1) I'm not familiar with Malaysia's banking system. Thus a bit confused about your descriptions.
2) In SG, only the owner of the property can be a mortgage borrower. The reason is simple, if the borrower is unable to pay the bank, the bank can takeover the interest of the property.
3) I take it as you declare that you are no ownership of any property in Malaysia. Therefore you are not affected when buying a resale HDB flat.
4) Like I said this does not work in SG, maybe is workable in Malaysia like your case. The HDB is only concern about your ownership of local and overseas property but not on the mortgage you are holding.
Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636, or email: email@example.com if more information is needed.
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