You definitely do not have enough money. Have you researched on what it actually costs to live and study on Canada? And besides, you having the need to borrow money shows you do not have the financial capacity to study in Canada.
Your SOP is also very generic and doesn't say much or convincing at all.
The visa officer don't really have the time to read everyone's sop. Your documents shows clearly that tyou are not a genuine student with intentions to study nor have the financial capacity to do so.
This time around I'm showing
Personal savings fund: $21,536.00
Joint acc (with my wife): $22,572.00
Father savings fund: $49,000.00
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Total accumulated more or less: $90,000
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Besides have my own apartment value: around $90,000
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