Weird that I did not share the same experience that you have with Maybank infinite loan processing time. I got mine within 5 days, it's fastest among other loans I have applied (OCBC, UOB, public bank). Personally I think it depends on the efficiency of the agent. However I decided to hold on buying the property so that at the end I did not take up the loan; I did have the loan agreement with me but I have not read it yet. From what the agent told me the interest rate is calculated at daily basis (flexi), no write in required as mentioned.
One good thing I know about Maybank homeloan is that your minimum remaining loan amount during the lock-in period just need about 3-5k. In contrast, another bank that I have encountered is that they have a condition saying that your minimum amount in bank cannot be lower than [loan amount / total lock in period in month - remaining lock in period in month].
Maybank Home loan, Full with hidden terms and condition?