New "income support rates"????just need some clarifications

[chieldave]

chieldave,

It's the overall financial position that's looked at.
Savings can help but it's not the total amount in your account(s) at the time that's relevant, it's the fact that you must have an on-going regular cash-flow and appear to be in good financial shape.

You need to show that there is a minimum of £111.45 available each week to support you both after deducting total housing costs (rent/mortgage & council tax etc) plus any secured loans.
Any money that your sponsor sends to you in the Philippines is discretionary spending.
All other expenses (food,clothing,electricity/gas/water etc) are also considered discretionary spending.

You will need to submit 3 months bank statements as a bare minimum (6 months is better) to support your financial standing.

In order to support costs for expenses such as the English Test, Visa Charges and flight tickets etc you will need to have access to funding. Whether that funding is from savings or credit cards or from a third party is entirely your own decision.

Remember that the costs of Visa Charges and also for your UK flight tickets will not show on your latest bank statement at the time of visa application.

This information is based only on current UKBA requirements and immigration law.
There is no way of knowing just how these will change for the future.

I hope this helps.

Sir Terpe,....I'm very sorry again if my brain is so slow of functioning at this moment,,,makes me more confused..
so do you mean our plan is not good idea as it obviously it will appear on my hubby's savings account the withdrawal money of english test/visa fees/flight ticket during those months in which we gonna show at embassy those bank statements as well?(pls correct me again)As we're nowhere we can borrow money for it or loan,hubby want it from his own....

if that so,how about just this plan,how about we will just gonna show 4 months bank stement from july-october then savings account from that july month start as well so it will be obvious that money left on bank statement monthly(ie. 111.45x4 or more) will transfer it on savings account so they will know where money left goes from those month(will not withdraw from it probably 2,000)...then money we gonna spend for english test/visa fees/flight ticket is just the money he will gain from this month april till june but we not going to include these bank statement of course...IF NOT STILL,

does it mean that we need to gain first the money for expenses english test/visa fees/flight ticket,then gain money to have some on savings account(considering that we not going to ask another sponsor or somebody that could let us borrow money for it or loan for it) say maybe april till october then just after that we can start focusing the bank statement that we gonna pass at embassy which has good cash flow in out say nov-jan2013(at least 3 months) then just after that we can apply the visa,since you said"Savings can help but it's not the total amount in your account(s) at the time that's relevant",..... what u think?...really sorry if me still not get the point sir..huhu

pls give me advice or idea what's best for it....really confused :-(

[Terpe]

Sir Terpe,....I'm very sorry again if my brain is so slow of functioning at this moment,,,makes me more confused..
so do you mean our plan is not good idea as it obviously it will appear on my hubby's savings account the withdrawal money of english test/visa fees/flight ticket during those months in which we gonna show at embassy those bank statements as well?(pls correct me again)As we're nowhere we can borrow money for it or loan,hubby want it from his own....

if that so,how about just this plan,how about we will just gonna show 4 months bank stement from july-october then savings account from that july month start as well so it will be obvious that money left on bank statement monthly(ie. 111.45x4 or more) will transfer it on savings account so they will know where money left goes from those month(will not withdraw from it probably 2,000)...then money we gonna spend for english test/visa fees/flight ticket is just the money he will gain from this month april till june but we not going to include these bank statement of course...IF NOT STILL,

does it mean that we need to gain first the money for expenses english test/visa fees/flight ticket,then gain money to have some on savings account(considering that we not going to ask another sponsor or somebody that could let us borrow money for it or loan for it) say maybe april till october then just after that we can start focusing the bank statement that we gonna pass at embassy which has good cash flow in out say nov-jan2013(at least 3 months) then just after that we can apply the visa,since you said"Savings can help but it's not the total amount in your account(s) at the time that's relevant",..... what u think?...really sorry if me still not get the point sir..huhu

pls give me advice or idea what's best for it....really confused :-(

Your original plan is OK
Personally I would suggest 6 months bank statements. Don't submit any overdrawn.

[chieldave]

if that so,how about just this plan,how about we will just gonna show 4 months bank stement from july-october then savings account from that july month start as well so it will be obvious that money left on bank statement monthly(ie. 111.45x4 or more) will transfer it on savings account so they will know where money left goes from those month(will not withdraw from it probably 2,000)...then money we gonna spend for english test/visa fees/flight ticket is just the money he will gain from this month april till june but we not going to include these bank statement of course..

that's really our original plan sir as we have no choice to get money from any close family/relatives/another sponsor or anyone to let us borrow of gift for us that will serve as our savings,so we just thought that what we gain each month of that 4 months bank statement that we gonna show to them will put it or transfer it to savings account(2,000maybe)...
he never gets overdrawn just either the reason is due to pay for non discretionary or discretionary expenditure,just sometimes 0 balance before...yes me even feel more comfy to submit 6 months bank statement but it means it will not till December,but since he planning to come here on our anniversary,we just thought that might good time to submit application even bit we take the risk of just 4 months bank statement....really praying that it will have good result after all,just so hard being away with each other

Personally sir,if I would ask you how much the percentage of positive results about the plan(just about financial thingy),what would you rate?sorry,I know it's bit silly question ,but just to gain us bit confident about it,but I would thank you as well if u say frankly less percentage...(sigh)

[Terpe]

.....Personally sir,if I would ask you how much the percentage of positive results about the plan(just about financial thingy),what would you rate?sorry,I know it's bit silly question ,but just to gain us bit confident about it,but I would thank you as well if u say frankly less percentage...(sigh)

I know you'll understand when I tell you it's impossible for anyone to predict.
The ECO will make a decision based upon the whole application, not just on that part involving the financial test.
If you can fully comply with all requirements to the satisfaction of the immigration rules and the ECO then the visa is yours.

[chieldave]

I know you'll understand when I tell you it's impossible for anyone to predict.
The ECO will make a decision based upon the whole application, not just on that part involving the financial test.
If you can fully comply with all requirements to the satisfaction of the immigration rules and the ECO then the visa is yours.

yes sir I understand that,was thought u gonna say that.....anyway sir Thank you so much for all the replies....I still have more concerns but gonna put it in another right thread