be an internal paperwork to be done before the bank will update the "loan acceptance" to the CCRIS.

This is a dangerous game though, a grey area that have been done but I wouldn't put all my baskets into it.

In reality not so possible.  Big amount of personal loan mostly are secured - unless you have so many unencumbered assets for the loans.  Further, before loan disbursements, the banks may do another round of CCRIS /CTOS checking. So if notice a sudden huge build up of indebtedness,  the banks reserve rights to withhold disbursements.

I would like to add on... the DSR computation shall be based on net pay, i.e. after the statutory deductions for EPF, tax, socso.
DSR can be even higher than 75% but that's for high income or high networth group.

Hi  Snailly,

The max property value is RM 470k and below
Fyi, Credit card also calculate as commitment.