Assets are considered “liquid”, “non-liquid” and perhaps “semi liquid”.

Liquid assets are things like cash in the bank. Assets that you can immediately access with no delay. This is the most important type of asset to show for avoiding public charge grounds.

Non-liquid assets are things that you own that may be hard to “liquidate” – meaning it is hard/time consuming to make the cash available. This type of asset is not as useful to show during the immigration process, because of the time it takes to release the asset. The COs don’t want to have to look at valuations, mortgage papers, and so on to take these assets into account. There is also a guideline that vastly reduces the value of these assets that can be taken into account to 20% of the net value of the asset – so we can see that in general it is not worth showing these assets in any detail. By all means, you can mention the house you own, and even have valuations prepared, but it may not be of interest to the CO.

Semi liquid assets are things like cars, jewelry and so on. Things that could be sold more easily than a house, but not as easy to access as a liquid asset. Again, these aren’t too useful during the immigration interview. The issue with these assets is that the values depreciate and are very subjective until you actually sell them. So – you buy a piece of gold jewelry for $5000 – and the value is probably far less than that – basically the value of the gold by weight. Same with cars – the CO won’t want to step outside the embassy to check out your car in the parking lot to understand its value. So – if you are seriously planning to liquidate these assets to fund your move, you may want to consider doing some of that BEFORE the interview – so that you can show the value in savings.