06 Feb 2023
无论您有两个朋友、二十个朋友还是没有朋友，您都可能会感到孤独，也可能不会感到孤独。如果您确实感到孤独或孤立，换句话说，如果您没有足够的社会支持或有意义的关系太少，您可能需要采取措施来改变它。大专学生，尤其是一年级学生，可能很难找到朋友、想家并且不确定自己是否有能力建立新的关系。新的人生篇章的性质几乎使孤独的经历不可避免。而且，这种现象不仅适用于新生；它可以适用于这个国家的任何新移民。 Whether you have two friends, twenty friends or no friends, you may or may not feel lonely. If you do feel alone or isolated, in other words if you don’t have adequate social support or have too few meaningful relationships, you may want to take steps to change it. Post-secondary students, especially first-year students may struggle to find friends, feel homesick and unsure of their ability to initiate new relationships. The nature of a new life chapter almost makes the experience of loneliness inevitable. And, this phenomenon is not only true for new students; it can apply to any newcomer to this country.
期待什么 What to expect
学校和部门为新生举办迎新会，以鼓励社交互动。有些是虚拟的，有些是面对面的。如果可以选择，您可能想亲自参加，这样您就可以与其他人面对面交流。请记住，这是结识新朋友并帮助寻求支持以应对学生挑战的绝佳机会。独自生活或完全在线学习可能会使这种社会适应更加困难。虽然花一些时间结交朋友很重要，但要在拥有社交网络与确保您有足够的时间和精力完成学业、工作和家庭义务之间保持平衡。 Schools and departments have orientation sessions for new students to encourage social interactions. Some are virtual and others in person. Given the choice, you may want to attend in person so you can meet face to face with others. Remember, that this is an excellent opportunity to meet new people and help find support to manage the challenges of being a student. Living alone or studying exclusively online may make this social adjustment more difficult. While it is important to invest some time in making friends, maintain a balance between having a social network and making sure you have enough time and energy for your school, work and family obligations.
解决方案 Solutions
愿意交朋友吗？首先将自己置于可以找到并被看到的位置。它可能经常光顾同一家咖啡馆或健身房，并经常坐在课堂或自助餐厅。有一件事是肯定的，你通常不会被发现独自坐在你的房间里！ Open to making friends? Start by putting yourself in a position where you are available and seen. It could be frequenting the same coffee house or gym, and sitting in class or cafeteria often. One thing is for sure, you will usually not be discovered sitting alone in your room!
参加有组织的学校活动，担任班级或学校职位的志愿者。即使参加一两次活动可以帮助您结识新朋友，那也是成功的。您可能必须迈出第一步，与您认识的人或恰好在您旁边的人开始对话。你可以邀请班上的某个人和你一起吃午饭、喝咖啡或散步。你可以加入你感兴趣的俱乐部或活动，尤其是那些会导致与他人互动的俱乐部或活动，例如体育俱乐部、辩论、政治、环保团体或慈善工作。这些机会很可能会增加您的熟人，并最终帮助您找到有意义的友谊。 Join organized school activities, volunteer for class or school positions. Even if attending one or two events helps you meet people, that is a success. You may have to take that initial step by starting conversations with someone you recognize or happens to be next to you in line. You could invite someone from your class to join you for lunch, coffee or a walk. You could join clubs or events that you have an interest in, particularly those that result in some interaction with others such as a sports club, debating, political, environmental groups or charity work. These opportunities you may very well increase your acquaintances and eventually help you find meaningful friendships.
高等教育学习不仅仅是教育和职业准备的时间。这也是个人成长、结识新朋友、扩大朋友圈和人脉的时候。对可能与您不同的其他人保持开放的态度可以帮助您培养对差异的宽容和欣赏，这显然是像加拿大这样的多元文化环境中的一项资产。专上学校是一个在同一屋檐下拥有如此多多样性的地方。 Post-secondary studies are not just a time for education and career preparation. It is also the time for personal growth, meeting new people, and expanding your circle of friends and contacts. Being open to others who may be different from you may help you develop your tolerance and appreciation for differences, clearly an asset in a multicultural environment like Canada. Post-secondary school is one place where there is so much diversity under one roof.
享受你自己的公司 Enjoy your own company
尽管你尽了最大努力，但你可能难以与他人建立联系。另外，友谊的起起落落是无法预测的。另外，试图通过经常陪伴你发现无聊、沮丧或浪费时间来减轻孤独感也不是一种好感觉。与与你没有任何兴趣或价值观的人共度时光实际上可能会更孤独。 Despite your best efforts, you may have difficulty connecting with others. Plus, the ups and downs of friendships can’t be predicted. Plus, attempting to alleviate feeling lonely by being in constant company that you find boring, upsetting or time wasting is also not a good feeling. It can actually be lonelier spending your time with people who don’t share any of your interests or values.
您可以做一些事情来享受自己的陪伴。评估您喜欢做的事情并找到重要的事情。这可能包括通过锻炼保持身心健康、探索新地方、追赶您最喜欢的作家、制作事物或了解世界大事的最新动态。此外，如果您正在做自己喜欢做的事情，您就更容易遇到同样喜欢的人。 There are some things you can do to enjoy your own company. Take stock of what you like to do and find important. This could include maintaining your physical and mental health through exercise, exploring new places, catching up on your favorite authors, making things or staying up to date with world events. Besides, if you are doing things you like to do, you are more apt to meet others who like that too.
FCGvisa translated, © canadianimmigrant All Rights Reserved.
06 Feb 2023
突发事件：加拿大延长香港居民的工作许可 加拿大将香港人的开放式工作许可再延长两年。 BREAKING: Canada extends work permits for Hong Kong residents Canada is extending the Open Work Permit for Hong Kongers by an additional two years.
移民部长肖恩·弗雷泽 (Sean Fraser) 刚刚宣布，加拿大正在扩大对香港国民的开放式工作许可选择。 Immigration minister Sean Fraser has just announced Canada is expanding its open work permit options for Hong Kong nationals.
这位部长今天早上在多伦多发表讲话说，原定于今天到期的香港居民现有开放式工作许可证 (OWP) 将再延长两年。 Speaking from Toronto this morning, the minister said the existing Open Work Permit (OWP) for Hong Kong residents, which was set to expire today, will be extended an additional two years.
要符合资格，香港居民必须在过去 10 年内获得加拿大专上文凭或学位，这改变了目前的五年要求，或持有同等的外国证书，他们可以获得教育证书评估.大专文凭课程必须至少为两年。 To be eligible, Hong Kong residents must have graduated with a Canadian post-secondary diploma or degree in the last 10 years, a change from the current requirement of five years, or hold an equivalent foreign credential for which they can get an Educational Credential Assessment. A post-secondary diploma program must be a minimum of two years.
目前暂时在加拿大的香港居民，包括访客、学生和工人，可以在加拿大境内在线申请。从国外申请的人仍然受到当前的旅行限制，目前可能无法来加拿大，除非他们有工作机会或满足旅行豁免并遵守所有公共卫生要求。香港居民前往加拿大目前需要出示 COVID-19 检测呈阴性的证明。 Hong Kong residents currently in Canada temporarily, including visitors, students and workers, can apply online from within Canada. Those applying from abroad remain subject to current travel restrictions and may not be able to come to Canada at this time, unless they have a job offer or meet a travel exemption and comply with all public health requirements. Hong Kong residents who travel to Canada currently need to show proof of a negative COVID-19 test.
加拿大为香港人提供的永久居留途径 Canada’s permanent residence pathways for Hong Kongers
加拿大也为在加拿大完成部分或全部专上教育的香港居民提供永久居留途径。有两个流： Canada also has permanent residence pathways dedicated to Hong Kong residents who have completed some, or all, of their post-secondary education in Canada. There are two streams:
A类为过去三年从加拿大专上院校毕业的香港居民提供永久居留权。 Stream A offers permanent residence to Hong Kong residents that have graduated from a Canadian post-secondary institution in the last three years.
B类为毕业于加拿大或国外专上院校并在加拿大至少有一年工作经验的香港居民提供永久居留权。 Stream B offers permanent residence to Hong Kong residents that have graduated from a post-secondary institution in Canada or abroad and have at least one year of work experience in Canada.
在这两个类别中，主申请人（学生）还可以包括配偶、伴侣和受抚养子女。 Under these two streams, principal applicants (the student) may also include a spouse, partner and dependent children.
主申请人必须持有由以下之一签发的护照： The principal applicant must have a passport issued by one of:
- 中华人民共和国香港特别行政区； the Hong Kong Special Administrative Region of the People’s Republic of China;
- 英国指在香港出生、入籍或注册的英国海外国民。 the United Kingdom to a British National Overseas, as a person born, naturalized or registered in Hong Kong.
在加拿大的香港人 Hong Kongers in Canada
香港一直是加拿大最大的移民来源地之一。根据2021年人口普查数据，加拿大有213,855名移民选择香港作为他们的出生地，位居加拿大前五名亚洲移民来源国之列。 Hong Kong has always been among Canada’s largest sources of immigrants. According to 2021 census data, there were 213,855 immigrants in Canada who selected Hong Kong as their place of birth, putting it among the top five Asian source countries for immigrants in Canada.
直到 1997 年，香港一直是加拿大的第一大移民来源地，每年有多达 30,000 名香港居民移居加拿大。作为前英国殖民地，加拿大与香港有一些共同的历史，这有助于建立牢固的经济关系。 1997 年，香港不再是英国殖民地，交还给中国政府，人数大幅下降。 Until 1997 Hong Kong was the number one source of immigration to Canada, with up to 30,000 Hong Kong residents moving to Canada each year. Canada has some shared history with Hong Kong as former British colonies, which helped create a strong economic relationship. In 1997 Hong Kong ceased to be a British colony and was handed back to the Chinese government and numbers dropped significantly.
数据显示，在 2022 年 1 月至 2022 年 11 月期间，加拿大迎来了 3,750 名来自香港的新永久居民。这是在 2021 年的 2,295 人的基础上增加的。此外，即使在 COVID-19 大流行的高峰期，加拿大在 2020 年仍然迎来了 1,045 名来自香港的永久居民。 Data shows Canada welcomed 3,750 new permanent residents from Hong Kong between January and November 2022. This builds on the 2,295 in 2021. Further, even during the height of the COVID-19 pandemic, Canada still welcomed 1,045 permanent residents from Hong Kong in 2020.
尽管如此，从 2015 年开始，每年发放的学习许可数量一直在稳步增加，当时发放了 2,095 个学习许可。这一数字在 2021 年和 2022 年上升至 6,345，在 1 月至 11 月期间向香港人签发了 8,705 个学习许可。 Still, there has been a steady increase in study permits issued each year starting from 2015 when 2,095 study permits were issued. This number rose to 6,345 in 2021 and in 2022, 8,705 study permits were issued to Hong Kongers between January and November.
根据国际流动计划签发的工作许可证数量也有所增加。从 2019 年到 2022 年，颁发的许可证数量从 985 个增加到 2022 年的 8,795 个。2022 年的数据是 2021 年颁发的 4,005 个许可证的两倍多。 There has also been a rise in the number of work permits issued under the International Mobility Program. Between 2019 and 2022, the number of permits issued rose from 985 to 8,795 in 2022. The 2022 data more than doubles the 4,005 permits issued in 2021.
FCGvisa translated, © CIC News All Rights Reserved.
06 Feb 2023
一些在加拿大的外国工人可以在 10 个工作日内处理他们的 LMIA LMIA 是临时外国工人计划的重要组成部分。了解加拿大的一些雇主如何通过 IRCC 的 10 个工作日服务标准更快地雇用他们的临时外国工人。 Some foreign workers in Canada can have their LMIA processed in 10 business days LMIAs are a vital part of the Temporary Foreign Worker Program. Find out how some employers in Canada can hire their temporary foreign workers faster through IRCC’s 10-business day service standard..
为了帮助加拿大雇主在没有合格且可用的加拿大人或永久居民 (PR) 时填补其组织中的劳动力和技能缺口，加拿大移民、难民和公民部 (IRCC) 实施了临时外国工人计划 (TFWP)。 To help Canadian employers fill labour and skills gaps in their organizations when there are no qualified and available Canadians or permanent residents (PR), Immigration, Refugees and Citizenship Canada (IRCC) operates the Temporary Foreign Worker Program (TFWP).
作为通过该计划向外国工人提供工作许可的条件，雇用外国人才的雇主必须完成劳动力市场影响评估 (LMIA)，以证明雇用将对加拿大劳动力市场产生积极或中立的影响。 As a condition of the work permits provided to foreign workers through this program, employers hiring foreign talent must complete a Labour Market Impact Assessment (LMIA) to demonstrate that the hire will either have a positive or neutral effect on the Canadian labour market.
平均而言，在 2022 年 12 月，LMIA 需要超过 21 个工作日的时间来处理 IRCC 负责的七个流。这些流包括全球人才流、农业流、永久居留流、高薪流、低薪流、家庭护理流和季节性农业工人计划。 On average, in the month of December 2022, LMIAs took over 21 business days to be processed across the seven streams accounted for by IRCC. These streams include the Global Talent Stream, Agricultural stream, Permanent Residence stream, High-wage stream, Low-wage stream, In-home caregivers stream and Seasonal Agricultural Worker Program.
但是，在以下三种情况下，LMIA 的处理时间可以加快到 10 个工作日。 However, in the following three circumstances, the processing time of an LMIA can be expedited to 10 business days.
注意： 尽管处理时间加快，但属于以下类别的雇主仍必须满足用于评估 TFWP 申请的所有常规计划要求 Note: Despite the expedited processing time, employers that fall under the following categories must still meet all usual program requirements used to assess TFWP applications
高薪技术行业工人的 LMIA LMIAs for workers in high-wage skilled trade occupations
加速 10 个工作日服务标准适用于在以下技术行业雇用外国工人的雇主——被认为对基础设施开发和自然资源开采至关重要，因此对加拿大经济增长至关重要——并提供等于或高于工资中位数的工资在工作所在的省份或地区。 The expedited 10 business day service standard is available for employers hiring foreign workers in the following skilled trades — deemed essential for infrastructural development and natural resource extraction, thereby qualifying as vital to Canadian economic growth — and offering a wage either at or above the median wage in the province or territory where the job is located.
除了该职业的 2021 年国家职业分类 (NOC 2021) 代码外，以下列出了符合该类别的所有技术行业职业。 Alongside the occupation’s National Occupation Classification 2021 (NOC 2021) code, the following lists all skilled trade occupations eligible under this category.
| NOC 2021 代码 |
职业 |
|
NOC 2021 Code |
Occupation |
| 72011 |
承包商和主管、电气行业和电信职业 |
72011 |
Contractors and supervisors, electrical trades and telecommunications occupations |
|
| |
|
|
|
|
| 72013 |
承包商和主管，木工行业 |
|
72013 |
Contractors and supervisors, carpentry trades |
| 72014 |
承包商和主管、其他建筑行业、安装人员、维修人员和服务人员 |
72014 |
Contractors and supervisors, other construction trades, installers, repairers and servicers |
|
| |
|
|
|
|
| 72310 |
木匠 |
|
72310 |
Carpenters |
| 72020 |
承包商和主管，机械行业 |
|
72020 |
Contractors and supervisors, mechanic trades |
| 72021 |
承包商和主管、重型设备操作人员 |
|
72021 |
Contractors and supervisors, heavy equipment operator crews |
| 82010 |
主管、伐木和林业 |
|
82010 |
Supervisors, logging and forestry |
| 82020 |
82020 |
|
|
|
| 监事，采矿和采石 |
Supervisors, mining and quarrying |
|
|
|
| |
|
|
|
|
| 82021 |
承包商和主管、石油和天然气钻探服务 |
|
82021 |
Contractors and supervisors, oil and gas drilling services |
| 83110 |
伐木机械操作员 |
83110 |
Logging machinery operators |
|
| |
|
|
|
|
| 82030 |
农业服务承包商、农场主管和专业畜牧工人 |
82030 |
Agricultural service contractors, farm supervisors and specialized livestock workers |
|
| |
|
|
|
|
| 92010 |
主管，矿物和金属加工 |
92010 |
Supervisors, mineral and metal processing |
|
| |
|
|
|
|
| 92011 |
92011 |
|
|
|
| 主管，石油、天然气和化学加工和公用事业 |
Supervisors, petroleum, gas and chemical processing and utilities |
|
|
|
| |
|
|
|
|
| 92013 |
92013 |
|
|
|
| 主管，塑料和橡胶制品制造 |
Supervisors, plastic and rubber products manufacturing |
|
|
|
| |
|
|
|
|
| 93100 |
93100 |
|
|
|
| 中央控制和过程操作员，矿物和金属加工 |
Central control and process operators, mineral and metal processing |
|
|
|
| |
|
|
|
|
| 92100 |
92100 |
|
|
|
| 电力工程师和电力系统操作员 |
Power engineers and power systems operators |
|
|
|
| |
|
|
|
|
| 92101 |
水和废物处理厂运营商 |
92101 |
Water and waste treatment plant operators |
|
| |
|
|
|
|
| 72100 |
72100 |
|
|
|
| 机械师和机械加工和工具检查员 |
Machinists and machining and tooling inspectors |
|
|
|
| |
|
|
|
|
| 72102 |
72102 |
|
|
|
| 钣金工 |
Sheet metal workers |
|
|
|
| |
|
|
|
|
| 72104 |
结构金属和板材制造商和装配工 |
72104 |
Structural metal and plate work fabricators and fitters |
|
| |
|
|
|
|
| 72105 |
72105 |
|
|
|
| 铁工 |
Ironworkers |
|
|
|
| |
|
|
|
|
| 72106 |
72106 |
|
|
|
| 焊工和相关机器操作员 |
Welders and related machine operators |
|
|
|
| |
|
|
|
|
| 72200 |
72200 |
|
|
|
| 电工（工业和电力系统除外） |
Electricians (except industrial and power systems) |
|
|
|
| |
|
|
|
|
| 72201 |
72201 |
|
|
|
| 工业电工 |
Industrial electricians |
|
|
|
| |
|
|
|
|
| 72202 |
72202 |
|
|
|
| 电力系统电工 |
Power system electricians |
|
|
|
| |
|
|
|
|
| 72203 |
电力线和电缆工人 |
72203 |
Electrical power line and cable workers |
|
| |
|
|
|
|
| 72204 |
电信线路和电缆工人 |
72204 |
Telecommunications line and cable workers |
|
| |
|
|
|
|
| 72205 |
电讯安装维修工 |
72205 |
Telecommunications installation and repair workers |
|
| |
|
|
|
|
| 72300 |
管道工 |
|
72300 |
Plumbers |
| 72301 |
蒸汽装配工、管道装配工和喷水灭火系统安装工 |
72301 |
Steamfitters, pipefitters and sprinkler system installers |
|
| |
|
|
|
|
| 72302 |
煤气安装工 |
72302 |
Gas fitters |
|
| |
|
|
|
|
| 72400 |
建筑技工和工业机械师 |
72400 |
Construction millwrights and industrial mechanics |
|
| |
|
|
|
|
| 72401 |
重型设备机械师 |
72401 |
Heavy-duty equipment mechanics |
|
| |
|
|
|
|
| 72402 |
供暖、制冷和空调机械师 |
72402 |
Heating, refrigeration, and air conditioning mechanics |
|
| |
|
|
|
|
| 72403 |
铁路车夫/妇女 |
72403 |
Railway carmen/women |
|
| |
|
|
|
|
| 72404 |
飞机机械师和飞机检查员 |
72404 |
Aircraft mechanics and aircraft inspectors |
|
| |
|
|
|
|
| 72406 |
电梯制造商和机械师 |
72406 |
Elevator constructors and mechanics |
|
| |
|
|
|
|
| 72500 |
72500 |
|
|
|
| 起重机操作员 |
Crane operators |
|
|
|
| |
|
|
|
|
| 73402 |
73402 |
|
|
|
| 钻孔机和爆破机—地面、采矿、采石和建筑 |
家企业 |
Drillers and blasters - surface, mining, quarrying and construction |
|
|
| 73402 |
73402 |
|
|
|
| 水井钻工 |
Water well drillers |
|
|
|
| |
|
|
|
|
| 83100 |
地下生产开发矿工 |
83100 |
Underground production and development miners |
|
| |
|
|
|
|
| 83101 |
油气井钻工、服务人员、测试人员和相关人员 |
83101 |
Oil and gas well drillers, servicers, testers and related workers |
|
| |
|
|
|
|
| 93101 |
石油、天然气和化工过程操作员 |
93101 |
Petroleum, gas and chemical process operators |
|
| |
|
|
|
|
薪酬达到或高于前 10% 水平的工人的 LMIA LMIAs for workers being paid at or above the level of the top 10%
加急 10 个工作日服务标准适用于向外国工人提供的工资达到或超过加拿大公民或永久居民在特定工作省份或地区所赚取工资的前 10% 的雇主。这一类别的临时外国工人被认为在他们的角色中具有高技能，其技能在加拿大劳动力中很难找到。 The expedited 10 business day service standard is available for employers offering foreign workers a wage that meets or exceeds the top 10% of wages earned by Canadian citizens or PRs in the specific province or territory of work. Temporary foreign workers in this category have been deemed highly skilled in their roles with skills that are difficult to find in the Canadian labour force.
加拿大各省和地区自 2022 年 4 月 30 日起生效的时薪中位数（2019 年工资）如下： The median hourly wages effective April 30, 2022 (2019 wages) in each Canadian province and territory are as follows:
艾伯塔省 (AB)：28.85 美元 Alberta (AB): $28.85
不列颠哥伦比亚省 (BC)：26.44 美元 British Columbia (BC): $26.44
马尼托巴 (MB)：23.00 美元 Manitoba (MB): $23.00
安大略省（ON）：26.06 美元 Ontario (ON): $26.06
魁北克 (QC)：25.00 美元 Quebec (QC): $25.00
萨斯喀彻温省 (SK)：25.96 美元 Saskatchewan (SK): $25.96
爱德华王子岛 (PEI)：21.63 美元 Prince Edward Island (PEI): $21.63
新不伦瑞克 (NB)：21.79 美元 New Brunswick (NB): $21.79
纽芬兰和拉布拉多 (NL)：24.29 美元 Newfoundland and Labrador (NL): $24.29
新斯科舍省 (NS)：22.00 美元 Nova Scotia (NS): $22.00
西北地区（北领地）：37.30 美元 Northwest Territories (NT): $37.30
努纳武特 (NU)：36.00 美元 Nunavut (NU): $36.00
育空地区（YT）：32.00 美元 Yukon (YT): $32.00
适用于短期职业工人的 LMIA LMIAs for workers in occupations with a short duration
10 个工作日加急服务标准适用于要求雇用不超过 120 个日历日的外国工人的雇主。与上述第一类相似，在这种情况下向外国工人提供的工资必须等于或高于工作所在地区的省或地区中位数。 The expedited 10 business day service standard is available for employers requesting a foreign worker hire for no greater than 120 calendar days. Similar to the first category identified above, the wage offered to the foreign worker in this instance must be at or above the provincial or territorial median in the region where the job is located.
此类别下的适用职业示例包括与处理维修、保修或使用制造设备相关的角色。 Examples of applicable occupations under this category include roles related to handling repairs, warranties or utilizing manufacturing equipment.
FCGvisa translated, © CIC News All Rights Reserved.
06 Feb 2023
作为加拿大的新移民，您很快就会发现建立良好信用评分的重要性。 As a newcomer to Canada you will quickly find out the importance of building a good credit score.
金融机构和其他企业通常会查看您的信用评分，以确定是否与您开展业务或“借给您”多少钱。这里有一些简单的例子： Financial Institutions and other businesses will generally look at your credit score to determine whether to do business with you or how much money “to lend you”. Here are some quick examples:
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出租物业并有资格成为租户 To rent a property and qualify as a tenant
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申请信用卡 Applying for a credit card
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获得抵押贷款购买房屋 Getting a mortgage to purchase a home
详细了解 TD 的加拿大新理财套餐 Learn more about TD’s New to Canada Banking Package
如何确定信用评分 How credit scores are determined
您的信用评分取决于您的信用记录。每次您申请或获得信贷，每次您按时付款或不付款并使用您的信贷，您都在建立您的信用记录。 Your credit score is determined by your credit history. Every time you apply for or receive credit, and every time you make or don’t make a payment on time and use your credit you are building your credit history.
当您申请信贷时，您的金融机构将通过三种方式评估您的信用记录： When you apply for credit, there are three ways your financial institution will evaluate your credit history:
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回顾你过去与他们的交易； Review your past dealings with them;
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考虑您在信用申请中提供的任何新信息； Consider any new information you provide in your credit application;
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联系第三方信用机构获取关于您整体信用记录的报告。 Contact a third-party credit agency for a report on your overall credit history.
信贷公司从向您提供信贷的公司收集信息。这会构建您的信用报告，它代表您与各种金融机构的活动摘要。 Credit companies collect information from the companies that provide the credit to you. This builds your credit report, which represents a summary of your activities with a variety of financial institutions.
定期向信用机构索取信用报告的详细信息是一种很好的做法，以帮助您了解您的评级并确保信息正确无误。这很重要，因为良好的信用记录可以增强您将来获得信贷的能力，而逾期付款或未付款等负面报告可能会使您将来更难借贷或获得信贷。 It is good practice to request the details of your credit report from the credit agencies periodically, to help you understand your rating and ensure that the information is correct. This is important because a strong credit record enhances your ability to get credit in the future, whereas negative reports such as overdue payments or non-payments, could make it more difficult for you to borrow or get credit in the future.
您在其他国家/地区的信用评分通常不会在加拿大使用。加拿大有两家公司收集信息并为您提供评分——其中一家是 EquifaxⓇ，另一家是 TransUnionⓇ。2 Your credit score from other countries will generally not be used in Canada. There are two companies in Canada that gather the information to provide you with a score – one of them is EquifaxⓇ and the other is TransUnionⓇ.2
访问 TD 网站以了解更多信息 Visit TD’s website to learn more
什么是良好的信用评分？ What’s a good credit score?
EquifaxⓇ 指出，加拿大良好的信用评分通常在 660 到 724 之间。如果您的信用评分在 725 到 759 之间，则可能被认为非常好。 760 及以上的信用评分通常被认为是优秀的信用评分。1 信用评分范围在 300 到 900.1 之间。您的分数越高，您的信用评级就越好。1 EquifaxⓇ notes that a good credit score in Canada is usually between 660 to 724. If your credit score is between 725 to 759 it’s likely to be considered very good. A credit score of 760 and above is generally considered to be an excellent credit score.1 The credit score range is anywhere between 300 to 900.1 The higher your score, the better your credit rating.1
您的信用评分有助于贷方评估您的信用能力。2您的信用评分越高，您获得贷款和信贷批准的可能性就越大。2在申请租房或申请某些工作时也可能会被检查。2但是，每个人的财务状况都不同，您的信用评分会根据您的信用记录和所欠债务的数额随时间发生变化。 Your credit score helps lenders to assess your credit capacity.2 The higher your score, the more likely you are to get approved for loans and credit.2 It may also be checked when applying to rent a property or when applying for certain jobs.2 However, everyone’s financial situation is different and your credit score will change over time based on your credit history and the amount of debt you owe.
EquifaxⓇ 和加拿大政府注意到评估以下信息以确定您的信用评分： EquifaxⓇ and the Government of Canada note the following information is assessed to determine your credit score:
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您在还清借款方面的一致性如何。注意，开信用卡属于借钱，会被计入3 How consistent you have been in paying off the money you have borrowed. Note that opening a credit card is considered borrowing money and will be taken into account3
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银行或信用卡公司给你的信用额度与你已经用完的信用额度3 The amount of credit that a bank or credit card company has given you versus how much you have used up3
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您的信用记录的长度——这是您第一次到达时无法影响的事情，但越早开始建立您的信用越好3 The length of your credit history – this is something you can’t impact when you first arrive but the earlier you start building your credit, the better3
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您还应该避免在短时间内申请过多的贷款、拥有过多的信用卡和申请过多的信用检查。4 这是因为它也会对您的信用评分产生负面影响。 4 You should also avoid applying for too many loans, having too many credit cards and requesting too many credit checks in a short timeframe.4 That’s because it could negatively impact your credit score too.4
如何建立良好的信用评分？ How do I build a good credit score?
作为新移民，了解如何建立良好的信用评分很重要。有几种方法可以做到这一点： As a newcomer, it is important to understand how to establish a good credit score. There are several ways you can do so:
1) 申请信用卡 1) Apply for a credit card
TD 提供信用卡作为其 TD 加拿大新理财套餐的一部分。您必须申请并获得批准。拿到信用卡后，您就可以用它购物了。然后，您应该确保按时付款。越早开设第一张信用卡，您开始建立信用记录的速度就越快。 TD offers a credit card as part of its TD New to Canada Banking Package. You have to apply and be approved for it. Once you get your credit card, you can make purchases with it. You should then make sure to pay your payments on time. The earlier you open your first credit card, the faster you will start building your credit history.
2) 获取手机或互联网服务计划 2) Get a cell phone or internet service plan
某些移动或互联网计划需要信用检查才能开通。获得手机或互联网服务计划后，请确保按时支付账单。此外，并非所有移动公司都会向信用局报告您的每月付款。你应该问他们是否这样做。 Some mobile or internet plans require a credit check to open. Once you get a cell phone or internet service plan, make sure you pay your bills on time. Also, not all mobile companies report your monthly payments to the credit bureau. You should ask if they do.
3) 其他形式的债务 3) Other forms of debt
如果您碰巧租车，及时还款可以计入良好的信用评分。这同样适用于学生贷款、抵押贷款或任何其他形式的贷款——这都是建立您及时偿还欠款历史的一部分。 If you happen to be leasing a car, the payments on a timely basis could count towards a good credit score. The same would apply to a student loan, mortgage, or any other form of loan – it’s all part of establishing a history of you paying back money that you owe in a timely manner.
4) 预算帮助 4) Budgeting Helps
无论您从上述示例中获得的信用类型是什么——要获得更高的信用评分，您必须按时付款。这样做的方法之一是确保您的预算适当。如果您在制定预算方面需要帮助，TD 可以随时随地使用 TD App 或通过易线网上理财帮助您管理资金。 Regardless of the type of credit you have taken out from the examples above – to get a higher credit score you must be making payments on time. One of the ways of doing this is to make sure that you budget properly. If you need help with creating budgets, TD can help you manage your money from wherever you are with the TD App or online banking through EasyWeb.
为什么选择TD？ Why Choose TD?
150 年来帮助加拿大人： 150 years helping Canadians:
TD 在为加拿大人提供金融解决方案方面拥有 150 多年的骄人历史。 TD 还带来了一个世纪的经验，帮助新移民应对加拿大银行系统的独特挑战。 TD has a proud history of delivering financial solutions to Canadians for more than 150 years. TD also brings a century of experience helping newcomers navigate the unique challenges of the Canadian banking system.
TD 拥有 1000 多家分支机构和卓越的金融服务声誉，已成为加拿大最大和最值得信赖的银行之一，目前为 1600 万加拿大人提供服务。 With over a thousand branches and a reputation for excellence in financial services, TD has become one of the largest and most trusted banks in Canada, now serving 16-million Canadians.
TD 为新移民提供在线支持和感兴趣的资源，主题包括银行业务基础知识、移居加拿大、信用评分要点等。 TD 还可以在 1,100 多家分行以 50 多种语言为您提供服务。为了您的方便，TD 营业时间延长。 TD 在加拿大各地拥有数千台 ATM，可帮助您快速轻松地处理日常银行业务。 TD offers online support and resources of interest to newcomers on topics like banking basics, moving to Canada, credit score essentials and more. TD can also serve you in more than 50 languages at more than 1,100 branches. TD is open longer hours for your convenience. TD has thousands of ATMs across Canada to help you take care of your everyday banking quickly and easily.
在线预约TD Book a TD appointment online
准备好存钱了吗？ Ready to Bank?
今天详细了解 TD 的加拿大新理财套餐 。 ** **Learn more about TD’s New to Canada Banking Package today.
预约与道明个人银行业务助理讨论道明加拿大新理财套餐。您可以立即在线预订，或访问 TD 网站了解更多信息。 Book an appointment to talk to a TD Personal Banking Associate about the TD New to Canada Banking Package. You can book online right away, or visit the TD website to learn more.
_ 1 _ _ 什么是良好的信用评分，Equifax 加拿大。_ 1 What is a Good Credit Score, Equifax Canada.
2 信用报告和分数基础知识。加拿大政府，2020 年 5 月 13 日 2 Credit Report and Score Basics. Government of Canada, May 13, 2020
3 如何计算信用评分，Equifax Canada. 3 How are Credit Scores Calculated, Equifax Canada.
4 提高您的信用评分。加拿大政府，2020 年 5 月 13 日。 4 Improving Your Credit Score. Government of Canada, 13 May 2020.
法律免责声明： 道明银行集团和本文中其他来源提供的信息在放置在本网站上时被认为是准确可靠的，但我们不能保证它始终准确、完整或最新。本文中的信息仅供参考，无意提供财务、法律、会计或税务建议，因此不应作为这方面的依据。此信息不应被解释为购买邀请。 TD Bank Group 的产品和服务仅在可以合法销售的司法管辖区提供。所有产品和服务均受适用协议条款的约束。本文中的信息如有更改，恕不另行通知。 Legal Disclaimer: Information provided by TD Bank Group and other sources in this article is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information in this article is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. This information is not to be construed as a solicitation to buy. Products and services of the TD Bank Group are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of the applicable agreement. The information in this article is subject to change without notice.
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FCGvisa translated, © CIC News All Rights Reserved.
06 Feb 2023
IRCC 部长为香港居民发布新公告 IRCC Minister Makes A New Announcement For Hong Kong Residents
2023 年 2 月 6 日，美国东部时间上午 8:53 Gagandeep Kaur Sekhon 加拿大移民 6 February 2023, 8:53 AM EST Gagandeep Kaur Sekhon Canada Immigration
!IRCC 部长 Sean Fraser 加拿大国会议员 !IRCC Minister Sean Fraser MP Canada
今天，IRCC 部长 Hon’ble Sean 为在加拿大的香港居民发布了一个重要的公告。 Today, IRCC Minister Hon’ble Sean is making an important announcement for Hong Kong residents in Canada.
Han Dong（Don Valley North 议员）、Jean Yip（Scarborough–Agincourt 议员）、Anna Victoria Wong 博士（安大略省社区家庭服务执行董事 – CFSO）将在本公告中加入 Fraser。 Han Dong (MP for Don Valley North), Jean Yip (MP for Scarborough–Agincourt), Dr. Anna Victoria Wong (Executive Director, Community Family Services of Ontario – CFSO) will be joining the Fraser in this announcement.
以下是 IRCC 部长 Hon’ble Sean Fraser 今天就继续支持香港居民发表的新声明。 Below is the today’s new announcement made by IRCC Minister, Hon’ble Sean Fraser regarding continued support for residents of Hong Kong residents.
正如移民、难民和公民部部长今天宣布的那样，加拿大正在延长和扩大针对合格香港居民的开放式工作许可计划。 The open work permit program for qualified Hong Kong residents is being extended and expanded by Canada, as announced today by the Minister of Immigration, Refugees, and Citizenship.
部长通过延长申请截止日期宣布了香港特别计划的新变化。 The minister announced new changes to the Hong Kong special programs by extending the deadline to apply.
对于符合条件的香港居民，提交开放式工作签证申请的新截止日期为 2025 年 2 月 7 日。 For qualified Hong Kong residents, the new deadline for submitting an application for an open work visa is February 7, 2025.
此外，IRCC 还宣布将资格扩大到过去 10 年内完成专上教育的香港居民。以前，这是 5 年。 Furthermore, IRCC also announced expanding the eligibility to Hong Kong residents who have completed post-secondary education within the last 10 years. Previously, this was 5 years.
因此，香港居民现在可以获得最多 3 年的更多工作经验。 As a result Hong Kong residents can now gain more work experience for up to 3 years.
配偶、同居伴侣和受抚养子女也可以根据香港的开放工作许可公共政策申请学习或工作签证。 Spouses, common-law partners, and dependant children may also apply for a study or work visa under Hong Kong’s open work permit public policy.
了解香港居民在加拿大的特殊PR流！ > Know Special PR Streams For Hong Kong Residents In Canada!
加拿大环境部现在在不同地点招聘工作 Environment Canada Jobs Hiring Now For Various Locations
加拿大环境与气候变化部 (ECCC) 目前正在接受加拿大不同地点的多项工作申请 Environment and Climate Change Canada (ECCC) is currently accepting applications for multiple jobs for various locations in Canada
IEC 2023 新一轮邀请发出>5,300 份邀请 IEC 2023 New Rounds Of Invitations Sent >5,300 Invites
IEC 2023 第四次抽签在三个类别下发出了 5,300 多份新邀请。 IEC 2023 的年度目标是邀请 90,000 名候选人。 IEC 2023 fourth draw sent more than 5,300 new invitations under three categories. IEC 2023 has annual target of inviting 90,000 candidates.
新的 OINP 抽签邀请 1,902 份 PR 快速通道资料 New OINP Draw Invites 1,902 Express Entry profiles For PR
新的 OINP（安大略省移民提名计划）被称为 Ontario PNP，邀请了 1,902 份 Express Entry 资料，CRS 截止分数在 476-489 之间。 New OINP (Ontario Immigrant Nominee Program) known as Ontario PNP invited 1,902 Express Entry profiles with CRS cut off score between 476-489.
第一次 FSWP Express Entry 抽签发送了 3,300 个新的 PR 邀请 First FSWP Express Entry Draw Sent 3,300 New Invites For PR
仅第一个联邦技术工人计划的快速入境抽签发出了 3,300 份 CRS 分数为 489 及以上的永久居留权 (PR) 申请邀请 (ITA) First Federal Skilled Worker Program only Express Entry Draw sent 3,300 invitations to apply (ITAs) for permanent residency (PR) with CRS score of 489 and above
IRCC 批准新的 PTE（培生英语考试）——所有你需要知道的 IRCC Approves New PTE (Pearson Test of English)-All You Need To Know
IRCC 将于 2023 年底开始接受 PTE 成绩，但目前还没有固定的日期或月份。获取完整的详细信息并与雅思进行分数比较。 IRCC will start accepting PTE scores in late 2023, but there is no fixed date or month as of now. Get full details and score comparison with IELTS.
2023 年艾伯塔省快速通道抽签发送了 200 个新的公关邀请 Alberta Express Entry Draw 2023 Sent 200 New PR Invites
2023 年艾伯塔省的两次最新快速通道抽签宣布 CRS 截止分数为 385 和 324。获取大量申请的详细信息和 NOC 代码。 Two latest Alberta Express Entry stream draws of 2023 declared CRS cut off score of 385 and 324. Get details and NOC codes with high volume of applications.
查看截至 2 月 1 日新更新的 IRCC 处理时间 Check Out New Updated IRCC Processing Times As Of February 1
以下是截至 2023 年 2 月 1 日的最新官方 IRCC 处理时间以及与上周处理时间的比较。 Here are latest official IRCC processing times as of February 1, 2023 as well as comparison with last week’s processing times.
第一次快速通道 PNP 抽签发送了 893 个新的 PR 邀请 First Express Entry PNP Draw Sent 893 New Invites For PR
2023 年的首次 PNP 快速通道抽签发送了 893 份申请邀请 (ITA) 永久居留 (PR)，CRS 分数为 733 及以上！ first PNP only Express Entry Draw of 2023 sent 893 invitations to apply (ITAs) for permanent residency (PR) with CRS score of 733 and above!
最新的 BC PNP 抽签发送了超过 280 个新的 PR 邀请 Latest BC PNP Draw Sent More Than 280 New Invites For PR
最新的 BC PNP 抽签（不列颠哥伦比亚省）邀请了 280 多名针对技术、医疗保健和儿童保育职业的永久居留权 (PR) 申请人。 Latest BC PNP Draw (British Columbia) invited more than 280 applicants for permanent residency (PR) targeting at Tech, Healthcare, and childcare occupations.
最新的 OINP 抽奖发送了 611 个新的 PR 邀请 Latest OINP Draw Sent 611 New Invitations For PR
安大略省 PNP (OINP) Draw 邀请了 53 个得分在 53 及以上的职业。查看完整的详细信息和受邀国家奥委会名单以及资格。 Ontario PNP (OINP) Draw invited 53 occupations having a score of 53 and above. Check out full details and list of invited NOCs as well as eligibility.
不列颠哥伦比亚省新的毒品合法化 - 所有你需要知道的 British Columbia New Decriminalization Of Drugs-All You Need To Know
毒品合法化：不列颠哥伦比亚省 18 岁以上的成年人不会因今天有效的高达 2.5 克的某些非法麻醉品而面临刑事指控。 Decriminalization Of Drugs: Adults 18+ in British Columbia won’t face criminal charges for having up to 2.5 grams of some illicit narcotics effective today.
加拿大快速通道——您需要的完整文件清单 Canada Express Entry – Full List Of Documents You Need
在创建快速通道配置文件时以及收到申请邀请 (ITA) 后，请查看快速通道文件清单。 Check out the Express Entry list of documents required at the time of creating your Express Entry profile and after you receive an Invitation to Apply (ITA).
第三次 IEC 2023 抽签发送了超过 7,100 个新邀请 Third IEC 2023 Draw Sent More Than 7,100 New Invites
IEC 2023 第三次抽签在三个类别下发出了 7,100 多份新邀请。迄今为止，IEC 今年已发出约 19,000 份邀请。 IEC 2023 Third draw sent more than 7,100 new invitations under three categories. So far, IEC has sent around 19,000 invites this year.
了解加拿大所有省份的每周收入 Know Canada Weekly Earnings In All The Provinces
查看 2023 年 1 月 26 日报告的加拿大和所有省份的行业和省份每周收入。详情在里面。 Check out the industry-wise and province-wise weekly earnings in Canada and all the provinces as reported on January 26, 2023. Details inside.
以下是 2023 年最常见的加拿大移民选择 Here Are Most Common Canada Immigration Options In 2023
未来三年，加拿大每年都会增加新移民的数量。查看 2023 年移民加拿大的最常见方式。 Canada will increase the number of new immigrants each year for next three years. Check out the most common ways for immigrating to Canada in 2023.
最新的马尼托巴省 PNP 抽签发送了 336 个新的 PR 邀请 Latest Manitoba PNP Draw Sent 336 New Invites For PR
2023 年 1 月 26 日——2023 年第二次曼尼托巴省 PNP 抽签发送了 336 份 PR 邀请，其中包括 32 份快速通道资料。在此处获取完整详细信息。 January 26, 2023 – Second Manitoba PNP Draw of 2023 sent 336 invitations for PR including 32 Express Entry profiles. Get full details here.
配偶开放式工作许可资格的新 IRCC 临时政策 New IRCC Temporary Policy For Spousal Open Work Permit Eligibility
新的 IRCC 临时政策的第一阶段扩大了配偶开放式工作许可的资格，将于 2023 年 1 月 30 日生效。 Phase 1 of new IRCC temporary policy expanding eligibility for spousal open work permit will come in effect on January 30, 2023.
安大略省 PNP (OINP) 发送了 692 份新的 PR 邀请 Ontario PNP (OINP) Sent 692 New Invitations For PR
2023 年第一个安大略省 PNP (OINP) 硕士研究生项目邀请了 692 名 EOI 截止分数为 44 分或以上的个人资料。里面的细节。 First Ontario PNP (OINP) Masters Graduate Stream of 2023 invited 692 profiles having EOI cut off score at 44 or above. Details inside.
这是截至 1 月 25 日新更新的 IRCC 处理时间 Here Are New Updated IRCC Processing Times As Of January 25
以下是截至 2023 年 1 月 25 日最新更新的官方 IRCC 处理时间以及与上周处理时间的比较。 Here are newly updated official IRCC processing times as of January 25, 2023 as well as comparison with last week’s processing times.
BC PNP 抽签发送了超过 270 个新的公关邀请 BC PNP Draw Sent More Than 270 New Invitations For PR
最新的 BC PNP 抽签（不列颠哥伦比亚省）邀请了 221 名永久居留权（PR）申请人。 4 个类别的最低截止分数降低了 3 分。 Latest BC PNP Draw (British Columbia) invited 221 applicants for permanent residency (PR). Minimum cut off score reduced by 3 points for 4 categories.
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