It would depend on the developer, as to whether they'll consent the transfer of ownership for the property that's under construction.
Also, do bear in mind of the lock-in period of your bank loan. It usually comes with a lock-in period, and there's penalty for early settlement/breaking the lock-in terms.
Here's an article on Perfection of Transfer and Perfection Of Charge, which could prove useful for you: https://www.propertyguru.com.my/property-guides/your-simple-guide-to-perfection-of-transfer-and-perfection-of-charge-24378
Hope it all goes well for you!