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Ketima:


Hello Filanodivine,

My inputs

1). From your money statement, your total cost per year is CAD$30,000. Being a 2yeae course, you're looking at roughly CAD$60,000 max, which is exactly what your brother has in his account.

Qa). Is your brother A married with kids to take care of. Is not about him showing funds in his account only but also how can he use all the money in his account to fund your education to the detriment of his own immediate family upkeep and welfare.
Qb). Have you made any Financial commitment like tuition payment, GIC etc?

The reason I asked the above question is the cost of your studies is relatively exactly the total amount in your brother's account. So if you have made some payments to the school, that will help in a way to show commitment to actually want to study and also show that the 60k in your brother account will be sufficient.

2) As regards your in-law wanting to help, I would advice let him send sum funds to your brother A account. Your brother A account is used to lumpsum so explaining the source of lumpsum won't be an issue. So in a nutshell, scrap the idea of sponsor 2(in-law). Let him send the fund to your brother A, so he can act as sole sposnor.

3). Why would you want to hide an account that has 1.1 million because you don't want to show your account. You want to prove to VO that you're established but at the other hand still hiding things that will show that you're established in your home country. You need to come out clean and truthful to the VO. If you hide your work and account details from VO and he/she now asks for updated SOA, how then will you tackle it when initially you had submitted and omitted the info intentionally.

Misrepresentation is real oo. Play safe. One thing about hiding info is you better have backup plan that will always not backfire.

You have good home and economic ties. Just work on them properly in your SOP and you're good to go.

Thank you so much. Your feedback has bee very helpful.

[Qa] Yes, brother A is married with two kids, all under 5 years old. Its CAD 60,000 at the moment but you know money comes in all the time. I don’t know how much is in his personal bank account, remember it’s his company account I am using. I imagine his personal account handles his family expenses. Should I include his personal bank statement?

[Qb] Yes, I have paid CAD 10,000 to the school. That will reduce the first year tuition. Let me do the breakdown again:

Tuition is CAD 18,000 minus CAD 10,000 already paid = CAD 8,000 balance first year


Living expenses is CAD 10,000 a year
Miscellaneous is CAD 2,000 a year
Total for one year is 8,000 + 10,000 + 2,000 = CAD 20,000, and CAD 30,000 second year.
GRAND TOTAL OF CAD 50,000 for the duration of the program.


[2] About the second sponsor, I will tell him to just give me the money upfront through my Brother A. I will remove him from the application.

[3] My intent is not to hide or misrepresent facts, it’s just not to have too many things in my application. However, if its okay to add that part, I will add it. That’s not a problem. So to add this part, the side hustle and my account statement, I should ask Brother B to bring his company documents and company statement of account right?

Filanodivine:
Please can you all look at this breakdown before I submit.



Tuition is CAD 18,000 a year

Living expenses is CAD 10,000 a year

Miscellaneous is CAD 2,000 a year

Total for one year is 18,000 + 10,000 + 2,000 = CAD 30,000

Its for a 2-year postgraduate program. I finished university two years ago and just completed NYSC. I am single in my 20s.



Me – I am doing two side hustles. The first is the family business. I was assisting Brother A who runs this business. I used to receive stipend but no more because I moved on to another side hustle which I am doing currently. The second side hustle is with Brother B, he deals in office supplies. For this one, I receive some payment into my account from customers and also my stipend.



Proof of funds –

[1] Primary sponsor. I am using brother A because he is in charge of family business and owns his own company. I am using his own company statement of account. N20milllion balance = CAD 60,000 (but enough turnover each month).

[2] I do not intend to mention Brother B and this second side hustle in my application because Brother A has already stepped in.

[3] Secondary sponsor is my brother in-law. He is a businessman, we are quite close and he wants to help me further my studies. I am using his own company statement of account. N27 million balance = CAD 80,000 (but high turnover of hundreds of millions each month).

[4] Not sure about using my bank account which reflects payments from the second side hustle with Brother B. This account has a balance of N1.1 million = CAD 3,000(with over up to 4-8millions turnover per month)

NB: Also adding our family house (not my property sha) as an asset.



Home ties – I am coming back to fully join Brother A in running the family business, he needs someone to assist him with the family business because he has his own company too to manage. I actually like the family business remember I was involved before. I moved to the second side hustle with brother B because I changed location.

My question – What do you think about my proof of funds, and being company accounts? Should I add my own personal account – my issue with this is that it shows payments from the second side hustles which I didn’t include in my application. What about using a family house as an asset? How is my home ties? I would appreciate any feedback.

Please guys I’m waiting for your advice on this..@ketima and @destinationcann.. you both shared your view and asked questions too.. this is how my profile looks like..

Please can you all look at this breakdown before I submit.



Tuition is CAD 18,000 a year

Living expenses is CAD 10,000 a year

Miscellaneous is CAD 2,000 a year

Total for one year is 18,000 + 10,000 + 2,000 = CAD 30,000

Its for a 2-year postgraduate program. I finished university two years ago and just completed NYSC. I am single in my 20s.



Me – I am doing two side hustles. The first is the family business. I was assisting Brother A who runs this business. I used to receive stipend but no more because I moved on to another side hustle which I am doing currently. The second side hustle is with Brother B, he deals in office supplies. For this one, I receive some payment into my account from customers and also my stipend.



Proof of funds –

[1] Primary sponsor. I am using brother A because he is in charge of family business and owns his own company. I am using his own company statement of account. N20milllion balance = CAD 60,000 (but enough turnover each month).

[2] I do not intend to mention Brother B and this second side hustle in my application because Brother A has already stepped in.

[3] Secondary sponsor is my brother in-law. He is a businessman, we are quite close and he wants to help me further my studies. I am using his own company statement of account. N27 million balance = CAD 80,000 (but high turnover of hundreds of millions each month).

[4] Not sure about using my bank account which reflects payments from the second side hustle with Brother B. This account has a balance of N1.1 million = CAD 3,000(with over up to 4-8millions turnover per month)

NB: Also adding our family house (not my property sha) as an asset.



Home ties – I am coming back to fully join Brother A in running the family business, he needs someone to assist him with the family business because he has his own company too to manage. I actually like the family business remember I was involved before. I moved to the second side hustle with brother B because I changed location.

My question – What do you think about my proof of funds, and being company accounts? Should I add my own personal account – my issue with this is that it shows payments from the second side hustles which I didn’t include in my application. What about using a family house as an asset? How is my home ties? I would appreciate any feedback.

Ketima:


Hello Filanodivine,

Please I would love to have answered you but just needed to get the following questions;

1). How much fund do you have in your own account?

2). Isn't the fund in your brother's account sufficient enough so he can act as your sole Sponsor? Reason is, when you have a conglomerate of first and 3rd party sposnor to sponsor your application and you're saying that you and your brother runs your family business, still he alone can't sponsor you that a 3rd party is coming in to help. This might trigger the VO to believe that the business isn't well established and is in small scale to warrant you to return back to after your studies. I guess you may have quoted in your SOP that after your studies, you're coming back to your family business. But still the same business can't sposnor you that a 3rd party needs to come in. This Just my own thinking though.

3) How supportive has the 3rd party sposnor been previously? Is this in-law your brother's wife? Can you prove his/her relationship to you and how he or she has helped you out before now. When a 3rd party sponsor is involved, you need air tight explanation with proof of his or her involvement in your life. During my time, I used a 3rd party and I know the extent I went to prove that is isn't just a one time thing.

So, I would suggest that your Sponsor send atleast living expenses into your account as sign of commitment, then you submit your SOA as well. But don't hesitate to do a gift deed for the mony sent to you by your sponsor (notarize it)

Okay thanks for your insight, my account has inflows of money as I do my own little business, I barely have a huge available balance but the turnover monthly is over 5/6million but then I can get an available balance of 1.5m when printing the SOA..
Secondly, the business me and my brother handles isn’t so big but it’s also home ties.. so I’m just confused.., the in-law family is like interested in the move and giving their backing for me to go ahead and pursue the degree but not like really they’re sponsoring me.., the bank wrote a recommendation letter attaché with the SOA…to be honest the business incomes and our family properties are enough to take me for the 2 years..the in-laws account is more like an addition.. for real I don’t know how to put it.., I have pictures of me and the in-law parents (the owners of their company) and their ID card…what do you advise I do cus i am at the verge of submission.. thank you

Filanodivine:
Hello good morning everyone, a quick question please. I run my dads business with my brother but I don’t receive the funds in my account but directly to my brother., should I include that I run the business without necessarily providing my account statement requiring those business transfers And I have another side business where I receive the money in my own account.., im thinking of stating that I do both businesses but my statement will prove only one.., or should I exclude that I run my dads business with my brother?? Thank you

In a nutshell, what I’m trying to ask is if it’s necessary to include my own statement of account too? When I have my elder brother as main sponsor and my in-law as second sponsor.. need answers please

DestinationCann:
What you decide to do depends on what information you are trying to pass to the VO.

Do you want to use the family business as POF or home ties?

If all payments go into your brother's account and not yours or the company's account, I suggest you don't bother to use the family business as POF. You may however use or as home ties if your name is on the company registration documents..

Thank you.., im trying to use it as home ties and partly as pof cus im using my brother’s account as main sponsor and my in-law as second sponsor

Filanodivine:
Hello good morning everyone, a quick question please. I run my dads business with my brother but I don’t receive the funds in my account but directly to my brother., should I include that I run the business without necessarily providing my account statement requiring those business transfers And I have another side business where I receive the money in my own account.., im thinking of stating that I do both businesses but my statement will prove only one.., or should I exclude that I run my dads business with my brother?? Thank you

Still waiting for answers please

Hello good morning everyone, a quick question please. I run my dads business with my brother but I don’t receive the funds in my account but directly to my brother., should I include that I run the business without necessarily providing my account statement requiring those business transfers And I have another side business where I receive the money in my own account.., im thinking of stating that I do both businesses but my statement will prove only one.., or should I exclude that I run my dads business with my brother?? Thank you

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kennyjoy:


There’s no too much docs, the main koko is too convince the VO regards your POF…..if you’ve exceed the required MB for the POF section make use of the consent form section for your POF continuation.

Thank you

And the documents I provided in the pdf for funding is over 30 documents.. hope it’s not too much

hayoBams:
Good evening everyone I've been trying to book an upfront medical on qlife but all the slots in April have been taken.
Is there any thing I can do about it or I just have to wait till March.

Just as he said go to iom in Ikeja and book it, tell them you need a closer date

Hello everyone, in respect to the new portal where can I upload the Statement of purpose and letter of explanation. Cus I have personal details, funding and additional documents.. please? Thanks

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Teemenzo:

Pls provide any document that will show the genuineness of your claims

Okay thanks

Hello everyone, I want to submit my application now after weeks of review oh, one quick question., is it a must I’ll provide company details(CAC and ID card) of all mentioned relatives that has a company in my statement of purpose.. I mentioned my brother’s company and two other relatives as ties and funds support but I provided the details of my brother’s company and one relative.. must I provide for the two that I mentioned?

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Johnbravo1994:
He can use his company letterhead paper and direct it to the visa officer

Thank you

Regarding the sponsorship letter that my brother who’s my sponsor will write, is it necessary to use his company’s letter head or just a normal letter drafted in Microsoft word and directed to who? Need help on this please..thanks

Armah22:
yes

Thanks