Lets say my wife is earning RM6k, and I'm earning RM10k.

My wife has 1 mortgage with RM2k commitment per month.

Now she is planning to buy another house with monthly commitment RM4.2k.

Will the loan pass if I'm being her guarantor?

Recently got loan approved at a good rate (spread .27).
Applied 15k for 33 years MRTA on this loan to get that rate, funded into the loan, as advised by the officer. By default, MRTA not compulsory.

Insurance provider requested us to do medical check up and if I didn't revert before 90 days, the application is not considered taken up.

My question is:
What is the consequence if medical check-up failed? The 15k loan cancelled and we will pay lower monthly installment? Or still pay the same?