Thanks much for your much valued response. What is the exact reason for asking applicants to declare their liabilities alone instead of both assets and liabilities? The fund in my account is about 3 times the minimum requirement for a family of 5, and have been maintained stably without issues in the last 6 months, but I have a personal loan taken to buy a house (due to the relatively low prevailing interest rate). The outstanding balance I have on my loan is slightly above the fund in my account, however, I do have several other assets, including a house, stocks, landed assets and end of service benefit from employment. Now that I have given a full detail of my situation, do you advise I do anything differently or should I still not be worried. Appreciate your feedback once more.