₦airaland Forum

JMG12:
Which of the loan companies did you use? Was your admission conditional? If you plan to reapply explain the loan and give a comprehensive repayment plan on your letter of explanation. if the loan covers for the tuition only, no matter the amount then you need to show living expenses and miscellaneous funds.

The loan is from a bank and covers both tuition and living expenses. The admission is unconditional. Thank you for your advice; I will implement your suggestions in my next application.

sternakin:
Aside Submitting the documents pertaining to the loan, did you explain details of the loan in your letter of explanation? As in what it covers, disbursement and repayment plans.

Those officers do not have much time to be pulling out details from documents, LOE should that and the documents to acknowledge the details.

Thank you for your advice; I will implement it in my next application. In my previous application, I mentioned the amount that the loan would cover. I would appreciate any further advice or suggestions you may have.

bullstriker:
The officer may have missed the loan part, as it was not mentioned in the GCMS note. Could you get the bank to pay tuition? All the best

I could request the disbursement of a small amount (500$) to demonstrate the genuineness of the sanction letter, would it work?

bullstriker:
The officer may have missed the loan part, as it was not mentioned in the GCMS note. Could you get the bank to pay tuition? All the best

What steps can I take if the visa officer may have overlooked the loan approval? I have already raised two webforms regarding this issue, but I have not received any response yet. The loan disbursement is contingent on my visa approval.

JMG12:
If you have receive your GCMS note can you share on the thread, so all to see and make comments.

I have attached my refusal letter and GCMS note below:

Image 1: Refusal letter
Image 2: GCMS note

bullstriker:
What is the duration of the program?
Did you do GIC? If yes, what was the amount?
Did you pay part of your tuition fee? If yes, how much? And did you the get the official receipt from the school?
Was the loan from Mpower or a bank loan? Ensure you mention precisely what the funding covers, how much will be provided per period and when it will be disbursed. It looks like your application lacks important details.
N/B: The Officer mentioned there was no proof of GIC and tuition payment

I am enrolled in a 2-year program, and I have attached a fee receipt of 500 CAD from the school. The funding is from a bank loan which covers both tuition and other expenses (mentioned in my previous visa application). The loan is disbursed according to the school's demand request and transferred directly into the school's account (I forgot to mention this detail in my previous application).

Thank you for your input, guys.

TradeSunMoore:
The VO is not convinced you have funds for your study. The property valuation only serves to strengthen asset base/home ties and not available cash. Although applicants have used loans disbursement as evidence of fund and approved, I suggest your father show cash for 1 full year of tuition, 1 year of upkeep which usually come to around 50M or more depend on the school fees this days. He will then shows evidence of how you will be supported in the second and final year.

Thank you, I will try to implement this in my next application. Is there any alternative to liquid funds, as the IRCC website mentions that loan approval can also be accepted as proof of funds?

TradeSunMoore:
Use your father your sponsor if the means is available. Let him do a letter of sponsorship as well as an affidavits of sponsorship. Let him provide you with his bank statements showing his sources of income and support this with documents to show his sources of income eg employment letters, payslip etc . Other can add. Thanks

Thank you for your response. In my previous application, I submitted all the documents you mentioned for sponsor's . Additionally, I provided a loan approval for 110,000 CAD, which was sufficient to cover all of my tution fees and expenses. My tuition fee for the first year is 31,000 CAD. Along with this, I also included a property valuation report indicating assets worth 350,000 CAD. However, I noticed that the sanction letter for the loan was not specifically mentioned in the GCMS notes. Could this imply that the visa officer may have overlooked it? I am wondering if this omission could have affected the assessment of my application.
attached my refusal letter if it helps to come to any conclusion.

Hey guys,

I really need your help with my student visa reapplication. My first application was refused with the generic reason "not likely to leave Canada after study." When I ordered my GCMS notes, the real issue turned out to be "insufficient funds available."

In my initial application, I submitted an education loan approval/sanction letter that fully covered my two years of tuition and living expenses. I also showed 25,000 CAD in my father’s account as additional financial support.

I’m not sure why this wasn’t considered enough, and I’d really appreciate any advice you can give me on how to handle this and make my case stronger for the reapplication.

Thanks so much for taking the time to help!