₦airaland Forum

WHY YOU NEED EFFECTIVE PROPERTY MANAGERS.

The need for efficient property management informs the need for professional services in real estate delivery. This entails the application of knowledge, skill, expertise and vision in directing and supervising interest in landed properties to achieve commensurate returns within a time frame.

Management services involves both management of the buildings and the facilities which incorporates tenancy administration, prompt rent collection, routine inspection and reporting of necessary repairs, proper rendering of account of any rent collected, facilities management, building maintenance, service charge administration (Where applicable) etc.

Management services however includes the following:

* To ensure that the property is at its functional and best use.

* To find and select suitable tenants when there is vacancy.

* To render proper tenancy administration.

* To formally demand and ensure rents are paid as at when due.

* To renew or terminate and document leases and tenancies of the properties in the appropriate manner.

* To warn, prohibit and if necessary advise to proceed on litigation against any breach of lease or tenancy agreement by any tenant.

* To undertake the general day-to-day management of the property as essentially necessary.

* To administer and render proper service charge account where applicable.

* To carry out routine inspection of the property and report promptly of any dilapidation or essential repairs that needs to be carried out either by the landlord or tenant as stipulated by the law.

* To seek the Landlord's consent on major decision before taking appropriate action.

* To advise on legal dealings on the Estate Assignment and subletting.

* To determine the use for which the premises is made.

* To advise frequently on Rental Value as determine by the market trend.

OPERATIONAL MODALITIES:

You need property managers with expertise to run the management of your property with consideration in the following:

Regular Screening/Profiling of tenants to avoid swapping, subletting miscreants or any of such. For example, maintain a schedule of tenants (both in hardcopy and soft copy), that is a document that will contain necessary details of all tenants such as the names of tenants, periodic rent payable either yearly, monthly as the case may be, rent commencement date, rent expiration date, telephone contacts, email addresses and other necessary tenants details in the schedule to ease the effective management.

Use of Property Management Software.

Use of Property Management Software, this should contain details of the property(ies), locations, tenants’ information, and tenancy period i.e. commencement dates till expiry date, rent payable per annum, service charge payable per annum. This aid proper management of the property and rent collection as at when due because these properties programmed pop-up as reminder alert some months to expiry date of any tenancy so that reminder notice could be sent to such tenant in good time.

The accounting aspect of it could also be used to determine how much had been spent on repairs and maintenance annually among other features and the application. The advantage of this is that it allows prompt rent collection, effective routine maintenance inspection as at when due, timely response to tenants request to ensure the property is always in excellent condition at all times.

Provision of On-Site Personnel

Depending on the magnitude of the property and facilities provided. Some properties demand on site personnel that shall be resident on site during normal working hours. if the property is huge and provided with facilities such as lifts, swimming pool, water treatment plant etc.

The personnels are organized to attend to emergency calls during unofficial hours, weekends and public holidays. This is highly essential to guarantee maximum service efficiency and timely response to tenants’ requests, complaints or demand with a view to providing immediate or prompt response or solution as the case may be to their requests and complaints for utmost satisfaction. They will also be readily available to conduct routine inspection on the property at regular interval to ensure the property is in good state of decorative repairs and tenant able condition.

Routine Maintenance Deposit (Optional)

An account should be maintained subject to the property owner's approval in case of emergent repairs. Expenditure for such repairs, alterations, decorations shall not be made without prior written consent of the property owner except in the case of emergency, or if service provided in good faith determines that such expenditure are necessary to protect the property from damage, to prevent injury to persons or loss of life, or to maintain services to tenants.

However, the property owner shall be responsible for the provision or replacement or major repairs/upgrade of existing equipment/facility that may be required to guarantee safety or improve comfort of the occupants.

Management of such project covering design, procurement, installation shall be the responsibility of the property/facility managers. Example of such projects may include sinking of a new borehole, water pump machine, major structural modification.

In a nutshell, the following is a list of management tasks and activities to be carried to ensure effective property management.:

* Routine Maintenance.

* Preventive maintenance.

* Proactive Problem Prevention.

* Identification of root cause of problems and propose solutions.
* Problem Analysis/Resolution.

* Prepare Maintenance Procedure
* PHCN related interface (to ensure payments are made by tenants).

* Electrical Installation Repairs.

* Plumbing Installation Maintenance.

* Ensure cleaning of common areas, gardening sewage evacuation and disposal

For further enquiries with a view to engaging our service as your property managers, kindly contact +2348032296562, +2349049045703.

Thank you.

How to properly proof your source of fund.

Some doors might not open just by knocking, you need to push to open. Just like one is not guaranteed of getting a job only by applying, one need to justify he/she is worthy, qualified and ahead of others competing for same limited position.

Same is applicable to relocation plans. You see, a lot of visa applicants believed that once they have the required amount for proof of funds in their accounts, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money. Moreso, they want to see you have home ties that can influence your return to the home country.

Let me digress a little, RMD is 63 years old. Many of us started watching him on TV since 80s and he has stayed relevant in the movie Industry till present.

He is one of Nigeria's finest actors and, without a doubt, stands as one of the nation's movie legends. However, let me quickly extrapolate something from him and share a lesson. Just few weeks ago, RMD released his first movie, RADIO VOICE, as the Executive Producer.

Since then, he has been hands-on promoting the movie relentlessly to convince people to watch. He did not say just because he is a great actor or a movie legend, therefore the movie was going to sell itself. No, instead, he rolled up his sleeves, got boots on the ground, started knocking on doors, and screaming on his megaphone, promoting his work. All about convincing audience to watch to gain his success.

Therefore, for your relocation plans, here are some of the key facts you actually need check and ensure you convince the visa officer:

1.How Long the Money (PoF) has been in your account:

Your account inflow/outflow are very important factors. If you suddenly deposit a huge sum (far above your regular inflow) into your account a few days, weeks or even months before your application, that could be a red flag. It would look suspicious and signals that the money might have been borrowed just to “show working.” or might not be accessible by you, so you'll need to proof the source. Most countries want to see funds that have been sitting for at least 4-6months and some 28–90 days depending on the visa, so, any huge deposit within that period should be justified with documents.

2.The Source of Funds:

You'll need documentary evidence to proof the source(s) of money on account. Did the monies come from your salary? A business account? A sponsor?

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings don’t match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The valuation report can also be used to show how much investment you have in landed properties that can serve as your home tie and measure of your economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning ₦150,000 per month and suddenly show a PoF of ₦15 million with no traceable source, something won’t add up. Visa officers will start asking silent questions “Is this person being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows. Many people have the money… but not the visa.

Let’s not make that your story.

For more details about getting a certified valuation report, do not hesitate to contact 09049045703 (WhatsApp) or 08032296562

Good luck ❤️!!

How to properly proof your source of fund.

Some doors might not open just by knocking, you need to push to open. Just like one is not guaranteed of getting a job only by applying, one need to justify he/she is worthy, qualified and ahead of others competing for same limited position.

Same is applicable to relocation plans. You see, a lot of visa applicants believed that once they have the required amount for proof of funds in their accounts, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money. Moreso, they want to see you have home ties that can influence your return to the home country.

Let me digress a little, RMD is 63 years old. Many of us started watching him on TV since 80s and he has stayed relevant in the movie Industry till present.

He is one of Nigeria's finest actors and, without a doubt, stands as one of the nation's movie legends. However, let me quickly extrapolate something from him and share a lesson. Just few weeks ago, RMD released his first movie, RADIO VOICE, as the Executive Producer.

Since then, he has been hands-on promoting the movie relentlessly to convince people to watch. He did not say just because he is a great actor or a movie legend, therefore the movie was going to sell itself. No, instead, he rolled up his sleeves, got boots on the ground, started knocking on doors, and screaming on his megaphone, promoting his work. All about convincing audience to watch to gain his success.

Therefore, for your relocation plans, here are some of the key facts you actually need check and ensure you convince the visa officer:

1.How Long the Money (PoF) has been in your account:

Your account inflow/outflow are very important factors. If you suddenly deposit a huge sum (far above your regular inflow) into your account a few days, weeks or even months before your application, that could be a red flag. It would look suspicious and signals that the money might have been borrowed just to “show working.” or might not be accessible by you, so you'll need to proof the source. Most countries want to see funds that have been sitting for at least 4-6months and some 28–90 days depending on the visa, so, any huge deposit within that period should be justified with documents.

2.The Source of Funds:

You'll need documentary evidence to proof the source(s) of money on account. Did the monies come from your salary? A business account? A sponsor?

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings don’t match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The valuation report can also be used to show how much investment you have in landed properties that can serve as your home tie and measure of your economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning ₦150,000 per month and suddenly show a PoF of ₦15 million with no traceable source, something won’t add up. Visa officers will start asking silent questions “Is this person being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows. Many people have the money… but not the visa.

Let’s not make that your story.

For more details about getting a certified valuation report, do not hesitate to contact 09049045703 (WhatsApp) or 08032296562

Good luck ❤️!!

MAY WE MAKE RIGHT INVESTMENT CHOICE.

While we are all here laughing at CBEX investors, some of the investors sold their properties to invest, some put in their live savings and so on. Meanwhile, some of us might think we are not "foolish" not not invest in the scheme. However, let me tell you for free, there are other businesses designed to attract people who are not interested in Ponzi but yet they use them to swindle others on a daily basis.

Those organizations dole out Return on Investment that goes to the organisers while the investors are left to suffer. As they are shouting invest in land banking, invest in properties and land, please be careful so you will not buy or invest in forbidden land ( Ile Orisa ti inu Ti Oluwa Nile) under the guise of land banking.

I strongly advise that before you put your hard earned money into any investment, ensure you do the necessary due diligences on the organisation, the land promised you as security/guarantee irrespective of who is/are involved ( the spirit of get rich quick is on the rampage).

If they are mounting pressure on you to bring money before you complete your searches about the company or a property please take this as a red flag.

Never you invest without knowing who the board of directors are. their track records, other companies owned by the directors, where is the company registered (Nigeria or abroad) and what they stand for.

Some of them are actually one man business but posing to be structured organisations. If anything goes wrong, you will blame yourself and languish in regrets.

Choose reputable organisations to protect yourself in case the business goes south. An organisation or individual with a good name will do anything to protect their name.

The reason behind this write up is to at least sensitize one person to learn from mistake of others. Ensure you do proper due diligence before you go into that transaction.

Any investment business that will disrupt or toy with your peace of mind and sanity do worth it. Careless about what they promise you as ROI. If you cannot sleep and close your eyes it does not worth it at all.Your mental health cannot be quantified in terms of any currency.

Also choose reputable organisations governed by the law of the land where you are transacting the business. I hope you learn something from this epistles of mine.I pray for restoration to all who lost their savings to CBEX. Olorun ko ni jeki a teni ti ika o!

May we make right choices this year!!

Akintayo Akinlolu .O.
Real Estate Investment Advisor/Consultant

Poor Proof of Funds (PoF) Preparation

You see, a lot of people think that once they have the required amount in their account, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money.

Here are some of the key facts they actually check:

1.How Long the Money Has Been on account:

If you suddenly deposit a huge sum into your account a few days, weeks or even months before your application, that's a red flag. It looks suspicious and signals that the money may have been borrowed just to “show working.” Most countries want to see funds that have been sitting for at least 28–90 days depending on the visa.

2.The Source of Funds:

You'll need documentary evidence to proof the sources of money on account. Did the monies come from your salary? A business account? A sponsor?

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings don’t match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The document can also be used to show how much investment you have in landed properties that can serve as your home tie and economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning ₦150,000 per month and suddenly show a PoF of ₦15 million with no traceable source, something won’t add up. Visa officers will start asking silent questions “Is this person being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows.
Many people have the money… but not the visa.

Let’s not make that your story.

For more details about getting a certified valuation report, do not hesitate to contact 09049045703 (WhatsApp) or 08032296562

Good luck ❤️!!

Poor Proof of Funds (PoF) Preparation

You see, a lot of people think that once they have the required amount in their account, that’s it, visa is guaranteed.

But visa officers don’t just want to see money, they want to understand the story behind the money.

Here are some of the key facts they actually check:

1.How Long the Money Has Been on account:

If you suddenly deposit a huge sum into your account a few days, weeks or even months before your application, that's a red flag. It looks suspicious and signals that the money may have been borrowed just to “show working.” Most countries want to see funds that have been sitting for at least 28–90 days depending on the visa.

2.The Source of Funds:

You'll need documentary evidence to proof the sources of money on account. Did the monies come from your salary? A business account? A sponsor?

Can you prove that it’s legitimate and accessible by you? If your lifestyle and earnings don’t match what’s in your account, expect extra scrutiny. You must have clear documentation that shows how you got the money. No guesswork.

If you sell a landed property to raise fund, you'll need to get a valuation report/certificate of value from a firm of registered estate surveyors and valuers stating the current value of the property (monetary worth) prior to the sale.

The document can also be used to show how much investment you have in landed properties that can serve as your home tie and economic status. That's where we come in, you can reach out to me if you need this service and be sure of getting the best service.

More to that, you'll need a duly executed deed of assignment prepared by a lawyer between you the seller and the buyer (the name of the buyer should correspond with the depositor of the lump sum).

3.Consistency with Your Profile:

If you’re earning ₦150,000 per month and suddenly show a PoF of ₦15 million with no traceable source, something won’t add up. Visa officers will start asking silent questions “Is this person being trafficked?” “Was this money staged?”

4.Who Owns the money:

If someone is sponsoring you, especially in study visas, many embassies require the sponsor to be a close family member, and they want solid proof of relationship birth certificates, letters, etc. No random “uncles” or friends, please.

5.Flimsy Financial Institutions:

Don’t use accounts from banks or institutions that are not recognized internationally or are under investigation. Some embassies won’t accept financial documents from certain banks they don’t trust.

Bottom Line is money without proper documentation might still end in visa denial.

Don’t wait until the last minute or take chance to learn the hard way. Prepare your PoF early, organize your statements, and tell a story that makes sense from source to stability.

If you’re not sure what PoF means for your own visa type, ask questions or talk to someone who knows.
Many people have the money… but not the visa.

Let’s not make that your story.

For more details about getting a certified valuation report, do not hesitate to contact 09049045703 (WhatsApp) or 08032296562

Good luck ❤️!!

You're most welcome

prolade:
Very insightful. God bless you sir

THE COMMON KEY REASONS FOR VISA REJECTION.

On the surface, the process of obtaining a Canadian student visa or any other developed country might seems quite simple. However, it can sometimes prove to be a challenge. While many students think receiving a letter of acceptance is the hardest part of the pre-study abroad process, it can be even more difficult to land a student visa.

It is not an over statement to say that getting a visa approval is often faced with the harshest scrutiny. For example, according to statistics 54% of visa applicants get denied in 2024, up from 40% in 2023. Student permit rejections surged to 52%, a dramatic increase from 38% the previous year.

Unfortunately, it isn’t uncommon for applicants to have their applications for visa rejected. With Canada and UK being such desirable study destinations, many students aspire to pursue an education in those countries. However, the popularity with other opportunities attached to studying in those countries makes it significantly harder to get visas into those countries because of the high volume of applicants, leading to students visa rejections. To ensure your visa application gets approved at first instance, it’s helpful you understand the key common reasons behind visa rejections.

1. Insufficient Fund:

This is one of the common reasons most applicants are denied. All applicants are expected to have a certain minimum fund on account sufficient enough to cover at least one year tuition fee (in case of study permit), living expenses, transportation and other miscellaneous expenses preferably in an account the applicant can have direct access or control.

Meanwhile, the fund required also depend on family size either as a single applicant, family of 2, 3 or 4, so it is advisable for applicants to research very well to find out the minimum fund required based on his/her family size and ensure the fund is available (if possible a little above the minimum) on account at the time of filling in his/her application .

Therefore, applicants are expected to submit at least six months bank statements showing the proof of funds for the six months preceding the study permit application date. Also, applicants provide all of the required account information as well as bank information so that the embassy can be able to verify genuine availability of the fund. However, if your family (spouse, parent, sibling) is contributing to the cost of your education, they will need to provide an affidavit stating how much they are supporting you with, relationship with you and the money is not refundable.

Furthermore, for those that are to be sponsored by their parents, spouses or siblings. You"ll need to present a duly signed letter of sponsorship from your sponsor, documents to buttress their relationship with the applicant (such as birth certificate, marriage certificate, etc cos third party sponsorship is not advisable), verifiable source(s) of income of the sponsor such as employment status, company or business registration, at least six months bank statement showing well above the minimum proof of fund required (to show the sponsor is not spending all his/her life savings on you) and if the sponsor is presenting a limited liability company bank statement, a board resolution letter will be required to confirm other board members support/agreement to the sponsorship but not necessary for registered business name. In a nutshell, availability of sufficient funds in an account the visa officer will be convinced the applicant will have easy access to the fund is mandatory.

2. The source of Funds:

The embassy verifies to see how you accumulated the funds presented. non-consistent deposits into your bank accounts, then few weeks or months preceeding your application a huge or some huge lump deposits were made, that can attract the attention of the visa officer. If the applicant
has declared they have access to a certain amount of money to support the visa application, they must prove this with documentation. The amount of money is not the only requirement for proof of funds but also evidence of the source(s) like pay slips in case of savings from salary, sales records, letters of awards of contracts, and if the source is proceed from sale or long lease of landed property, you'll need to present a valuation report that states the worth of the property, sales or lease agreement, deed of assignment between the buyer and seller with details of the property concerned. That's where you need the service and expertise of property consultants like us, you can reach out for more enquiries if you might need our service in that area.

3. Not submitting adequate home tie supporting papers:

Except for immigration visa applicant, every non-immigrant visa applicants are are required to show strong connections with with thier home countries by proof. These documents are to prove that the applicant have reasons that will facilitate return to his/her home country after the stipulated period of visa granted. Generally, submitting as much evidence as possible beyond the minimum required is wise. Often, offering only the documents based on the online Document Checklist is insufficient to build a solid Visa Application.

For a married applicant not travelling with the wife and children at the time of applying, the wife and children could serve as one of the home ties but for single applicant or married applying as a family, more documents will be required to proof home ties because the visa officer want to be convinced the applicant has/have reason (s) to return after study or visit. Although its not mandatory the applicant should return as their are laws that allows change of status to permanent residence and even citizen once all the stipulated conditions are met.

But as at the point of putting in application, the visa officer want to see those documents such as applicant employment status, marital status, business owned in the home country and how its thriving (based on audited report, cooperate bank account statement), position held in the community (like CDA, Professional Body/Association, Clubs like Rotary Club, Lions Club etc. Meanwhile, the most preferred is the landed assets/properties owned by the applicant for the reason that landed properties do not depreciate in value over time but appreciates and all over the world people have strong emotional attachment to landed property owned.

In that case, applicant will have to submit a valuation report prepared by a firm of certified estate surveyors and values stating the current market value (monetary worth) of the property and if its a rental property generating additional income for the owner. Submitting just landed property alone is not enough as that will not state the current worth of the property. Visa officer cannot know the worth of a land by looking at the survey plan, purchase receipt or deed of assignment on a land/property bought seven or ten years ago as such documents will contain the purchase price at that time and NOT the current
worth.

Assuming a land bought N5m ten years ago and now worth say N50m, the deed of assignment, purchase receipt will still carry N5m and the visa will base his/her judgement on that, meanwhile the land is currently worth N50m. You can reach out to me if you require this service and be sure of getting well detailed, certified and verifiable report.

4. Connection with Program of Study (Student Visa Refusal):

If the visa officer who reviewed your application does not see a connection
between your study program and your educational or employment background, they may refuse your study permit application. Therefore, in your Statement of Purpose ensure you explain in detail the connections between your intended course of study and your previous study or studies or current employment and how it will be of immense benefits to you, your business or service provided. If you have study gap, ensure you explain the reason and skills you were able to acquire during the study gap.

Finally, I am not a travel agent and do not process visas, however should you wish to get your landed property valued for visa application purpose or any further enquiries, do not hesitate to contact me via +2349049045703 (WhatsApp), +2348032296562.

Thank you.

THE COMMON KEY REASONS FOR STUDY VISA REJECTION.

On the surface, the process of obtaining a Canadian student visa or any other developed country might seems quite simple. However, it can sometimes prove to be a challenge. While many students think receiving a letter of acceptance is the hardest part of the pre-study abroad process, it can be even more difficult to land a student visa.

It is not an over statement to say that getting a visa approval is often faced with the harshest scrutiny. For example, according to statistics 54% of visa applicants get denied in 2024, up from 40% in 2023. Student permit rejections surged to 52%, a dramatic increase from 38% the previous year.

Unfortunately, it isn’t uncommon for applicants to have their applications for visa rejected. With Canada and UK being such desirable study destinations, many students aspire to pursue an education in those countries. However, the popularity with other opportunities attached to studying in those countries makes it significantly harder to get visas into those countries because of the high volume of applicants, leading to students visa rejections. To ensure your visa application gets approved at first instance, it’s helpful you understand the key common reasons behind visa rejections.

1. Insufficient Fund:

This is one of the common reasons most applicants are denied. All applicants are expected to have a certain minimum fund on account sufficient enough to cover at least one year tuition fee (in case of study permit), living expenses, transportation and other miscellaneous expenses preferably in an account the applicant can have direct access or control.

Meanwhile, the fund required also depend on family size either as a single applicant, family of 2, 3 or 4, so it is advisable for applicants to research very well to find out the minimum fund required based on his/her family size and ensure the fund is available (if possible a little above the minimum) on account at the time of filling in his/her application .

Therefore, applicants are expected to submit at least six months bank statements showing the proof of funds for the six months preceding the study permit application date. Also, applicants provide all of the required account information as well as bank information so that the embassy can be able to verify genuine availability of the fund. However, if your family (spouse, parent, sibling) is contributing to the cost of your education, they will need to provide an affidavit stating how much they are supporting you with, relationship with you and the money is not refundable.

Furthermore, for those that are to be sponsored by their parents, spouses or siblings. You"ll need to present a duly signed letter of sponsorship from your sponsor, documents to buttress their relationship with the applicant (such as birth certificate, marriage certificate, etc cos third party sponsorship is not advisable), verifiable source(s) of income of the sponsor such as employment status, company or business registration, at least six months bank statement showing well above the minimum proof of fund required (to show the sponsor is not spending all his/her life savings on you) and if the sponsor is presenting a limited liability company bank statement, a board resolution letter will be required to confirm other board members support/agreement to the sponsorship but not necessary for registered business name. In a nutshell, availability of sufficient funds in an account the visa officer will be convinced the applicant will have easy access to the fund is mandatory.

2. The source of Funds:

The embassy verifies to see how you accumulated the funds presented. non-consistent deposits into your bank accounts, then few weeks or months preceeding your application a huge or some huge lump deposits were made, that can attract the attention of the visa officer. If the applicant
has declared they have access to a certain amount of money to support the visa application, they must prove this with documentation. The amount of money is not the only requirement for proof of funds but also evidence of the source(s) like pay slips in case of savings from salary, sales records, letters of awards of contracts, and if the source is proceed from sale or long lease of landed property, you'll need to present a valuation report that states the worth of the property, sales or lease agreement, deed of assignment between the buyer and seller with details of the property concerned. That's where you need the service and expertise of property consultants like us, you can reach out for more enquiries if you might need our service in that area.

3. Not submitting adequate home tie supporting papers:

Except for immigration visa applicant, every non-immigrant visa applicants are are required to show strong connections with with thier home countries by proof. These documents are to prove that the applicant have reasons that will facilitate return to his/her home country after the stipulated period of visa granted. Generally, submitting as much evidence as possible beyond the minimum required is wise. Often, offering only the documents based on the online Document Checklist is insufficient to build a solid Visa Application.

For a married applicant not travelling with the wife and children at the time of applying, the wife and children could serve as one of the home ties but for single applicant or married applying as a family, more documents will be required to proof home ties because the visa officer want to be convinced the applicant has/have reason (s) to return after study or visit. Although its not mandatory the applicant should return as their are laws that allows change of status to permanent residence and even citizen once all the stipulated conditions are met.

But as at the point of putting in application, the visa officer want to see those documents such as applicant employment status, marital status, business owned in the home country and how its thriving (based on audited report, cooperate bank account statement), position held in the community (like CDA, Professional Body/Association, Clubs like Rotary Club, Lions Club etc. Meanwhile, the most preferred is the landed assets/properties owned by the applicant for the reason that landed properties do not depreciate in value over time but appreciates and all over the world people have strong emotional attachment to landed property owned.

In that case, applicant will have to submit a valuation report prepared by a firm of certified estate surveyors and values stating the current market value (monetary worth) of the property and if its a rental property generating additional income for the owner. Submitting just landed property alone is not enough as that will not state the current worth of the property. Visa officer cannot know the worth of a land by looking at the survey plan, purchase receipt or deed of assignment on a land/property bought seven or ten years ago as such documents will contain the purchase price at that time and NOT the current
worth.

Assuming a land bought N5m ten years ago and now worth say N50m, the deed of assignment, purchase receipt will still carry N5m and the visa will base his/her judgement on that, meanwhile the land is currently worth N50m. You can reach out to me if you require this service and be sure of getting well detailed, certified and verifiable report.

4. Connection with Program of Study (Student Visa Refusal):

If the visa officer who reviewed your application does not see a connection
between your study program and your educational or employment background, they may refuse your study permit application. Therefore, in your Statement of Purpose ensure you explain in detail the connections between your intended course of study and your previous study or studies or current employment and how it will be of immense benefits to you, your business or service provided. If you have study gap, ensure you explain the reason and skills you were able to acquire during the study gap.

Finally, I am not a travel agent and do not process visas, however should you wish to get your landed property valued for visa application purpose or any further enquiries, do not hesitate to contact me via +2349049045703 (WhatsApp), +2348032296562.

Thank you.

It should be addressed to the VO at embassy of the country of destination.

Itiswell2334:
Please guys for zenith bank reference letter, should it address the visa officer or there no need for it to address anyone

*HOW TO APPLY FOR LAND USE CHARGE EXEMPTION AS A PENSIONER.

As a pensioner in Lagos State, you can apply for exemption from the Land Use Charge (LUC) by following the procedure outlined below. Under the Lagos State Land Use Charge Law, owner-occupiers who are pensioners (either under the public or private sector) are eligible for exemption. The steps to take are below:

*1. Write an application letter with the following supporting documents:*

a. A letter of retirement or proof of being a pensioner

b. A valid means of identification

c. A Utility Bill (e.g., electricity or water bill) showing proof of residence.

d. A copy of the Title Document of the property (e.g., Certificate of Occupancy, Deed of Assignment, or Registered Conveyance).

e. A Sworn Affidavit confirming that the property is owner-occupied and not used for commercial purposes.

*2. Submit the Application*
Submit the application letter and supporting documents to the Land Use Charge Assessment Office at the Lagos State Ministry of Finance or any LUC office near you.

Ensure you collect an acknowledgment copy of the letter after submission for ease of follow-up.

*3. Verification and Approval*
The Lagos State Government will review and verify your application. If successful, you will receive a response that exempts you from paying the Land Use Charge.

*Please Note:*
* The exemption only applies to pensioners who personally reside in the property. If the property is rented out or used for commercial purposes, the exemption will not apply.

* The government conducts periodic reviews to confirm continued eligibility for the exemption. If the property has changed status after the exemption has been granted, the exemption can be revoked.

If you need further assistance, you can visit the Lagos State Land Use Charge Office closest to you or visit the official website at

https://luc.lagosstate.gov.ng

It's very obvious that the year is fast running and it would be good to stop procrastinating but start implementing your plans for a better 2025 from now.

Are you planning to relocate to Canada, U.K etc for study, medical or tourism and you have landed properties to buttress your economic status and strong tie to your home country?

It is no gainsay that everyone needs an oasis of peace and comfort in a safe haven like Canada, U.K, U.S and the rest of the developed world to enjoy comforts of world-class healthcare, international education, world-class leisure and more.

Without mincing words, many visa applicants do believe that "fat" bank statement is the paramount document they need to secure a visa approval forgetting that not everybody keep money in the bank but do invest in landed properties, stocks etc.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Secuing visa approval to these developed countries mentioned above often times is not a fluke as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted the applicant either for tourism, study, medical and other non immigrant visa categories.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property to butress the applicant finacial status and strong tie to the homeland. A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value in monetary worth of your landed property or rental income accrue to a property owner on yearly basis if it's a rental property and that can also use to butress source of fund on account as the case may be.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for visit visa to Canada is expected to have a minimum of amount equivalent to CAD10,000 (Ten Thousand Canadian Dollar) and an applicant was able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that applied for a study visa has say N45m (to cover tuition fee, living expenses etc) on account in a bank, married with children and has property(ties) worth N65m or more. Don't be surprised such an applicant may be granted visa while someone that has say N100m on account without any proof of asset(s) or strong home tie may be denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State the current value. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof of funds. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

In view of above, you may wish to consult us with a view to getting a certied property valuation report, do not hesitate to contact +2348032296562 or +2349049045703 ((Whatsapp)

Here to serve you right and you will be glad u did!.

It's very obvious that the year is fast running and it would be good to stop procrastinating but start implementing your plans for a better 2025 from now.

Are you planning to relocate to Canada, U.K etc for study, medical or tourism and you have landed properties to buttress your economic status and strong tie to your home country?

It is no gainsay that everyone needs an oasis of peace and comfort in a safe haven like Canada, U.K, U.S and the rest of the developed world to enjoy comforts of world-class healthcare, international education, world-class leisure and more.

Without mincing words, many visa applicants do believe that "fat" bank statement is the paramount document they need to secure a visa approval forgetting that not everybody keep money in the bank but do invest in landed properties, stocks etc.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Secuing visa approval to these developed countries mentioned above often times is not a fluke as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted the applicant either for tourism, study, medical and other non immigrant visa categories.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property to butress the applicant finacial status and strong tie to the homeland. A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value in monetary worth of your landed property or rental income accrue to a property owner on yearly basis if it's a rental property and that can also use to butress source of fund on account as the case may be.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for visit visa to Canada is expected to have a minimum of amount equivalent to CAD10,000 (Ten Thousand Canadian Dollar) and an applicant was able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that applied for a study visa has say N45m (to cover tuition fee, living expenses etc) on account in a bank, married with children and has property(ties) worth N65m or more. Don't be surprised such an applicant may be granted visa while someone that has say N100m on account without any proof of asset(s) or strong home tie may be denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State the current value. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof of funds. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

In view of above, you may wish to consult us with a view to getting a certied property valuation report, do not hesitate to contact +2348032296562 or +2349049045703 ((Whatsapp)

Here to serve you right and you will be glad u did!.

Yes, you need the statement for the month the land sale payment was made into her account just to butress the amount and the buyer's name that shall be further corroborated with the executed Deed of Assignment showing same name for the buyer and the amount the property was purchased. Both documents were meant to show the genesis of the lump sum in your account, that it was truly from your mom and proceed of land sale.

Seyi111:
Thanks. Please will I also provide 4 months bank statements of my mum’s account? And the land wasn’t sold recently but last year. Will I just show the month She sold the land? Thanks

Yes you need to show more documents including your mom's bank statement being the receiver of the land sale proceed before it was transferred into your account.

Then you'll need to present a copy of duly executed Deed of Assignment or Deed of Transfer prepared and stamped by a lawyer between your mom (vendor) and the buyer and the buyer's name must correspond with the depositor on her bank statement.

Seyi111:
Hello, please house I have some questions.
I am planning to applying for my visa in June. Regarding POF I plan to have 40m in my account which will be gotten from a sales of land. This money will be in my account in Jan then I will provide statement of account from Feb-May do you I have to explain to the VSO where the funds is from since it has been in my account before the 4 months bank statement.
Also, it's my mum's land that we sold and it will be used to sponsor me do I have to show her bank statement since the funds will be in my own account. Please what other documents do I need to show apart from the land receipts and the land survey for the sale of the land.

I used Mpower to finance the tuition is it okay if I tell the VSO that I will still be getting stipend from my office and fee from house leasing will be using that to settle the loan without working over there.

So the breakdown is that for the 40m, I will remove 20635 CAD for expenses, 3k CAD for miscellaneous and the rest of the 40m will be used to pay the 12months interest on the MPower loan. while stipend from office and rent lease will be use to settle the Mpower loan. I will appreciate you your assistance. Thanks

Either you use your personal account or your dad's account, you'll need to proof the source (s) of lump sums deposited into your account with documented evidences. Without that, it might be difficult.

Doladollz:
Hello everyone! Please I need your opinion.

My visa was refused twice last year so I’m planning to reapply again.

NOTE!
- I submitted my dad’s personal account, his business account and my own personal accounts.
- He transferred some money to my account(30m) and we did a gift deed affidavit.
- I paid one semester tuition (It’s a one year programme)

My application was refused based on financial reasons. After requesting for my GCMS notes, I found out that they focused more on my dad’s business account which had some lump sums and they didn’t even check my personal account.

Now, to move forward, I want to pay my complete tuition and I intend to use only my account which has #30,000,000 as POF for living expenses because I don’t want my dad’s account to complicate things. The money has been in my account for 4 months. Do you think that will be enough?

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Thank you.

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.

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

Those are not enough, there should be a deed of assignment prepared by a lawyer between your mom (the vendor) and the buyer. That's the statutory document by which landed property can be exchanged. The name of the buyer should correspond with the name of the depositor for the stated sum on your mom statement of account (So u need your mom statement of account to proof that).

So on your statement of account, your mom's name will show as the depositor, then you can use deed of gift or sworn affidavit of financial support issued you by your mom justify that. By presenting all these documents you would have been able to proof the source to the root beyond doubt of anyone.

Lastly, a valuation report that corroborate the value of the property to buttress that it truly worth the purchase price cos survey plan will not show the land..

Itiswell2334:
oh okay Thanks 👍…… now for my proof of fund my mom Gifted me money to support my education and she got this money from the sale of her land ….okay when I want to show source of fund can I just submit her survey plan to show she was the owner of the land and the receipt she gave the buyer that bought the property. Are this two documents okay cus that all she has for the source of fund

You don't necessarily need to mention where and where your siblings are, the bottom line is that you have aged parents, siblings and other relatives based in Nigeria that you share strong family bond with and would be desirous to reunite with them on your return to the country after your study, most especially your aged parents.

It would be good if your parents can grant you power of attorney on any of their landed properties, that would give you stronger cum legal control/benefits on it and could be regarded as a motivating factor that can pull you back if buttressed with a valuation report that states the monetary worth of the property.

Imagine an applicant that has legal control over a property or propertirs worth millions of naira in his/her home country unlike an applicant that has nothing.

Meanwhile, if you submit only the property document which would be on your parents name, you have no legal control over it without a power of attorney or deed of gift to you. So it may not stand as home tie for you.

Hope I've communicated?

Itiswell2334:
But won’t they find out that I have a brother in Canada cus this is a reapplication and I included him in my family form in my previous application since he wasn’t in Canada yet when I applied for my previous application and also for the land property, my parents are the owners of the property….won’t that be a good home tie ?

I'm of the opinion that you should be silent about your brother in Canada whilst you emphasise on your close relationship with your parents and other siblings in Nigeria that would facilitate your return.

Your employment status and future prospects associated on your return after the completion of your study are okay if included., landed properties owned by you or gifted you by any of your parents is also a good home tie especially if you have a good intent of use relevant to your course of study for the property. You may read more about answers to your questions on my page.

Meanwhile, hope the above are useful.

Itiswell2334:
Please guys I am currently writing my letter of explanation and I want to know when I am explaining my home ties , should I write that I have a brother in Canada tho he is not a permanent resident yet but the rest of my silblings and parent is in Nigeria.is it compulsory to disclose that I have a brother presently in Canada?? And second question for economic tie … is it advisable for my employer to write in my study leave approval letter that I will be promoted upon completion of the program in Canada and upon my return to Nigeria? Please guysss I need your advice on this

It's very obvious that the year is fast running and it would be good to stop procrastinating but start implementing your plans for a better 2025 from now.

Are you planning to relocate to Canada, U.K etc for study, medical or tourism and you have landed properties to buttress your economic status and strong tie to your home country?

It is no gainsay that everyone needs an oasis of peace and comfort in a safe haven like Canada, U.K, U.S and the rest of the developed world to enjoy comforts of world-class healthcare, international education, world-class leisure and more.

Without mincing words, many visa applicants do believe that "fat" bank statement is the paramount document they need to secure a visa approval forgetting that not everybody keep money in the bank but do invest in landed properties, stocks etc.

Though, it's good to have good financial banking status. However, strong economic home tie is the major key factor often considered by visa issuing officers most especially for non-immigrant visa applicants like visit, study, medical and so on. The visa officers are more concerned about the economic tie of an applicant to his/her home country as strong home ties that'll pull him/her back after the tenure of visit or study visa granted.

Secuing visa approval to these developed countries mentioned above often times is not a fluke as applicants would need to strongly proof to the visa issuing officer evidences of home ties that would make the applicant return to his/her home country on or before the expiration of the duration granted the applicant either for tourism, study, medical and other non immigrant visa categories.

Some of the evidences of home tie are marriage certificate, employment letter, certificate of investment, child/children birth certificate, bank statement of account, etc.

Meanwhile, the top secret is the use of valuation report on landed property to butress the applicant finacial status and strong tie to the homeland. A valuation report is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value in monetary worth of your landed property or rental income accrue to a property owner on yearly basis if it's a rental property and that can also use to butress source of fund on account as the case may be.

Though it is expected that an applicant should have a certain required amount that would cover his/her expenses during the stay, but a valuation report would "tell more" about the economic/financial status of the applicant in his/her home country that could appeal to the visa issuing officer in making a favourable decision about the applicant.

Let's take for example, a single applicant for visit visa to Canada is expected to have a minimum of amount equivalent to CAD10,000 (Ten Thousand Canadian Dollar) and an applicant was able to meet that and also has property or properties worth equivalent of about CAD40,000 (Forty Thousand Canadian Dollars) or more, that tells more that such an applicant is doing well in his/her home country and would likely not be a liability to the visiting country. To be more practical, imagine someone that applied for a study visa has say N45m (to cover tuition fee, living expenses etc) on account in a bank, married with children and has property(ties) worth N65m or more. Don't be surprised such an applicant may be granted visa while someone that has say N100m on account without any proof of asset(s) or strong home tie may be denied. A visa officer would feel more comfortable to grant an applicant with strong home tie on the ground that he/she has investment/asset back home, wife and children that would make him/her to return after the duration granted.

So often times, money in the bank alone might not guarantee you but other support documents like your property/assets valuation report would do the magic.

No doubt you might have documents like purchase receipt, survey plan, deed of assignment or contract of sale on the property but those documents can not give the current market value of the property as land appreciate in value over time. So only valuation report will State the current value. Land you bought five years ago cannot be same value in the present year and possibly you've built on it.

Even for Canada Express Entry applicant, proof of fund is one of the basic requirements for permanent residence applications. Applicants need to provide to Canada Immigration & Citizenship an evidence of enough mandatory funds to support oneself and any accompanying family members when landed in Canada. This is because the government of Canada will not provide any financial support for new immigrants and therefore need to be sure the new immigrant will be able to support him/herself and his/her family members and same goes for study, either in the United Kingdom or Canada.

The amount required depends on the family size and can vary from time to time and for study visa depends on the institution. Meanwhile, at the time of putting in your application you'll need to show that you have at least the required amount. However, you can also submit a document that shows that you have asset that could be liquidated to cash if granted for your application to be processed.

Now you may be wondering what type of funds you can use and what type of proof is required. Well, there are options which we shall quickly dwell on into details:

SAVINGS: If you have savings which is equivalent or exceed the required amount, then your bank statement (not less than 3months) is a good proof of funds and if your money is split between several banks, you'll need to provide details of each to add up to the required amount or exceed if you have it.

REAL ESTATE: This is what many are not aware of that money in property is probably the most widely used proof of funds. It is a known fact that people sell property/ties owned in their home country before landing in canada or relocating to anywhere else and will use the proceed or equity to establish themselves after relocating and if not for permanent residence, it's a kind of high assuring factor that the applicant shall return to his/her home country upon completion of study or visit.

The immigration office appreciate the fact that you may not have sold the property at the point you're required to supply the information/proof and has made allowances for that. Therefore, all you need do is to get a firm of Certified Estate Surveyors and Valuers that is "skilled" in writting this kind of report (cos some basic information that are to be included) to value the property and give a report stating opinion of the current market value of the property , such valuation report MUST be on the firm letter head, duly stamped, sealed and signed. The immigration body can then see how much equity you have on the valuation report.

If the property is on mortgage, you'll need to submit a mortgage statement from your lender showing how much money is owned on the property, then you submit a valuation report along with it to be able to see how much equity available to you on the property. It is assumed that the property would have been sold and the money in your account before landing or relocating finally.

Meanwhile, if the property is an investment property, a rental valuation report can be submitted along with your application to proof/buttress your additional source of income. Therefore, a valuation report is not just a document but a very useful one that could facilitate your visa approval.

In view of above, you may wish to consult us with a view to getting a certied property valuation report, do not hesitate to contact +2348032296562 or +2349049045703 ((Whatsapp)

Here to serve you right and you will be glad u did!.

For several applicants that wish to relocate to Canada, UK, Australia and the likes with their families via the study route. Their major worries are about issues/mistakes that could result lead to their visa refusal and what could be done to prevent same.

Yeah, securing admission to Canada, UK to study is a major achievement. However, before you can pack your bags and move to Canada for your studies, you must get a study permit/visa

That brings us to "how can you avoid getting a rejection on our study visa application?".

If you’re planning to apply for a Canadian study visa, then there are some common factors to watch out for when making your study visa application.

CHOOSING A COURSE/PROGRAM OF STUDY THAT DOES NOT CORRESPOND TO YOUR PRIOR EDUCATION OR EXPERIENCE:

The program you choose to study in canada has a significant impact on whether or not your study permit application will be approved.

If you didn't already know this, you do now. If your study program is not related to your expected career path, prior schooling, or recent job experience, the visa officer may be skeptical that your primary reason for coming to Canada is for education.

If your study program isn't a logical next step following your previous schooling, ensure that your statement of purpose clearly explains why you've chosen that program and how it will benefit your career.


UNACCOUNTED GAPS IN YOUR EDUCATION OR EXPERIENCE:

It is critical to maintain consistency in your education and employment background. If you took a year out from school or were unemployed for a while before applying for a study visa, your application may be denied.

However, if you have genuine reason(s) for a gap in your academic or professional background, you must explain it in your statement of purpose.

FAMILY TIES IN CANADA AND YOUR HOME COUNTRY:

Strong family ties in Canada might often work against you when applying for a study permit. This is what I mean…

If you have siblings in Canada, mentioning them in your application may pass a wrong signal to the immigration officer to believe that you would not return home on completion of your study.

Similarly, if you mention that you don't have any direct family in your home country, the visa officer may believe you don't have a compelling reason to leave Canada after your studies. One way to go around this, is to show stronger ties at home; a job, a personal business, family, landed assets etc.

So whether through Study or Express Entry route, you need to know your onions so as to increase your chances of visa approval.

But higher percentage of applicants do not know what to do or due to ignorance ignore some vital documents that could boost their chances.

Relocating to Canada, U.S.A or United Kingdom through study is one of the best route to moving with one's family and eventually securing a Permanent Residence.

Getting admission to Canada, US or UK for study is a great achievement, however, that's just the first hurdle, before you can pack your bags and move to Canada, US or UK for your study, you must get a visa.

Although, most International students are eligible to apply to come to study in Canada with family members (spouses & children). However, there are few things to note to do this successfully. Let it be known that when you applied for admission, you did that for yourself alone, but when applying for visa, you can include your family (spouse and children) for your study visa

On that note, your visa application shall then determined by three things:

* Purpose of study
* Proof of funds
* Home ties

These three things are the expectations for single applicants as well, but if applying as a family, you have a stronger justification to make. You will need to show additional funds to cater for the family, justify the importance of having family members with you, and have other ties to your country.

Purpose of study:

In your study plan/letter of explanation, you will need to convincingly explain the reasons you chose to study in Canada and why your spouse & children should accompany you to Canada.

Your children can apply for a visitor/study permit (depending on age), and spouse, a visitor/work permit (depending on what they intend to do in Canada)

NB: If you are a student going to a school/program that is not eligible for a post-graduation work permit (PGWP), your spouse is not eligible for the spousal open work permit (SOWP).

This is one of the important reasons to ensure the program you apply for is eligible for PGWP. The study plan helps you to justify the purpose of your study & the importance of having your family with you so that your spouse can work and support the family while you're are studying.

Other reasons could be anything from the fact that your children are young, or your family has never been apart before. Family unification is important to Canada, so you can leverage on that.

Proof of funds (POF)

If you intend to apply with your family, you will have to pay extra application fees & also show more POF than a single applicant. You must also show that you have sufficient funds to support yourself & the family members accompanying you without working in Canada. You are expected to show enough to cover your tuition and living expenses as the student; and the additional funds for the living expenses of those accompanying you. And the total funds you need will depend on your own family number.

To be more practical, you need to show that you have the value of living expenses for one year (Naira equivalent of CAD$10,000 for you in addition to the cost of your tuition for one year).

Let’s say you wish to study for a Masters in Marketing for 2 years, and your tuition is $12,000 per year, you are expected to have the sum of $10,000 living expenses (1year) and $12,000 tuition for one year, a total of CAD$22,000. So if you have a family and you will be applying for them as well, you need to have an extra CAD$4000 for each of them for their living expenses per year.

If you are applying alone (at first), then you or your spouse needs to show enough funds for the living expenses on your family (no definite amount for this but should be sizeable depending on your family size).

Home ties

Proof of home ties, this is very crucial and an important aspect of the Canadian study visa application owing to the fact that many applicants have been denied based on insufficient proof of home ties, that simply means having sufficient fund is not enough to guarantee your visa approval. As an international student, you are a temporary resident & need to show that you have reasons to leave Canada after your study (if required to do so).

IRCC wants to see evidence of your home ties. Many applicants find it easier to use their family members as part of their home ties. But in the case you're applying with your family, it means you must be ready to show other ties.

It could be your business, investments, employment, financial assets and most importantly landed properties (which are mostly preferred due to the fact that landed properties hardly depreciate in value but appreciate more over time and immune to inflation).

Therefore, you must know what the visa officers want to see and craft your application to satisfy them. Submitting a valuation report of your landed assets (land & building) along with other required documents for visa application could actually boost your chance of visa approval.

Either for visit, study, medical or other temporary or permanent residency visa applications, it is strongly advisable for applicants to provide a valuation report of their property(ties) in order to assist and convince visa officer about their economic/financial status in their home country and also as proof of strong home tie to pull the applicant to return on expiration of period granted.

Property Valuation report could make a visa officer develop good mental picture of who the applicant is, it just like what CV is to a job recruiter. An employer can develop an idea who a job seeker is through the CV to decide if the job seeker should be considered or not. A valuation report describe in detail the property(ies) owned by the visa applicant and the corresponding value of such a property either a house undeveloped land, agricultural farmlands etc which undoubtedly could be a strong proof of the applicant tie to the home country that can pull him/her back after his/her study.

This document shows the amount of wealth you own in property(ties) in your homeland which will make a strong pull factor for your return to your homeland once the purpose of your visit is over and that may eliminate doubt of your return and one point of visa rejection.

Also, it could serve as a support document to your proof of fund which are usually liquid assets such as bank deposit etc. It will make lots of senses if you have good financial status as confirmed by your bank statement of account and property or assets valuation report to corroborate your status.

Though, there are many who do not submit this document due to ignorance or it doesn't matter mind set but it would be wise to do it by a smart applicant especially if its a non apprearance visa application or the one you first submit your application for assesment prior to physical interview.

It is important to prove that your housing assets is valuable as a strong home tie for returning after your study abroad or temporary visit and back up for proof of fund especially Canada Express Entry applicants and schooling.

The report would be a guide to the visa officer to establish the affordability of expenses of visit, stay, study and that the applicant have assets that can be liquidated to raise funds if the need arises.

In view of above, you may wish to consult us for engagement in providing you with this service of property valuation to meet your immigration purpose or whatsoever, our expertise team of Registered Estate Surveyors & Valuers with indepth knowledge of valuation will do justice to that to achieve your maximum satisfaction with utmost professionalism.

For any further inquiries, do not hesitate to contact +2349049045703 (Whatsapp only) or +2348032296562.

Here to serve you right...you will be glad u did!.

Thank you

Note: We are not travel agents but only provide valuation service and of the opinion that once you present your application well and provide the required documents in the 3 areas of consideration, your application is good to go

Best regards and do have a lovely day

Great, the property valuation should also include annual renal value to show the total sum the property is generating on annual basis.

exclusvem:
thank you for the feedback

1. The house was built in the name of the Sponsor by his father, he has been receiving rents for years. Power of Attorney is part of what I am including the 2nd application

2. the Purpose of the property valuation report submitted is to determine Open Market Value and Forced Sales Value
3. the Deed of Assignment for the sold land would be included in the 2nd application
4. Deed of gift from the applicant brother is not a property but sum of 2m
5. There was affidavit of support of support and transfer of fund from the Sponsor to the applicant

All your point are well noted

First are you a single applicant or you applied as a family.

If a single applicant, then, do you intend to go for a 2-yr masters program or a year study and at how much tuition fee. Once you determine that, then add CAD20,636 1yr minimum living expenses to your one year tution fee and CAD2000 transportation. Convert the total into naira equivalent and see if fund you have on account is sufficient.

Hope you find this useful?

Dreamerville:
Hello please, I need help, my study permit was refused, and the image below explains why it was rejected, can anyone help me with how to have a stronger application, my semester starts January 27th. Thanks, any answer is appreciated.

Ps. I had 30mil on my account which was transferred few months closer to my application, I also gave them my sponsor SOA, he's a relative of my mom.

Just as mentioned in the refusal note, the sources of fund was poorly documented.

1. The property generating the rental income was gifted the sponsor by the father. Is the father alive or late? If alive, does it mean the father is so bouyant that he doesn't need the rent? How about other siblings? Power of Attorney could have been better. How long has he been receiving the rents

2. What was the purpose of the property valuation report submitted? Is it to determine the property rental value or open market value? Very important

3. On the sale of land, receipt alone cannot be enough to proof the sale but with copy of a well executed Deed of Assignment, cos that's the statutory document through which a landed property can be transferred. But it seem you didn't submit that.

4. Another Deed of Gift from the applicant brother. Any justifiable reason for gifting the property to the applicant or of what benefit is it going to be for applicant either now or in the neatest future?

Lastly, why can't the sponsor make the fund available in the applicant's account with a sworn affidavit of support and the property as home tie for the applicant.

I want to believe that if the application is well repackaged, it might scale through.

exclusvem:
Please house, I need your suggestions and advice on how to address this.

These were the document submitted for the first application

Applicant source of fund document:
1. Employment letter
2. Promotion letters
3. Letter and Email of bonus received from employer
4. 6 months Pay slips
5. Tax Clearance Certificate
6. Bank statement
Sponsor source of fund document:
1. Gift of a deed from his father of the house the generate yearly rent fee
2. Evaluation of the house document
3. Tenancy agreement
4. Rent receipts issued to tenants
5. Picture of the house
6. Sale of land receipt
7. Bank transfer receipt from the buyer of the land
8. Land Survey of the sold land
9. Employment letter
10. Confirmation letter and promotion letter
11. 6 months’ pay slips
12. Bank Statement
Gift of deed from Applicant Brother document
1. Employment letter
2. Promotion letter
3. Pay slips
4. Bank Transfer Receipt
5. Official ID
6. Birth certificate to show proof of relationship

50% of tuition paid
Total of 60k CAD naira equivalent as proof of fund

Great advise, to avoid had I know!

Kurukuru:
The rule of thumb is that every temporary visa holders must buy a return ticket. Because flight tickets are valid for one year, that is why those going for study or visit that is more than one year are advised to buy one way. If your airline says your program duration can accomodate a return ticket, please buy it o. CBSA is not smiling right now. They have return so many people from the airport since this cry of "students are coming to take our jobs" started by the locals. Remember that having a visa is not a guarantee of entering Canada. CBSA has the final say.

THE MOST AFFORDABLE REAL ESTATE INVESTMENT OPPORTUNITY IN LAGOS.

Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.

Among the legacies left behind by Alhaji Lateef Jalande ( former Lagos State Governor) are the Low Income Housing Estates strategically located across the state. It shouldn't be an overstated if one says Alhaji Lateef Kayode Jakande was the best ever Governor produced by Lagos State and even the country as whole.

Late Lateef Jakande was a strong member of the Unity Party of Nigeria (UPN) and the party had four cardinal programmes- free education, free health, integrated rural development and gainful employment at that time. It was Alhaji Jakande that added Mass Housing in Lagos State to the list and today the legacies of those housing estates lived after him.

To build the housing estates, Jakande set up a committee to search for vacant land across Lagos State and had a list of lands twelve (12) months before the elections, that means he already planned ahead even before becoming the governor, a great lesson for everyone to always plan ahead for the future especially real estate investment. Had it been that the funds were invested on luxury vehicles for government officials his memories would have faded away for the reason that non of such vehicles will still be on the road this present time.

When he eventually assumed office, he asked civil servants to look for land, they told him there was none because landowners had sold them. He brought his prepared list of available lands to activate the scheme, so if someone tries to discourage you, once you are armed with strong information the problem is solved. The lesson from that is, negotiate rather than abandon your policies.

The Low Cost Housing Estate, Oke-Afa, Isolo in Lagos state is one of the many estates developed during Governor Lateef Jakande regime. The estste is a well planned, properly laid out with networks of tarred and motorable roads in a serene and secured environment. The estate is provided with football fields, basket ball courts, community halls, community Shopping Center, traffic lights among other facilities and infrastructures. Oke-afa Isolo is a town that lies in the Oshodi-Isolo Local Government Area in Lagos state. This is a town that lies near Apapa-Oshodi Expressway and its major link roads are Mushin - Isolo Road enroute Lagos Polythenic, Isolo Campus.

Meanwhile, the Osolo way Off Muritala International Airport road and Okota road, off Apapa - Oshodi expressway also link to Isolo. Also, one can access the estate from Ire Akari Estate and through the recently constructed Ajao Estate - Canoe bridge - NNPC deport road. Therefore, Isolo Lagos is a very popular and busy town in Oshodi-Isolo LGA. It is near Ago Palace Way, Ejigbo, Ire Akari Estate and Ajao Estate.

At Jakande Estate, Oke Afa, Isolo an investor can get a well maintained 3-bedroom flat to buy at the price of between N17m and N20m depending on the floor level and condition of maintenance whilst a 2-bedroom flat for between N12m and N15m depending on the floor level and state of repairs. A 3-bedroom semi detached bungalow (self compound) with sells for N35m or there about depending on the state of repairs.

Currently, a 3-Bedroom flat in the estate goes for a rent of between N800,000 and N1,000,000 per year and could be higher if the flat is well renovated and can be furnished for short rent. Further to that, due to the high rate of property demand in the estate, resulting in rapid value appreciation, in the next 2 or 3years, a 3-Bedroom flat in the could be selling for between N20m and N25m if not more.

Both the flats and bungalows command good rental values and could be resell at higher price after a while because of high appreciation rate due to increase in demand for properties to buy by investors in the estate.

Therefore, either it's planning for retirement, saving for children college fund or earning residual income, investing in real estate is a very good investment vehicle that could be highly effective.

Real estate investments are lower risk, yield better returns and offer greater opportunities. However, majority of young adults believed that real estate investment is only for the super rich. No! Real estate investing is for everyone and you too can start today especially with the affordability of housing units in an estate like Jakande Estate Oke Afa Isolo.

Therefore, should you wish to invest in real estate by buying a property at Jakande Estate, Oke-Afa, Isolo, Lagos and ready with fund. Do not hesitate to contact us on +2349049045703 or +2348032296562 (both lines are WhatsApp enabled) or send email to a2realmartoptions@gmail.com

Thank you.

THE MOST AFFORDABLE REAL ESTATE INVESTMENT OPPORTUNITY IN LAGOS.

Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.

Among the legacies left behind by Alhaji Lateef Jalande ( former Lagos State Governor) are the Low Income Housing Estates strategically located across the state. It shouldn't be an overstated if one says Alhaji Lateef Kayode Jakande was the best ever Governor produced by Lagos State and even the country as whole.

Late Lateef Jakande was a strong member of the Unity Party of Nigeria (UPN) and the party had four cardinal programmes- free education, free health, integrated rural development and gainful employment at that time. It was Alhaji Jakande that added Mass Housing in Lagos State to the list and today the legacies of those housing estates lived after him.

To build the housing estates, Jakande set up a committee to search for vacant land across Lagos State and had a list of lands twelve (12) months before the elections, that means he already planned ahead even before becoming the governor, a great lesson for everyone to always plan ahead for the future especially real estate investment. Had it been that the funds were invested on luxury vehicles for government officials his memories would have faded away for the reason that non of such vehicles will still be on the road this present time.

When he eventually assumed office, he asked civil servants to look for land, they told him there was none because landowners had sold them. He brought his prepared list of available lands to activate the scheme, so if someone tries to discourage you, once you are armed with strong information the problem is solved. The lesson from that is, negotiate rather than abandon your policies.

The Low Cost Housing Estate, Oke-Afa, Isolo in Lagos state is one of the many estates developed during Governor Lateef Jakande regime. The estste is a well planned, properly laid out with networks of tarred and motorable roads in a serene and secured environment. The estate is provided with football fields, basket ball courts, community halls, community Shopping Center, traffic lights among other facilities and infrastructures. Oke-afa Isolo is a town that lies in the Oshodi-Isolo Local Government Area in Lagos state. This is a town that lies near Apapa-Oshodi Expressway and its major link roads are Mushin - Isolo Road enroute Lagos Polythenic, Isolo Campus.

Meanwhile, the Osolo way Off Muritala International Airport road and Okota road, off Apapa - Oshodi expressway also link to Isolo. Also, one can access the estate from Ire Akari Estate and through the recently constructed Ajao Estate - Canoe bridge - NNPC deport road. Therefore, Isolo Lagos is a very popular and busy town in Oshodi-Isolo LGA. It is near Ago Palace Way, Ejigbo, Ire Akari Estate and Ajao Estate.

At Jakande Estate, Oke Afa, Isolo an investor can get a well maintained 3-bedroom flat to buy at the price of between N17m and N20m depending on the floor level and condition of maintenance whilst a 2-bedroom flat for between N12m and N15m depending on the floor level and state of repairs. A 3-bedroom semi detached bungalow (self compound) with sells for N35m or there about depending on the state of repairs.

Currently, a 3-Bedroom flat in the estate goes for a rent of between N800,000 and N1,000,000 per year and could be higher if the flat is well renovated and can be furnished for short rent. Further to that, due to the high rate of property demand in the estate, resulting in rapid value appreciation, in the next 2 or 3years, a 3-Bedroom flat in the could be selling for between N20m and N25m if not more.

Both the flats and bungalows command good rental values and could be resell at higher price after a while because of high appreciation rate due to increase in demand for properties to buy by investors in the estate.

Therefore, either it's planning for retirement, saving for children college fund or earning residual income, investing in real estate is a very good investment vehicle that could be highly effective.

Real estate investments are lower risk, yield better returns and offer greater opportunities. However, majority of young adults believed that real estate investment is only for the super rich. No! Real estate investing is for everyone and you too can start today especially with the affordability of housing units in an estate like Jakande Estate Oke Afa Isolo.

Therefore, should you wish to invest in real estate by buying a property at Jakande Estate, Oke-Afa, Isolo, Lagos and ready with fund. Do not hesitate to contact us on +2349049045703 or +2348032296562 (both lines are WhatsApp enabled) or send email to a2realmartoptions@gmail.com

Thank you.

For a 2-yr program yes, but for a year program it is advisable to get round trip ticket to avoid being considered as a potential immigrant with no intention of returning to home country.

What is worth doing, is worth doing well to avoid had I know.

gretop86:
Hello house,

Please is it compulsory to buy a round trip/ 2-way travel ticket when traveling to Canada for a 1 year PGD program? I am resuming in January, 2025 and bought an Egypt air one way ticket thinking that I can buy a return ticket later but the online travel ticket platform I got the ticket from has been calling me saying that with a study visa, it is compulsory I buy a round trip/2 way ticket with Egypt air else I might have issues when traveling. Please is this true or do they just want to sell travel tickets.

I was told by a friend that I can buy a one way ticket on Egypt air if I have paid for my first semester in full and all I need to do is to have a print out of it with me. I don’t know how true this is.

Please kindly advise me on this to avoid issues when traveling. I look forward to your all responses. Thanks a lot.

Do you have a salary account showing Monies paid into the account from your dad's company as the manager (at least 6months salaries)?

MarksmanD:
I think you should wait for your GCMS notes to properly understand the reasons why you were denied. But from your explanation, it seems like you didn't document how your dad amassed his funds by submitting receipts, payslips and invoices. Then also for your home ties, I think you should state in your SOP that as a manager in your dad's company, you're already being groomed to replace your dad as the next CEO in his company and you're going to Canada to get the needed academic qualifications to give you the right knowledge to act effectively in this capacity when you return back to Nigeria to take over from your Dad. Do away with any work experience that doesn't tie you directly to your dad's company.

All over the world,people can liquidate landed asset to raise fund to meet immediate desired need. In that case you'll need to present copy of deed of Assignment prepared and stamped by a lawyer regarding the transaction showing your dad's name as the assignor and the buyer as assignee. The bank statement showing the buyer's name and the amount paid, copy of purchase receipt issued to the buyer by your dad and copy of the title documents on the land/property sold.

Car is a moveable asset bound to depreciate in value over time unlike land and building.

Edrick:
One more thing sir, in the future, would selling my father’s land and adding the proceeds from this sales to my POF be considered? Or would it still be termed a lump sum. I’m considering this option for my reapplication. There’s a couple of buildings also. Then there’s one of my mum’s car I wanted to use the first time, but since I wasn’t using her account,
I didn’t consider these things at all