MEND001:
Nigerians like to cheat themselves

alphavictor07:

I am enrolled in a 2-year program, and I have attached a fee receipt of 500 CAD from the school. The funding is from a bank loan which covers both tuition and other expenses (mentioned in my previous visa application). The loan is disbursed according to the school's demand request and transferred directly into the school's account (I forgot to mention this detail in my previous application).

Thank you for your input, guys.

amnotapervert:
Average 3 bedroom Town-house in Scarborough is around $750,000 to $830,200 What is the mortgage payment for that ?

I got my investment property with my sister

Which is at Scarborough, ON a 3 bedroom

it's about a 7 mins drive from Centennial College

I got at $560,000 back in 2022 with 20% with mortgage of $2,482.64 per month that's minus condo fee, insurance and utilities which is about $3,221.32 I didn't add internet and repairs so let's say $3,400.

How much rent should we collect from people per room?

Toronto isn't a cheap city

JMG12:
If you have receive your GCMS note can you share on the thread, so all to see and make comments.

bullstriker:
The officer may have missed the loan part, as it was not mentioned in the GCMS note. Could you get the bank to pay tuition? All the best

bullstriker:
The officer may have missed the loan part, as it was not mentioned in the GCMS note. Could you get the bank to pay tuition? All the best

alphavictor07:

I could request the disbursement of a small amount (500$) to demonstrate the genuineness of the sanction letter, would it work?

bullstriker:
What is the duration of the program?
Did you do GIC? If yes, what was the amount?
Did you pay part of your tuition fee? If yes, how much? And did you the get the official receipt from the school?
Was the loan from Mpower or a bank loan? Ensure you mention precisely what the funding covers, how much will be provided per period and when it will be disbursed. It looks like your application lacks important details.
N/B: The Officer mentioned there was no proof of GIC and tuition payment

sternakin:
Aside Submitting the documents pertaining to the loan, did you explain details of the loan in your letter of explanation? As in what it covers, disbursement and repayment plans.

Those officers do not have much time to be pulling out details from documents, LOE should that and the documents to acknowledge the details.

amnotapervert:
Average 3 bedroom Town-house in Scarborough is around $750,000 to $830,200 What is the mortgage payment for that ?

I got my investment property with my sister

Which is at 30 Meadowglen Pl, Scarborough, ON M1G 0A6. 3 bedroom

it's about a 7 mins drive from Centennial College

I got at $560,000 back in 2022 with 20% with mortgage of $2,482.64 per month that's minus condo fee, insurance and utilities which is about $3,221.32 I didn't add internet and repairs so let's say $3,400.

How much rent should we collect from people per room?

Toronto isn't a cheap city

Bobomaigida:


The fact is that 95% of our people coming to study cannot afford the quoted rent, not with the recent devaluation in Naira. Those who can afford it might not be willing to share a space like that since they can alternatively get a bigger space with their resources. I think your target market should be PRs or working class TRs. I doubt if students can take this up, but you never can tell o. A student might like it and take it up.

Itiswell2334:
Hey Guys please I have a question??…..my mom is giving me a gift deed to cover my full tuition and 90% living expenses while the remaining money to cover the 10% living expenses and miscellaneous expenses comes from my savings from my employment…..the gift deed money comes from the sale of my mom’s land………. okay so in this case is my mom my sponsor or I should just go straight to the point and write in my loe that my pof comes for a gift deed from my mom to support my education combined with my savings without saying my mom is my sponsor…… I am a little confused is she my sponsor or not? Please I need answers

HappyMangle:

And why?

Stanley80:
she's your sponsor as far she covers larger % of your expenses.

Greyworld:

Depends on where he did his biometrics, if lagos then he can go and submit it there, though I used a courier(DHL) it took about 14 days for me to get mine back.

Lowoa:


Hi there! Have they returned you passport?

alphavictor07:

I have attached my refusal letter and GCMS note below:

Image 1: Refusal letter
Image 2: GCMS note

OllyM:
Congratulations, I'm so happy for you🤭

Kurukuru:
Delusion!

Greyworld:

Yes.

Lowoa:
I drop my PPR through DHL since November 28. Tracking is still showing under processing. Please what can I do?

Lowoa:
I drop my PPR through DHL since November 28. Tracking is still showing under processing. Please what can I do?

Lowoa:
I drop my PPR through DHL since November 28. Tracking is still showing under processing. Please what can I do?

amnotapervert:


Students are most likely to leave your apartment or house after completing their studies or the end of an academic term.

If you understand Ontario tenancy rules as a landlord, you wouldn't want to rent to someone who refuses to leave your house while not paying rent — it's madness.

Some tenants misuse the slow processing times of the Ontario Landlord and Tenant Board (LTB), refusing to move out despite not paying rent.

This is why landlords often require several documents before renting out their property, including:
1. Lease agreement
2. Bank statements
3. Employment letter
4. Proof of income
5. References
6. Credit report
7. Employment information

Newcomers often don't have all these documents, which makes it more challenging for them to secure rentals.

For example, in a recent case in Brampton, a tenant refused to pay rent or move out for 11 months, leaving the landlord with $30,000 in losses.

https://globalnews.ca/video/10808624/tenant-finally-leaves-brampton-home-without-paying-32k-in-rent

While this wasn't my property, it highlights the risks landlords face.

From my experience, Chinese students are usually reliable tenants — they pay on time, keep the house clean, and require minimal repairs. Their focus on maintaining the property often makes them ideal tenants.

However, I don't rent to Indian tenants as I find they often bring unnecessary stress. If you know, you know.

You’ll fully understand these challenges and risks if you own a property as an investment, and I pray you have that opportunity one day in 🇨🇦

Hoelujohn:


Real Estate should not be a form of investment, simple. If you go into it, whatever you see, take. They are the major reason why people can't have afford housing

MizMyColi:
Hi all,

Reading back on the thread, I saw that you got your PPR recently. Please I'll like to know if you submitted your passport to Lagos, Abuja or Kenya and how long did it take for you to receive your passport back?

cc:
Greyworld
tobe1997
techgen
Vankayyyyy
Rez86
damyzel
sammiy
Roseroyce

TradeSunMoore:
i.
Just go and pick up your stamped passport at VFS. It should be there.