Kkumbhakar,
As per your statement i think that you are employee of partnership firm. You must have account in some bank where your employer is depositing your monthly salary. It is advisable for u to approach your banker because he knows your monthly income & expenditure very well. As far as negative response of banker is concern, i state that it depends on your monthly income. Every banker gives thought whether the borrower is capable enough to repay my loan in time or not. I think your loan demand must be on higher side as compare to your monthly income. Pl do not try to purchase a house which is beyond your repaying capacity because it is not the question of 2 to 5 years but it is a long term loan of 10 to 15 years.
A. Prakash