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My plan is to buy a Condo while i'm single at 30 years old (Condo price: 800K)
Get married and merge income with my wife when it reaches TOP roughly 2-3 years later.

But at 30, single with an income of 65K annual plus 200K downpayment is it possible to get my loan approved? I tried using the mortgage calculators online but that bank only allows around 400k loan approval (with no other credit used up under my name).

This means i actually need an extra $200K on top of $200K downpayment. Can any guru please enlighten me?
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