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Any help on this please?

Hi All, I am in a fix as to what to do. I took a personal loan of 20,000 CAD in February and paying monthly EMI. I received ITA in May and my current cash balance is less than 20000. 1. Considering the timelines, is there any chance of my personal loan being construed as borrowing for PoF...

Are gift deeds from in-laws acceptable? Considering that I'm applying together with my spouse? Also can I show my rental advance deposit as a POF? Once I leave this house that would be returned to me.

Is it necessary to show a personal loan on my POF account? Will they offset the loan value against my POF? I took the personal loan in February for a totally different purpose while I got the ITA in May. Would that be bordering on not meeting the unencumbered criteria?