Hi there, thanks for writing to us on AskGuru.
The context of your question appears to be more suited for Malaysian properties.
You will find our Malaysian buying guide here useful: https://www.propertyguru.com.my/property-guides/buy-property-guide
1. Yes, you can apply for a loan.
2. In Malaysian, you may be able to get up to 100% financing or qualify for rent-to-own schemes. Some developers offer 0% downpayment as well. For the majority of the case, you can get up to 90% financing. You may use your EPF for the 10% downpayment.
3. You should have some savings to cover the booking fees which usually averages at RM5,000 and legal fees. We advise you to save up some cash first before your purchase.
4. You may use our affordability calculator here: https://www.propertyguru.com.my/mortgage/home-loan-affordability-calculator
Hope this answers your question.