@Aijaynwoke
Pls clarify the part marked in red on your post below, what letter does you hubby want to see before he acts and from who?
As per your post, your POF was inadequate at submission of initial application but was
"supported" with three landed property document. The truth is that you have come this far and it is just a case of how much you & your hubby want this for your family. Landed property is not acceptable as POF as it is not classified as easily disposable.
If you sell these items (your car and one of the land) and raise the POF and deposit the lump sump, you just need to generate the paper trail showing, you sold these items. Good thing is that this landed property document was shown in your intial application, with the proper documentation AVO will be convinced you indeed disposed your property and you now have the needed POF.
Your paper trail must be as detailed as possible, since you mentioned that you guys are currently building and all your income goes into the project, my inference is that your accounts - yours and hubby combined - is very low at the moment and so the bulk (may be 90% or more) of the value of your POF will be from this massive sale and depending on how many days you have been given - 30 or 60days, when such huge some goes in, it sets up all forms of alarms and sirens
With the right paper trail, all should be well. I assume with the letter, your hubby wants so be 105% certain before selling any property, but life is all about taking chances and trusting God, think of it this way, you guys have three lands and building a house maybe even on one at the moment. If you sell one and your car, you are okay to still keep your dreams alive. God forbid it there is any hiccups, you still have your liquid cash to reinvest possibly in another land or something better.
Just think about it and as a family, hold hands and pray, trust God for the rest.
Aijaynwoke said:
We submitted our application with less required amount but with three landed property documents. The truth is if we sell my car and one property added to what we have now it will be more than what is required. The issue is my hubby want to see the letter before he acts. What document should we submit to delete any doubt regarding this POF definitely we will have lump sum if we sell the properties. Another thing is we are building our house so most of our income goes to it. This is giving me sleepless night I need advice my bros and sis. God blessu s all.