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Generally it is okay. If doubt, feel free to include extra evidence, e.g. your contract (it often states exact amount of hours you should work per week), or mention 40 hours ofr a standard working week in the cover letter.

This will NOT spoil your application, that's for sure! It's an ordinary thing to live in a house that you purchased with help of bank. Moreover, there might be other credits and debts to pay off and NONE of this will make any problems for you. In your particular case feel free to put 224,000.00...

It's quite straitforward, isn't it? Put the number of years spent in school to column 2, all your college and/or university years - to column 3 Where have you received your Master's degree? If it is some University, then put all your studies into column 3. Frankly speaking, exact distribution...

"SPOUSE" is reffered to as husband or wife depending on who the applicant is. Thus in each copy of this form either principal applicant or his/her spouse (wife/husband) put his/her own name as an applicant and his/her wife/husband as a spouse. Also note that the form has an applicant's signature...

Congrats on that! Anything can go wrong at any time and noone knows before it does. I hope everything will be alright with your file, the further the process goes, the better chances you get. At least it seems you have already passed the very first completeness check and your application is put...

How does your lawyer now you will have to pass an interview? I'd order a CAIPS and check if an interview is actually mentioned in your file or not as it is often waived. No real need for preparations before you receive an interview invitation anyways.