Bukky562:


Hello, I had 5 million in my bank statement.

Oh nice thanks for the info

A well-written statement of purpose with supporting documents is vital in addressing such reasons. A review of the following questions could help you determine how to address the issues related to you.
What are the job prospects in Nigeria after completing the program? Is the program worth the cost? Was your salary small? Did you submit sufficient employment documents like an employment letter, pay slips or bank statements showing your monthly salary, Work ID, etc.? Were you recently employed?

There are many reasons why a VO might have an issue with your intention to pursue studies. One such reason is redundancy concerning previous education. So, order your GCMS note to know the concern of the VO.

YulPapparrazi:
Good morning All

I got this mail from them, please any advise on how to go about it because it’s quite straightforward

You will need a new PAL

Tobby76:
Good evening everyone, I'm seeking clarification on my PAL .
I recently had my study permit application rejected, so I've decided to defer my admission until January to reapply. My current PAL is valid from September or until the end of my studies.
My question is: Will I receive a new PAL with my updated admission letter for January, or will my existing PAL remain valid?

bullstriker:
You will need a new PAL

Ok boss, but Should I expect a new PAL to be included with my updated acceptance letter, or will I need to submit a separate request for it??

bullstriker:
You will need a new PAL

But what if I submit my reapplication before the end of September? Will my existing PAL still be valid for use?

Nasri100:


Congratulations

How much was in your bank account for the statement?

My cousin is planning and I want to sponsor him

I had 5 million plus in my account and 5 million as fixed deposit

bullstriker:
A well-written statement of purpose with supporting documents is vital in addressing such reasons. A review of the following questions could help you determine how to address the issues related to you.
What are the job prospects in Nigeria after completing the program? Is the program worth the cost? Was your salary small? Did you submit sufficient employment documents like an employment letter, pay slips or bank statements showing your monthly salary, Work ID, etc.? Were you recently employed?



There are many reasons why a VO might have an issue with your intention to pursue studies. One such reason is redundancy concerning previous education. So, order your GCMS note to know the concern of the VO.

Thank you for this info

YulPapparrazi:
Good morning All

I got this mail from them, please any advise on how to go about it because it’s quite straightforward

sorry for your refusal, please when did you submit your application?

Johnames:
sorry for your refusal, please when did you submit your application?

July 11

Good day guys,
I just received my second refusal letter. Please I need your advice on how to tackle the reasons for my refusal. Attached is the letter from IRCC

Hi guys is there anyone that has applied to NBCC for 2025 and is there a group chat

Wow, what did you use as your home ties please

Bukky562:


Yes, I did it myself. I had 5 million in my account and 5 million as fixed deposit. I also got sponsored by my aunt and uncle.

Sorry about your refusal.
What was the reason the first time? Same as the second one?

Popson09:
Good day guys,
I just received my second refusal letter. Please I need your advice on how to tackle the reasons for my refusal. Attached is the letter from IRCC

Popson09:
Good day guys,
I just received my second refusal letter. Please I need your advice on how to tackle the reasons for my refusal. Attached is the letter from IRCC

Sorry to hear this, what were the initial reasons?
And what did you try to do differently?
Or is this a new reason from them?

God go do am for everyone looking for visa 🙏🏽

I missed the “…. end of the program part” mentioned in PAL. If that’s the case, your PAL is valid and you can use the same PAL.

bullstriker:
You will need a new PAL

I missed the “…. end of the program part” mentioned in PAL. If that’s the case, your PAL is valid and you can use the same PAL
Concerning your question, some schools issue deferred LoA with the PAL if you have paid the initial deposit, while others issue PAL after LoA. But it is safer to request it.
.

Tobby76:


Ok boss, but Should I expect a new PAL to be included with my updated acceptance letter, or will I need to submit a separate request for it??

Hi guys do I need to pay Package Transmission Service Charge for children, he's not eligible for biometric.

These are just generic reasons for the denial. I will advise that you order for the GCMS note immediately. With GCMS note, you will be able to know the exact reasons why your visa was refused. Goodluck.

Popson09:
Good day guys,
I just received my second refusal letter. Please I need your advice on how to tackle the reasons for my refusal. Attached is the letter from IRCC

I think you guys can just create your whatsapp group if you dont see an existing whatsapp group soon enough.

Zaynab42:



Please when you find let us know abeg

Amen

YulPapparrazi:
God go do am for everyone looking for visa 🙏🏽

Often times people asked why their visa applications were denied based on "insufficient assets" or financial status or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of title documents on their landed assets (which probably do not contain the current value of such property).

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current overall monetary worth of the property(ies) and would also demonstrate how those property(ies) can motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That document is a valuation report, it is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose. In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

sternakin:

Often times people asked why their visa applications were denied based on "insufficient assets" or financial status or insufficient home ties" or "unexplained source of huge deposit on account " despite submitting copies of title documents on their landed assets (which probably do not contain the current value of such property).

Therefore, it not all about including landed property title documents only in your application, you need additional document that tells the current overall monetary worth of the property(ies) and would also demonstrate how those property(ies) can motivate your departure after your study or vacation and how you plan to utilise the property(ties) upon your return home. VERY IMPORTANT!!!

That document is a valuation report, it is a document prepared by a firm of registered Estate Surveyors & Valuers showing the current market value(s) in monetary worth of your landed property(ties), use of the property (either residential as owner occupied or rented for income generation, your future plan for the property etc). So, it can also be used as proof of additional source of income as the case may be or back up landed asset liquidated to raise fund on account for your study purpose. In other word, it's a multipurpose document that can boost your chance of visa approval.

So, often times, huge money in the bank alone might not guarantee you but other support documents like your property/assets valuation report could do the magic.

Please I have a question

If the VO stated some reasons of refusal based on some documents, does that imply he/she is aligned with the other documents? Is there a wholistic review ?

Relocating to Canada, U.S.A or United Kingdom through study is one of the best route to moving with one's family and eventually securing a Permanent Residence. Getting admission to Canada, US or UK for study is a great achievement, however, that's just the first hurdle, before you can pack your bags and move to Canada, US or UK for your study, you must get a visa.

Therefore, for an applicant to avoid getting a rejection on his/her study visa application, kindly take very careful note of some common factors to watch out for when making your study visa application.

Although, Msc International students are eligible to apply to come to study in Canada with family members (spouses & children). These are few things to note to do this successfully. Let it be known that when you applied for admission, you did that for yourself alone, but when applying for visa, you can include your family (spouse and children) for your study visa

On that note, your visa application shall then be determined by three things:

* Purpose of study
* Proof of funds
* Home ties

These three things are the expectations for single applicants as well, but if applying as a family, you have a stronger justification to make. You will need to show additional funds to cater for the family, justify the importance of having family members with you, and have other ties to your country.

Purpose of study:

In your study plan/letter of explanation, you will need to convincingly explain the reasons you chose to study in Canada, how your studying abroad will be of benefit to you either as an employee or self employed and why your spouse & children should accompany you to Canada (if going as a family).

Your wife or husband can apply for Open Work permit (depending on your program of study), and children visitor

NB: If you are a student going to a school/program that is not eligible for a post-graduation work permit (PGWP), your spouse is not eligible for the spousal open work permit (SOWP).

This is one of the important reasons to ensure the program you apply for is eligible for PGWP. The study plan helps you to justify the purpose of your study & the importance of having your family with you so that your spouse can work and support the family while you're are studying.

Other reasons could be anything from the fact that your children are young, or your family has never been apart before. Family unification is important to Canada, so you can leverage on that.

Proof of funds (POF)

If you intend to apply with your family, you will have to pay extra application fees & also show more POF than a single applicant. You must also show that you have sufficient funds to support yourself & the family members accompanying you without working in Canada. You are expected to show enough to cover your tuition and living expenses as the student; and the additional funds for the living expenses of those accompanying you. And the total funds you need will depend on your own family number.

Home ties

Proof of home ties, this is very crucial and an important aspect of the Canadian study visa application owing to the fact that many applicants have been denied based on insufficient proof of home ties, insufficient assets, that simply means having sufficient fund on account is not enough to guarantee your visa approval. As an international student, you are a temporary resident & need to show that you have reasons to leave Canada after your study (if required to do so).

IRCC wants to see evidence of your home ties. Many applicants find it easier to use their family members as part of their home ties. But in the case you're applying with your family, it means you must be ready to show other ties.

It could be your business, investments, employment, financial assets and most importantly landed properties (which are mostly preferred cos they hardly depreciate in value but appreciate more over time).

Therefore, you must know what the visa officers want to see and craft your application to satisfy them. Submitting a valuation report of your landed assets (land & building) along with other required documents for visa application could actually boost your chance of visa approval.

Either for visit, study, medical or other temporary or permanent residency visa applications, it is strongly advisable for applicants to provide a valuation report of their property(ties) in order to assist and convince visa officer about their economic/financial status in their home country and also as proof of strong home tie to pull the applicant to return on or before expiration of period granted.

Property Valuation report could make a visa officer develop good mental picture of who the applicant is, it just like what CV is to a job recruiter. An employer can develop an idea who a job seeker is through the CV to decide if the job seeker should be considered or not. A valuation report describe in detail the property(ies) owned by the visa applicant and the corresponding value of such a property either a house undeveloped land, agricultural farmlands etc which undoubtedly could be a strong proof of the applicant tie to the home country that can pull him/her back after his/her study.

This document shows the amount of wealth you own in property(ties) in your homeland which will make a strong pull factor for your return to your homeland once the purpose of your visit is over and that may eliminate doubt of your return and one point of visa rejection.

Also, it could serve as a support document to your proof of fund which are usually liquid assets such as bank deposit etc. It will make lots of senses if you have good financial status as confirmed by your bank statement of account and property or assets valuation report to corroborate your status.

Though, there are many who do not submit this document due to ignorance or it doesn't matter mind set but it would be wise to do it by a smart applicant especially if its a non apprearance visa application or the one you first submit your application for assesment prior to physical interview.

It is important to prove that your housing assets is valuable as a strong home tie for returning after your study abroad or temporary visit and back up for proof of fund especially Canada Express Entry applicants and schooling.

The report would be a guide to the visa officer to establish the affordability of expenses or visit, stay, study and that the applicant have assets that can be liquidated to raise funds if the need arises.

Note: Once you present your application well and provide detailed information about your sources of fund (especially any recent lump sum deposit) , home ties (assets worth) backed with required documents , sufficient fund to cater for your tution/living expenses based on family size, your application is good to go

YulPapparrazi:



July 11

okay thanks

OllyM:
Wow, what did you use as your home ties please

My nuclear family, grandmother and my workplace.

[quote author=Bukky562 post=132123088]

My nuclear family, grandmother and my workplace.







Please dear, did you submit any letter from your work place?(Recommendation letter)

Hello Everyone,


I am planning to use $20k GIC certificate along with a loan to cover for my One year postgraduate certificate fees payment with a monthly repayments of $389.4 for 48 Months... I'm self sponsored and plan on stating on the LOE that my current Salary (N500,000) from where I'm currentoy Employed and Personal Business will cover for the Montly repayment while schooling in Canada...


Is this above a good strategy or should I pay full school fees and use pof to cover for the $20k cost of living for the Canada study visa... I'm avoiding this way because of the stress of explaining lump sums to the visa officer...

Please which of the options is better. Your feedbacks is highly needed, thank You

Good morning Everyone,

Please friends and gurus in the house, kindly help. I submitted application for a family of 4. 4statement of accounts (GTBank (naira & Dom Acc) Zenith Acct and Stanbic Acct (Mutual fund Account containing N44.9m) which was in my maiden name. My Sister in law residing in US paid my school fees in full. I attached her work and yearly tax assessment, her birth certificate, change of name, marriage certificate and my home ties- my dad, landed properties. i attached my husband's statement of account his home ties about 4siblings in nigeria only one outside nigeria. Also have just one sibling in US too. please see my GCM Notes. How do i treat this with all my submission and am seeing processed with the assistance of chinook3+. can someone help me. i am very sad and weak because this refusal is baseless. The mutual fund was not even stated at all as if i did not attach it.

GCM NOTES FROM IRCC - BELOW
The applicant's assets and financial situation are insufficient to support the stated purpose of travel
for the applicant (and any accompanying family member(s), if applicable).

Applicant provided their bank statements with closing balances of USD 2,005: NGN 1,122,404 and
NGN 212,286

Applicant's sister-in-law (spouse's sister as per support letter) to financially sponsor. Beyond a
written indication, there is no other documentation substantiating the relationship between PA and
sponsor. No birth certificate provided for the applicant and sponsor. Family link could not be
established. Bank statements provided. Banking transactions show some seem funds available.
Financial information is not supported with sufficient evidence for the bank statement balances on
file. Limited evidence pertaining to the source on stated funds.

Applicant will be accompanied by spouse and two minor children. Applicant's most expenses are
being supported by the sponsor. Applicant's personal ability is very limited. I am not satisfied
applicant has sufficiently explained the relationship in a way that justifies the huge undertaking of
the sponsor to fund their expenses.

Considering the costs of living for the family of five in the intended destination including but not
imited to transportation, shelter, and food, I am not satisfied that there will be sufficient unhindered
funds or other financial means to support the proposed trip and initial settlement.

Tuition payment noted. Additional funds are required for living expenses.

Based on the documentation on file, and the limited information demonstrating the availability of the
funds, I have concerns that third party funds would be sufficient and available for the proposed
studies. Therefore, I am not satisfied that applicant has sufficient and available financial resources to
pay the tuition fees for the program of studies that they intend to pursue and to pay for living
expenses while in Canada.[/b][/i]

damyzel:
Good morning Everyone,

Please friends and gurus in the house, kindly help. I submitted application for a family of 4. 4statement of accounts (GTBank (naira & Dom Acc) Zenith Acct and Stanbic Acct (Mutual fund Account containing N44.9m) which was in my maiden name. My Sister in law residing in US paid my school fees in full. I attached her work and yearly tax assessment, her birth certificate, change of name, marriage certificate and my home ties- my dad, landed properties. i attached my husband's statement of account his home ties about 4siblings in nigeria only one outside nigeria. Also have just one sibling in US too. please see my GCM Notes. How do i treat this with all my submission and am seeing processed with the assistance of chinook3+. can someone help me. i am very sad and weak because this refusal is baseless. The mutual fund was not even stated at all as if i did not attach it.

GCM NOTES FROM IRCC - BELOW
The applicant's assets and financial situation are insufficient to support the stated purpose of travel
for the applicant (and any accompanying family member(s), if applicable).

Applicant provided their bank statements with closing balances of USD 2,005: NGN 1,122,404 and
NGN 212,286

Applicant's sister-in-law (spouse's sister as per support letter) to financially sponsor. Beyond a
written indication, there is no other documentation substantiating the relationship between PA and
sponsor. No birth certificate provided for the applicant and sponsor. Family link could not be
established. Bank statements provided. Banking transactions show some seem funds available.
Financial information is not supported with sufficient evidence for the bank statement balances on
file. Limited evidence pertaining to the source on stated funds.

Applicant will be accompanied by spouse and two minor children. Applicant's most expenses are
being supported by the sponsor. Applicant's personal ability is very limited. I am not satisfied
applicant has sufficiently explained the relationship in a way that justifies the huge undertaking of
the sponsor to fund their expenses.

Considering the costs of living for the family of five in the intended destination including but not
imited to transportation, shelter, and food, I am not satisfied that there will be sufficient unhindered
funds or other financial means to support the proposed trip and initial settlement.

Tuition payment noted. Additional funds are required for living expenses.

Based on the documentation on file, and the limited information demonstrating the availability of the
funds, I have concerns that third party funds would be sufficient and available for the proposed
studies. Therefore, I am not satisfied that applicant has sufficient and available financial resources to
pay the tuition fees for the program of studies that they intend to pursue and to pay for living
expenses while in Canada.[/b][/i]

Please send a reconsideration and point out the issues missed by the VO, refer them to the MUTUAL funds that is available to you when you need it, also refer them to the docs that proves your relationship with your sister and that she has proved her sponsorship by paying the full tuition.

bullstriker:
I missed the “…. end of the program part” mentioned in PAL. If that’s the case, your PAL is valid and you can use the same PAL
Concerning your question, some schools issue deferred LoA with the PAL if you have paid the initial deposit, while others issue PAL after LoA. But it is safer to request it.
.

This is it , do u think it can still be used after September 30.

Bobomaigida:


Please send a reconsideration and point out the issues missed by the VO, refer them to the MUTUAL funds that is available to you when you need it, also refer them to the docs that proves your relationship with your sister and that she has proved her sponsorship by paying the full tuition.

Also, I think the VO made a mistake there. They are family of four but he put five, if am not mistaken, applicant, spouse and two minors.