Documents Needed For Mortgage Application

[Puwa]

Hi, I've been reading through the forum but haven't found the answers to my particular questions, so here it goes. Sorry if this has been hashed out a thousand times already.

My wife and I are planning to apply for a loan to build a house in Chiang Mai (probably a Bua Luang loan from Bangkok Bank). She is employed part-timr by a university here, and I have a steady income from the US. We've been married and living together for 8 years, and I have no qualms about ownership in her name etc.

My questions:

1) The bank has been vague about what documents I must furnish to show income and assets. For anyone who has done this before, what is the equivalent of a "bai nguen duen" in this situation? Income tax records? Payroll information? A notarized letter from my employer in the US?

2) I understand that in general banks will lend up to 80% of the appraised value of a property, not 80% of the asking price. Is that correct?

3) How long does it take, on average, from the time one hands in the documents to the bank's approval or rejection of a loan application?

4) My undertanding is that my income will be considered as a joint asset of the marriage, and not as the assets of a guarantor. The bank has stated that a foreigner cannot be a proper guarantor (unless his assets were in Thailand, I would guess). But the bank has said many things not all of them consistent with each other. Is this correct?

Thanks,

Puwa