Canada has a quiet environment and high quality of life. It is an ideal country for many people to settle down, and it is also an ideal place for further studies. The educational system of Canadian universities is very similar to that of the United States. Canada’s financial industry and its supporting industries are one of Canada’s important economic pillars, and related disciplines opened by local universities have been highly praised internationally. Financial auditing, financial investment, risk management, etc. are all popular subjects in Canada.
Canada admission fees
The cost of studying in Canada includes tuition and living expenses. The tuition will vary slightly depending on the type of school you enter. The popular subjects in Canada are a financial investment, risk management, bioengineering, food processing, tourism management and other subjects.
High school: 9,000 – 22,000 Canadian dollars/year Post-secondary college: 10,000 – 25,000 Canadian dollars/year University: 25,000 – 60,000 Canadian dollars/year University foundation course: 14,000 – 20,000 Canadian dollars/year Accommodation and living expenses: 15,000 – 25,000 CAD/year
CAD 1.00 is approximately equal to HKD 5.87
Canadian university academic system and master’s application
The education system in Canada is similar to that in the United States. Universities mostly adopt a credit system, with degree courses lasting three or four years. Overseas students can access local universities through community colleges (post-secondary colleges).
Students need to provide high school grades and English or French grades when applying for Canadian universities. The admission requirements vary according to the university, courses and subjects. Generally speaking, if Hong Kong students want to apply for Canadian universities, the best DSE scores are 5 subjects and 4 points, or Achieve 3 subjects of C grade or above in A-Level. The English requirement is a TOEFL IBT score of 85 or above, or an IELTS 6.0 or above. If you apply for the MBA program, you need to take subjects such as calculus or advanced functions.
Many people are considering immigrating to Canada in 2021. Before buying or renting a house in Canada, you can take a look at the lazy bag below. In fact, Canada has four main types of residences, namely Single Family Home, Townhouse, 2 Bedroom Condo, and 1 Bedroom Condo. We collected relevant information on the Internet to find out the following are the first 25 percentiles of various types of residential properties in downtown Vancouver. You can refer to the current approximate cost of buying and renting a property in Canada, and of course, the life of each person Levels and habits are different, so if you plan to emigrate, you’d better prepare to do more homework for real estate, lock your own needs, and meet with local agents, so that you can find your home more clearly.
The Canadian waste sorting plan features very careful specifications, and you must know how to install an app even when you drop the waste. If you want to solve the garbage problem when you first arrive, you must take time to learn this life science.
Canadian garbage caused diplomatic turmoil
Garbage is a headache for governments of various countries, and it can even cause diplomatic controversy. It is said that several tons of Canadian garbage were shipped to the Philippines in 2013 and 2014. Since then, the Philippine government has been strongly demanding Canada to recycle this batch of garbage and has launched a propaganda campaign that Western countries export garbage to Southeast Asia.
The incident dragged on for several years, and finally, in May 2019, the Philippine government announced that it would officially send the garbage back to Canada. In the same month, Malaysia also announced that it would send 450 tons of garbage back to Canada, Japan, China, the Sands and the United States. Southeast Asian countries refuse to be so firm on “foreign garbage”. This move will force advanced countries such as Canada to enforce garbage classification more strictly and minimize the amount of non-recyclable garbage handled.
Canada mainly uses three types of trash cans to facilitate citizens’ garbage sorting. Trash cans need to be purchased from the city government at their own expense. Take Toronto as an example. Large blue and green buckets are CAD 112.95 (about HKD 692) each. In terms of trash cans, they are expensive, so you should cherish them.
Blue Cart
A collection of recyclable garbage, including paper products such as flattened cartons, newspapers, paper bags, and pizza boxes; aluminium cans, aluminium trays and other aluminium metals; plastic bottles, plastic boxes, and plastic trays Wait for plastic containers. It should be noted that in some areas, such as Toronto, glass bottles can be put in blue bins, but in some areas, such as Richmond, they need to be put in grey recycling bins or blue recycling bins with specific labels.
Green Cart
Used to collect kitchen waste or garden pruning waste, including bread, spaghetti, coffee grounds, eggs, dairy products, fruits and vegetables, meat, fish, shellfish, rice and other food waste; dead leaves, branches, weeds; Wipes, napkins, paper plates, pizza boxes can also be put in the green bucket.
The Garbage Cart
Used to collect general non-recyclable garbage, including diapers, wet tissues, plastic tableware, snack bags, etc. Blue buckets and green buckets are generally collected once a week, while black buckets are collected every other week.
As in European and American countries, when collecting garbage, households must push trash cans to the side of the road for workers to recycle. The collection time is usually earlier (such as 7:30 in the morning), and the collection is divided into weekly or bi-weekly collections. It is a challenge for novices to remember the collection date. Therefore, the City of Richmond simply launched a mobile app to facilitate users to receive notification of the recycling date every week.
What about extra trash?
There will inevitably be extra rubbish when the house is cleaned up. In this case, you can buy a “garbage sticker” at the municipal government or community centre and put a “garbage sticker” on each additional trash can or bag. If you need to dispose of Shani or building materials for home renovations, you have to purchase “landfill coupons”, which can be used to dispose of this type of waste to the garbage landfill.
If you want to dispose of furniture or large household appliances, some municipal governments will provide free recycling services. Recyclers will come to your door after making an appointment. However, there is a maximum of four pieces of furniture a year. In addition, small household appliances or home fitness equipment, aerosol cans, fire extinguishers and other dangerous items can be disposed of by themselves at the local “recycling station”.
According to data released by Canada, as many as 43.6 billion Canadian dollars flowed into Canada from Hong Kong last year, which shows that Hong Kong people have strong demand for Canadian banking services. Want to open a Canadian bank account? What are the options? Can I open an account in advance in Hong Kong?
Some Canadian banks can apply for the account opening in Hong Kong in advance, including the Bank of Montreal which has branches in Hong Kong.
According to data released by Canada, as many as 43.6 billion Canadian dollars flowed into Canada from Hong Kong last year, which shows that Hong Kong people have strong demand for Canadian banking services. Want to open a Canadian bank account? What are the options? Can I open an account in advance in Hong Kong?
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Six major bank choices
Hong Kong people generally choose one or two of the six major banks to open a bank account in Canada. The six major banks include RBC Royal Bank, Bank of Montreal, CIBC, Scotiabank, TD Canada Trust and HSBC.
Canada is a country that actively absorbs immigrants, so the six major banks provide financial services specifically for new immigrants, so as long as you have a valid identity and residence documents, you don’t really need to worry too much about applying for an account.
How to open a Canadian bank account
If you want to open an account before departure, you must consider a Canadian bank with a branch in Hong Kong. Both CIBC and Bank of Montreal have branches in Central to provide Hong Kong account opening services. Due to the epidemic situation, if you want to open an account at the two banks, you must first call the Hong Kong branch staff. The staff will usually ask you about your destination in Canada and the branch you will use when you arrive, and then submit the account opening form and documents via email. Immigrating to Canada to open an account must submit the passport photo page, residence visa and immigration paper (or the front and back of the Maple Leaf Card), and the completed account opening form. Generally, you will receive an account confirmation email in about three working days to one week.
After receiving the confirmation email, it is best to wire the funds to the Canadian account within one month. For wire transfer, fill in the account holder’s name, Canadian address, bank name, branch number, account number and branch address. After receiving the remittance, the bank will issue a deposit certificate for you to present to the customs for inspection when you enter the country. In addition, please note that this account can only be used for deposits. When you arrive in Canada, you must call the pre-selected branch to make an appointment, and bring your identification documents to the branch to complete the account opening procedure. Usually, you will apply for an ATM card or credit card by the way and complete the account activation procedure. The account can be used nationwide in Canada, as well as using banks mobile phones or online financial services.
Bank of Montreal
It is worth mentioning that the Bank of Montreal announced the sale of private banking services in Hong Kong and Singapore earlier, but this will not affect retail banking services in Hong Kong. Bank of Montreal can still be considered for opening an account in Hong Kong in advance. In addition, if the departure time is too long (for example, more than a year), the bank staff will usually advise you to wait, so friends who plan to leave next year may not need to open a Canadian account in Hong Kong urgently.
HSBC
If you want to seamlessly interoperate between your Hong Kong account and your Canadian account, you must consider another popular choice, HSBC. You can instigate immigration to Canada, and you can generally open an overseas account within a few working days. After opening an account, you will receive a new debit card and a new PIN code. After arriving in Canada, you will also have to present your identity and address proof documents at the branch to formally complete the application. The advantage of HSBC overseas account is to enter the login information to link to qualified accounts in different regions, including Hong Kong accounts. It is more convenient to manage Hong Kong and Canadian accounts.
RBC Royal Bank
As for RBC Royal Bank, it provides an online pre-account opening service. Fill in the information and submit the required supporting documents on the account opening page. After the account opening application is approved, you can also remit money to the bank’s Canadian account in advance by wire transfer.
Compare immigration discounts
If you want to open an account after arriving in Canada, you must pay attention to immigration discounts and services when choosing a border bank. Since Bank of Canada generally charges a monthly fee, basically the more diversified account services, the more expensive the monthly fee. However, in order to attract immigrants, banks will provide no fewer discounts, such as waiving monthly fees for the first year or opening an account with the whole family to enjoy more rebates or monthly fee reductions, so in addition to looking at the bank brand, you may also wish to compare the bank. Immigration benefits.
Another consideration is the service. For example, not many Hong Kong people will choose TD Canada Trust because of the longer business hours. For example, it opens at 8 o’clock in the morning, some days such as Wednesday, Thursday to 8 o’clock in the evening, and 8 on Sundays. Late Saturday, is very convenient for reworkers.
As for credit cards, it should also be noted that although new immigrants can issue cards, the upper limit is stricter, usually 500 to 1,000 Canadian dollars, which is not a big problem to cope with daily consumption, but you must work harder to clear the number of cards and keep staying. The quota is convenient for consumption.
Canada is one of the most popular immigration countries for Hong Kong people. It has a beautiful environment and is an English-speaking country, so it is very popular among Hong Kong people. In recent years, Canada has launched different immigration programs to attract more immigrants. In addition to traditional skilled immigration and investment immigration, there are also self-employed immigration and start-up immigration programs, and the threshold is relatively low.
Artists can choose self-employed immigration
Canadian federal self-employed immigration does not follow the literal meaning, you can immigrate purely by self-employment. Luo Liguang, the founder of Haoqiang Immigration, said, “The definition of self-employment is to earn living expenses with one’s own technology, and people who work in the fields of culture, sports, and the arts, such as athletes, directors, filmmakers, and designers of the Hong Kong team, can contribute to Canada’s economy, culture or art.”
Although self-employed immigration may seem difficult, it is not necessarily a world-class artist to emigrate. For example, freelance reporters are all self-employed, but they have to feed in different agencies. It does not state how much money the applicant needs to make, nor does it specify the amount of investment required.
Start-up immigrants need to be creative
Start-ups are creative businesses with no specified amount. The plan is entirely focused on business creativity. If applicants have their own ideas, we will help to make the whole idea more complete.
Innovative companies such as the Internet, e-commerce, data services, new media, software, smartphone applications, new logistics, innovative products, clean energy, automation, robotic applications, etc., are all areas that start-up immigrants can consider.
Although the start-up immigrant visa program does not specify the investment amount and asset requirements, it does not mean that the project is the easiest to pass. There are too many different immigration programs in Canada and the easiest one is without words. Colleagues will ask applicants to have their resumes in order to decide which program is most suitable. The consultant fee starts at approximately 20,000 to 30,000 Canadian dollars (about 120,000 to 18 Hong Kong dollars).
IELTS high score has a number
As for the Express Entry for Canadian skilled immigration, there is a certain degree of difficulty. Canada has different types of jobs and occupations. If you meet the needs of the Canadian local labour market, you can refer to the Canadian Federal Skilled Immigration Express Entry scoring table to see if your score meets the eligibility for application.
It is not easy to leave Hong Kong and immigrate to a foreign country, especially when it comes to bringing up children, the process can be quite difficult. Huge changes in life will consume considerable physical strength and energy, but if you can prepare before immigrating, you can reduce stress and make the immigration process smoother. Pay attention to the following 6 pre-immigrant preparations to help you ease the pressure of the transition period and settle down in a new place more quickly.
1) Know your destination in detail
It is advisable to fully understand the visa requirements of the new place of residence before immigration to avoid blockages. In-depth and detailed data collection can deepen your knowledge of your new place of residence and understand what it is like to live overseas. Understanding cultural differences and their nuances is a way of psychological preparation before adapting to new foreign lifestyles. On the level of life, you might as well understand the local transportation system first, and see if you need to prepare an international driver’s license, or whether the local public transportation is enough to meet your daily needs?
In addition, the real estate market is also a link that cannot be ignored. Before emigrating, you should first find out the appropriate type of residence and understand the nearby living environment according to your own needs. Making the above preparations in advance will make the results more in line with your expectations, and it will also help you and your family to find a new home that suits you more easily. You can also check how the local healthcare system works first, and know what to do if something happens.
2) Collect all important documents
Before leaving Hong Kong, it is advisable to gather all relevant documents of each family member in a book in advance, such as passports, visas, work permits, enrollment records, medical records, adoption documents, or marriage certificates, etc. It is especially important to carry all these documents with you because the immigration process will involve a lot of information and proof. Early preparation can make your child enter a new school or help you enter a new job more smoothly. Another thing to remember is that before completing all the procedures, please make sure that all passports are still within the validity period.
3) Carry out financial planning
Before officially moving overseas, you should properly organize your finances, such as property arrangements, bank deposits and insurance, which can give you a clearer understanding of your current financial situation. This is very important when making financial decisions, applying for immigration projects, and making investments in the future. You can check the taxation policy of your new place of residence to ensure that you can still comply with all relevant regulations when arranging your migration, and find a savings plan that suits you in accordance with the regulations.
In addition, if the situation permits, you may wish to open a local bank account in advance in the process of applying for immigration to deal with the daily affairs that must be handled by the bank and avoid being charged overseas handling fees. Knowing the documents required to open a savings and checking account in advance can make your account opening process easier and faster, thereby eliminating one of the major stress factors during the immigration transition period.
4) List the people who need to be notified before leaving
Make a list of all the people and groups that need to know that you are about to leave. First, let employers know your plans so that they have plenty of time to prepare. In addition, liaising with banks and insurance institutions to ensure that all arrangements are in order so that you can move overseas smoothly. Remember to check the website of the Inland Revenue Department for the details of foreign income tax declaration or other related taxes. If you have a lease, you should notify your landlord as soon as possible to deal with relevant legal procedures and prepare relevant documents in advance. Other things that need to be dealt with include changing your email address, cancelling fitness clubs, terminating water, electricity and coal services, and monthly telephone billing plans.
5) Choose an international moving company
Carrying everything with you and taking them on the plane can be a chore. Before leaving Hong Kong, you may wish to consider hiring an international moving company, which in all aspects will help reduce the burden on your journey. Most international moving companies provide point-to-point delivery services to make the moving process easier for you and your family.
6) Plan to house your pet
If you plan to bring your pet to immigrate, it is very important to prepare in advance. Because some countries, such as Australia, have many relevant regulations in this regard, the application process can even take as long as 8 months, while in some countries, such as the United States, the application time is shorter and may only take one week. As the requirements vary from country to country, remember to collect detailed information before leaving Hong Kong, and arrange all necessary examinations, blood tests, vaccinations, treatments, and application documents that may be required such as import permits for your pets.
Before booking a flight, remember to understand the plans and guidelines of different airlines for travelling with pets. Some airlines may have additional regulations that are different from your country of immigration. If you cannot find the relevant information online, you may wish to call the relevant agency to ensure that you will not miss any details.
Canada has rapidly developed into a paradise for entrepreneurs in recent years. The reason behind this is not only because of the solid foundation of the financial industry in Canada and its rich human resources, but also because of its excellent business environment. According to Forbes, Canada is hailed as the best country in the world for businessmen to conduct business with its strong GDP growth and healthy trade balance.
About the Canadian business environment…
In Canada, the federal and provincial corporate tax rate is as low as 27%, and the personal income tax rate is as low as 12.9%, which not only reduces the financial burden of start-up entrepreneurs but also attracts talents to stay in Canada for development. According to data from the Organization for Economic Cooperation and Development (OECD), Canada has the second-highest population of 25 to 34 years old with a college degree in the world. Various favourable business conditions have attracted foreign entrepreneurs to enter Canada for gold mining, and many people have settled down to establish ideal comfort nests.
Canada Start-Up Visa — the key to help you immigrate to Canada
The Canadian Entrepreneur Visa Program (Start-Up Visa) is a pioneering residence program that opens the door to investment immigration for entrepreneurs. According to the official statement, it is not difficult for foreign entrepreneurs to obtain permanent residency. They only need to promise and successfully establish a business locally to achieve the vision of creating prosperity. In principle, it has met the immigration requirements.
Coupled with the local government’s abundant resources to support start-ups, it may be much easier than you think to embark on the path of entrepreneurial immigration in Canada! For example, there are different private sector organizations in the local area, which are responsible for providing cooperation opportunities for foreign entrepreneurs and providing financial assistance and guidance at the starting point of entrepreneurship.
Canada Start-Up Visa usually takes one year to 16 months from application to approval. However, before the visa is officially approved, applicants can also apply for a temporary work visa to prepare for the business in advance.
Canadian Start-Up Visa – What qualifications do applicants need to meet?
In order to attract foreign entrepreneurs to bring capital and employment opportunities to Canada, the Canadian government does not set special thresholds for the entrepreneur visa program. Applicants only need to meet the following four basic requirements, including:
Proficient in the local language
Applicants must prove that they meet the minimum language proficiency requirements in English or French (all abilities are CLB 5).
Proof of assets
Applicants must prove that they currently have sufficient funds to provide financial support for themselves and their family members who will settle in Canada*. Proof of required funds must meet the requirements of the Canadian Citizenship and Immigration Department, as follows:
Number of family members
Need to prove possession of assets (CAD)
1
12,669
2
15,772
3
19,390
4
23,542
5
26,701
6
30,114
7
33,528
Each subsequent family member
3,414
Note* Applicants must plan to settle in a province other than Quebec, Canada.
Passed Canadian National Defense Security and Medical Rating
As in other countries, when approving immigration status, Canadian authorities will conduct verification and investigation on the applicant’s physical condition and criminal record. Applicants are required to undergo a series of medical examinations, and also need to provide a certificate of no criminal record in their place of origin (commonly known as a good citizen certificate). The medical examination is designed to protect the safety and health of Canadian citizens as a whole and to prevent foreign immigrants from adding unnecessary burdens to the Canadian medical system and social services. As for the criminal record investigation, the applicant has no criminal record to assess the national security risk level.
Proof of business plan
Applicants must draw up a business plan that is officially recognized by Canada, that is, prove that the business plan submitted has a cooperative relationship with some local designated organizations. Applicants can choose to cooperate with single or multiple organizations and need to negotiate with each organization on their own to obtain a joint recommendation letter or joint certification document submitted to the Canadian Citizenship and Immigration Department.
In addition, applicants also need to obtain a commitment from an officially designated venture fund to inject at least 200,000 Canadian dollars and must specify that even if the fund will operate or hold other similar businesses in the future, it will still ensure that the applicant will be individually The company’s entrepreneurial plan fulfils its commitments and injects capital, which guarantees all parties.
However, if the business plan has found a local qualified “partner” but fails to obtain the fund injection, is it still eligible to apply for Start-Up Visa? To be exempt from the requirement for fund injection, applicants need to demonstrate that their entrepreneurial plan has a certain scale and ability to operate independently. According to official regulations, if the minimum total investment of a business plan reaches 75,000 Canadian dollars, it is not subject to the capital injection requirements of the designated fund.
Prove your ownership of the business
In order to prevent fraud cases, the Canadian Citizenship and Immigration Department has set up an independent review team to assess whether the applicant actually has the right to own the business. The investigation items include:
Ensure that the company has been or will be incorporated in Canada
Ensure that the ownership of the company has been verified and meets the requirements
Ensure that the local “partner” organization has considered the feasibility of the proposed business model, evaluated the company’s management team, and passed verification on intellectual property related matters
Ensure that the business focus is on products or services with high growth potential
Ensure that applicants receive support from the entrepreneurship incubation program
The independent review team can initiate an investigation at the request of the immigration officer, or it can conduct it randomly
Challenges you may face when starting a business in Canada…
Entrepreneurship is very exciting. However, there may be many cumbersome things in the process, such as obtaining commercial land licenses, property registration, handling wind, fire, water and electricity, etc. Every step may be discouraging.
By the same token, entrepreneurs often encounter difficulties in understanding provincial laws, such as issues as small as labelling and packaging requirements, which have the opportunity to become complicated by transactions across provincial borders.
The cumbersome legal procedures and court procedures for handling cases sometimes make it difficult to enforce contracts, and many legal documents in Canada need to be bilingually formulated in English and French, which makes it difficult for foreigners to handle documents on their own.
Canadian government support for start-ups
Fortunately, the Canadian government provides start-ups with a lot of entrepreneurial resources, including software and hardware, as well as financial assistance, making the complicated entrepreneurial process easier.
The Immigrant Investor Venture Capital Pilot Program (The Immigrant Investor Venture Capital Pilot Program) is a support program that cooperates with Start-Up Visa. Through this plan, potential entrepreneurs can obtain financial support through officially designated organizations, expand their business to Canada, and even immigrate to Canada as self-employed people to settle in Canada.
Starting a business in Canada is easier than you think.
For anyone, the road to entrepreneurship is always full of challenges, and new immigrants who have just moved to Canada sometimes face special difficulties. The following three tips will help you successfully start a business.
1. Build your credit score
Just moving to Canada means that you may not have the credit history required to apply for a corporate loan from the bank. The easy way is to apply for a credit card and use it in a responsible manner.
2. Know local customers
No matter where you start a business, you need to understand your target customers, their shopping preferences and shopping methods. You can learn more about the local market through volunteer organizations, business associations, or religious venues.
3. Start to build a network
For new entrepreneurs, the network is very important. You can meet and establish contacts with people from all walks of life in companies, institutions and associations in your cultural community, and you can also expand your network in local chambers of commerce.
Prepare for success
One last tip: You must prepare sufficient funds to cover your personal expenses before the business has yet to generate profits (based on experience, you should have at least six months of capital reserves).
The Canadian government’s job preparation page provides various resources to assist you in finding a job in your area, conducting qualification assessments, enrolling in language courses, and obtaining new immigrant services.
Before starting a business, answer the following three questions.
Entrepreneurship is a meaningful experience. But not everyone is suitable for entrepreneurship. It is important to think about whether your personality is suitable for meeting entrepreneurial opportunities and facing challenges.
First, try to conduct an online entrepreneurial self-assessment to see if you are suitable for entrepreneurship.
Then, ask yourself the following three important questions.
1. Do you have an original idea?
If you have innovative ideas, you need to know whether you need intellectual property protection to avoid others’ plagiarism.
If the company’s product or service is not original, it must consider how it can stand out in the market.
2. How will you earn income?
It is very important to think about the target market and source of income. Consider the following four questions:
Who are your target customers?
How much is the target customer willing to pay?
How will the company’s products or services be launched on the market?
Is your product or service research and development, production, packaging, marketing, and distribution plan to be done alone or in cooperation with other companies?
3. What resources are needed?
Then consider the required resources. You should consider the number of recruits, the timetable for entering the market, and one-time and recurring costs. You must also consider operating costs, such as rent, office supplies, and insurance.
Then, determine the expected income for the first year. Make this estimate based on market size, industry trends, and expected market share.
In the past, Hong Kong people immigrated to foreign countries mainly through technology, education, investment immigration, etc. With the rising trend of innovation and technology, Canada, Australia and the United Kingdom have successively issued exclusive immigration visas for entrepreneurs or innovation and technology people to attract them to settle down. In recent years, guests’ enquiries about entrepreneurial immigration accounted for about 20% of the total enquiries, which is still inferior to traditional technology and investment immigration.
For the current immigrant visas related to innovation and technology or entrepreneurship, including Canada’s Start-Up Visa, the applicant has prepared a business plan and obtained a letter of support from a government-designated agency to apply. Those who are granted a visa can reside permanently in the local area. In addition, Vancouver, British Columbia and Toronto, Ontario have their own measures to recruit global innovation and technology talents, making them the first choice for many local innovation and technology immigrants.
From time to time, we will see some people in some adoption groups who want to give up fur children because of immigration, but they are part of our family. How can we give up and give up? In fact, pet immigration is now a popular thing. Regardless of whether we choose our services or not, we hope that the owners will not have any reason to abandon them after choosing them. If there are some questions about pet immigration due to the need for immigration, we are absolutely happy to answer and assist you in formulating a set of plans, so that you can continue to start a new life with your pet in the field.
Are you thinking about life in the United States? Whether it is to work in the United States, study abroad, settle down or pursue a dream, one of the indispensable preparations is to need a local bank account.
Many people say that opening a bank account in the United States is not an easy task, mainly because of strict local regulations to prevent money laundering. However, as long as you are willing to pay a little time and patience, you can still apply successfully. The following will provide information on opening an account with Bank of America and recommend more favorable remittance strategies.
Can a foreigner open an account in a U.S. bank?
Foreigners only need to meet the requirements of U.S. banks to open an account with U.S. banks, including providing valid identification documents and address proof, as well as depositing a minimum deposit.
Documents required for bank account opening
Many netizens have tried to successfully open an account with different file combinations. This article will provide a more comprehensive account opening file preparation lazy package.
In terms of providing identification documents, generally, the supporting documents required by banks are as follows:
Passport
Second certificate (prepare one of the following)
National ID card (for example Hong Kong ID card)
Home country driver’s license (some banks will accept)
American student ID (if applicable)
U.S. company employee certificate (if applicable)
Immigration certificate (if applicable)
Social Security Number SSN (required by some banks)
In terms of providing address proof documents, the proof documents generally required by banks are as follows:
Proof of home country address (required by some banks) (prepare one of the following)
Bank monthly statement (you can ask the bank to handle it in English)
Taxpayer identification number ITIN approval letter (the letter sent to Hong Kong will show the Hong Kong address)
Proof of US address (required by most banks) (prepare one of the following)
Recent utility bills (gas, electricity, water or fixed-line telephone)
Lease
Recent credit card or bank statement
Taxpayer identification number ITIN (some banks will accept)
As always, the best case is to provide the above-mentioned documents, but if you have just arrived in the United States or are planning to travel to the United States, you may not be able to provide the relevant address proof. But don’t be discouraged, there are some methods you can refer to:
If you are going to study in the United States, you can try to seek assistance from the institution where you are enrolled, and provide a confirmation letter about your residential address. Many banks will accept it.
If you are going to work in the United States, please note that the bank may not accept the employer letter as proof of address. In this case, many successful cases will first go to the bank in Chinatown to ask them what other documents can be used as proof of address.
As long as you successfully open your first U.S. account, if you need to open an additional bank account, you only need to use the bank statement as proof of address after the period, which is very convenient.
Bank of America account opening process
Online or branch appointment time (you can also queue up directly at the branch)
Prepare the required documents and go to the branch to go through the formalities
Fill in the application form required by the bank (including the W8BEN form)
Account opening deposit (the amount depends on the bank, cash or cheque can be used)
Complete application
The bank card and password letter will be sent separately
Can I open a bank account before arriving in the United States?
The answer is yes. If your main correspondent bank has a U.S. bank branch, as long as the bank meets the relevant requirements, they can open an overseas account / global account for you, which is exactly in line with the needs of non-U.S. residents. In the absence of valid address proof, it is definitely a good choice. Currently, HSBC and Citibank both provide global accounts.
How to send money to the U.S.?
The following table compares the cost of sending USD 1,000 online to a U.S. bank account through different channels:
Money Transfer
Merchant Handling Fee
Exchange Rate*
Payment Amount
HK$50 + overseas bank charges ¹
1 USD = 7.80010 HKD ²
HK$7,850.1 + overseas bank charges
HK$65 + overseas bank charges ³
1 USD = 7.78500 HKD ⁴
HK$7,850 + overseas bank charges
HK$65 + overseas bank charges ⁵
1 USD = 7.78425 HKD ⁶
HK$7,849.25 + overseas bank charges
Generally speaking, it is recommended to remit money through online banking, as the handling fee is relatively cheaper than that of branches. Want to save more? You can consider using TransferWise’s online remittance service, which only requires a small fee, and you can complete the remittance at the market exchange rate found by Google. In the above example, the total cost difference between using TransferWise and using a bank to transfer 1,000 US dollars can be as high as HK$36.83-HK$37.68.
U.S. Bank Account Classification
Banks in the United States can generally provide a variety of accounts for account holders to choose from. Among them, there are two main types of bank accounts commonly used by new immigrants and international students, checking accounts and savings accounts.
Checking Account: directly linked to the debit card (Debit Card), the general purpose is to deposit and withdraw cash, write checks, pay credit cards, transfer money, and swipe card consumption, etc.
Savings Account: equivalent to demand deposits, this type of account can earn interest. Unlike other countries, if there are only savings accounts and no checking accounts, there will be no debit cards, and most banks have different restrictions on savings accounts, such as the number of deposits and withdrawals within a month. The main use is for savings.
Most of the new immigrants will open the above two types of accounts, put the funds used daily in checking accounts, and put the funds used infrequently in savings accounts. The following will mainly introduce the checking accounts that are used daily.
U.S. Common Bank
JPMorgan Chase Bank
Chase Bank is the largest bank in the United States, with more than 4,900 branches and 16,000 ATM points across the United States. Chase Bank provides the following accounts⁷:
Account Type
Monthly Fee
Waiver of Monthly Fee
Features
Chase Total Checking
US$12
Set as monthly account (salary, social welfare) and directly deposit more than 500 US dollars; or
The checking account balance is more than US$1,500; or
Account balance is higher than US$5,000.
Suitable for people with low deposits. You can use general banking services, such as online bill payment and direct cheque deposit via mobile phone (QuickDeposit)
Chase Premier Plus Checking
US$25
Account balance is higher than USD 15,000
Free counter service, check processing service and earn interest
Chase Sapphire Checking
US$25
Account balance is higher than USD 75,000
Free wire transfer fee, global ATM withdrawal fee free, 24/7 phone banking service, personalized check
The above accounts all provide Visa debit card, online and mobile banking services. For details, please check with Chase Bank.
Bank of America
One of the oldest banks in the United States, with approximately 5,600 branches in more than 150 countries around the world, branches and 16,200 ATM points in 34 states across the United States. Bank of America offers the following account types⁸:
Account type
Minimum account opening amount⁹
Monthly fee
Waiver of monthly fee
Features
Advantage SafeBalance
US$25
US$4.95
For students under 24; or
Eligible for the selected rewards program
No overdraft fees, no cheques, no interest earned
Advantage Plus
US$100
US$12
For students under 24; or
Eligible for the selected reward program; or
Set up a monthly account (salary, social benefits) and directly deposit more than US$250; or
Maintain a balance of more than US$1,500
All U.S. Bank accounts have a total balance of more than US$10,000; or
Eligible for the selected reward plan
Earning interest and support overdraft service
All of the above accounts provide debit cards, support for mobile phones and online banking. You can get different banking service benefits if you meet the selected reward plan. For details, please check with Bank of America.
Wells Fargo
Wells Fargo Bank is the most widely distributed and branched bank in the United States, with more than 6,200 branches in 39 states across the United States. Wells Fargo provides the following account types¹⁰:
Account Type
Monthly Fee
Waiver of Monthly Fee
Features
Everyday Checking
US$10
Debit card for more than 10 transactions; or
Set up a monthly account (salary, social welfare) and directly deposit more than 500 US dollars; or
Account balance is greater than US$1,500; or
The age of the account holder is between 17 and 24 years old; or
Campus Debit Card Plan (for college students)
Suitable for students or people with low deposits
Preferred Checking
US$15
Deposit balance is greater than US$10,000; or
Set up a monthly account (credit, salary, social welfare) and directly deposit more than $1,000.
Suitable for people with higher deposits, earn interest and use free counter services
Portfolio by Wells Fargo
US$30
Cooperative bank deposit balance with Wells Fargo Bank is higher than US$25,000; or
The comprehensive balance of partner institutions with Wells Fargo Bank is higher than US$50,000.
Suitable for people with premium banking services, earn interest, enjoy free counter services, cross-bank withdrawal services, and other loan discountsAccount Type Monthly Fee Waiver of Monthly Fee Requirements Features
The above bank account opening requires a deposit of US$25 for the first deposit, Visa debit card, support for online and mobile banking services, please contact Wells Fargo Bank for details.
TransferWise account without borders
Traditional bank accounts are generally limited to be used in only one country. In handling remittances, in addition to charging the remitter and the beneficiary for handling fees, it will also make a difference in the exchange rate and increase the cost of remittance. If you plan to move to the United States and need to transfer funds between the two places, you may wish to consider the TransferWise Borderless Account, which has the following characteristics:
Comprehensive currency account, which can hold more than 50 currencies, including Euro, U.S. dollar and Hong Kong dollar
US users can apply for a debit card, free of annual fees and account management fees
When using a debit card to make purchases, the currency will be converted automatically at the market exchange rate, and only a small conversion fee will be charged, ranging between 0.35% and 2%
Free withdrawal of 200 GBP equivalent foreign currency every month
Have personal account information that can receive GBP, EUR, USD and Australian dollars, etc., which can be used for payment or collection
Precautions for U.S. Bank Accounts
Minimum deposit
In addition to students, even if the minimum deposit is not met, there are other ways to open an account, but in most cases, a certain monthly fee (depending on the bank) will be charged. It is recommended that you understand clearly before opening an account and choose the one that suits you best Plan.
Remittance fee
Generally, using banks for overseas remittances will charge a certain fee. For example, Chase Bank will charge US$5 (foreign currency wire transfer) or US$40 (US dollar wire transfer) ¹¹ for online wire transfers, while Wells Fargo will charge a fee of US$30 for wire transfers¹².
The above provides an overview of Bank of America before opening an account. As long as you make sufficient preparations, you will be able to handle the procedures in a handy manner. After opening a U.S. bank account, if you want to save handling fees and costs when transferring funds, remit in U.S. dollars at the market exchange rate.
Source:
HSBC Bank: Introduction to Banking Service Fees for HSBC Retail Banking and Wealth Management Customers
HSBC Bank: Exchange rate conversion
Hang Seng Bank: Frequently Asked Questions about Remittance
Hang Seng Bank: Foreign currency exchange rate
Bank of China: Online Remittance
Bank of China: List prices of various currencies against Hong Kong dollar wire transfers
JP Morgan Chase Bank: Chase Checking Accounts
Bank of America: Bank of America Advantage Banking
Bank of America: Personal Schedules of Fee
Wells Fargo Bank: Compare Checking Accounts
JP Morgan Chase Bank: Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement
Pet passports are generally the same documents that people need to carry out when entering the country. All documents entering other countries will include veterinary injections, blood draws, and pet physical examinations. The meaning of the name of dog care is the certificate after the veterinary inspection, and it is also It is necessary to cooperate with all the veterinary documents required for the dog passport to enter the country. In fact, it is all the animal quarantine certificates inspected by the veterinarian. In Hong Kong, our travel agency is referred to as the pet passport. Generally, the application for a dog passport will involve vaccinations, blood draws, and physical fitness. Check etc.
We will proceed in accordance with the regulations of the country. Generally, it takes three to nine months to prepare for moving to a foreign country or travelling with a pet. Especially, it is easier to prepare an EU pet passport because the requirements of EU countries are not high. Moreover, in EU countries, they all regard pets as life-long companions of human beings, so the general injections and physical examinations in Hong Kong are already eligible to apply for EU pet passports.
Veterinarian giving an injection to a cat on the surgical table, pet healthcare concept.
On November 12th, Canada announced a new immigration plan to provide Hong Kong students and youth with new open work permits and student permits, and to broaden their access to permanent residency in order to attract them to immigrate To Canada. The plan is based on the Canadian Immigration Plan 2021-2023, which aims to encourage Hong Kong graduates and Hong Kong youth with work experience to choose Canada as a place to study, work and live.
Open Work Permit
This program is designed for Hong Kong residents who have completed secondary school in Canada or overseas in the past 5 years, providing them with a work permit for up to 3 years. Eligible spouses, common-law partners and dependent children can also apply for study or work permits as appropriate. This plan is expected to be launched in 2021.
This three-year work permit will allow Hong Kong youths to work in Canada and expand their chances of obtaining permanent residency in Canada.
Study Permit
The government will also expedite the application of study permits for Hong Kong young people who intend to study in Canada. The Minister of Immigration Mendicino announced that qualified Hong Kong youths will be granted a special permanent residence application after completing their studies in Canada.
Key Things to Know about Canadian Business Immigration and Immigration Funds
In terms of job creation, immigrant entrepreneurs play an important role in Canada, and the Canadian government also welcomes entrepreneurs to immigrate. In addition, under the economic impact of the epidemic, immigration programs have also become the key to economic recovery. We have compiled some common questions about Canadian business immigration for small and medium-sized enterprises. Read the full text below to understand the matters needing attention in business immigration!
With low life pressure and a beautiful environment, Canada has always been an immigration destination for Hong Kong people. Recently, Canada stated that it will introduce a new policy. Hong Kong citizens who have graduated from colleges in the past five years can apply for a three-year Canadian work visa, making it easier to apply for permanent residence. The Minister of Immigration, Refugees and Citizenship of Canada, Marco Mendicino, announced that the authorities will introduce a number of convenient measures, including the provision of new work visas, and relaxation of the channels for Hong Kong residents to obtain permanent residence, aiming to use young and highly educated people as Target, attract Hong Kong people to develop locally.
Relaxation of work visas and student visas, new ways to apply for permanent residents
The Canadian authorities plan to launch a permanent residency path for Hong Kong people who have graduated from colleges in the past five years next year. The tentative application requirements are one year of Canadian work experience, academic qualifications and language proficiency requirements. The authorities also stated that more Hong Kong people have applied to study in Canada this year. In the future, it will speed up the processing of student visa applications for Hong Kong students and provide them with a special way to apply for permanent residence.
Generally speaking, it is best to apply for a student visa before the age of 35. Applicants need to study full-time in Canadian higher education for two years and can receive a work visa for up to three years after graduation. After working in Canada for 1 to 2 years, you can apply for the Canada Experience Class Program (Canada Experience Class Program) to obtain permanent residency status.
▲Canada announces the launch of new work visas, and relaxes the channels for Hong Kong people to obtain permanent residence, and attracts young and highly educated people to the local area for development.
In addition, the relevant departments will also expedite the processing of applications for permanent residence by Hong Kong people, including applications for spouses, partners and children to reunite in Canada, etc., to encourage Hong Kong people to study or work in Canada. As for Hong Kong residents who are currently applying for temporary residency in Canada to extend their stay, they will be temporarily exempted from the application fee.
Immigrate to Canada through the Provincial Nominee Program
In fact, Canada also has the “Provincial Nominee Program” (PNP). As long as you study and work there, you can apply for permanent resident status through this program. Take the 80 Hougang father Akon as an example. He believes that education in Manitoba is easier and that children can study in a stress-free environment. Therefore, three years ago he planned to immigrate with his family to Manitoba, the eighth-largest city in Canada. City of Winnipeg (Winnipeg). Taking into account school and work, it took Akon and his family about three years before and after to obtain permanent resident status, which cost more than one hundred thousand Hong Kong dollars.
The Provincial Nominee Program is one of the categories of Canadian economic immigration, allowing provinces and territories to nominate permanent resident qualifications for those who intend to immigrate to the local area. The Manitoba Provincial Nomination Program uses a scoring system with a maximum score of 1,000 points. Among them, the more extra points are: 21 to 45 years old can get 75 points, 4 years or more of work experience can get 75 points (locally recognized Additional 100 points for qualifications), 110 points for bachelor degree, 200 points for local relatives, etc. And the most bonus project is to work locally and get 500 points for 6 months. The minimum threshold for provincial nomination is about 400 points. In other words, 500 points are enough. With other factors such as age and English ability, it is basically easy to qualify for provincial nomination.
If you want to obtain a visa abroad, the authorities may ask you to provide a police clearance certificate. In Hong Kong, you can apply for a certificate of non-criminal record (CNCC) from the Hong Kong Police Force. But what exactly is it? how to apply? Here are 10 frequently asked questions about the certificate of no criminal record.
1. What is a non-criminal record certificate (CNCC)?
As its name suggests, the Certificate of No Criminal Record (CNCC), also commonly known as the Good People’s Certificate, is a criminal certificate proving that the person has not been convicted. Criminal record, which is an important part of obtaining visa approval, is also one of the background check documents of relevant consulates, immigration authorities and the government.
2. Who must apply for a Certificate of No Criminal Record (CNCC)?
For those who wish to study abroad or immigrate, a good citizen certificate is usually used as part of the visa application process. It must be noted that, according to the specific requirements of different countries, applicants who have been living in Hong Kong for the past ten years usually only need to provide a Hong Kong criminal record certificate. However, if the applicant has lived in other countries for a long period of time in 10 years, he may also need to apply for a certificate of no criminal record from the relevant departments of these countries. Since the good citizen certificate is used as an important index document for the background investigation, those who wish to adopt a child also need to apply for the good citizen certificate during the application process.
3. Who can/cannot apply for a certificate of non-criminal record (CNCC)?
Not everyone is eligible to apply for a certificate of no criminal record. In order to prevent the certificate from being abused, only those who hold an invitation letter issued by the consulate, immigration or government authority are eligible to apply.
4. Where can I apply?
To apply for a good citizen certificate, first, download the application form for the Certificate of No Criminal Record from the website of the Hong Kong Police Force, gather all relevant documents, and then go to the Office of the Certificate of No Criminal Record in Wan Chai to make an appointment in person.
Address: 14th Floor, Arsenal Building, Police Headquarters, No. 1 Arsenal Street, Wan Chai, Hong Kong
The application process is very simple, you only need to gather the required documents and mail them to the Office of No Criminal Record. After the person in charge receives the complete application documents and application fees, the Hong Kong Police Department will search for the applicant’s criminal conviction record data. If no criminal conviction record is found, the Office of No Criminal Record Certificate will directly send the certificate to the corresponding Consulate, immigration or government agency. The applicant will not receive a copy of the certificate to avoid improper handling. However, if a criminal conviction record is found, the applicant, the relevant consulate and the immigration bureau or government authority will receive a letter stating that the certificate cannot be issued due to the listed conviction record.
6. How long does it take to apply?
Regardless of whether a criminal conviction record is found, the entire application process takes less than 4 weeks.
7. What documents do you need to submit?
Applicants must bring the following application documents:
The applicant’s Hong Kong Identity Card (if Hong Kong resident) or original valid travel document
Original and photocopy of the letter issued by the relevant consulate/immigration bureau/government department (one photocopy for each applicant). The letter must contain the name of the applicant and clearly state that the consulate/immigration/government department requires the applicant’s certificate of no criminal record for approval purposes; and the mailing address of the consulate/immigration/government department Receive application results sent directly to the office by registered mail from this office.
Handling fee
8. How much is the application fee?
The application fee is HK$250 per person. Payment can be made by cash, Octopus card, EPS or cheque. If paying by cheque, please cross the cheque and specify “The Government of the Hong Kong Special Administrative Region” as the payee.
9. How long is the validity period?
A good citizen certificate is a background check during your stay in Hong Kong. So there is no reference to timeliness or expiration dates. In fact, the certificate itself only specifies the date of issuance as a reference for that time period. On the contrary, you may need to refer to the specific requirements of the applying country/region, because if you have not stayed in Hong Kong for a period of time, you may not need a good citizen certificate issued by Hong Kong.
10. How do I apply from overseas?
If it is not convenient to go to the office to process the application in person, you can also mail the information to the Non-criminal Certificate Office (full mailing address below) to submit the application, or arrange for an agent to submit the application for you, or put the application documents in the file collection box on the first floor of the office. The agent does not need a letter of authorization.
Since the application procedure for an in-person meeting includes fingerprint collection, applications sent from abroad must include a full set of original fingerprints taken and authenticated by the local police, law enforcement agency, or the consulate where you live. Please check and make sure that the document contains the name of the person performing the fingerprint identification, the full name of the police station and the official stamp, the law enforcement agency or the consulate with the fingerprint certificate, and the location and date of fingerprint collection.
If the application is in a language other than Chinese or English, the document must be accompanied by an official certificate in Chinese or English certified by the issuing agency or authorized translation service agency.
Mailing address:
14th Floor, Arsenal Building, Police Headquarters, 1 Arsenal Street, Wan Chai, Hong Kong
Canada just announced that it will introduce a new immigration policy. Among them, young people in Hong Kong who have graduated from colleges in the past 5 years can apply to work locally for up to 3 years, and can even apply for permanent residence. The new measures will take effect in 2021. For Hong Kong people to immigrate to foreign countries, starting a business may be one of the options, and there are many industries in Canada that are suitable for Hong Kong people to start a business.
(1) Convenience store / small supermarket
Convenience stores in Canada generally adopt franchise forms, such as 7-Eleven and Hasty Market, which are familiar to Hong Kong people. This saves the trouble of advertising, ordering and delivery, and allows the boss to focus on business management. Of course, you need to pay management fees to join a brand, and the head office will earn the difference on the goods. The advantage of the convenience store is that the management is relatively simple, as long as you choose the right location. The downside is to guard the shops, because Canada’s wages are higher, and the recruitment of manpower will increase expenses. Therefore, most owners will guard the shops themselves to save money.
(2) Import and export trade
There are many special products in Canada, such as ice wine, agricultural products, cosmetics, etc. These products have been sought after by Hong Kong consumers. The Canadian government also values the import and export industry. They hope to sell Canadian products overseas. At the same time, the cost of investing in an import and export trading company is lower than other businesses. The main sources of cost are warehouse and inventory. If entrepreneurs already have relatively mature sales channels in Hong Kong and can contact Canadian manufacturers, the profits of this kind of business will be considerable.
(3) Car beauty and maintenance
There are a lot of cars in Canada, and basically, every family has at least one car. The local car repair industry has at least twice a year of “changing wheels”. Most cars will be replaced with snow tires before winter, and all-season tires in summer. But the reality is that there are too few merchants on the market that provide car repair and beauty services. If you go to large stores such as Costco or Canadian Tire to change tires, you basically have to make an appointment one month earlier each time. Canada’s demand for auto repair business is equally great. If Hong Kong people have the knowledge and skills related to auto repair, this industry may be a good choice for entrepreneurship.
If you do not want to start a business, there are also many industries in Canada where there is a shortage of talents. The National Occupational Classification (NOC) established by the local government divides different occupations into different levels. According to the figures in September 2020, the managerial jobs are in greatest demand in Canada, such as restaurant managers, mine managers and fishing boat captains.
The Canadian government has always been committed to reuniting its citizens with loved ones and family members. Therefore, it provides different types of immigrant visa programs so that citizens can sponsor their spouses and relatives to move there. In addition, Canada is the country with the easiest immigrant visa application process in the world, which also explains why so many Hong Kong people choose Canada as their immigration destination.
As a permanent resident or citizen of Canada, you can apply for an immigrant visa for your spouse or eligible family member who intends to immigrate to Canada. The Canadian dependant visa included in the Family Reunion Immigration Program is one of the appropriate options. Canadian dependant visas provide a convenient channel for adult permanent residents or citizens to apply for immigration to Canada for their relatives, dependent children and spouses so that they can be reunited in Canada as a family.
Application Procedures
If you intend to become a guarantor for a Canadian dependant visa, you must first be a permanent resident or citizen of Canada. Once you become a permanent resident of Canada, you basically have the same rights and obligations as a Canadian citizen. As long as you have lived in Canada for at least 2 years within 5 years, you can retain your permanent resident status indefinitely. If you have lived in Canada for 3 years, you can even apply for citizenship. In addition, because the Canadian government recognizes dual citizenship status, you do not need to give up your current passport.
Sponsored spouse or common-law partner
Compared with other Canadian immigration projects, the spouse immigration project is relatively simple. Whether your significant other lives overseas or currently live in Canada on a temporary residence visa, you can apply for a spouse visa as a sponsor to obtain permanent resident status. The visa approval time for Canadian adopters is about 12 months, which is much faster than other Canadian immigration projects. If the applicant currently lives in Canada, he will have a better chance of qualifying for a work permit, which will undoubtedly reduce the financial burden on the couple.
Even though the immigrant sponsored visa application is still in progress, both the spouse visa and the spouse work permit give the sponsored party the right to work in Canada. The Canadian government recognizes a de facto marriage relationship, which means that even though you and your partner are not yet married, as long as you live together for at least 12 months, the party who is a permanent resident or citizen of Canada can still sponsor your partner.
Sponsor children or other dependent children
If you are planning to immigrate to Canada, your children can apply for permanent resident status together in the name of accompanying family members. However, if you do not choose to do so for some reason, they can also come to Canada to reunite with you by applying for a child sponsorship program. This plan allows Canadian permanent residents and citizens to apply for permanent resident status as a sponsor for their dependent children. Please note that the plan stipulates that dependent children must be 21 years old or younger, unmarried, and have no children.
Sponsor parents or grandparents
Canadian permanent residents and citizens can sponsor their parents and grandparents to apply for a reunion in Canada through the Parent and Grandparent Sponsorship Program. Canadian permanent residents or citizens interested in this program must meet the minimum income requirements set by the authorities on the basis of the number of family members to prove that they have sufficient financial capacity to meet daily expenses. If the guarantor fails to make a permanent guaranty, his parents or grandparents can also apply for a super visa. The Super Visa is a long-term visa that allows the holder to enter Canada multiple times. It is applicable to the parents and grandparents of permanent residents and citizens of Canada.
Eligibility
If you are planning to apply for a family reunion visa, you must ensure that all applicants meet the relevant qualifications.
First, the family reunion visa applicant must have one of the following relationships with a Canadian citizen or permanent resident:
Dependent children
Parents
Grandparents
Spouse, de facto marriage partner or husband and wife relationship partner
Siblings, nephews, nieces or grandchildren or granddaughters who are under 17 years old, unmarried and both parents have died
Nevertheless, there are various definitions of eligible applicants, and every detail has a significant impact on the application, which requires special attention.
How to define a spouse or partner
Spouse: legally married in the country of origin and in compliance with Canadian laws
Marital relationship partner: Have a relationship of at least 12 months, but are prohibited from cohabiting due to religious reasons, immigration barriers, sexual orientation, or marital status (for example, one of them is legally married to a person from a country where divorce is impossible)
De facto marriage: Have an uninterrupted cohabitation relationship for at least 12 months
Homosexual relationships will also be defined in accordance with the above categories, and they will all be regarded as valid immigration applications.
How to define dependent children
The guarantor, the common-law partner of the guarantor, or the single child of the spouse who is 21 years old or younger are all defined as dependent children. If children need to be financially dependent on their parents at the age of 21 or before and are not financially self-sufficient due to physical or psychological conditions, they will be regarded as dependent children even if they are 22 years of age or older.
Although the custody of the children belongs to the former spouse, they will still be regarded as dependent children. However, they must clearly state their relationship when applying for a family reunion visa. In addition, if the dependent children being sponsored also have at least one dependent child themselves, the guarantor must prove that they have sufficient financial capacity to meet the minimum income requirement.
Who can be a guarantor
Any permanent resident or citizen living in Canada can act as a guarantor (Canadian citizens currently living overseas can also act as guarantors as long as they plan to return to the place for permanent residence after their relatives arrive in Canada.)
There are many restrictions in the sponsored visa program. In the following situations, you may not be able to become a sponsor:
Imprisoned
Repatriation order issued
Going through bankruptcy
Have committed, attempted or threatened to commit a crime related to violence or sex and have been convicted
Are receiving social assistance from the government (except for disabilities)
Failure to pay child support
Failure to repay immigration loan
Sponsored a relative who was not eligible to apply for an immigrant visa
Sponsored a former spouse or partner who has been a non-permanent resident for more than 3 years
Have sponsored yourself and have been a permanent resident for less than 5 years
Required documentation
If you intend to sponsor your family to apply for a dependant visa, you need to submit a complete document to the Immigration, Refugees and Citizenship Canada (IRCC) to prove your financial status in the past 12 months to determine whether you have sufficient financial capacity to meet the applicant Of living expenses.
The Department of Immigration, Refugees and Citizenship of Canada (IRCC) announced that from October 24, 2017, the main applicant for a dependant visa can add their unmarried and not cohabiting children 21 years of age or younger to their immigration application.
The sponsored party must attach a medical report when submitting the application, while applicants from Africa, Europe and the Middle East need to submit additional biometric data.
In addition, the applicant and any relatives over 18 years of age must submit a criminal record certificate from the country of origin, living for a long time, or country where they have lived for more than 6 months.
Finally, if the applicant intends to move to Quebec, in addition to meeting the above-mentioned conditions required by the federal government, the Quebec authorities may have other requirements. For example, a potential guarantor living in Quebec must submit a special agreement to the Quebec government after submitting an application.
Required cost
The Canadian government will charge family reunion visa applicants for handling fees and sponsorship fees, and each sponsored relative must also pay for permanent residency fees. This fee does not apply to dependent children. If your guarantee is rejected or cancelled, the permanent residency fee is the only refundable item.
Veterinarian giving an injection to a cat on the surgical table, pet healthcare concept.
