Two way,

with agree of the owner, make up in the Sales and Purchase agreement, but must make sure able get value for the unit you want to purchase, or withdraw from KWSP,

no bank provide 100% housing loan nowadays, but some might offer 10% downpayment with personal loan + 90% housing loan

KWSP able to pay partially? and no saving at all? besides need to concern about the 10% you need to budget for Sales and Purchase agreement, some bank loan agreement and valuation can be added in the loan but some doesn't, so besides the 10% you need to budget extra as well

your first house? for more information

http://www.srp.com.my/

It is assume you buy subsales as from developer, they normally give this and that offer so that purchaser only need to pay about 4~8% deposit.
Besides the 10% deposit, for subsales, you also need cash for quite alot of fees and charges, for example stamp duties, lawyer fees, loan processing fee and etc, so the cash you need maybe more than 40k

Skim rumah pertama able solve if requirement is met. but gonna budget for sales and purchase agreement fees, for loan legal fees and valuation fees can be solve as some bank allow these to be added in the loan.

Now maybe you have to focus more on your profile your document make sure your dsr is not over for the home loan application.

The calculation to calculate your commitment is called DSR(Debt Service Ratio).

First of all u need to know your income:
Income Basic pay      : RM2500
Fixed Allowance        : RM500
Total                        : RM3000
Commitment Car        : RM400
House                        : RM600
Credit Card                : RM100
Personel Loan/ASB    : RM100
New House                : RM900
Total                          : RM2100

SUM:  RM2100 / RM3000 = 70% As above illustration the DSR is 70% meaning that u can get the loan. if your DSR is above 70% i.e 70.01% u are mostly unable to get the loan, but certain bank accept dsr till 75%.

Basic income 3500 after minus KWSP, SOCSO? income tax deduction?

The home loan 1500?

able to provide others support income?

It's based on SPA, 30K will be the right figure.

if rate is 4.45%
u'll have to pay [(RM 30,000 x 4.45%) / 365 ] x number of days in the month*

will be the amount of payment calculation

I believe ur spa provides for progressive release in accordance with the stage of completion of work for ur unit. Since your purchase price is rm300k, for the next 10% shud be rm30k and not rm27k. U may check the schedule in ur spa to be sure.

I presume you borrow 90%.  You have paid the first 10%. The next billing shall be 10% too based on S&P (I presume yours is residential).  The billing is based on the S&P price, not the loaned portion, so the answer to your question is RM30k released by your bank and so certainly the interest is based on RM30k too.