1. In your case, you can get up to 90% of the 1.2M house price. Rebates are from the developers, as long as the banks do not know about this you would be fine. Essentially, you will get RM1.08m in loans, and you will get RM180k in cash from the developer (partly used to pay your downpayment).

2. Yes, as per normal bank practice, higher loans will usually entitle to better spread when you are quoted the interest rates, thus giving you a better effective interest rates.

3. When the BR change, your effective interest rates (EIR) would also change accordingly. For Maybank, the BR is currently 3.2%, and a client of mine is offered BR +1.25% which is currently translated to 4.45% EIR. If Maybank changes its BR to 3.4% in the future, that particular client's interest would STILL be calculated at BR + 1.25%, but since the BR has increased by 0.2%, so will his EIR increase by the same quantum, which is now calculated at 4.65%

4. Yes, I can help with application to 5 major banks in Malaysia: Maybank Ambank Alliance HLB OCBC, at no charge as I get my commissions from the banks.

Faiz +6 013 369 3993