@vignesh.pr Thank you for your input. However, the post I saw from a guy in some other online forum did not say anything about omitting the loan. He showed the car loan in his POF, got this in his GCMS notes.
"So I just got my GCMS notes and the Eligibility shows “Review Required” due to POF, though I have more than the required amount in my account.
"When I go to the comments section to understand what is going on I find the following “Review Required Approx CAD $xxxx(less than the required amount) - CAD $xxxx(more than the required amount) as per Bank Statement. Family of 2 requires CAD $15,531 NOTE: PA has a mortgage balance of XXXXX and other loan of CAD $xxxxxx. PA states in client Info EDOC # XXXXXX the second loan is for a car, however total sum of available finances takes into account balance owing for second loan” "
Later he asked in the forum that Isn’t it true that car loans should not affect the POF? Why are they subtracting my car loan from my total POF?
Looking at this, I did not declare my car loan just to avoid any problem since this can affect my life.
I do not have the Landing Visa yet. My CRS score is 1005 points with PNP points included. But I believe that they will deduct my masters degree points because I have done my masters from nationally accredited university in the United States.
I do not want to sell my car. I want to take it with me and cross the border and I am in so much dilemma if the Port of Entry officer find out that I did not declare my loan in my Express Entry profile POF.