UK Toursit Visit visa Refused

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You are planning to spend half a year's income on the trip, before cost of living is accounted for and presumably also before taxes. That is highly unusual and requires explanation.

If I understand you right, you took a loan from your father that will take four years to repay. That is not normal for a tourist, either. The UK does not believe you, but they did not come out and said you lied because the relation of income and travel costs looks bad enough without that addition.

If you really want to travel to the UK, it might be helpful to consult a practitioner with an established practice area in visit visas.

The controlling technical reference for your grounds (i.e., V 4.2 a+c+e) is in Appendix V of the rules.

o.m. 34673

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Source: stackoverflow.com

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