Read the term and conditions. Some bank cover fully all outstanding cukai, maintenance fees, sinking fund, fire insurance and late charges penalty. Usually foreign bank like Hong Leong, SCB, Citibank very generous and will cover all.

AmBank cover partial. Only maintenance fees will cover. Sinking fund and cukai need to own pay.
PBB cover the outstanding with a limit cap base on the value of the property.

Utilities bill you need to pay. TNB, SYABAS, Indah Water. There are ways to check.

Your 100k statement is wrong. It is too general. Mostly will be the same cost involve like buying from subsale. Here I put down the cost:
1. 10% dp of the final winning price. rest 90% using loan or (70% loan + cash)
2. Legal fees for DOA & Loan Agreement. (lelong no S&P so legal cost will be slightly lower compare to buying from subsale).
3. Stamp duty (MOT & Loan).
4. Valuation fees.
5. Outstanding utilities bill.

You don't have to pay the agent a single cent, the auction bank will pay them. They just assist you on checking your document and make sure you qualify for the bid. They get nothing if you lose the bid.

Fully furnished lelong unit. What are the odds?

dont simply say and pretend dumb here, read the tread, people are catching dead chicken here for those auction after VP. below launching price and can view because the dead chicken very 'Fresh'......Fresh dead chicken to catch, don't miss the opportunities.

do your homework before comment.

just check auction unit shared here, all are in great discount, which one not real, which is inflated price, simply comment without fact...

just  want to let you know what is reality and stop dreaming...

Any registration done with "agent" is not counted, is not valid actually.
Real actual registration need to be done 30 mins before the auction start, that's the usual cut off time.
You need to submit in your banker cheque in.

If you are still in doubt, then just dont submit the cheque in, that's all.
Don't worry you wont be black listed coz you havent even register at all in actual fact.
p/s: unless is an online bidding. current new trend now. then yes, you must register before hand to entitle to bid via online.

malaysia style, change mind last minutes ma. he wanna ask for the cheque back but cant. die die must wait bidding process finish only can take it back.

Indicate loan interest will soon be over 5%.

No correct answer. Refer to the proclamation of sales. All depending on the bank. But general answer:

1. Most banks will cover fully those outstanding.
2. Some banks will cover partial.
3. Some banks will not cover. 
4. Also got case when the reserve price drop to too low, the bank update the POS from fully cover to no cover those outstanding.

Someone has to pay.

The bank can be generous if the auction price can cover the outstanding loan or if the bank wants to quickly dispose off after several failed auctions.

The borrower / current owner ...  not likely cause not willing to spend more money or no money.

So left the winner at the auction. Bid only if willing to pay if bank is not paying.

Dont forget the outstanding tnb,  water and sewerage bills too.

Heyyy....u bought it at wayyyy below MV...bayar laaaa 

Depends on what type of property also. I did this before.