1.No longer first-time home buyer
2. Yes, it will affect, but still have to take into consideration of other factors and for the price of the property that you are gonna buy, this loan amount usually comes with higher rate as well
3. Not really, as mentioned in No.2, this is not a big amount for bank so the rate won't go too low or else they are not profiting, banks are not NGOs for sure
4. Getting a credit card will help but you will have to proceed for another 6 months at least, I thk FD pledge might be a better help if you need it faster, can engage with the bankers of the property that you wanna buy and seek for their advice, they are way more professional and will help you in every way to close the deal

Wish everything smooth for you to get the desired property