Category Archives: Immigration News

GTI Australian Immigration Program FAQ

In order to attract a large number of talents in the science and technology sector, the Australian government launched the “Global Talent Independent Program”, or GTI for short, last year. The GTI quota for 2020/21 is 300% higher than that of last year and increased to 15,000, so that more outstanding talents are more interested in Australia. If you apply for immigration on paper, successful applicants will enjoy a one-step permanent resident visa (PR). One of the most popular immigration methods for Hong Kong people, this time, we will answer common questions about GTI together!

Question: Does it have to be professionals?

Answer: In fact, the definition of professional talents is broad, but the Australian authorities have certain requirements for the applicant’s work and business, and they must be in the following technical industries:

Financial Services and FinTech

DigiTech

Circular Economy

Energy

Health Industries

Infrastructure and Tourism

Education

Defense, Advanced Manufacturing and Space (Defence, Advanced Manufacturing and Space)

Resources (Resources)

Agri-food and AgTech (Agri-food and AgTech)

If you have any questions about whether you can successfully match up as GTI applicants in your work area, you can make detailed enquiries with our professional immigration consultant.

Question: Can the annual salary requirement include bonuses?

Answer: Not theoretically. In addition to the annual salary required to reach aud 158,000, the annual salary needs to be a pure monthly salary x 12, without bonuses. If the annual salary requirement is not met, recent PhD graduates can also be considered (related subjects).

Question: Is the recommendation a professor at my university?

Answer: The recommender must be a celebrity in the relevant industry of Australia, or a relevant industry organization of Australia. So if your university professor is an Australian, you can have the opportunity to become your GTI recommender~!

Question: What will the GTI program be?

Answer: After being reviewed by the professional immigration consultant of Huanao, the contract can be concluded and the client can then be nominated by a reputable institution or person in Australia, and then submit a letter of intent to the relevant authorities. Soon after the applicant is formally invited to apply for PR and submit the required documents, Permanent residency will be granted smoothly!

Question: How long does it take for GTI to be approved?

Answer: A customer can get PR approval within 2 months.

Question: Can I bring my accompanying family?

Answer: The applicant’s spouse and unmarried children under the age of 23 can be approved for permanent residence together (approximately HKD 13,000 for applicants over 18; HKD 6,500 for applicants under 18).

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    Aerial view of Elizabeth Quay, Perth

    Immigration Becomes the New Start to Hong Kong People

    Hong Kong is experiencing the third “Immigration Wave” since last year. There are several reasons why Hong Kong people decided to immigrate to other countries. In the past two years or so, Hong Kong has faced successive social conflicts brought about by the opposition to amending the Fugitive Offenders Ordinance, as well as the impact of the new crown pneumonia epidemic, social and economic instability, and many Hong Kong people have chosen to immigrate. 

    The Census and Statistics Department announced on 12th August that the provisional population of Hong Kong in the middle of this year was 7,394,700, a decrease of 87,100 year-on-year, 1.2% drop; 89,200 Hong Kong residents moved out during the year.

    Feeling hesitant about whether it is suitable to immigrate to other countries or not? Please keep reading this article, you will know immigration is easier than you think.

     

    The Immigration Wave Continues in 50 Years 

    In a report, last September, the Census and Statistics Department’s projections showed Hong Kong’s population was expected to drop to about 7.35 million within 50 years. As far as the current situation is concerned, the number of immigrants in Hong Kong will rise again in the future.

    Once the wave of immigration continues, it will cause the loss of talents and capital in Hong Kong, and may also exacerbate the problem of population ageing and affect the future development of Hong Kong. The authorities must pay attention to the situation and strive to solve deep-rooted local problems in order to retain talents.

     

    Canada has a Well Organized Education System

    More than 90,000 residents have left Hong Kong in the year after the national security law was launched in 2019. There were many young people among them. Some citizens might think that there were problems with education in Hong Kong and immigrated.

    Studying abroad is always a great way to upgrade your academic level. Hong Kong people always hesitate about the high cost of studying abroad. However, the cost of studying in Canada is lower than you expect. Many colleges and universities are internationally recognized institutions in the world. You can easily find a job after graduation. Staying in Canada is easier than you think. After graduation in Canada, you can apply for a provisional visa until 2026. When you finally become a permanent resident of Canada, you can enjoy most of the benefits the same as Canadian citizens, such as free medical fees.

     

    Canada is Your Final Destination

    In addition, there are many deep-seated problems in Hong Kong, including difficulties in upward mobility and high property prices. Living and working in peace and contentment will naturally find another way out. Canada is a place that gives you the best living environment with love in peace. 

    Can you imagine how much the property cost in Canada? The cost of Hong Kong property is extremely high. You cannot buy an 800 ft. 2 bed-room flat with CAD 900,000 (HKD 5.8M) in Hong Kong, however, Canada does. Buying an apartment in Toronto or Vancouver is not as hard as you think. You can succeed in your dream house in Canada at an affordable price. Canadians are kind and friendly with different nationalities. Accepting immigrants from all around the world. You will adapt to the lifestyle and culture in Canada very soon.

     

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    Global Immigrate will set up a booth (Booth No.: G1) at the “International Immigration and Property Expo” at the Wanchai Convention and Exhibition on August 28 – 29, 2021. Our professional immigration consultants will explain the Canadian visa application requirements and process face to face with everyone. Look forward to it!

    Guide to Overseas Property- Britain

    Before purchasing a property in the U.K., many customers choose the format of cash buy as their payment method. However, some customers choose to apply for a mortgage before buying the property. In order to ease our buyers’ concern,Global Immigrate Overseas Property team is here to walk you through the progress.
    Let us talk about the requirements for applying for a mortgage. The applicants’ background, such as citizenship, credit history, and so on are highly crucial in applying for a mortgage, as this will directly affect the application. Since the mortgage period is usually up to 25-30 years, the client must be at least 25 years old and the oldest contract period can up to a 65 years old applicant (depending on bank requirements). The payment period depends on the mortgage application; the asset requirements for applying for a UK mortgage must be at least £ 250,000. As the United Kingdom is very strict in preventing money laundering, applicants are required to provide solid explanations for their assets, and the procedures are strict. Each bank or mortgage institution has its own set of money laundering prevention systems, and applicants must comply with regulations and should provide the required documents for application.
    Second, the mortgage rate in the United Kingdom is also a huge concern for our customers. If the mortgage requirements are met, most likely banks can grant 30-40% of the applicant’s annual salary as loan, the mortgage ratio can reach 75%, and the interest rate mostly starts from 2%.
    On the other hand, there are two common mortgage schemes in the U.K. Firstly, Repayment Mortgage, which is the most commonly used one. It is a conventional mortgage scheme which requires the applicant to repay both the loan and interest. The second type is Endowment Mortgage, which sounds attractive somehow, but in order to protect the interest of the financial institutes and to prevent any potential loss, the financial institutes require the applicant to buy in a life insurance policy together with the application.. Therefore, applicants must repay the policy premium as well as the interest. Of course, all mortgage details are different among different institutes.
    Mortgage overseas applicant usually have to apply through a mortgage broker or a bank. However, mortgage service can only be provided by banks in Hong Kong that have U.K. branches, and will work as a referral case to the mortgage department in the U.K.. Customers are reminded to spare 3-6 months for mortgage application before the purchase, and brokers details can refer back to our professional overseas property team for more!

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      Season II, your favourite to live in Toronto.

       

      Seasons, a residential building is developed by Concord Pacific, located in North York, a nice community in Toronto, at the junction of Shappard and Leslie. Hong Kong people should be familiar with North York, as north york is a favorite place for locals and overseas people. The location is close to the outskirts of the city, and there are many green spaces. At the same time, it only takes about 20 minutes to drive to the CBD from downtown Toronto, without losing the taste of the city.


      The project is one of the residential buildings in the Concord Park Place community. Concord Park Pace covers an area of ​​more than 40 acres and has well-rounded communal facilities. Department stores and supermarkets are all in the community, which is a plus to all residences. This project will be divided into one and the second phase development, and will provide nearly 600 units, the first phase will be 41 storeys and the second phase will be 38 storeys. It is divided into villas and apartment units for sale, with one to three-bedroom, with a ceiling height of 11 feet, ranging from more than 500 feet to more than 1,000 feet. Two-bedroom units start at more than 800,000 Canadian dollars (about 5 million Hong Kong dollars). What’s more, you are not only buying a simple unit, but you have also purchased a 15-minute living circle, furniture and department stores, everything is at your fingertips, 


      Seasons is expected to be completed at the end of 2021. It is one of the most sought-after new properties in Canada that provide high-end design property for the local area. The design of the unit is minimalistic, including the famous brand Miele home appliances, and the scenery overlooks Bayview and East Don Parkland. Located at a two-minute walk from Bessarion subway station, it is super convenient to get in and out of town. Nearby is the Bayview Village Shopping Centre, providing necessities and entertainment. Taking transition at Sheppard Yonge Station, it directly takes you to Union Station in the City Centre Financial District, attracting a group of financial professionals as potential tenants, it can be seen that the unit is also a good choice for investment. Canadian property investment is growing, the average rent in Canada ranges from 1,700 Canadian dollars. The rental return is about 4-5%. Not to mention the low rate of Canadian dollar, and the return is stable and impressive. Since the project caters to the tastes of Hong Kong people, and with the conveniency of the community,I believe that many Hong Kong immigrant families will fall for it.

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        Manchester Is the Most Suitable British City for Hong Kong Residents

        The latest immigration policy in the UK is that Hong Kong people holding BNO can directly go to the UK to settle. The Home Office of the United Kingdom further confirmed that the five-year residence period required to apply for permanent citizenship will not require an income review, so now is the ideal time to consider moving to the United Kingdom. 

        The living environment of Manchester in the United Kingdom, whether it is a living environment, education, work development, or local slow life, is the ideal life Hong Kong people have always dreamed of.

         

        Property Price is Half Cheaper than Hong Kong

        Whether you are renting a house or buying a flat, the cost of housing in Hong Kong is extremely high due to an extremely high population density. A large part of your income is spent on renting or mortgages.

        In particular, Manchester city centre has some amazing luxury new residential developments, close to all the facilities and transportation options you need. More importantly, it is expected that in the next five years, Manchester property prices will increase significantly. Now is the ideal time to buy a property in Manchester and make huge profits in the near future.

         

        High Level of Education

        Manchester is home to the best universities in the UK, many of which are already popular study destinations for Hong Kong students.

        In the 2021 QS World University Rankings, the University of Manchester ranks 27th in the world, on par with the Hong Kong University of Science and Technology. Only a few places lower than the University of Hong Kong. This means that students who move to Manchester can enjoy high-quality education with confidence, and even better. Hone your British accent and improve your English.

        Manchester’s primary and secondary education is also very good. There are a series of public and private schools to choose from. These schools have performed very well, allowing your children to get a superb education in the future. Manchester High School for Girls, St. Bede’s College and New Islington Free School are all outstanding examples of high-quality educational institutions in Manchester.

         

        Career Development

        In addition to low-cost housing, Manchester also provides world-class job opportunities. As the centre of the Northern UK’s revitalization plan and the capital of the north of the UK, this city attracts companies from all over the world.

        A high-skilled workforce and favourable business conditions have made Amazon, British Telecom, Google, Microsoft, KPMG, Deloitte, PricewaterhouseCoopers and other large companies choose Manchester as their main office location. Bank of China and HSBC also have large operations in Manchester.

         

        Leisure Peak Area

        What if you want to escape the city for a leisurely weekend? Manchester is only minutes away from the Peak District, one of the most popular and attractive national parks in the UK. Walking in the countryside, cycling to enjoy the beautiful scenery, hiking mountains and trails are all just short journeys by car or train. It is perfect for spending long weekend camping or day trips with your family, just like the journey between downtown Hong Kong and suburbs such as Sai Kung or Lantau.

        If you want to go further, the Lake District, Yorkshire Dales, Forest of Bowland and Nidderdale are all within driving distance.

         

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        We will constantly update information about life and work in the UK to help you move to the UK more easily. If you want to continue to pay attention to the latest immigration information of our different countries, remember to Follow our Facebook and Instagram pages of Global Immigrate!

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        [SUV] Settling in Hong Kong and Get PR

        Canadian Entrepreneurship Immigration (SUV) is one of Huanao’s gold medal projects, and a professional team escorts the entire process to ensure a 100% success rate. For many years, the Canadian Entrepreneurship Immigration Program (SUV for short) has been the main immigration program of Huanao Immigration. More than 80% of existing customers have successfully immigrated to Canada through SUVs. The requirements for SUVs are different from traditional immigration, and the threshold is relatively close to the people.

         

        One step to get PR

        As a large traditional immigration country, the federal government has also launched a plan of 1.23 million new immigrants in the next three years, so there are actually more than 100 different immigration methods. The federal SUV (Start-up Visa) innovative investment immigration program is one of the few projects in Canada that can get the Maple Leaf Card in one step. After completing the business plan, the applicant can submit it to a professional review agency (incubator) established by the government for review. As long as the business plan passes the review, the incubator will issue a support letter for the applicant, and the applicant can submit a support letter from the incubator Permanent residence application. There is no need to apply for a work permit to start a business and then transfer to permanent residence.

         

        One-stop service, from zero to help you start a new business

        The professional team of Huanao Immigration assists guests in formulating innovative business plans, which are then submitted to a Canadian-approved business incubator and for immigration interviews. After obtaining a letter of support from the incubator, they can directly apply for PR. The biggest advantage of the plan is that the applicant can stay in Hong Kong to continue working throughout the entire process, without having to travel to Canada in person, and the applicant does not need to have any business or management experience requirements in Hong Kong. After the launch of the SUV, it successfully attracted a group of local Hong Kong people who wanted to immigrate to Canada and carry out entrepreneurial activities. If the applicant comes from some unpopular immigration industry, such as education or government agencies, it may be more suitable to join our high-quality SUV project as a co-founder.

         

        The first immigration team in Hong Kong with a background in innovation and technology
        Huanao Immigration has the only own programming team in Hong Kong, which takes care of all programming and will not be “outsourced”. From consultation and evaluation to finally helping clients obtain PR (permanent residence), senior immigration consultants and professional teams provide clients with one-stop immigrant visa services, school and job matching, landing and settlement services (including real estate and medical insurance). We can also assist applicants in recruiting other partners, recruiting talents and funds for the founders through our platform, and forming Canadian companies together and succeeding in Canada through the SUV project. We seek to help our clients meet the Canadian visa standards at the most affordable price in the shortest possible time, realize their dream of immigration, and start a new life in Canada with peace of mind.

         

        Latest News

        Canadian Federal Entrepreneur Visa Immigration Project, Start-Up Visa Program ( SUV)

        Four advantages of SUV:

        • 960,000 Hong Kong dollars family immigration, suitable for you with a large family
        • No need to land, sit in Hong Kong and wait for PR
        • Relatively low asset requirements
        • Relatively low time cost, PR can be obtained in about 18 months

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        Book an SUV one-on-one free consultation now

        bit.ly/GI_freeconsultation

        Enquiries: 2566 5066/6888 0820 (WhatsApp: bit.ly/GI_ContactUs)

        Program details: bit.ly/GI_SUV

        A Paradise for Young Entrepreneurs in Canada

        Those planning to start their own business need to decide which city to stay in, whether to go to a city that already has a network in the entrepreneurial field, or do they go to a place with less competition? What is exciting is that Toronto has surpassed “Silicon Valley” in the ranking of the world’s cutting-edge technology cities!

        Toronto Ranks Eighth Among the Best Tech Startup Cities in the World

        According to the latest report from Movinga, a relocation specialist company, Toronto is one of the top cities for entrepreneurs seeking technology entrepreneurship. 

        Ranked eighth among major cities in the world. Movinga surveyed 75 cities around the world and conducted a series of studies to find the cities with the best entrepreneurial opportunities. They examined the entrepreneurial ecosystem in each city, including the cost of starting a business, opportunities for female entrepreneurs, and establishing new businesses. 

        With the leading position of artificial intelligence technology and the emergence of blockchain technology, digital entrepreneurs are clearly more adept at using future-oriented technologies than ever before.

         

        Toronto Ranks Third in the World for the Most Ideal High-tech Entrepreneurship

        Some organizations have compiled a ranking of the most ideal high-tech start-up locations by analyzing the living index, entrepreneurial cost and urban development of 20 high-tech cities around the world. Toronto ranks third in the world, which makes people proud!

        At the same time, Toronto also has the advantages of educational resources and immigration. The world’s leading universities and colleges will cultivate more talents adapting to future technology. The convenience of immigration policies will also attract elites from all over the world to come to Toronto to realize their dreams. In a city with cutting-edge technology, open up more innovative and creative businesses.

        Toronto has already led the world in innovative technology and promoted innovative technology. As the world’s leading technology city, Toronto’s lifestyle will also become younger, more fashionable, and full of technological sense. It is believed that more young people will be willing to create the future and make history in Toronto.

         

        Latest News

        Canadian Federal Entrepreneur Visa Immigration Project, the full English name is Start-Up Visa Program (SUV for short)

        Four program highlights of SUV:

        1. HKD 960,000 for you and your whole family to immigrate to Canada
        2. No need to land, sit in Hong Kong and wait for PR
        3. Relatively low asset requirements
        4. Relatively low time cost, PR can be obtained in about 18 months

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        Get your SUV one-on-one free consultation now

        bit.ly/GI_freeconsultation

        Enquiries: 2566 5066/6888 4742 (WhatsApp: bit.ly/GI_hello)

        Program details: bit.ly/GI_SUV

        Canada’s Best Cities for Immigrants to Start a Business

        In recent years, Canada has become the preferred immigration country for Hong Kong people. It is not only because of Canada’s high welfare policy, beautiful environment and stable system but also because diversity and tolerance are also considered by many people who are preparing to immigrate. Apart from the familiar Vancouver in Canada, which cities are more suitable for immigrants?

         

        Toronto – Canada’s Entrepreneurial Capital

        Toronto, the capital of Ontario, is Canada’s largest city. It is the birthplace of Canadian culture and economy. It is also a transportation hub and the heart of the country’s manufacturing industry. On the other side of Toronto is the world-famous Niagara Falls in New York State, only 100 kilometres away from Toronto.

        The headquarters of well-known Canadian banks, such as Royal Bank, Empire Bank, Bank of Montreal, etc., are all gathered here. 90% of the Canadian branches of foreign banks are located in Toronto. In terms of transaction volume, the Toronto Stock Exchange is the third largest transaction in North America. 

        In addition, the famous nearby Niagara Falls attracts about 30 million tourists every year. Toronto has many immigrants, 48% of the residents are immigrants from all over the world. It is also a well-known Chinese settlement in North America, with more than 400,000 Chinese.

        Toronto is a young and energetic city full of opportunities and challenges. If you are ready to make a big business in Canada, Toronto is a good city for immigrants.

         

        Ottawa – The Capital of Canada

        Ottawa is located at the border of southeastern Ontario and Quebec. It is the capital of Canada and the fourth largest city in Canada. The current population is more than 1 million, of which 40,000 are Chinese.

        Ottawa is the capital and political and cultural centre of Canada, the second-largest city in Ontario and the fourth largest city in Canada. Ottawa is located on the south bank of the Ottawa River in southeastern Ontario. Together with Gatineau, Quebec, on the north bank of the Ottawa River, it forms the capital region of Canada. 

        According to Mercer Consulting’s ranking, Ottawa is the No. 1 city in North America for the quality of life. It is also the second cleanest city in Canada and the third cleanest city in the world. The famous Canadian financial magazine “MoneySense” announced the latest ranking of the country’s best cities to live in. The capital Ottawa has been ranked first among the country’s 190 cities for the third consecutive year. Its unique cultural personality, beautiful city scenery, and leisurely life make Ottawa not only loved by the Canadian people but also become one of the cities that the people of the world yearn for tourism.

         

        Latest News

        Canadian Federal Entrepreneur Visa Immigration Project, the full English name is Start-Up Visa Program (SUV for short)

        Program Highlights of SUV:

        1. HKD 960,000 for you and your whole family to immigrate to Canada
        2. No need to land, sit in Hong Kong and wait for PR
        3. Relatively low asset requirements
        4. Relatively low time cost, PR can be obtained in about 18 months

        🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻

        Get your SUV one-on-one free consultation now

        bit.ly/GI_freeconsultation

        Enquiries: 2566 5066/6888 4742 (WhatsApp: bit.ly/GI_hello)

        Program details: bit.ly/GI_SUV

        Citizen Benefits After Immigrating to Canada? (4)

        Are there any citizen benefits after immigrating to Canada? Canada’s national welfare policies for citizens can be said to be well-known, and the “Immigration Paradise” by the majority of immigrants. What are the specific benefits?

         

        1. Guaranteed Income Supplement (GIS)

        If you have little or no income, you can apply for a monthly income security allowance. The income here needs to be calculated including pensions, living expenses, wages, unemployment insurance benefits, and workers’ compensation or benefits from other countries. The less your income, the more income security allowance you will receive.

        If you are married, your spouse’s income will be taken into account when calculating the number of GIS you deserve. GIS must reapply every year.

         

        1. Spouse’s Allowance (SPA)

        If you meet the following conditions, you can receive a spouse allowance, which is used as an additional allowance for couples who only depend on an old age protection pension for their livelihood:

        1. Between the age of 60 and 65, and a spouse is a person receiving advanced age protection.
        2. The total income does not exceed the prescribed amount.
        3. Have lived in Canada for at least 10 years after the age of 18. SPA must reapply every year. This allowance can continue to be paid until you remarry or reach the age of 65, even if your spouse dies.

         

        1. Tax Return

        Canadian tax residents must file tax returns on time each year. For low income, this is another income. The government will refund GST / HST. Not only citizens and permanent residents, but also work permit holders and international students in Canada as long as they meet the requirements of tax resident can get a tax refund.

         

        1. Other benefits

        There are many other benefits in Canada, some of which are local benefits. For example, Ontario’s “Healthy Smiles Ontario” provides free dental treatment to low-income families. Everyone knows how expensive it is to see a tooth in Canada!

         

        After the free education for all, the government will provide tuition fee reductions and interest-free student loans according to the different family situations of students. And people who work in Canada know how exaggerated tax payment is. Many people complain that the first half of the year’s income can’t be paid into their pockets! This is because Canada levies taxes on high-income earners subsidizes low-income earners, and tries to reduce the gap between the rich and the poor. So everyone can be treated for the sick and depend on the elderly.

         

        Source: Canadian Times, Daily Headlines

         

        Further reading:

        Are there any citizen benefits after immigrating to Canada? (1)

        Are there any citizen benefits after immigrating to Canada? (2)

        Are there any citizen benefits after immigrating to Canada? (3)

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year

        Stream A: In-Canada graduates.

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master’s or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

         

        Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

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        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        Citizen Benefits After Immigrating to Canada? (3)

        Are there any citizen benefits after immigrating to Canada? Canada’s national welfare policies for citizens can be said to be well-known, and the “Immigration Paradise” by the majority of immigrants. What are the specific benefits?

         

        1. Paid Vacation

        According to the Canadian government, full-time employees are entitled to two weeks (10 working days) paid holidays each year after working for one year. After five years of continuous work, they are entitled to three weeks of paid holidays each year, and the holidays cannot be replaced by salary.

        Canadians can be said to be very concerned about family life and love to travel. Not only on public holidays such as Christmas, Thanksgiving, and Family Day, you can see a family going out on vacation in the airport.

         

        1. Child Tax Benefit

        When it comes to Canadian welfare, how can one not mention the famous child tax benefit? In Canada, every child under the age of 18 can receive a monthly child welfare benefit subsidy.

        The amount of child tax benefit should be calculated based on the family income of the previous year and the number of children in the family. For example, families with an annual net income of less than CAD 30,000 will receive the full amount of child tax benefit. Children under the age of 6 will receive CAD 6,400 per person per year, and children aged 6 to 17 will receive CAD 5,400 per person per year. For families with a family net income of more than CAD 200,000 per year, the child tax benefit is zero. For specific calculation methods, please refer to relevant Canadian government websites.

        In short, it is to subsidize the parents of low-income families to cultivate future social pillars for Canada, and also hope to provide children with better living and education conditions.

        1. Child Care Subsidy

        In Canada, public school kindergartens started as free education. Kindergarten starts at different ages in different provinces. In Ontario, you can go to a junior kindergarten as long as you are 4 years old at the end of the year. However, the cost of daycare before entering the kindergarten class is self-financed, and the cost is more expensive.

        Since many low-income families do not have the financial means to allow their children to receive early education, the government has allocated special funds to establish childcare subsidies. Depending on the applicant’s specific circumstances, the government sometimes subsidizes half of the subsidy, sometimes full subsidy, and the subsidy is paid directly to the childcare institution where the child is attending.

        You need to wait in line to apply for childcare subsidies, so you should submit your application as early as possible. The government will give priority to families where both spouses are working or studying and have very little income.

         

        1. Government Housing

        In order to guarantee homeownership, the Canadian government allocates funds to build a large number of government houses each year. The government houses are managed by specialized companies entrusted by the government and rented out at very low prices. These houses are not dilapidated urban villages, nor simple low-rent houses, but beautifully built buildings, spacious and bright two-bedroom or three-bedroom houses.

        These government houses are provided to cater for low-income groups. They are charged in a special way. They are charged as a percentage of income. For example, they are generally charged at 25%-30% of monthly income. Those high-income people would rather use the rent to buy a house than take advantage of it. Most of the beneficiaries are the real poor.

        For example, if your monthly income is only CAD 1,000, you only need to spend about CAD 250 to pay the rent, and you may live in an apartment with two bedrooms and one living room or three bedrooms and one living room.

         

        to be continued…

         

        Source: Canadian Times, Daily Headlines

        Further reading:

        Are there any citizen benefits after immigrating to Canada? (1)

        Are there any citizen benefits after immigrating to Canada? (2)

        Are there any citizen benefits after immigrating to Canada? (3)

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year

        Stream A: In-Canada graduates.

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master’s or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

        Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

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        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

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        Phone: 2566 5066

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        Citizen Benefits After Immigrating to Canada? (2)

        Are there any citizen benefits after immigrating to Canada? Canada’s national welfare policies for citizens can be said to be well-known, and the “Immigration Paradise” by the majority of immigrants. What are the specific benefits?

         

        1. EI Maternity and Parental Benefits

        Maternity benefits in Canada are also part of Employment Insurance (EI), including EI Maternity Benefits and EI Parental Benefits. Maternity benefits can receive up to 15 weeks of salary, and Parental Benefits can receive up to 35 weeks of salary.

        According to the actual situation of childbirth, the total amount of subsidy received remains unchanged, but prenatal leave can be taken up to three months. The leave period after maternity leave can be extended to a maximum of one and a half years. It takes almost two years for a child to have a child, and both parents can apply for parental leave. (The total time remains the same, but both can apply)

        At the same time, employees must not be fired because of pregnancy. Employees on maternity leave continue to maintain their pensions or medical plans and can return to their original jobs after the maternity leave ends.

         

        1. EI Family Supplement

        If it is a low-income family recognized by the government, EI family subsidies can be obtained. If the government determines that your annual family net income is below CAD $26,000, you have children, and you or your spouse enjoy Canadian child tax benefits, then the government will determine that your family is a low-income family, then you can get an EI family subsidy.

        Family subsidies can allow you to get as much as 80% of your income. If you and your spouse apply for EI allowance at the same time, only one of them can get it. Generally speaking, it is better for one of the two parties with a low rate of return to apply for family subsidies.

         

        1. EI Sickness Benefits

        Sickness allowance is to help employees who are unable to work due to illness, injury or quarantine, and solve their financial difficulties. The sickness allowance can only be received for a maximum of 15 weeks, but it must have worked 700 hours in the past 52 weeks or since the last time I received employment insurance benefits. To apply for sickness allowance, a doctor’s certificate must be provided to prove that you are sick and the required recovery time.

         

        1. Social Welfare (SW)

        The social welfare fund is a cornerstone of the Canadian welfare system. It is used to guarantee the basic standard of living for every Canadian resident. Canadian residents can apply for this benefit if they have no income and have a bank deposit below CAD 1,000.

        If you are a single person, you can get CAD 500-700 per month, and a family of three can get CAD 1,100 – 1,300 per month, which is enough to maintain a low standard of living. New immigrants usually cannot enjoy this benefit within the first six months, so after landing in Canada, they need a certain amount of money to maintain their lives for six months.

         

        to be continued…

         

        Source: Canadian Times, Daily Headlines

        Further reading:

        Are there any citizen benefits after immigrating to Canada? (1)

        Are there any citizen benefits after immigrating to Canada? (3)

        Are there any citizen benefits after immigrating to Canada? (4)

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year

        Stream A: In-Canada graduates

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master’s or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

        Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

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        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

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        Phone: 2566 5066

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        Citizen Benefits After Immigrating to Canada? (1)

        Are there any citizen benefits after immigrating to Canada? Canada’s national welfare policies for citizens can be said to be well-known, and the “Immigration Paradise” by the majority of immigrants. What are the specific benefits?

         

        1. Medical Insurance Medical Service Plan (MSP)

        Every province in Canada has a medical insurance plan to provide basic medical protection to citizens. The Canadian government allocates approximately CAD 4.8 billion each year for the realization of health care benefits.

        Under normal circumstances, the medical insurance plan covers various medical services, medical expenses, and hospitalization expenses, but does not include the cost of medicines. If your family doctor thinks you need surgery or hospitalization, regardless of the size of the surgery, all costs will be covered by the medical insurance plan.

         

        1. Old Age Security (OAS)

        Canada’s legal retirement age is 65. Canadian residents, regardless of their assets or income, are eligible to participate in the “Old Age Security Programs” as long as they have settled in Canada for more than ten years.

        It should be noted that the pension is not automatically paid by the government after you reach the retirement age. You must apply to the government within December before your 65th birthday before you can receive the pension. In fact, the amount of pension depends on the length of the applicant’s residence in Canada, and is paid by the federal government on a monthly basis.

         

        1. Canada Pension (CPP)

        With the exception of Quebec, all provinces in Canada implement the Canadian Retirement Plan (CPP).

        The Canadian retirement plan is a public insurance plan. Canadian residents deduct a certain amount of pension contributions from their monthly income. After retirement or when they have long-term physical disabilities, they can get subsidies through this plan. The pension must be taxed, and applicants can get it anywhere in the world.

         

        1. Employment Insurance (EI)

        In addition to CPP, another one that will appear on Canadian employees’ payroll is EI (Employment Insurance). If Canadian residents (including citizens, permanent residents and legal work permit holders) have worked continuously for six months in a year and cannot continue to work because of unemployment, illness, childbirth or adoption, they can pass through the national employment insurance plan and getting temporary income means getting subsidies regularly for a certain period of time to reduce the impact of unemployment.

        The amount of subsidy that applicants receive depends on the length of their working hours and the local unemployment rate. To apply for a subsidy, you must go to the Canada Employment Centre, which is the institution that applies for the Social Insurance Number (Social Insurance Number).

        For those who have worked in Canada, the scope of employment insurance is quite wide, covering life security during unemployment, illness and raising children. But even for those who have not worked, there are corresponding social welfare payments and similar subsistence allowances.

         

        to be continued…

         

        Source: Canadian Times, Daily Headlines

        Further reading:

        Are there any citizen benefits after immigrating to Canada? (2)

        Are there any citizen benefits after immigrating to Canada? (3)

        Are there any citizen benefits after immigrating to Canada? (4)

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year

        Stream A: In-Canada graduates.

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

        Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

        🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻

        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        Tips for Working in Canada (2) – Work Environment

        Canada is a country with a beautiful environment, diverse cultures and is full of vitality. The local working conditions are good, and there are many enviable worker benefits.

         

        Canadian working environment

        • Ethnic diversity

        Unless you work in a Chinese company, generally the working environment in Canada can be said to be multi-ethnic and multi-cultural. It is not surprising that a company is a United Nations. In this environment, mutual understanding and tolerance are essential qualities for every employee. Because of the large number of immigrants, in addition to national public holidays, some companies and organizations also set up one or two days of paid Culture Day to facilitate employees to take vacations to celebrate their holidays.

        • Workplace humanization

        This should be said to be a system and not just a culture. One year of maternity leave can be taken for childbirth, and the couple can take turns to take this year. In addition, there should be no discriminatory behaviours such as gender, age, ethnicity, and sexual orientation in the workplace, otherwise, they will be brought to court.

        • Focus on Team Spirit

        On the one hand, Western society advocates the promotion of individuality, on the other hand, it attaches great importance to teamwork. If you want to show your merits and cover the information or materials that should be shared, the consequences may be serious. It can be said that in the Canadian workplace, the spirit of cooperation is paramount.

         

        Canadian living environment

        • Stable financial development

        Canada’s economic foundation can be said to be the most stable in the world, and its development is extremely vigorous, so it can provide potential immigrants with different types of job vacancies.

        • Excellent security

        Canada is a country with excellent public security and a very low crime rate. Violent incidents rarely occur. Compared with the neighbouring United States, Canada has a very low rate of gun ownership and is very safe.

        • Free healthcare

        All kinds of medical services in Canada are subsidized by the government, and all permanent residents can enjoy free medical care. In addition, every province in Canada also has a social welfare program to protect residents.

        • Unbeatable environment

        Canada is the second-largest country in the world, with a land area of ​​10 million square kilometres. Canada’s picturesque scenery and vast area are quite suitable for different types of outdoor activities, such as skiing, canoeing and rock climbing, etc. It is loved by local people of different ages and sectors.

        • Cultural melting pot

        Canada is a pleasant and friendly country. The natural gas and oil industries account for a large part of the GDP and are highly regarded by all developed countries. In addition, many immigrants from South America, Europe and Asia have also brought sublimation and breakthroughs to different local cultures, especially in terms of food, making Canada more colourful.

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year – Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

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        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        Tips for Working in Canada (1) – Is it Stable Work?

        Although the epidemic continues, work must continue. Recently, an organization published a survey of the most popular overseas work countries among professionals and was crowned the champion for the first time. The analysis pointed out that the main reason is that Canada has better epidemic prevention measures and a more open culture, which attracts highly educated people to work locally.

         

        Before Working in Canada, the Rights You Need to Know 

        In order to protect workers, Canadian labour laws set minimum wages for overtime and holiday allowances. Each province has legislated a minimum salary standard, but the salary level of each province will be slightly different. According to the latest information released by the Canadian government in June 2021, the minimum wage rate for experienced adult workers is between CAD 11.45 and 16.00. In addition, there are special regulations for young workers and special occupations.

        • Popular jobs in Canada
        • Administrative Assistant
        • customer service
        • Sales Assistant
        • Retail clerk
        • Accounting Clerk
        • project manager
        • Registered nurse
        • Electrical engineer
        • software developer
        • IT technical support staff
        • buyer

         

        Reasonable Working Hours and Overtime

        In most provinces of Canada, if the weekly working hours exceed a certain number of hours, you are entitled to overtime pay 1.5 times your hourly wage. The details depend on the regulations of each province. The threshold in British Columbia is 40 hours, and the threshold in Alberta and Ontario is 44 hours. For companies regulated by federal regulations, the number of hours is 8 hours a day and 40 hours a week.

         

        2021 Manual Ranking of Canadian Provinces

        Jurisdiction

        Effective Date (Latest)

        Wage Rate (CAD)

        Alberta

        01-Oct-2018

        $15.00

        British Columbia

        01-Jun-2021

        $15.20

        Manitoba Manitoba

        01-Oct-2021

        $11.95

        New Brunswick

        01-Apr-2021

        $11.75

        Newfoundland and Labrador

        01-Apr-2021

        $12.50

        Northwest Territories

        01-Sep-2021

        $15.20

        Nova Scotia

        01-Apr-2021

        $12.95

        Nunavut Region Nunavut

        01-Apr-2020

        $16.00

        Ontario

        01-Oct-2021

        $14.35

        Prince Edward Island

        01-Apr-2021

        $13.00

        Quebec

        01-May-2021

        $13.50

        Saskatchewan

        01-Oct-2021

        $11.81

        Yukon

        01-Apr-2021

        $13.85

        *Update to 06/2021

        *Source: Government of Canada

         

        Latest News

        Details of Canada’s lifeboat plan announced in June this year – Stream B: Canadian work experience

        Applicants must have graduated in the 5 years before you apply with one of the following:

        • a diploma (not graduate or post-graduate) for a program of at least 2 years, or a degree (for example, an associate degree, a bachelor’s degree, a master’s degree or a doctorate) from a post-secondary designated learning institution in Canada
        • a graduate or post-graduate diploma or certificate for a program of at least 1 year from a post-secondary designated learning institution in Canada
        • a foreign educational credential equivalent to one of the following:
          • a Canadian post-secondary diploma (not graduate or post-graduate) for a program of at least 2 years
          • a Canadian post-secondary degree
          • a Canadian graduate or post-graduate diploma or certificate for a program of at least 1 year
        • have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.

         

        🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻

        Make an appointment now for a free consultation on the “2 Pathways for Hong Kong Residents”:

        bit.ly/GI_freeconsultation

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        Info Guide of Studying in Canada (2) – Living Expenses

        The cost of living in Canada is slightly higher than average, but a high quality of life is guaranteed. Most provinces (such as  Montreal, and Ottawa) require CAD 800 – 1,500 per month. Vancouver and Calgary are some of the most expensive cities in Canada, with living costs up to CAD 2,000 per month.

         

        Accommodation Costs

        In Canada, you will have many housing options, and the price range is equally diverse.

        The main housing options for Canadian students are:

        Student dormitory: ~ CAD 250 – 625 / month

        Host family arranged by the university: ~ CAD 400 – 800 / month

        Rental and shared apartments: ~ CAD 300 – 700 / month, the rental price depends on the location and facilities. If you choose to rent a studio, you can pay an extra CAD 1,000 per month.

         

        Other Expenses Related to Accommodation

        When you rent an apartment or studio, you will incur additional costs:

        Basic utilities (electricity, water, heating, garbage): ~ CAD 150 / month

        Internet: ~ CAD 50 – 70 / month

         

        Food Expenses

        You don’t need to spend too much money on food bills. Shopping from local supermarkets and grocery stores only cost about CAD 300 per month. Some of the supermarkets you can find all over Canada are Canadian supermarkets, Walmart, and No Frills.

        If you want to dine in a restaurant, you will need to pay approximately CAD 10 – 25. In a mid-range restaurant, a three-course meal for two costs CAD 50 – 65.

         

        Transportation Fees

        Canadian university students between the ages of 18 and 25 can enjoy a discount when purchasing a monthly pass.

        The total price of the transportation card is CAD 90 per month, and the one-way ticket is CAD 3.

        Taxis are also a common mode of transportation throughout Canada, with fares ranging from CAD 2 – 6 per kilometre.

         

        Source: Study Portals Masters

         

        Latest News

        Details of Canada’s Lifeboat Program announced in June this year – Stream A: In-Canada graduates.

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        Info Guide of Studying in Canada (1)

        In addition to travelling away from home and work, you may also study to immigrate. Studying overseas allows you to stay in the local area for a long time to learn new knowledge and add value to yourself. At the same time, you can have a deeper understanding of the local culture and live the actual life of the locals. It will be a good experience. Canada is a popular overseas study location for Hong Kong people. What are the popular schools and subjects in Canada that attract?

         Canadian universities and colleges located throughout the country are known for their research and innovation. Canada’s higher education institutions are diverse – the scale, scope, characteristics, and breadth of the programs vary. High academic standards and comprehensive quality control mean that students can get a high-quality education, which will benefit their long-term career. Canadian degrees, diplomas or certificates are generally considered equivalent to degrees obtained from the United States or Commonwealth countries.

         

        Canadian University Tuition

        The tuition fees of Canadian universities are a bit high, but they are generally lower than those of countries such as the United Kingdom, the United States or Australia. University fees may vary from year to year, and you may also notice differences in different cities or degree programs. For example, the University of Newfoundland has the lowest tuition fees, while Ontario is the most expensive area.

        The tuition fee for a bachelor’s degree generally ranges from CAD 10,000 – 30,000 a year.

         

        Tuition Fees of Popular Subjects for Bachelor’s Degree:

        Bachelor of Business and Management: ~ CAD 16,000 – 56,000 / year

        Bachelor of Computer Science and IT: ~ CAD 29,000 – 55,500 / year

        Bachelor of Engineering and Technology: ~ CAD 42,000 – 55,000 / year

        Bachelor of Social Sciences: ~ CAD 28,000 – 56,000 / year

        Bachelor of Natural Science: ~ CAD 28,000 – 53,000 / year

        * A bachelor’s degree in medicine, engineering and social sciences is one of the most expensive courses of study.

        * Masters of business, engineering, computer science and law are the most expensive.

         

        Tuition Fees of Popular Subjects for Master’s Degree:

        Master of Business and Management: ~ CAD 22,150 – 52,700 / year

        Master of Computer Science and IT: ~ CAD 29,150 – 52,500 / year

        Master of Engineering and Technology: ~ CAD 42,150 – 52,500 / year

        Master of Medicine and Health: ~ CAD 42,150 – 58,300 / year

        Master of Social Sciences: ~ CAD 28,150 – 37,000 / year

        The purpose of these tuition ranges for bachelor’s and master’s programs is to help you determine your budget for studying in Canada. You do not have to choose the most expensive course, because higher fees do not always equate to better education. Focus on finding the best balance between your budget, tuition, and the benefits you want from your study plan.

         

        Canada’s Most Affordable University

        Memorial University of Newfoundland: ~ CAD 2,550 – 11,460 / year

        University of Regina: ~ CAD 10,281 – 12,073 / year

        Royal Roads University: ~ CAD 5,400-37,600 / year

        University of Saskatchewan: ~ CAD 6,710 – 18,800 / year

        Athabasca University: ~ CAD 9,730 – 16,400 / year

         

        Other well-known Canadian Universities

        Thompson Rivers University: ~ CAD 1,700 – 35,650 / year

        University of York: ~ CAD 24,600 – 63,600 / year

        The University of Winnipeg: ~ CAD 14,000 – 25,000 / year

        Humber College: ~ CAD 9,655 – 30,500 / year

         

        Tuition fees at top Canadian Universities

        University of Toronto-Tuition: ~ CAD 25,000 – 58,000 / year

        University of British Columbia-Tuition: ~ CAD 23,300-52,300 / year

        McGill University-Tuition: ~ CAD 19,000 – 58,300 / year

         

        Source: Study Portals Masters

         

        Latest News

        Details of Canada’s Lifeboat Program announced in June this year – Stream A: In-Canada graduates.

        Applicants must have graduated from a post-secondary designated learning institution in Canada

        • in the 3 years before you apply
        • with one of the following:
          • a diploma (not graduate or post-graduate) for a program of at least 2 years
          • a degree (associate, bachelor’s, master or doctoral)
          • a graduate or post-graduate diploma or certificate for a program of at least 1 year and
        • with at least 50% of your program completed in Canada (either in person or online)

         

        For more information, please contact our experienced immigration consultant now:

        WhatsApp: 6888 4742 (https://bit.ly/GI_hello)

        Phone: 2566 5066

        Website: http://bit.ly/GI_2pathways

        🇨🇦 Canada Latest Immigration Policy – Lifeboat Program 



        After Canada announced its lifeboat plan in February, in just four months, it has received thousands of applications for Open Work Permit from Hong Kong residents.

        Yesterday, the Canadian Federal Department of Immigration, Refugees and Citizenship (IRCC) released more relevant details. The following is an explanation for everyone.

        It should be noted that eligible applicants must hold a Canadian temporary residence visa (including student visa and work visa) during the period of applying for permanent residence (PR) and when obtaining PR. Applicants must meet the local language level, hold a special zone and BNO passport, be in Canada and intend to settle outside Quebec. The relevant policy will be effective from June 1st, and the application deadline will be until August 31st, 2026.

         

        Stream A: In-Canada Graduates

        Have graduated from a post-secondary designated learning institution in Canada in the 3 years before you apply, and with one of the following:

        • Degree (bachelor’s, master or doctorate)
        • Diploma (for a program of at least 2 years)
        • Graduate or post-graduate diploma or certificate (for a program of at least 1 year) (*Applicants must have completed this prerequisite diploma or degree in the 5 years before you started your graduate or post-graduate program)
        • with at least 50% of your program completed in Canada (either in person or online)

         

        Stream B: Canadian Work Experience

        1. Have worked in Canada for at least 12 months full time, or an equal amount of part-time hours in the 3 years before you apply.
        2. Post-secondary education in Canada or anywhere else within 5 years:
        • Bachelor’s, Master’s, and PhD degrees from a designated learning institution in Canada.
        • Overseas diploma, certificate or certification and recognised as equivalent to a bachelor’s, master’s, or doctorate degree from designated learning institutions in Canada.
        • A minimum of 2 years diploma from a designated learning institution in Canada.
        • Overseas diplomas, certificates or certifications that are recognised as equivalent to a minimum of 2 years of Canadian designated learning institution diplomas.
        • Undergraduate or postgraduate diploma, certificate or certification from a designated learning institution in Canada.
          • At least 1 year and requires a higher education degree or diploma as entry requirements.
          • The higher education degree or diploma must be obtained no more than 5 years before the start of the undergraduate or postgraduate diploma, certificate or certification.
        • Overseas diplomas, certificates or certifications that are recognised as equivalent to the undergraduate or postgraduate diplomas, certificates or certifications of a designated higher education college in Canada for a period of at least 1 year.
          • The overseas diploma, certificate or certification requires a higher education degree or diploma as an admission requirement.
          • The higher education degree or diploma must be obtained no more than 5 years before the start of the foreign diploma, certificate or certification.

         

        In fact, the way for Stream B to obtain PR has a certain relationship with the work visa program for Hong Kong people launched earlier this year. The program allows Hong Kong people who have graduated from post-secondary education within five years to obtain a three-year Open Work Permit (OWP). OWP holders can accumulate work experience based on this, and then pass Stream B to obtain permanent residence.

         

        🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻

        For more information, please contact our experienced immigration consultant now:

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        Phone: 2566 5066

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        [Part 2] 2 Years Immigration Experience in Canada

        Cultural environment

        Benefits: Canada is a relatively equal society. No matter what job you hold, what job you do, or how much wealth you have, you are naturally equal in this country. Even if you are a public official, you are actually serving everyone. There is no special power, only due obligations.

        The mayor has to line up when he goes out to do errands. Even if he squeezes the subway, no one will take a high look at giving a seat to a special person. Through the redistribution of social resources in the superstructure, the rich have to pay more taxes, so that the poor can receive relief funds and various subsidies. The poor will never have to worry about having no money to look down on the disease, and their children cannot afford to go to school.

        Although Canadians pay a lot of various taxes each year, the effect of the return can be seen in all aspects of life. Every community park in the city is clean and beautifully maintained. The community library and activity centre are fully equipped. The snow shoveler will spread salt in time to clean the road surface. If the pavement bricks have raised corners, they will be smoothed. , No matter how remote the rest area of ​​the park is, there are toilets with toilet paper. Public beaches in summer are equipped with safe ambulance personnel. Many parks are equipped with fitness equipment, automatic drinking fountains, and restrooms.

        Note:
        Many things in Canada are definitely slower than in other countries. Everything is subject to repeated discussions. For example, Toronto’s proposal to build a short subway extension line is so beneficial and harmless. It has been studied and discussed for many years. It has not yet entered the implementation stage, and even the drawings have not been discussed and finalized.

        Because the two places have different national conditions, different laws and policies, different environmental atmospheres, and different working styles, the work has been on track in the past, and when you come to Canada, you may need to start from scratch or even encounter situations where you cannot find a job. If you have a bad mentality, you can’t lower your posture, and you want to have the same sense of existence as before, it’s basically impossible.

        Working Environment

        Benefits: Canada’s attitude towards talented international talents is welcome and recognized. It places great emphasis on professional skills certificates and the work experience of well-known companies. In comparison, the same educational background is better than work experience, and the same work experience is better than a certificate! A professional certificate is easier to find a job than a master or doctor with no work experience, and even a technical school graduate with work or internship experience is easier to find a job than a just graduated master!

        Regardless of the background of the immigrants, as long as you put in enough effort, you can always earn a decent life. There will be immigrants from various countries around the world working together in every company in Canada. Although everyone has different skin colours, beliefs, and living habits, they can basically respect each other in the workplace. There is less intrigue in our workplace politics.

        Everyone divides work and life very clearly. They work during the day and get paid and come home from get off work to enjoy life. I don’t like to take home the negative aspects of work. Home is the harbour of life. Work is just to make money. There is no need to complicate simple things. Therefore, working here is not so much pressure on interpersonal relationships, and it is suitable for simple and happy people.

        Note: New immigrants who come to Canada to find a job often have some work experience, especially skilled immigrants and skilled immigrants, who themselves apply for immigration based on their own work experience as a bonus standard. However, after successful immigration, the previous work in the country is not recognized by employers in most cases in Canada.

        Because the two places have different national conditions, different laws and policies, different environmental atmospheres, and different working styles, the work has been on track in the past, and when you come to Canada, you may need to start from scratch or even encounter situations where you cannot find a job. If you have a bad mentality, you can’t lower your posture, and you want to have the same sense of existence as before, it’s basically impossible.

        Person-to-person relationship

        Canadians are warm, direct, polite and honest, so they are relaxed and happy when getting along with most Canadians. If you want to socialize with Canadians, it usually means chatting on different occasions. Normal friends usually don’t have a deeper relationship, and they don’t often have dinner and accommodation at your home and my home after having a good chat like a Chinese.

        Canadians pay more attention to privacy and keep a certain distance from each other. They will not whisper to each other when they talk. Normally they will keep a distance of more than 1.5 meters. If they are neighbours who may stand at their door 5 meters and 8 meters away, they can talk for half a day. Leave a certain amount of personal space and do not disturb other people’s lives.

        Canadians value themselves and their families most. Canada talks about rules, no favours, no treats or gifts, and no one has to think about going to the back door to ask people to do things and jump in the queue. Everything is done in business, no matter what the title is, you should queue up and be fined.

        In particular, working as a civil servant in Canada does not have any superior treatment. It is just a type of work that serves the people. It will neither be higher than ordinary people’s wages nor can you have any grey income. If found, they will be convicted and dismissed. This kind of job is not very attractive in Canada. Most of them are applied by people who desire mediocrity and have no higher pursuit of career development.

        Canadians’ emphasis on privacy and the preservation of each other’s space makes it difficult for many people who like to lively to adapt. Sometimes there are a lot of people in the park, but it is quite quiet. Everyone likes to enjoy the beautiful scenery quietly, rarely chatting and not making loud noises.

        Giving gifts in Canada is very offensive, and it may even lead to nothing wrong. Here, everything is done according to the rules, and doing things peacefully is the right way. The more evil thoughts there are, the less able to achieve the goal. The idea of ​​being accustomed to relying on relationships to handle everything is not working here.

        Daily consumption

        Benefits: Life in Canada is very convenient in both cities and towns. There are a lot of supermarkets of various types. There are shopping malls and shopping centres in every community. Some franchised stores specialize in building materials, home furnishings, flowers, daily necessities, cosmetics, medicines, kitchenware, lamps, etc. There are also small 1 yuan and 2 yuan shops that sell everything and the quality is good.

        For Chinese, Chinese supermarkets like Vancouver and Toronto are a one-stop-shop for all Asian daily commodities. There is no feeling of going abroad in these supermarkets. Most of the customers and sales staff are Chinese. There are almost all domestic products here. There are all of them, and the ones that are not available for the time being may appear on the shelves if you visit again after a while.

        There are also some Chinese self-owned shopping malls, which mainly sell domestic products with a complete range of products, and they are also cheaper than local Canadian prices. Many foreigners also like to go shopping. Therefore, when you come to live in Canada, you don’t need to worry about not being able to buy domestic products.

        And there are many daily necessities in Canada even if multiplied by the exchange rate, they are still cheaper than domestic products of the same quality. Nowadays, a meat dumpling in China has been sold for more than 20 yuan, and I would think that Canada has 6 or 7 yuan a sufficient amount of beef. Burgers are really not expensive.

        Note:

        Although Canadian prices are not expensive compared to income, for new immigrants, no matter what they buy in the first period of time, they always love to multiply the exchange rate by 5 to calculate the price. In this way, everything is expensive, and it feels much more expensive than domestically. Besides basic agricultural and sideline products, everything is taxed, especially the tax on tobacco and alcohol.

        There is also the prevailing tipping culture in North America. If you want to tip less than 15%, you need to think about whether the service and dishes are really bad. If it is said in the past, it is better not to be so stingy. After all, people rely on this income to support their families. of.

        There is absolutely no way for e-commerce here to compare with China. It’s impossible to do everything with just a mobile phone when you go out. It is still a world of cash and credit cards. It seems that it is still in the business form of more than ten years ago. This is mainly because of the people in the Western world. Pay more attention to privacy and property security. Internet transactions have a great risk of personal information leakage.

        Housing and automobile-related

        Benefit:

        The types of houses here can be roughly divided into apartments, detached houses, semi-detached houses, townhouses, etc. The traditional Asian concept is that a house is called home, so most Hong Kong people and mainlanders who immigrate to Canada try to buy a house as soon as possible.
        The houses here have real property rights, which means that as long as the annual land tax is paid on time, the land belongs to the buyer permanently. The homeowner is free to plant flowers and plants on his own land, build a swimming pool, and fully experience the landlord’s control right. The amount of land tax is related to the estimated market value of your house and the annual expenditure budget of the local government. The land tax notice letter twice a year clearly lists the proportion and amount of various expenditures.

        Here is a mention of daily expenses such as house water, electricity, gas, internet phone, etc. Except for water and electricity bills that are charged by centralized management, many providers like gas internet phones and cable TV can choose from, which one is cheaper for activities or services. OK, you can make a call to change it at any time, it’s very convenient to get it in different types.

        Canadian car prices are currently cheaper than those in Hong Kong and the Mainland, and the same car configuration will be higher and of better quality. The second-hand car market is also very prosperous. Canadians change cars more frequently. Affected by sales and marketing strategies, generally speaking, many people change cars every 3 years. Therefore, many cars are very new in condition and they are in the best condition just after the running-in period. Resold at the time. There are many second-hand car markets with price concessions close to new cars, saving money and cost-effective!

        Note:

        The houses in Canada are beautiful with land, which is really enjoyable! However, the cost of housing in Canada should be the highest expenditure in the cost of living. According to the latest report, housing expenditure in Vancouver has already accounted for 98% of the average income of Vancouver residents. Toronto is also close to 70%, while most other cities are around 30%.

        Housing expenses mainly include loans, insurance, land tax and daily decoration and maintenance. But keeping a house requires a lot of time and money. Some houses with management fees do not need to be repaired and maintained by themselves. The more expensive the house, the more maintenance costs need to be invested. There is a lot of equipment that needs to be regularly maintained inside and outside the house and the infrastructure needs to be replaced irregularly. If you do it, you can start at $100.

        Moreover, land tax is required to be paid, and the price of land tax is determined according to the superiority of the geographical location and some comprehensive factors. When you buy a house, you will know the land tax price of the year, and sometimes it will fluctuate. Every year, you will receive a land tax price list and payment time from the government. You can pay the fee online or give it a check. The general house property tax is between 4000 and 10000 Canadian dollars, and luxury houses are discussed separately, and there is no upper limit.

        Canada’s second-largest fixed cost of living is even car-related expenses. In particular, the car insurance in Toronto is ridiculously high, and gasoline prices have risen again and again. Car repair and maintenance costs are not low, mainly due to higher labour costs, so in order to save money, many Canadians have taught themselves the craft and can do it by themselves without spending money to hire people.

        Gasoline costs at least a few hundred dollars a month. Although Canada is an oil-producing country, the current price is not low, about 1.3 yuan. Last year it was only about one yuan, and the price has been increasing. So keeping a car and a house is a big expense.

        History is preserved

        Benefits: Although the founding history of Canada is only 151 years old, a large number of historical sites and buildings are very well preserved. Some small towns not only maintain very new buildings one or two hundred years ago, but also formulate relevant laws and regulations to manage them, and they are not allowed to arbitrarily rebuild or demolish these historical buildings that represent Canadian culture.

        Although some of these buildings are still private property, they are still required to maintain the most original architectural appearance. When they need to be repaired, they will also use the closest similar materials. Therefore, many houses, churches, train stations, etc. now look the same. It was exactly the same a hundred years ago, and still very strong.

        Canadians’ emphasis on history is also reflected in various large and small museums. There are National History Museum, Royal Museum, War Museum, Science and Technology Museum, Footwear History Museum, Aviation Museum, etc. It seems that Canadians have preserved everything that can be preserved.

        In order to let people understand the past history, many museums will be opened every year for free, so that more people have the opportunity to understand the history and culture of this land. Many Canadians themselves are collectors of historical objects. They treasure all kinds of exquisite porcelain, paintings, musical instruments, handicrafts, and even Barbie dolls and toy dolls shipped from Britain, Italy, France, China and other countries many years ago. , Jewelry, clothing, etc. They keep these antiques as good as new, and their home has become a small museum.

        Lament the Canadians’ respect and love for history!

        Note:

        The founding history of Canada is not long, it is still very young for a country! This land has not experienced a long history of five thousand years like China. It does not have the splendid history and culture of China and its former glory. There is neither Beijing nor Xi’an, an ancient capital full of dynasty change stories, nor Suzhou and Hangzhou. There are cultural hubs where stories and legends are spread everywhere.

        The cultural characteristics of all the places in the tour are very similar, and it will inevitably be some aesthetic fatigue if you see too much, so you have to turn your attention to nature. Although Canadians always strive to emphasize their own cultural independence, they cannot escape the shadows of Britain, France, and the United States. After all, the formation of cultural independence is not a matter of overnight.

        The above are some of my personal knowledge of this land in the past two years since I immigrated to Canada. Many of the impressions left during the initial landing have also changed over time. Some people who were not accustomed to the place when they first arrived have solidified into a part of life, and some things that were originally particularly exciting have become accustomed to them.

        Frankly speaking, there is no country where everything is perfect, and all good and bad are not absolute. What really determines the happiness of an immigrant’s life is whether you can accept the new environment, integrate yourself into the local life, and accept all her strengths and weaknesses.

         

        Need professional advice on immigrating to Canada?

        If you are considering immigrating to Canada but do not know how to apply, Global Immigrate’s team of professional immigration consultants will be happy to help you solve your problems. As an Incubator partner recognized by the Canadian Immigration Service for many years, Global Immigrate has been providing professional consulting services for clients who intend to immigrate to Canada, tailoring suitable immigration programs according to their personal conditions and wishes. So far, we have successfully helped nearly 100 families immigrate to Canada.

        If you have any questions about immigrating to Canada or want to learn more about life in Canada, please call +852 6888 4742 or fill out the contact form.

        [Part 1] 2 Years Immigration Experience in Canada

        For new immigrants, there will also be good and bad sides in the new life in Canada. Today I will talk to you about some personal views and feelings about living here during the two years of immigrating to Canada, hoping to be a reference for friends who are planning to immigrate and about to start immigrating life.

        Benefit:

        Canada’s beautiful natural environment is rare in the world, with an astonishing 45% forest coverage and as much as 20% of the world’s freshwater resources. From the east coast to the west coast, it contains a wealth of natural landforms, wetlands, plains, mountains, and lakes. All over the vast land.

        Natural environment

        In addition to the infinite and spectacular scenery that this piece of land brings to people, it also brings the abundant resources that people rely on for survival and development. It is not an exaggeration to say that even if the world does have the end times mentioned in the movie, even if Canada is closed and isolated from the world, it can easily rely on its own resources to be self-sufficient. This is a rare blessing in the world.

        In recent years, so-called ecological migration has appeared, and the main consideration for many friends to emigrate is to seek a beautiful natural living environment. There is no doubt that Canada is very suitable. What’s more, there are landscapes everywhere, where people and nature merge together. Taking a photo at hand is a landscape painting, which is tranquil and magnificent.

        Disadvantages:

        Such a superior natural environment can also bring some troubles to people, especially animals that can be seen everywhere, such as cute rabbits, squirrels, beavers, chipmunks, egrets, mandarin ducks, wild ducks, swans, deer, etc., They will visit your garden from time to time, gnaw off the flowers and plants that you have worked so hard to grow up, dig up expensive lawns, and when the raccoons are happy, they will come over in the middle of the night and gnaw your trash can outside. If unfortunately you are caught in your backyard by a skunk as its comfort zone, it is estimated that you will not even dare to open the windows throughout the summer.

        In addition to the cute animals above, there are also many fierce guys here, such as bears, coyotes, foxes, cougars, rattlesnakes and other species that can only be seen in zoos in China. It is entirely possible that you will enjoy the wild scenery. It happened to you unexpectedly, and reports of being harassed by bears while camping are not uncommon in this country.

        Some beasts will even wander around your community. Cat slaves and dog owners must take good care of their baby pets, otherwise, a careless one may be attacked and taken away by large animals. The famous Canadian geese are also super raptors with explosive combat effectiveness. They wantonly occupy parks, streets, and parking lots. They must stay away during their breeding season.

        For those who hate animals, living in Canada will feel very painful, because Canada absolutely does not allow humans to treat animals cruelly. In a country where cooks must follow strict humanitarian procedures when handling lobsters, no matter how animals treat you, You must not be rough with animals.

        In the backyard last night, two screaming animals fought and tossed into the middle of the night, and I could only pretend not to hear, and wait until they were tired of tossing and retreating before falling asleep as if they were the owners of the land tax here.

        Climate

        Benefits: Generally speaking, the livable areas in Canada are at the southern end of the country and the United States. There are a few aborigines in the north who have adapted to the cold climate there. But most Canadians, especially new immigrants from various countries, choose to concentrate in the two cities of Vancouver and Toronto. Because the climate in these areas is relatively warmer.

        Canada’s winter and summer are longer, and spring and autumn are shorter. This season is suitable for winter ice and snow sports and summer water outdoor play. The degree of Canadian locals’ crazy love for ice hockey is beyond your imagination. Almost every family has posters of favourite Canadian ice hockey players, and even framed jerseys are hung in the room. There is no doubt that ice hockey is the favourite of Canadian adults and children. Winter sports.

        In winter, you can also ski, skate, play sledging, snowball fights, and ice fishing, which is also quite fun. There are more outdoor activities in spring and summer, camping, yachting, boating, swimming, snorkelling, surfing, fishing, seaplane, motorboat, etc. There are all the fun projects you want here!

        Canadians are not idle during the short autumn, enjoying maple leaves, watching waterfalls, outdoor barbecues, rowing wooden boats, walking the plank road, and hiking in the mountains and rivers.

        Disadvantages: As we all know, because most of Canada’s land is in the north like Russia, Canada’s climate can be summed up in one word in the eyes of many Asian immigrants: cold!

        Especially for Asian immigrants, it is difficult to adapt to the cold winter climate in Canada at the beginning. What’s more, for those new immigrants from tropical and subtropical countries who have never seen snow before, it takes a few hard winters to begin to adapt slowly. Winter life, safe driving in snow and snow removal in winter are all skills that need to be learned.

        It’s incredible that Canadian locals who are not afraid of the cold often wear short-sleeved shorts to go out in severe winters when the temperature is minus 20 degrees. Some people say that they may get in the car directly from the garage because the house is warm. In fact, they are really not afraid of the cold. ! At the coldest time of the year, they usually only wear a pair of jeans on their legs, but our long trousers, velvet trousers, and cotton trousers have all been worn long ago.

        With the acceleration of global warming, the only cold Canadian summer temperature in our eyes is actually not low. Not long after the beginning of this summer, Toronto has had as many as 11 days of over 30 degrees Celsius. This was in the past few years. It is unthinkable. It also happens when the body feels more than 40 degrees in extreme weather. At this time, it is almost as hot as the summer in tropical countries such as Thailand.

        Especially in summer, the sun is violent, so you must go out with various sunscreens, otherwise, you will get sunburned easily. So if you are afraid of cold and heat, you can only live in Vancouver when you come to Canada, provided that you can accept the high cost of living and very few job opportunities.

        Daily life and entertainment

        Benefit:

        Canadians are busy in their daily life to pursue the quality of life themselves! Except for working hours, Canadians spend all their spare time spending time with their families, taking care of their living environment, and sports and fitness outdoors. Canadians are always keen to constantly change the way of decorating and decorating their houses, changing furniture and accessories, hanging Christmas lights, placing Halloween pumpkins, planting flowers and grasses in the front yard and backyard, and watering and fertilizing them. Also keen on outdoor activities, running and fitness.

        Those who are addicted to alcohol and smoke, and especially enjoy feasting and feasting, are definitely not suitable to come to Canada. In Canada, there are strict and detailed regulations on drinking and smoking. Tobacco cannot be sold on the open side and cannot be sold on a roof. Smoking indoors, there are age restrictions for drinking, and you can’t drink in public. You can’t drink alcohol casually when you arrive at a restaurant. Only restaurants that are eligible to apply for a liquor license can sell alcohol to guests.

        This is an absolute good thing for health. In Canada, you don’t have to worry about being forced to smell second-hand smoke in work and life, and you don’t have to worry about listening to drunks making noise while enjoying food in restaurants.

        Disadvantages:

        People who like to join in the fun will be more indifferent in Canada, which is different from everywhere in the country. Even the business district in Canada is less noisy than in China.

        Except for holidays and special events, there will be lively spots, usually, people just stay at home quietly and work on their house gardens, or leave the city to live their own small lives in holiday houses. If you want to buy cigarettes or alcohol, you must go to a limited designated place to buy, and it must be packaged so that no one can see it, let alone smoking and drinking outside the prescribed places.

        Because public ethics in Canada is extremely important, no matter what you want to do, you must first consider whether it will affect the interests of other people. Smoking illegally will cause others to smoke second-hand smoke, and drinking in public places in violation of the regulations may cause harm to others. I hint in my heart and may cause potential harm to public security and traffic, so there is no absolute freedom in life here.

         

        Need professional advice on immigrating to Canada?

        If you are considering immigrating to Canada but do not know how to apply, Global Immigrate’s team of professional immigration consultants will be happy to help you solve your problems. As an Incubator partner recognized by the Canadian Immigration Service for many years, Global Immigrate has been providing professional consulting services for clients who intend to immigrate to Canada, tailoring suitable immigration programs according to their personal conditions and wishes. So far, we have successfully helped nearly 100 families immigrate to Canada.

        If you have any questions about immigrating to Canada or want to learn more about life in Canada, please call +852 6888 4742 or fill out the contact form.

        Notes of Real Estate Investment in Canada

        Canada is not only the first choice for many Hong Kong people to immigrate. In recent years, more and more Hong Kong people are buying properties or investing there. Canada’s property market is growing and rental returns are good. The Canadian government welcomes foreign investors to buy local real estate. Overseas people buy real estate locally and enjoy the same ownership rights as local residents. This article will introduce you to the property prices in different regions of Canada, purchase procedures, related costs and precautions for purchase.

        Can Hong Kong people buy a property in Canada?

        The Canadian government maintains an open attitude towards foreign investors buying local properties, and is open to global investors to purchase different types of local real estate. When purchasing real estate in Canada, non-local residents have the same real estate ownership rights as Canadian residents or citizens, but some provinces have corresponding restrictions on non-residents purchasing agricultural or recreational land.

        In addition, buying a property in Canada has nothing to do with holding Canadian citizenship, but depends on the length of stay in the country. If overseas people plan to stay in Canada for half a year or less, they will be regarded as non-local residents by the Canadian authorities and can purchase properties locally as non-local residents, but additional taxes may be required in some areas. On the contrary, if overseas people intend to stay here for more than half a year or more, they need to apply for resident status.

        Canadian property prices and the property market

        The Canadian property market is still growing. According to data from the National Bank of Canada, property prices in Canada’s seven largest cities rose by 1.95% last year. Among them, Toronto and Ottawa saw the most significant increases in property prices, reaching 10.2% and 15.4% respectively.

         

        The following example table shows the average property prices in major Canadian cities and the percentage of price changes in the past 12 months (updated in June 2020):

        Canadian cities Average property prices   Percentage change in price in the past 12 months
        Toronto CAD 870,000 (approximately HKD 5 million) +10.2 %
        Ottawa CAD 479,000 (approximately HK$2.7 million) +15.4 %
        Montreal CAD 435,000 (approximately HKD 2.5 million) +9.3 %
        Vancouver CAD 1,036,000 (approximately HK$6 million) +2.63 %
        Halifax CAD 331,000 (approximately HK$1.9 million) +3.6 %

         

        How to find a property in Canada?

        Real estate brokers and agents

        When purchasing real estate as a foreigner in another country, you will inevitably encounter unfamiliar situations such as local taxes, regulations, real estate information, culture, and language. Therefore, finding local experienced real estate agents is a good solution. If you are interested in buying a property in Canada, you can consider hiring a real estate agent accredited by the Canadian Real Estate Organization.

        Choosing a good real estate agent will not only help solve the problem of language and cultural differences, but also enable you to understand the overall housing market conditions and trends, and help you find your favorite real estate. Canadian real estate agents do not expressly stipulate how much brokerage commissions they charge, but they are generally 2%-6% of the real estate price, which is usually borne by the seller.

        Canada’s buying process

        1. Assess personal financial ability, such as inquiring about mortgage plans from banks/private lending institutions, obtaining pre-approval for loans, in order to consider different real estate options
        2. Search for local qualified real estate agents to provide information and advice, such as real estate and prices in different regions
        3. Employ a lawyer to review legal provisions and contract details
        4. Once you find the real estate you want, you can ask the real estate agent to help sign a sale and purchase contract with the seller
        5. Let the real estate agent contact the designated real estate lawyer or notary for mortgage transfer, transfer and property registration

        Costs related to buying a property in Canada

        The related costs of buying a house in Canada include attorney fees, service fees, property insurance, land registration fees and taxes. The total cost depends on the type of property, location and other factors.

        Mortgage

        If overseas people need to apply for a mortgage loan from a local bank, they need to interview by phone or email and collect personal information, such as assets, personal income, tax returns, personal credit ratings, etc., to obtain loan qualifications. In addition, if a mortgage is required, the applicant must go through the broker or bank that handles the mortgage in Canada, and cannot go through the mortgage process through an overseas bank.

        Down payment

        For overseas buyers, the down payment is at least 35% of the real estate value. When you need to pay the down payment, you will find that you need to transfer a large amount of money from overseas to Canada. Since banks’ exchange rates often increase prices, the final cost of using banks for international remittances may be relatively high, and it may take multiple working days to complete the remittance procedures.

        Taxes

        When buying a property in Canada, the tax levied by the local government depends on the area and purpose of the property purchased. The following are some of the main tax items:

        • Non-Resident Speculation Tax: For non-Canadian citizens or permanent residents in the Greater Golden Horseshoe Region, they need to pay 15% of the property value as an overseas buyer taxi
        • Land transfer tax: the tax depends on different provinces
        • Annual property tax or vacancy tax: Some provinces levy annual property tax or vacancy tax. For example, in the Greater Toronto Area, the government will require an annual property tax of 0.75% – 1% based on the assessed value of the house.
        • Capital gains tax: If you intend to use the property for investment purposes and sell it, you will need to pay approximately 25% of the tax at the time of sale
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