IP2 means nothing. It’s just that some officers update the status when they initiate it and some don’t. And my guess is it gets changed when officers set criminality as pass based on PCC submitted and security hasn’t been started yet.
Now this is where GCMS notes May have helped to know exactly what triggered the ADR. I’m not entirely sure how they will treat Mortgage. I don’t want to alarm you but a member had shared sometime back that he had a car loan which was deducted from POF and his resulting POF was considered below required amount.
However mortgages are generally much longer terms loans and it would foolish on visa officers part to deduct it entirely. If he is diligent he will probably see if your current earning is way above the mortgage amount and take a call. I’m speculating here and I may be completely off target here. Issue is not every analyst is the same. I get a lot of PMs and I can tell you I have seen many analysts tagging a review required on most straightforward documentation. It is possible an analysts put a review required on pof and the officer is just confirming it. If it gives you peace of mind order gcms notes today. In my opinion getting ADR is positive sign. There are ample cases out there where ADR was sent in 6/7 month. So getting it early is good.
@sk1234@cansha
While I agree that all analysts operate in different ways but in my experience all loan obligations are generally knocked off cause no analyst would have idea of the underlying asset value in a different country. Moreover, if a person is moving to Canada then his/her source of income stops and the payment of the mortgage loan would go from the saving which is why any prudent analyst may not want to consider that.
No need to panic but it is best that you have a backup plan in place in case something abrupt happens. One such thing can be someone signing a gift deed and transferring money in your account.
That's my view (could be wrong). But in most cases CIO recommends to pass criminality based on PCCs provided. They may still do few checks I don't know but I think security takes longer as its done by an external agency.
No my friend. I said it is maximum 8-10 weeks for normal security checks. It can be completed within few hours from start. I am expecting mine to be completed within this week.
@sk1234@cansha
While I agree that all analysts operate in different ways but in my experience all loan obligations are generally knocked off cause no analyst would have idea of the underlying asset value in a different country. Moreover, if a person is moving to Canada then his/her source of income stops and the payment of the mortgage loan would go from the saving which is why any prudent analyst may not want to consider that.
No need to panic but it is best that you have a backup plan in place in case something abrupt happens. One such thing can be someone signing a gift deed and transferring money in your account.
The mortgage wouldn't matter. Like you, my balance exceeds what is required and I have a mortgage. From my notes I can see that there were no concerns about my proof of funds.
@sk1234@cansha
While I agree that all analysts operate in different ways but in my experience all loan obligations are generally knocked off cause no analyst would have idea of the underlying asset value in a different country. Moreover, if a person is moving to Canada then his/her source of income stops and the payment of the mortgage loan would go from the saving which is why any prudent analyst may not want to consider that.
No need to panic but it is best that you have a backup plan in place in case something abrupt happens. One such thing can be someone signing a gift deed and transferring money in your account.
In my case I have excess of the mortgage amount and credit card. Excess by 5 folds to be precise. I have ordered GCMS but it was ordered before my BCG was started and I was requested for an ADR. Confused. !!
In my case I have excess of the mortgage amount and credit card. Excess by 5 folds to be precise. I have ordered GCMS but it was ordered before my BCG was started and I was requested for an ADR. Confused. !!
Keep calm .. as I said whatever we will say is a mere speculation ... as someone mentioned before that his POF didn't have any issues although he had mortgage .. So let's wait for GCMS notes and see what did they see ... till then hang tight and hope for PPR before your GCMS notes.
Mine is same as yours.... IP2, Ghost both. Tried several times but failed to connect. Did you tried too? please let us know if u were able to talk to cic agents.
In my case I have excess of the mortgage amount and credit card. Excess by 5 folds to be precise. I have ordered GCMS but it was ordered before my BCG was started and I was requested for an ADR. Confused. !!
Dont be confused. I am sure it's just a minor matter that they want to check. If I remember correctly you ordered GCMS on 13th Oct, so in case you don't mind spending a bit then I suggest to order another GCMS notes to understand the actual situation.
Dont be confused. I am sure it's just a minor matter that they want to check. If I remember correctly you ordered GCMS on 13th Oct, so in case you don't mind spending a bit then I suggest to order another GCMS notes to understand the actual situation.
