【加拿大移民】2020年加拿大魁省投资移民政策走势分析&文案技巧

Original 移民部Carol Joymay加乐美出国 2023-08-19

加拿大商业移民项目种类颇多，在2014年联邦投资移民关停后，魁省投资移民就成为最受欢迎的移民项目（没有之一）。原因是魁省对于申请人没有英语要求，申请通过才打款，也是加拿大唯一只需被动投资（无需创业经营）的项目，并且是一步到位拿到枫叶卡。对比其他省份的企业家移民政策，不仅有雅思最低分的要求，并且基本都采取了先给工签后转永居的模式。

2019年10月30日，加拿大魁省移民局如期举行了会议，其中对魁北克移民法关于2019-2020年投资者计划申请管理的决定做出了最新报告：

2019-2020年投资计划

1、暂停接收投资者计划下的甄选申请

2、本决定自2019年11月1日起施行，至2020年7月1日止

2020年7月1日之前，魁省投资移民暂停接收申请（无论法语或非法语申请人），已经递交的申请仍会继续处理。

实际上，魁省投资移民项目的财政年度是每年的4月1日到次年的3月底，每年接受申请的开放和截止时间都在这个区间内。2020年度魁北克投资移民项目延迟3个月接受申请，也就是明年7月1日起再考虑接受新申请，并不是所谓的关门。

在完成投资获得魁北克移民甄选证书CSQ，转联邦的队伍排得很长。魁省初次审理只需要最多9个月，但是转联邦阶段某些情况下超过2年。魁省移民部长Simon Jolin-Barrette指出积压确实是项目暂停的一部分原因，但是强调魁省移民流失率很高也是导致项目进行反思的一个因素。绝大部分获得枫叶卡的投资者都不会留在魁省，而是迁往多伦多或者温哥华。“投资移民的留存率（留在魁省）为17%，” Simon Jolin-Barrette指出。“这意味着他们借给魁省政府120万加币，获得了居留许可，但是并没有来魁省定居。”

魁北克移民局将会在2020年7月后，公布投资移民项目具体开放日期，明年配额预计会大幅调整，加乐美出国预测魁省移民局会有以下几个方向的改革：

1. 取消被动投资的模式，学习其他省份调整为先给工签再转永居的模式，让对于魁省有兴趣的申请人留在魁省，真实的带动魁省的经济发展；

2. 重视法语的魁省或许会将“价值观测试”引入投资移民类别；

加拿大联邦投资移民与魁北克省投资移民同步创立于1986年，至今已经30余年，是历史悠久的投资移民项目，也是加拿大唯一只需被动投资（无需创业经营）的项目。加拿大联邦政府在2014年就停止了投资移民项目，但魁北克省一直在继续，每年的名额最多1900 个。

根据加拿大的移民法，准确衡量自己是否符合移民加拿大魁省的投资移民条件。魁省投资移民灵活，评估标准也较为复杂，所以如果你对魁北克省的移民政策不够了解，建议您找专业的加拿大移民人士专家为您进行评估分析。　

文件上面的具体要求包括

(一)资产要求1. 200万的资产要求是净资产，包括房产、公司所有者权益、存款、理财、股票、活期余额、保险等等，但不包括字画、黄金、汽车、古董等。如果房产还有未还清的贷款，则需要扣除这部分贷款后才能算作净资产。2.房产必须要有房产证才会被认可为资产，如果是期房，或者是没有办理产证的房子，均有很大的可能不会被移民局认可为资产。3.房产上如果有孩子的名字，则需要扣除孩子的这部分资产后才能算为净资产。比如房产证上有全家三个人名字，房产估值900万人民币，那么能被算为净资产的仅有600万人民币。4.理财、存款、股票等文件都需要提供最新市值证明，盖有金融机构的章5.公司所有者权益需要会计师事务所审计(二)合法收入1.申请人需要提供过去10年的个人所得税税单，如果可以，提供自2006年以来的个人所得税税单，税单需要和收入匹配，收入需全额缴纳个税。如有部分避税情况，则会降低申请的成功率，如果有50%及以上的避税，则基金公司和律师一般不给予名额，也不会审理。2.申请人需要提供开户至至今的银行流水记录，从中标识出所有的工资、奖金等收入的记录。同时标识出购买房产的出账记录或者出售房产的进账记录。大额的单笔银行流水记录需要解释其用途。3.如果有房屋买卖的，需要提供买入和卖出的银行流水记录。4.需要提供工作收入证明来辅助证明申请人的职位和收入。

（三）管理经验1.需要提供过去5年的管理经验文件，包括签字的合同、签字的报销单、签字的请假单，签字的员工面试单，签字的员工离职单等各类人财物的签字文件2.如果申请人所在的公司使用OA系统，则需要提供有申请人审核批准的截图3.申请人需要提供人、财、物三方面的签字文件证明管理经验，缺一不可（四）背景调查1.申请人如果是公司的股东或者法人都要如实申报2.申请人如果曾经是公司的股东或者法人，无论公司现在是否存在或者转让，都需要申报这些经历，并解释当初投入公司的资金来源，包括个体户3.移民官不接受具有中国国情的代验资和代持股4.申请人需要提交个人信用报告，上面出现的房产贷款对应的房产都需要申报在文案里面，无论这些房产是否被售出。

如果申请人对魁省投资移民感兴趣，建议申请人找专业的顾问和文案进行咨询及评估。

Analyzing the Trend of Canada QIIP in 2020

There are many types of business immigration programs in Canada. Quebec Investor Immigration Program (QIIP) has become the most popular immigration project after the Federal Investor Immigration Program was shut down in 2014. The reason is that Quebec has no English language requirements for applicants and applicants don’t require to invest funds until the application is successful. It is also the only project in Canada that requires passive investment (no need to start a business), and applicants could obtain the permanent card with one step. Compared with other provincial nominee program policies, they do not only have the minimum IELTS requirements, but they have basically adopted the model of giving work permits firstly and then moving to permanent residence.

On October 30, 2019, the Immigration Bureau of Quebec, Canada held a meeting as scheduled, which made the latest report on the decision of the Quebec Immigration Act on the management of the application of the investor plan for year 2019 to year 2020:

1. Suspension of applications for CSQ under the investor plan

2. This decision will be implemented from November 1, 2019 to July 1, 2020

Until July 1, 2020, Quebec Immigration Bureau will suspend receiving applications (regardless of French or non-French applicants), and applications already submitted will continue to be processed.In fact, the fiscal year of the QIIP is from April 1 to the end of March of the following year. The opening and closing times for accepting applications each year are within this range. The QIIP in 2020 is delayed for three months to accept applications, that is, it will consider accepting new applications from July 1 next year, which is not the so-called closing.

After completing the investment to obtain the Québec Immigration Selection Certificate CSQ, the process period in Federal Immigration Bureau. Initial trials in Quebec only take up to nine months, but in some cases the transition to the federal phase can take more than two years.

Quebec Immigration Minister Simon Jolin-Barrette pointed out that the backlog is indeed part of the reason for the suspension of the project, but emphasized that the high rate of applicants churning in Quebec is also a factor that led to the project's reflection. The vast majority of investors who have obtained PR Cards will not stay in Quebec, but will relocate to Toronto or Vancouver. "The retention rate for investment immigrants (remaining in Quebec) is 17%," said Simon Jolin-Barrette. "This means that they loaned the Canadian government $ 1.2 million and obtained a residence permit, but did not come to settle in Quebec."

The Québec Immigration Bureau will announce the specific opening date of the investment immigration project after July 2020. The quota is expected to be adjusted significantly next year. Joymay predicts that the Québec Immigration Bureau will reform in the following directions:1. Cancel the mode of passive investment and learn from other provinces to change to the model of giving a work permit first and then changing to permanent residence, so that applicants who are interested in Quebec stay in Quebec, which will really drive the economic development of Quebec;2. French-speaking Quebec may introduce a "value test" into the QIIP application;

The Federal Investor Immigration of Canada was founded in 1986 at the same time as the QIIP. It has been over 30 years and is a long-standing investment immigration project. It is also the only project in Canada that requires only passive investment (no need to start a business). The Canadian federal government ceased investment immigration programs in 2014, but Quebec has continued, with a maximum of 1,900 places per year.Under Canada's immigration laws, accurately measure whether you meet the investment immigration requirements for immigration to Quebec, Canada. Quebec's investment immigration is flexible and the evaluation criteria are more complicated, so if you don't know enough about Quebec's immigration policy, it is recommended that you find a professional consultant to evaluate and analyze it for you.The specific requirements on the document include:(Ⅰ) Asset requirements1. The 2 million asset requirement is net assets, including real estate, company owner's equity, deposits, wealth management, stocks, current balances, insurance, etc., but not including calligraphy and painting, gold, automobiles, antiques, etc. If the property has unpaid loans, you need to deduct these loans before they can be counted as net assets.2. The real estate must have a real estate certificate to be recognized as an asset. If it is a forward delivery housing or a house without a real estate certificate, it is very likely that it will not be recognized as an asset by the Immigration Department.3. If there is a child's name on the property, the child's assets need to be deducted before they can be counted as net assets. For example, the real estate certificate has three family names and a real estate valuation of 9 million yuan, so only 6 million yuan can be counted as net assets.4. Financial management, deposits, stocks and other documents need to provide the latest market value certificate, stamped with the financial institution's seal5. Company owner's equity needs to be audited by accounting firm(Ⅱ) Legal income1. The applicant needs to provide the personal income tax return for the past 10 years. If possible, provide the personal income tax return since 2006. The tax return must match the income, and the individual income tax must be paid in full.If there is partial tax avoidance, the success rate of the application will be reduced. If there is a tax avoidance of 50% or more, fund companies and lawyers will generally not grant quotas.2. The applicant needs to provide bank transaction records from the time of opening the account to identify all records of salary, bonus and other income. At the same time, the record of the purchase of real estate or the record of the sale of real estate are identified. A large single bank transaction record needs to explain its purpose.3. If there is a house sale, you need to provide the bank records of buying and selling.4. Proof of employment income is required to support the applicant's position and income.(Ⅲ) Management experience1. Need to provide management experience documents of the past 5 years, including signed contracts, signed reimbursement forms, signed leave requests, signed employee interview forms, signed employee resignation forms, and other relatively signed documents concerning management experience.2. If the applicant's company uses the OA system, you need to provide a screenshot with the approval by applicant.

3. Applicants need to provide signed documents about HR, financial issues and also the products.(IV) Background investigation1. If the applicant is a shareholder or legal person of the company, it must be truthfully declared.2. If the applicant has been a shareholder or legal person of the company, no matter whether the company exists or is transferred, it is necessary to report these experiences and explain the source of funds invested in the company, including self-employed.3. Immigration officers do not accept the verification and holding of shares on behalf of others.

4. The applicant needs to submit a personal credit report, and the real estate corresponding to the real estate loan shown above must be reported in the copy, regardless of whether these real estates have been sold.If you are interested in Quebec investment immigration, it is recommended that you must require the help from professional consultants for consultation and evaluation.

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