Need to get some info before go for it.

Few questions here:-

1. My net salary is about 5k plus, so what is my DSR?
2. Currently got 1 housing loan joint with my wife, so the commitment is solely park under me or share by half?
3. Annual bonus is it consider as a income? If yes, what should I provide?
4. How to derive monthly income from BE or EA?
5. My income is higher in EA/BE compared with monthly salary slip due to the bonus, so how is bank going to justify my income? base on EA/BE or monthly salary slip?

Thank you.

What are the banks doing 3rd party loan? Mean SPA joint but loan side solely.

Currently applied a housing loan for undercon project with HSBC, and the banker replied me that my case was provisonal approved and waiting for EF to generate LO. What does it mean? The approval is confirmed or may alter later? Normally how long to get the EF?

Got my loan offer as below, which one should I go for and why:-
1. HSBC @ BR 3.89 + 0.56 = 4.45%
2. CIMB @ BR 4.25 + 0.40 = 4.65%

MOF & tenure are the same. How will the new OPR affect on my loan? Need some advise, thx.