Q1
1. Secure loan from a few banks.
2. Get a lawyer to prepare your S&P and loan agreement. Get both agreements signed within the stipulated timeframe as per your booking form (normally within 14 market days), after you have bank's letter of offer in hand.
3. Upon signing S&P, pay remaining 7% together with legal fees.
4. Rest lawyer will deal for you. If all okay, wait to get key.

Q2
50% stamp duty is for residential property within RM500k. This can only be used once in your lifetime.

Q3
Yes, but only for residential property. Need to submit to kwsp after S&P signed. So anyhow, you have to fork out money for downpayment.

Tips: If you have outstanding PTPTN, please clear it first. Else, securing loan from bank will leave you with lots of trouble.

Not really, PTPTN loan will become part of your fixed commitment. You need to have higher income or settle that loan first.
With PTPTN loan still hogging your record, you still can take a housing loan, just that you may not able to secure your loan amount.