hello, i just stated on my last post that me and my husband is planning to have our papers submitted for a spouse visa, but problem is that we have problem with bank statements..lack of savings. Me and my husband just decided to cash in all his shares which will amount to 5,000 plus pounds.We will cover also the overdrafts with a loan his bank offered him. I know i will have to wait for at least 6 months till the overdraft gets cleared with the loan. Question is, will a loan affect our application?and will it be okay if we submitted our application this month? can we just show evidence that we have sold all of his shares and use it as our savings and funds???your most helpful advice will be very much appreciated