Yes can find few banker but maximum I will advice apply for 4 banks because all pending submission will show in your ccris report once there's too many submission show bank will feel that you're surveying rate and the rate they approve might not be attractive and it's hard for banker to appeal for lowest rate as well. If all bank approve you compare which bank offer the best rate and their package then only decide and sign letter offer

make sure your own lawyer is any of these bank panel, 4 bank is more than enough, normally i will advice you try maybank, if you're maybank existing customer normally they will offer quite attractive interest rate.

Nop it doesn't really. depends on grading and loan amount. normally maybank and public bank able offer the lowest interest rate among all these bank. bank value can be get base on verbally from valuer which is bank valuer firm, but before bank disburse money valuer have to go to your new house for inspection make sure it's categories under the value they quote, if value doesn't match they might pull back the value and bank have the right refuse to disburse money.

if bank value haven't reach 440k and you don't feel like top up the 20k you have your right to cancel this deal and get full refund from agent side and with reason the property unable to reach the selling price bank value, and i assume those banker is introduce by this agent? or you can drop case from the banker side and find for others banker who might able help you get higher bank value, because to be frank bank value all these is depends on relationship of the banker and the value.

Yeah..means the loan is including 10k of MLTA     

So which one is better based on your professional view? hehe..

sorry what do you means by adjust the house value to higher price but they will lower the house loan %, you means mark up loan? if mark up loan you have to get agree from owner side she or he might need to pay extra rpgt for this. and higher loan amount your loan legal fees might more expensive

Normally in 14 working days you have to make sure your loan is ok and proceed with sign Sales and purchase agreement, if you signed the house loan you means you had sign the letter offer? once you sign letter offer if the deal is call off the letter offer penalty normally have to be bear by the owner as it's their fault as they want to cancel the deal out of sudden. Letter offer penalty should be around 2k it will stated inside your letter offer. even agent commision also have to be bear by owner, it's nothing to do with your side. Bank will not blacklist your side for canceling the deal just that once you sign letter offer and suddenly call off the whole deal there's a penalty charge for processing fees.

letter offer is once you accept bank offer the document that you sign. booking form is totally different thing, booking form is issue by the agent, you have to use your booking form for loan application with bank.

You have to start the loan servicing when your loan has already been disbursed.

Property Value: RM 1,006,000
Loan Amount: RM 750,000

Income Per Month (Me and GF: 31yo and 28yo) - Joint Application
Both are Fixed Income Earner working as Internal Auditor and Account Exec
1) Me - Monthly Gross: RM 5150, Net: RM 4395
2) GF - Monthly Gross: RM 4025, Net: RM 3498
3) Both of us - Combined Bonus Received in latest 12 months - Gross: RM 21k, Net: Approx RM 16k, supported by latest 2 yrs EA form
Existing Commitment
1) Car Loan (GF) : RM 619 monthly
2) Housing Loan (Me): RM 1058 monthly
3) Credit Card Outstanding (Combined) @ 31/10/2021 (as per latest ccris): RM 10,000 * 5% = RM 500
**If able to drag 5 more days until 30/11/2021 balances are updated in ccris, card outstanding will be RM 2,000 * 5% = RM 100**
Just suppose 31/10/2021 ccris reports to be referred by bank, ok to secure 35 yrs loan?

5% is the minimum payment per month.

But banks will also take your total outstanding into consideration