1. Deposit for House C shouldn't be forfeited if you can prove you cannot obtain financing.

2. Name on property doesn't have to be the same as name on the loan. Borrowers ability to service the loan is more important to banker. Ask banker or mortgage agent for more details.

3. MRTA depends on who is servicing the loan. If both your income is needed, then both should buy insurance.

1. I thought it's the deposit for buying from developer. If it's the earnest deposit for subsale, then it's buyer's responsibility to follow up with purchase of property.

2. Like I said, banker only cares borrower capability to service the loan. Since you said you have issue obtaining loan >300k, you can't take the loan with just your name. For your case you don't have to put both names on the property S&P/title if it's not necessary.

3. I'm not sure about the EPF for spouse thing, am not familiar about the EPF for servicing interest nowadays. But you have the option of not putting your hubby name on house C so why don't you check with EPF first?