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

[davidbulsara]

or within the 6 month period?...or does that not matter when i take visa fee money out as long as i have the £111 every week showing up?

[andy222]

David just make sure you have enough money in your account for the flights and visa at the time you submit your bank statements. I believe you can pay on the day you submit your visa application.

[davidbulsara]

sorry andy.....lost u a bit there do you mean flight for my wife to come here or my flight to go there and see her again?....cos if it is flight for her to come here how is that possible to predict that she will be accepted and if not flight is none refundable......if flight for me to see her then i need to book flight well before we submit application like i intend to book flight next month.....sorry for being confused

[andy222]

Depends whether you are travelling back together or she is coming here on her own David. Just have enough money in your account to meet the needs.

[davidbulsara]

thanks andy.....what our plan is that from july 1st thats when bank statements will start till december.....would like to have only 5 months statements cos in november am planning on going to see her and would have liked application to go in while i am there (not sure whats best on full 6 months and application go in after i come back home or 5 months while i am there?...also she will be coming here on her own when been accepted...so question 1..better 5 months and be there or full 6 months and not be there?
q2.....i have heard that embassy will look on it as negative if they see large amount go out of bank account during 6 month period...is this true?...like if i pay for my flight of around £700....but if i keep to the £111 per week without that being touched and have additional £700 for flight is that ok?
and finally q3....my wife will be travelling alone hopefully in feb next year so do i book her flight after she been accepted which makes sense cos if she does not get accepted then i have lost flight money!....andy and Terpe....really appreciate the help on behalf of my wife and i

[Terpe]

David,
If you can demonstrate that you have more than £111.45 per week to spend on anything you want after you paid for your mortgage/rent/council tax/secured loans etc then you are not going to be refused on insufficient funding. So don't worry about that.
There is no stipulation to actually save £111.45 per week. You are free to spend it on whatever you want when you want. It's just important to demonstrate that it's there to support you both as 'free' funds.

You must though supply all the evidence you can to prove that to the ECO.
That's the reason to supply bank statements, pay slips, accommodation details, mortgage/rent evidence etc.

The UKBA stipulate at least 3 months bank statements. Most people provide a little more, usually up to 6 months, but that's your own choice depending on you personal circumstances. If your cash flow is marginal the more you provide the better.

There are no immigrations rules that state you cannot make specific withdrawals from your own bank account. Just be sure not to submit any bank statements that show overdrawn accounts as that could be a flag to the ECO that you are living beyond your means.


Hope that helps a little.

[davidbulsara]

thank you all for putting my mind at rest

[grahamw48]

Yes...don't book the flight until she has the visa.
Even if it costs an extra hundred quid, you won't be worried about that.

[davidbulsara]

thank you too

[chieldave]

hello again...my husband just wondering about the £111 per week disposable income at least, is this requirement per callendar month cos of some people on monthly wage instead of weekly?
thanks advance

[grahamw48]

Multiply his average monthly salary by 12 and then divide by 52 ?

[andy222]

I think this is easier correct me if I am wrong. 6 x monthly bank statements with £450 surplus and £3000 savings will see you through.