can i be denied visa?

[wooriedme]

i have this long problem.
my father was at a very good post with a company and earning in six figures,6 years back,then he resigned and hasnt been working since,except for the past one year.now he is working in a top company as the vice-president,due to the financial problem for so long,our bank account hasnt been filled much,in the last one year whenever he earned we wouldnt deposit it,rather we would use it directly or save it at home.now again he has joined the company and he earns a the same amount plus incentives too.but we have yet to start depositing the money in the bank.so
*we dont have much liquid cash.
but we do own our house which is certified to be worth 1 crore.
*we have farms in our village though they havent been transfered to dads name and are by our grandfathers name who has passed away,
*we have another plot worth around 25 lakh.

Ive been admitted to a university in canada for the january session and have also recieved 1000 dollars scholarship.i will be applying for visa by november ending.
Iam about to pay the resident fee in a few days,the total fee for the four years of study is around 25 lakhs.
THE PROBLEM
Will NOT having liquid cash at the momenteffect my visa approval.we plan to take education loan for my studies.In a few months time though,there would be absolutely no problem of any kind.
My parents plan on saving money so that they can pay back the education loan side by side.
IF such a thing happens,is there ANY other way we can overcome this problem?
We can also show my fathers earning per year.will that be a positive point?
my parents have no son and all of us are sisters,so there is no question of me not coming back home.
ive applied for mechanical engg which is under co-op programme.and it isnt available in india.

please give me answers about which you are sure of

 

[eduardoF]

i have this long problem.
my father was at a very good post with a company and earning in six figures,6 years back,then he resigned and hasnt been working since,except for the past one year.now he is working in a top company as the vice-president,due to the financial problem for so long,our bank account hasnt been filled much,in the last one year whenever he earned we wouldnt deposit it,rather we would use it directly or save it at home.now again he has joined the company and he earns a the same amount plus incentives too.but we have yet to start depositing the money in the bank.so
*we dont have much liquid cash.
but we do own our house which is certified to be worth 1 crore.
*we have farms in our village though they havent been transfered to dads name and are by our grandfathers name who has passed away,
*we have another plot worth around 25 lakh.

Ive been admitted to a university in canada for the january session and have also recieved 1000 dollars scholarship.i will be applying for visa by november ending.
Iam about to pay the resident fee in a few days,the total fee for the four years of study is around 25 lakhs.
THE PROBLEM
Will NOT having liquid cash at the momenteffect my visa approval.we plan to take education loan for my studies.In a few months time though,there would be absolutely no problem of any kind.
My parents plan on saving money so that they can pay back the education loan side by side.
IF such a thing happens,is there ANY other way we can overcome this problem?
We can also show my fathers earning per year.will that be a positive point?
my parents have no son and all of us are sisters,so there is no question of me not coming back home.
ive applied for mechanical engg which is under co-op programme.and it isnt available in india.

please give me answers about which you are sure of

Hi,

I studied in Canada (master's), and now I study in France (pdh). So I have the experience of studying in two different countries, and going through study visa application procedures twice. Nevertheless, I cannot claim to be an specialist, so take my words with caution.

* Planning to take a loan to pay for your studies show that you have no cash to afford it. If you go to the visa office and say you're "planning to take a loan", they will not be impressed. Either take the loan now, or a scholarship - again, this is just based on my experience, not "the truth";

* What the visa office wants to see is that you or your sponsor (in this case, your father) has enough cash flow to cover your expenses - in other words, it looks better if your father has a regular job, or at least that he can prove to have a regular year-to-year income. Owning a house or a plot is not much help - unless you can convince the visa office that your father would be willing to sell it to pay for your studies...

* Not having any brothers doesn't do anything for you. What does not having brothers have to do with going home? This is what you have to keep in mind: the person who evaluates your application is a Canadian with a canadian mind. And in Canada, women do leave home, do live alone, get married without their parents' consent, etc. Your application has to make sense for a Canadian, not for a person of your nationality;

* If at all possible, ask the university to provide you with contact info of a few people of your country to attended that university. You could then ask those people to write a short letter saying how their canadian education helped them get a better job or whatever when they went back home - that's just an idea;

In my opinion, your two problems are:

- You must convince the visa office that you father has, and will have throughout your stay in canada,a regular flow of cash, or sufficient savings, to cover your expenses;

- You must convince the visa office that you'll go back home after you graduate. Personally, I think this is silly, specially for long term programs. If you're young and you go to another country and live there for 4, 5 years, your whole life is in the new country. And then they ask you to go back - even though after all that time, you probably lost contact with friends, professional links, etc. Well, not the right place to discuss immigration policies.

good luck!

 

[wooriedme]

yes though we dont have savings at the present,we will definitely have a regular paycheck .
we wont be telling the visa authorities about the loan,because we will shortly pay the first year fee,and that is before we submit our visa request.the university liaison office here,has recommended us to apply for loan.and also as im going for co-op prog,there will be good chances that i will be able to cover some of my tution fee,if i get good grades.
the only problem right now is the savings,if i wouldve applied for the summer semester,there wouldnt even have been a problem of savings.

 

[kiwibonga]

All I ever had to show as proof of funds was a letter from the HR department at my dad's job stating his position and his yearly salary... I would write that I have $10,000 available to cover my expenses in my visa application... Good thing they never asked for proof, because I don't think we have a single account with a positive balance...

 

[wooriedme]

thankgod!!atleast someone who has the same problem!!did u get ur visa?iim so scared my visa may get denied,for other reasons as well,how long did it take them to approve ur visa?

 

[04el82]

4 years bachelors fees is just 24 lacks rupees in canada? in which university u got the admission and 24 laks can cover ur everything university fees, food etc accomodation.

I believed embassy will see ur father 4 months bank transaction and plus what funds you have right now available with you, just try it, if you elder brother or ur father brother can help u out it would be advantage for u make sure both are living in Pakistan.

I will also apply again for study permit and my one year fees is 28 lacks bro..