PR application fail?

I am wanting to apply for PR but I opted out (city hall gave me a choice) not to pay the pension. I haven’t paid it since 2024. Also a couple of times I paid my health insurance late by a day or so because I misread the date. Will this deny me PR? I am married to a Japanese national for 6 years and on a 3 year visa. Self employed and wife has just switched jobs but she is 正社員.

by Apprehensive-Try-409