im applying housing loan joint venture with my wife

my salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330
i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house

boon do i need to pay $$ to extract ccris? also for the pass 3 month i miss by fewdays my payment (i think so), so it will show 111, i only owe cc about 22% of limit and house loan, but the house loan got no due date one since its od facilities.