Max loan tenure is 35 years but if your age is over 35 then loan tenure is 70 - your age of next birthday.

I just got RHB loan offer for 28 years since my age is 41 now.

income 13,000-15,000 / mth?
Confirm can get la. With your wifes name I think should be no problem.
Assuming 3.1% at 35 years and 130k dp... RM 2,420.81/month mortgage payment commitment.
You are gonna need like another.... 30k(?) for the various fees n duties n all that ya.

For your initial question, just call or drop by a bank, they will give you a quick answer.

Personally, I would minimize the dp, then put (prepay) it into the flexi loan. Whenever you wanna withdraw can.
Infact you put that money into EPF also almost certainty make better returns by 65.