Iam on tier 1 visa my wife general visit visa got refused 2w

[faislondon]

Hi,

I applied for my wifes general visit visa back home and got rejected first time saying that one of my accounts was overdrawn and I didtn explain them my immigration circumstances after 18 march 2013 which is when my visa expires in UK. I reapplied again giving all the bank accounts no overdrawn £4k plus balance here and back home joint account having £1500 plus. Also provided my back home property papers for the tie with the country. Now they have rejected again saying that since she is a house wife money does not belongs to her and she dosent has enough ties back home. Also that my visa expires on 18 march 13. They do not know my immigration status after that despite of explaining them that I will get my ILR.
Shall I wait untill I get my ILR nad apply for family visit visa or shall I apply for dependent visa after. I dont want to spend lot of money on dependent visa considering its expensive option and she does not wants to live here due to the family matters back home.

Gurus please advise.

Thank you.