Physical examination knowledge of new immigrants in Canada
Canadian immigration medical report and X-ray photos are the property of Canadian immigration medical institutions and cannot be returned to the medical examiner. The medical examiner can't tell the results of the medical examination, but he will tell whether there are any health problems in the medical examination. The medical examiner has no right to make a final decision, and whether or not to pass the medical examination is decided by the immigration bureau. If the medical examination is unqualified, the immigration bureau will notify the medical examiner in writing. The following materials must be brought during the physical examination:
1, health certificate or/and passport;
2. 3 2-inch passport photos per person;
3. Physical examination form.
The whole family should try to find a designated physical examination doctor for a physical examination. If not, for example, if the child is abroad, contact the designated physical examination engineer, inform the child that he is abroad, and prepare to arrange a local physical examination for him. Then send the child a physical examination form with the address of the nearest designated doctor (this address can be obtained from the embassy), and be sure to write the name of the main applicant in the column of "the name of the head of the household". After the child arranges the physical examination by himself, he should inform the doctor to send the physical examination results to the doctor who accepts the physical examination of the main applicant.
The physical examination report shows whether the applicant's family needs hospitalization and other medical care after emigrating to Canada, or whether the work and labor ability will be affected, thus bringing a burden to the Canadian government. No one with physical or mental illness can enter Canada. Physical examination includes routine physical examination of the whole family, chest X-ray examination of people over 1 11,blood examination (VDRL) of people over 15, and so on. Validity of physical examination: 1 year, counting from the beginning of the exam.
Article 2 Matters needing attention in housing loans for Canadian immigrants
Before obtaining permanent resident status in Canada, immigrant friends can apply for a mortgage loan from the bank to buy a house in Canada, and the interest rate is the same as that of local residents. First, the buyer needs to open a fully functional bank account in Canada to pay the monthly payment. It is difficult for non-Canadian residents who have never been to Canada and have not opened a full-featured account to apply for real estate loans. Accordingly, buyers can solve this problem by opening a valid account during their travel in Canada or opening a joint account with relatives and friends who have accounts in Canada.
Second, buyers can't have bad credit records in Canada. Non-residents can have no credit record in Canada, but they can't have bad records. Whether you are a Canadian resident or not, you should keep good habits, pay your credit card bills on time and pay all kinds of utility fees.
Third, buyers need to have enough down payment. Non-Canadian residents can apply for mortgage loans in some financial institutions in Canada, but the down payment ratio is usually relatively high. Non-residents with income can apply for loans of 90% of the house price, and non-residents without income can apply for loans of up to 65% of the house price.
Fourth, buyers can authorize their relatives or friends in Canada to complete mortgage loans on their behalf. When entrusting a third party to deliver real estate, the purchaser must sign a power of attorney under the witness of a lawyer. In this case, banks usually have strict requirements on transaction details.
Further reading: tax knowledge of Canadian immigrant life
To immigrate to Canada, we should not only understand Canada's eating habits and customs, but also understand Canada's immigration advantages. Don't forget to learn about the tax knowledge of living in the local area.
Interest tax exemption: If you borrow and invest, including earning income through business and property and investing in the stock market, you can get tax exemption for loan interest. Investment-related expenses can also be declared, including management fees, bank custody fees and accounting fees for recording investment income.
Moving expenses: If you need to move because of changing jobs, including students returning to their hometown to work in summer vacation, and the distance is more than 40 kilometers, and the employer does not bear the expenses, you can declare that the moving expenses are reduced or exempted.
Quota transfer: after an individual can declare tax reduction or exemption, if there is still a surplus in the amount of tax reduction or exemption, he can transfer the surplus to his spouse's name, and can transfer charitable donations, tuition fees, education fees, pension annuities, tax concessions for the disabled, etc.
Child care expenses: If you need child care for work, business, study or research, you can declare tax relief for child care expenses. Usually, such tax benefits must be declared by low-income spouses.
Self-employment discount: If you are self-employed, you should declare tax relief for all business-related expenses, including car expenses, parking fees, business activities, home office expenses, entertainment and conference expenses, mobile phone bills, computer depreciation, assistant salaries, etc.
Charitable donations: If you are married, you can combine charitable donations and declare them on the higher income side. In addition, charitable donations for several years (up to five years) can also be declared together to obtain higher tax allowance.