score:2
You have your wires crossed...
You suspect there is a contradiction between two documents you found on the net. The first document is targeted towards visitors, and the second is targeted towards people getting married and coming to the UK to live with their spouse. Different topology, different applications, different everything. It's great to read the guidance, and the one that applies to you is the Visitor Supporting Documents.
On overall, If I include my friend's bank statement- with address written on it, what more should i include to show proof of address or accommodation?
You should include your friends attestation that he will meet you at the airport and be present in the UK during your entire visit along with a certified copy of his house deed. As "best practices" you should also include a copy of the portrait page of his passport.
Also regarding the question Do you have savings, property or other income, for example, from stocks and shares?
Based upon what you wrote: that you have a single current account and no other financial reserved, you would answer 'no' to this question. There is no requirement that a person have savings or property, but they need to know in order to establish the strength of your ties to your country.
It seems to me as if some of these questions are open to more than one interpretation.
The rules are vague by design and intent. Both sides of the fence (i.e., the policy side and the advocacy side) agree that it's better that way.
Note: Questions about spouse visas are handled at Expats.
Upvote:0
You probably need a letter or note from your friend stating that he is willing to accommodate you - a bank statement is not proof that he is accommodating you.
The letter must contain his information (data that proves he is legally staying in the UK); affirmation that he is willing to accommodate you for the dates of your travel; confirmation of ownership of the property.
In addition, I would personally also state his relationship with you - for example, he's a friend or ex-colleague / classmate. This is because if you are visiting a family relative, it requires different kinds of scrutiny form the officers.
Your current account is not the savings account. What is meant here is that you have another separate account from your current account where you receive your salary/remuneration/income which can constitute as a form of income or funds that are available to you.
In your case, you would say No since you only have one account.