u/sweetydreamer

( Same as title )

For full explanation—-

Applied for Italy D visa (VFS Delhi), appointment 27 July, still waiting on a decision.

Funded via a secured education loan (~31L, property collateral, father co-borrower), fully disbursed and traceable, backed by 6 months of sponsor bank history + ITRs.
Sanction letter
Disbursement letter attached

Seeing claims floating around that a secured loan looks bad to consulates — like pledging an asset signals financial stress instead of genuine ability to fund studies. Doesn’t match what I thought (loan letters are literally on the official checklist), but now I’m unsure.

Anyone actually been through this — did a secured loan ever come up as an issue in interview/refusal, or is this just forum folklore?