Good evening @Andrew, could you help me by analysing the financial aspect of my file please? I have two guarantors, my uncle and his wife.
According to the latest tax notice: Household status: Married Number of shares: 2 Household reference taxable income: €31,394 My uncle (Declarant 1) earns an average of 18,309 / 12 = €1,525.75 net per month My aunt (Declarant 2) earns an average of 13,085 / 12 = €1,090.41 net per month
They live together in an apartment and have no dependents, the rent costs around €700 and electricity around €100. Due to the distance between their home (Épinay-sur-Seine) and my university (Amiens), I cannot live with them, I will either find a rental contract or a host. But that is not the issue.
I would like you to help me assess their solvency. I plan to have them contribute €400 and €250 respectively. My maximum budget for my accommodation is €350, which is a reasonable price compared to student housing in Amiens.
For my tuition fees amounting to €2,770, my father will make a one-time transfer to my bank account (here in Congo), so at the time of the visa application, I will have both financial contributions and a minimum equivalent of €2,770 in my account.
Do you think my two guarantors are solvent and do not pose an obstacle to my visa application?
Your uncle’s wife does not even earn the minimum wage in France (the Smic). As of 1st May 2023, the Smic is 1,747.20 euros gross per month, which is 1,383.08 euros net for 35 hours per week. Therefore, she is not eligible to provide financial support.
As for your uncle, the maximum he can provide for you in terms of financial support is 1,525.75 € - 1,383.08 €, which is 142.67 € per month, no more.
I based my calculations on the tax notice. But on the payslips, the salaries are significantly higher, on average my uncle earns more than €2000 net (it varies from €2000 to €2500, and there are even months at €3000 net. I have the payslips for a year.
My question is as follows, knowing that the last tax notice on the 2021 income (Tax notice issued in July 2022) reflects declared income from 2021 which is significantly lower than those of 2022 and 2023, should I take these discrepancies into account? If my uncle earns €2000 monthly, should I only deduct the minimum wage from his salary, i.e., €2000-€1383= approximately €617 of support? Or is it necessary to refer to the amount on the tax notice? Because I checked his payslips and they are over €2000.
Furthermore, if his income is not eligible but he has enough money in his account to support me?
The most important thing is his basic salary, and especially his salary over the last three months. If he has been earning more than 2000 euros net for several months, he should have no problem providing financial support for you.
I have found accommodation, already visited by my uncle, - rent receipt paid (to reserve for the months of July and June and advance rent for the month of August as my departure date is in August, - signed and legalised accommodation certificate, EDF bill, owner’s identity card and notarial proof that he is the owner of the said property) - joint surety bond signed by my uncle who is also my guarantor
But the landlord wants the lease agreement to be signed upon my arrival in France in order to take out tenant liability insurance, carry out the inventory, etc.
So, would the lack of a lease agreement despite the receipt and all the documents received be detrimental to me? Should I absolutely include the contract?
Or should I just submit my file without mentioning the receipts as if I were being accommodated for free?
The rental contract signed is mandatory. Do you have free accommodation provided? If so, why look for a rental contract?
By the way, I find his excuse about rental insurance a bit flimsy, you can take out insurance even remotely, or you can provide him with the insurance before taking the keys. Moreover, on what basis are you paying him rent if you don’t have a contract with him?
Do you have free accommodation available? If so, why are you looking for a rental contract?
I do not have free accommodation available, the landlord provided me with a rent receipt, a legalised accommodation certificate, proof of residence, identity card, etc.
Ah yes, a very important detail that you didn’t mention. In this case, simply use the accommodation certificate without adding the rent receipts that show you’ve already paid rent.
I remind you that for the housing section, you only need to use one of the following two methods, not both at the same time:
@Andrew I got my visa in just 48 hours. I submitted it on Monday, 10th July, and yesterday I was called to collect my passport this morning. Thank you very much for your help.
