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BANK BALANCE WITH CAR LOAN

vatsalthakkar

Newbie
Dec 8, 2017
5
0
Dear colleagues,

I have bank balance of gross $ 25,000 and a car loan of $ 11,500. I am applying under CEC category. AS per rules I don't need to show proof of fund, but I don't have any new offer letter, which is requirement to get exempt from proof of fund. My original offer letter issued one year back and don't state any duration of employment. So It appears to be permanent on its face. I am confused of what to do in case of showing new offer letter or old offer letter is good to show?

Being on safer side to make my profile strong, I am planning to show bank balance but the car loan for 5 year is putting dent on my balance making my net balance on hand only $ 13500.

What should I do?
1. Show that I have offer letter and submit the original offer letter?
2. Show car loan in bank certificate or not to show? Or show with explanation of long term loan?