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sbi home loan max gain

sir i have following questions.
1.i have applied for maxgain loan of 30 lakh today.i am having sbi saving account in mumbai but they said my maxgain account will be at other branch but in mumbai only.is there any problem in future for fund transfers in these 2 accounts?
2.is it posssible to close maxgain account by prepayment before the tenure,or i have to continue it till the tenure completes?
3.my wife is not a co-borrower today as she is not earning now,but in future she will earn,so is it helpful to add my wife as a co-applicant and what are the pros & cons of doing so?

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