Is it true?

Let's say there is an auction for a low cost flat auction priced at RM45k and nobody bids for the flat and I got it. So the flat is mine and the market value for such low cost flat is RM65k. I take a home loan for about RM40k and then I apply the home loan Extra according to the market value. The difference of RM20k (RM65k-RM40k), will I get it?....hrrmmmmmmmmmmmmm..........