Hi sorry. would like to ask if I can qualify for this house loan

My salary + spouse salary at 7.6k. Bonus is confirm in our contract of 5 months every year

House value at 900k with down payment of at least 100k ( can be up to 150k).

We both have 2 cars. One is at 80k for 9 years repayment at 800 (750+ actually but I pay 800 every month) for a year. Another is 90k loan 3 year ago but fully paid off via cash last month.

My spouse has a house under his name but it's a family house. Fully paid with No repayment needed.

Was planning to do a 30 year loan or 25 year loan if possible.

Is it possible to obtain Loan? Cause I'm worried That the bank may say that I 4k monthly installment ( which I calculated based on 4.35% br at 780k loan amount).

I am also worried I can't get 90% loan because my spouse is considered this house as a second house. For me is the first house

how do I best secure the loan?

Btw. I'm 26 and my spouse is 25.

Thanks in advance!

This post has been edited by kanzakicyn: Jun 21 2015, 12:30 AM