Working in Canada as a business visitor

29 Jan 2023

作为商务访客在加拿大工作了解来加拿大从事国际商业活动的外国人如何被视为商务访客，假定他们不会进入加拿大劳动力市场。 Working in Canada as a business visitor Learn how a foreign national coming to Canada to conduct international business activities is considered a business visitor, presuming that they will not enter the Canadian labour market.

前往加拿大的商务访客享有一些特殊的工作特权，并非所有来加拿大工作的国际人士都享有这些特权。其中一项特权是免除加拿大工作许可的要求。 Business visitors to Canada are afforded some special work privileges that are not given to all international persons coming to this country for work. One of those privileges is an exemption from requiring a Canadian work permit.

为什么加拿大允许商务访客在没有工作许可的情况下来加拿大 Why Canada allows business visitors to come to Canada without work permits

加拿大的经济繁荣极大地受益于允许来自世界各地的商人在加拿大开展业务。这是因为加拿大的经济在与世界各国的合作和关系建设中蓬勃发展。从贸易协定到经济伙伴关系，加拿大与许多国家都有互惠关系，允许加拿大人进入他们的国家开展业务。因此，加拿大的运作方式大致相同，因为互惠是加拿大经济发展的关键。 Canada’s economic prosperity benefits greatly from allowing businesspeople from around the world to conduct business in Canada. This is because Canada upholds an economy that thrives on cooperation and relationship-building with countries around the world. From trade agreements to economic partnerships, Canada has reciprocal relationships with many countries that allow Canadians to enter their countries for business. Accordingly, Canada operates much the same way, as reciprocity is key to Canada’s economic development.

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例如，作为经济合作组织和 G7 的成员，以及加拿大-美国-墨西哥协定（CUSMA，前身为北美自由贸易协定或 NAFTA）等协定，加拿大在强调确保国际业务可以在加拿大轻松顺利地进行。 For instance, as a member of the Organisation for Economic Co-operation and the G7, among other things such as the Canada-United States-Mexico Agreement (CUSMA, formerly known as the North American Free Trade Agreement or NAFTA), Canada places great emphasis on ensuring that international business can easily and smoothly be conducted in Canada.

同样，出于这个原因，一些来加拿大的商务访客无需先获得工作许可即可抵达并履行其职责。 Again, for that reason, some business visitors to Canada can arrive and perform their duties without requiring a work permit first.

注意：前往加拿大的商务访客可能仍需要临时居民签证 (TRV) 或电子旅行授权 (eTA) 才能在该国开展业务。 Note: Business visitors to Canada may still need a Temporary Resident Visa (TRV) or an Electronic Travel Authorization (eTA) to conduct business in this country.

外国公民必须满足哪些条件才能成为加拿大的商务访客？ What are the criteria that foreign nationals must meet to qualify as business visitors to Canada?

对于访问加拿大和开展业务的外国国民，他们必须向加拿大当局展示某些东西。例如，潜在的商务访客必须： For a foreign national to visit Canada and conduct business, there are certain things they must display to Canadian authorities. For example, prospective business visitors must:

证明他们打算在加拿大停留少于六个月 Demonstrate that they intend to stay in Canada for less than six months
证明他们无意进入加拿大劳动力市场 Prove that they have no intention of entering the Canadian labour market
表明他们的主要营业地点以及主要收入和利润来源在加拿大境外 Show that their main place of business, as well as their main source of income and profit, is outside of Canada
出示申请所需的证明文件 Present requested supporting documents for their application
满足加拿大的基本入学要求 Meet Canada’s basic entry requirements

关于上面列表中的最后一个项目符号，加拿大的基本入境要求包括以下内容。 Pertaining to the final bullet on the above list, Canada’s basic entry requirements include the following.

持有有效旅行证件（例如护照） Having a valid travel document (ex. passport)
拥有足够的钱留在加拿大并返回家园 Possessing enough money to stay in Canada and return home
计划在访问结束后离开加拿大 Having a plan to leave Canada at the end of their visit
证明不会对加拿大人构成犯罪、安全或健康风险 Proving not to be a criminal, security, or health risk to Canadians

现在，以下两节将对加拿大划分前来该国的潜在商务访客的具体方式提供一些必要的说明。 Now, the following two sections will provide some necessary clarity on the specific ways that Canada divides prospective business visitors coming to this country.

谁不被视为加拿大的商务访客？ Who is not considered a business visitor in Canada?

重要的是，我们首先要澄清在什么情况下来加拿大开展业务的外国人不被视为商务访客。 It is important that we first clarify the circumstances under which a foreign national coming to conduct business in Canada is not considered a business visitor.

来加拿大履行涉及动手建造的职责的个人 1. Individuals coming to Canada to perform duties involving hands-on building and construction
在签署初始销售或租赁/租赁协议后，根据第三方（既不是加拿大公司也不是一起工作的外国组织）谈判达成的服务合同来到该国工作的个人 2. Individuals coming to this country to work under a service contract negotiated by a third party (not either the Canadian company or a foreign organization working together) after the signing of the initial sales or lease/renal agreement
在加拿大工作的外籍人士不在保修范围内 3. Foreign nationals performing work in Canada not covered by a warranty
如果进入加拿大的外国雇员在一家国际公司工作，该公司直接与加拿大组织签订服务合同。在这种情况下，加拿大公司与外国组织之间的合同意味着进入加拿大劳动力市场。 4. If the foreign employee entering Canada is working for an international company that was directly contracted for service by a Canadian organization. In this case, a contract between a Canadian company and a foreign organization signifies an entry into the Canadian labour market.

前任。如果一家加拿大公司与一家美国组织签订服务合同，而美国公司派遣一个团队到加拿大现场工作，这意味着美国团队成员都在加拿大工作，国际公司将获得补偿他们在工作中的角色。在这种情况下，美国国民将不符合商务访客的资格。 Ex. Should a Canadian company contract the services of a U.S. organization, and the U.S. company were to send a team to work on-site in Canada, that would mean that the U.S. team members are both working in Canada and the international firm is being compensated for their role in the work. In this situation, the American nationals would not qualify as business visitors.

谁被视为加拿大的商务访客？ Who is considered a business visitor in Canada?

相反，这里有一些情况的例子，在这些情况下，来加拿大的外国公民被认为属于该国对商务访客的定义。 Conversely, here are a few examples of situations in which foreign nationals coming to Canada are considered to fall into the country’s definition of a business visitor.

维修和服务、监督安装人员和设置（不包括管道安装等动手安装）和测试商业或工业设备（例如计算机软件）的个人 1. Individuals repairing and servicing, supervising installers, and setting up (not including hands-on installation such as pipefitting) and testing commercial or industrial equipment (ex. computer software)
希望维修或维修在加拿大境外购买或租赁的设备的个人，只要所执行的服务是原始或扩展的销售/租赁/租赁协议或保修的一部分 2. Individuals looking to repair or service equipment purchased or leased outside Canada, so long as the services being performed are part of the original or extended sales/lease/rental agreement or warranty
对以前出售或租赁的设备进行软件升级的个人 3. Individuals performing a software upgrade for previously sold or leased equipment
安装、配置或培训他人升级软件的个人 4. Individuals installing, configuring, or training others on upgraded software
来加拿大处理保修和服务协议的个人，如果这项工作的合同已作为原始销售/租赁/租赁协议的一部分进行谈判，或者是原始协议的延伸 5. Individuals coming to Canada to handle warranty and service agreements, in the case that contracts for this work have been negotiated as part of the original sale/lease/rental agreement or are an extension of the original agreement

符合条件的商务访客在加拿大期间可以做什么？ What can eligible business visitors do while they are in Canada?

根据上述信息，以下是加拿大的商务访客在该国逗留期间可以参与的一些不同活动。商务访客可以： In line with the above-outlined information, here are some different activities that a business visitor to Canada can engage in during their time in the country. Business visitors can:

参加商务会议、会议、会议、展览会 Attend business meetings, conferences, conventions, fairs
代表外国实体购买加拿大商品或服务 Buy Canadian goods or services on behalf of a foreign entity *接受商品或服务的订单 Take orders for goods or services
提供售后服务（不包括建筑行业的实际工作） Provide after-sales service (excluding hands-on work in the construction trades)
接受加拿大母公司在加拿大境外工作的培训 Receive training from a Canadian parent company for work outside of Canada
为外国公司加拿大子公司的员工提供培训 Provide training to employees of a Canadian subsidiary of a foreign company

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Overcoming a cannabis conviction to enter Canada

29 Jan 2023

克服大麻定罪进入加拿大先前涉及大麻的外国刑事定罪可能会使您无法进入该国。 Overcoming a cannabis conviction to enter Canada A prior, foreign criminal conviction involving cannabis can render you inadmissible to the country.

为了了解外国对大麻的定罪，您必须确定它们在加拿大法律中是否具有同等效力。一些在加拿大不再违法的外国定罪，例如持有数量有限的大麻，应该不是问题。 In order to understand foreign cannabis convictions, you must determine whether they have an equivalent in Canadian law. Some foreign convictions that are no longer illegal in Canada, such as possession of limited amounts of cannabis, should not be a problem.

但是，一些外国大麻指控或定罪可能会使一个人无法进入加拿大。最常见的是： However, several foreign cannabis charges or convictions can render a person inadmissible to Canada. The most common are:

拥有超过 30 克干大麻（或其他形式的等同物） Possession of more than 30 grams of dried cannabis (or equivalent in other forms)
在大麻的影响下驾驶 (DUI) Driving under the influence (DUI) of cannabis
非法销售或分销大麻（严重犯罪，最高可判处 10 年监禁） The illegal sale or distribution of cannabis (serious criminality, punishable by up to 10 years in prison)

如何克服不可受理性 How to overcome inadmissibility

如果您想前往加拿大，可以通过三种主要方式来克服刑事入境问题： There are three main ways to overcome criminal admissibility if you are looking to travel to Canada:

提交临时居留许可申请 Submit a Temporary Resident Permit Application
提交刑事改造信 Submit a Criminal Rehabilitation Letter
法律意见书 Legal Opinion Letter

临时居留许可（TRP） Temporary Resident Permit (TRP)

临时居留许可 (TRP) 是被视为犯罪不可入境的个人的一种选择，因为它允许在一段时间内临时进入加拿大。 TRP 只能在旅行者有正当理由进入加拿大的情况下使用，例如出于商业目的或紧急情况。他们入境的好处必须大于对加拿大社会的任何风险。 A Temporary Resident Permit (TRP) is an option for an individual considered criminally inadmissible as it grants temporary access to Canada for a certain period of time. A TRP should only be used in situations where a traveler has a valid reason for entering Canada, such as for business purposes or an emergency. The benefits of their entry must outweigh any risks to Canadian society.

根据入境原因，TRP 申请最多可获批三年。一个人可以随时申请 TRP，不需要完成刑事判决。 TRP 可以允许一次进入加拿大或允许多次重新进入加拿大。一旦进入加拿大，拥有 TRP 的个人可以申请延长许可证的期限。 A TRP application can be granted for up to three years, depending on the reason of entry. A person can apply for a TRP at any point and does not require the completion of a criminal sentence. A TRP can allow one entry to Canada or permit multiple re-entries. Once in Canada, an individual with a TRP may apply to extend the duration of the permit.

刑事改造申请 Criminal Rehabilitation Application

加拿大政府提供机会提交刑事康复申请，以永久清除您过去的犯罪历史，以便进入加拿大。刑事改造申请是一种一次性解决方案，与 TRP 不同，它不需要更新。如果个人获得刑事康复批准，他们将不再被视为不可入境，并且不需要 TRP 即可进入加拿大。 The Canadian Government offers the opportunity to submit a criminal rehabilitation application to permanently clear your past criminal history for the purposes of entering Canada. The criminal rehabilitation application is a one-time solution that, unlike a TRP, does not require renewal. If an individual is granted approval for criminal rehabilitation, they are no longer considered inadmissible and would not require a TRP for entry into Canada.

为了有资格获得刑事康复，您必须满足以下条件： In order be eligible for criminal rehabilitation, you must meet the following criteria:

必须在加拿大境外实施相当于加拿大刑法规定的犯罪行为， Must have committed an act outside of Canada that would be equivalent to an offence under the Canadian Criminal Code,
必须已被定罪或承认犯有该行为，并且 Must have been convicted of or admitted to committing the act, and
服刑期满五年。这包括入狱、罚款、社区服务或缓刑。 Five years must have passed since the sentence has been completed. This includes jail time, fines, community service or probation.

法律意见书 Legal Opinion Letter

法律意见书是加拿大移民律师准备的文件，其中包含有关大麻定罪或指控的详细信息以及律师对该情况的法律意见。这封信将确定相关的加拿大法律，并提出不会使个人无法进入加拿大的替代违规行为。 A legal opinion letter is a document that a Canadian immigration lawyer prepares that contains details concerning a marijuana conviction or charge and the lawyer’s legal opinion on the situation. The letter would identify relevant Canadian law and suggest alternate infractions that would not render the individual inadmissible to Canada.

Ontario, British Columbia and Manitoba issue invitations in latest Provincial Nominee Program draws

28 Jan 2023

安大略省、不列颠哥伦比亚省和马尼托巴省在最新的省提名计划抽签中发出邀请三个省份本周已向候选人发出邀请。 Ontario, British Columbia and Manitoba issue invitations in latest Provincial Nominee Program draws Three provinces have issued invitations to candidates this week.

安大略省、不列颠哥伦比亚省和马尼托巴省已发出邀请，通过最近几轮的省提名计划 (PNP) 抽签向候选人提出申请。 Ontario, British Columbia and Manitoba have issued invitations to apply to candidates through their most recent rounds of provincial nominee program (PNP) draws.

大多数加拿大省和地区（魁北克和努纳武特除外）都有自己的 PNP。通过这些项目，有兴趣的候选人可能会被邀请申请省提名。获得省提名有利于获得永久居留权。 Most Canadian provinces and territories (except for Quebec and Nunavut) operate their own PNPs. Through these programs, interested candidates may be invited to apply for provincial nomination. Receiving a provincial nomination can be advantageous for gaining permanent residence.

魁北克的移民计划由该省管理，与加拿大的移民计划不同。魁北克省是唯一一个控制所有经济类移民的省份。 Quebec’s immigration programs are administered by the province and are distinct from Canada’s immigration programs. Quebec is the only province that has control over all economic class immigrants.

省提名计划 (PNP) 每年有 105,000 名永久居民。它始于 1998 年，此后每年 PNP 录取人数稳步增长。联邦和省政府都认为这是促进城市中心以外地区经济发展的有效工具。 The Provincial Nominee Program (PNP) accounts for 105,000 PR admissions per year. It began in 1998 and the annual number of PNP admissions has since increased steadily. Both federal and provincial governments consider it an effective tool to promote economic development outside of urban centers.

省移民结果1月22日-1月27日 Provincial immigration results January 22-January 27

安大略 Ontario

1月24日，安大略省共向安大略省移民提名计划（OINP）的雇主工作机会：国际学生类别的候选人发出了620份邀请。这是一个普遍的平局，这意味着没有针对性的职业。候选人需要至少 82 分才能收到邀请。 On January 24, Ontario issued a total of 620 invitations to apply to candidates in the Employer Job Offer: International Student stream of the Ontario Immigrant Nominee Program (OINP). It was a general draw, meaning there were no targeted occupations. Candidates required a minimum score of 82 to receive an invitation.

该流程适用于在技术职业中有工作机会的国际学生。工作机会必须属于国家职业分类 (NOC) 的 TEER（培训、教育、经验和责任）类别 0、1、2 或 3 的技术职业。 This stream is for international students with a job offer in a skilled occupation. The job offer must be in a skilled occupation at TEER (Training, Education, Experience and Responsibilities) category 0, 1, 2 or 3 of the National Occupational Classification (NOC).

1 月 25 日，安大略省还通过硕士研究生课程邀请了 692 名候选人。受邀候选人的最低分数为 44。 Ontario also invited 692 candidates through the Master’s Graduate stream on January 25. Invited candidates had a minimum score of 44.

要获得此流的资格，候选人必须满足以下资格标准的基线： To be eligible for this stream, candidates must meet a baseline of eligibility criteria such as the following:

必须拥有安大略省符合条件的大学的硕士学位。 Must have a master’s degree from an eligible university in Ontario.
语言要求：加拿大语言基准 (CLB) 7 级或更高（英语或法语）。 Language requirement: Canadian Language Benchmark (CLB) level 7 or higher (English or French).
必须在过去两年中在安大略省合法居住至少一年。 Must have legally lived in Ontario for at least one year in the past two years.

不列颠哥伦比亚省 British Columbia

不列颠哥伦比亚省在 1 月 24 日发出了 221 份邀请，邀请候选人参加包括技术职业在内的一般抽签。 British Columbia issued 221 invitations to apply to candidates in a general draw that included tech occupations on January 24.

邀请函发给了技术工人和国际毕业生类别的候选人，其中包括快速通道候选人。 The invitations were issued to candidates in the Skilled Worker and International Graduates categories and included Express Entry candidates.

还向入门级和半熟练候选人发出了邀请。一般抽签的 SIRS 分数范围为 82-102。 Invitations were also issued to Entry Level and Semi-Skilled candidates. The SIRS score for the general draw ranged from 82-102.

SIRS 的作用很像快速通道综合排名系统 (CRS)，但仅用于不列颠哥伦比亚省的 PNP。 SIRS acts much like the Express Entry Comprehensive Ranking System (CRS) but is only used for British Columbia’s PNP.

该省还对从事以下职业的候选人进行了多轮邀请。 The province also held rounds of invitations for candidates working in the following occupations.

31 名幼儿教育工作者和助理 (NOC 4214)，分数至少为 60 分； 31 early childhood educators and assistants (NOC 4214) with scores of at least 60 points;
18名技术工人，国际毕业生，包括快速入境类别的医护人员，分数至少为60分； 18 healthcare workers from the Skilled Worker, International Graduate, including Express Entry category, with scores of at least 60 points and;
分数至少为 60 分的其他紧缺职业。 Other in-demand occupations with scores of at least 60 points.

曼尼托巴 Manitoba

曼尼托巴省于 1 月 26 日通过曼尼托巴省提名计划邀请了 336 名候选人。要获得邀请，候选人必须满足其计划特定的基准标准。该省总共邀请了： Manitoba invited 336 candidates through the Manitoba Provincial Nomination Program on January 26. To receive an invitation, candidates must meet a baseline of criteria specific to their program. In total, the province invited:

曼尼托巴省的技术工人发出了 253 份邀请，最低分数为 726。 Skilled Workers in Manitoba issued 253 invitations with a minimum score of 726.
Skilled Workers Overseas发出了23份邀请，最低分数为713。 Skilled Workers Overseas issued 23 invitations with a minimum score of 713.
International Education Stream 发出60份无分数要求的邀请。 International Education Stream issued 60 invitations with no score requirement.

在所有被邀请申请的人中，有 32 人在快速通道系统中有个人资料。 Out of all who were invited to apply, 32 had profiles in the Express Entry system.

Education? Car ownership? Immigrants and refugees can reach their financial savings goals in Canada. Here are three tips to make it happen.

28 Jan 2023

成为新加拿大人是一段昂贵的时光。 It’s an expensive time to be a new Canadian.

加拿大目前正在经历创纪录的通货膨胀，导致生活成本增加，以及借贷利率上升。 Canada is currently experiencing record inflation leading to increased cost of living, as well as increasing interest rates to borrow money.

与此同时，加拿大一家主要金融机构最近进行的一项调查发现，超过半数的加拿大人 (56%) 正在削减可自由支配的支出，一些人正在考虑使用优惠券或从名牌产品中转出，以减轻成本上升对消费者的影响。货物与服务。大多数人 (81%) 都在密切关注自己的财务状况，以便在关注自己的需求之前能够负担得起自己的需求。 Meanwhile a recent survey by a major Canadian financial institution found over half of Canadians (56 per cent) are cutting back on discretionary spending and some are looking at couponing or switching from brand-name products in an effort to lessen the impact of rising costs for goods and services. Most people (81 per cent) are paying close attention to their finances so they can afford their needs before focusing on their wants.

那么，作为移民或难民，您如何在加拿大实现您的财务储蓄目标？ So, how do you, as an immigrant or refugee, go about reaching your financial savings goals in Canada?

也许您希望省钱以帮助您支付虚拟培训课程的费用以促进您的职业发展，或者您可能需要资金以便最终可以为成长中的家庭购买更大的车辆。 Maybe you’re looking to save money to help you pay for a virtual training course to grow in your career or maybe you need the funds so you can eventually purchase a larger vehicle for your growing family.

无论您的加拿大梦想是什么样子，总有实现它们的途径。 Whatever your Canadian dreams look like, there is a path to achieving them.

Windmill Microlending 是一家加拿大慈善机构，为新移民提供经济支持，使您能够支付学习期间的教育、培训、认证、专业发展或生活费用。 Windmill Microlending is a Canadian charity that provides financial support to newcomers enabling you to pay for the costs of education, training, certification, professional development or cost of living while you study.

为了有资格获得 Windmill 小额贷款，贷款申请人必须是： In order to qualify for a Windmill microloan, loan applicants must be:

移民和永久居民 an immigrant and a Permanent Resident
受保护人 Protected Person
公约难民 Convention Refugee
省提名人 Province Nominee
加拿大公民，或 Canadian Citizen, or
持有开放式工作许可的临时外籍劳工 Temporary Foreign Worker with an open work permit
如果您碰巧是国际学生、住家保姆或难民申请人，很遗憾您没有资格获得贷款 If you happen to be an international student, live-in caregiver or refugee claimant, you do not qualify for a loan unfortunately

通过完成我们的两分钟贷款资格测验，了解您是否有资格获得高达 15,000 美元的 Windmill 小额贷款！ Find out if you are eligible for a Windmill microloan of up to $15,000 by completing our two-minute loan eligibility quiz!

Windmill 的职业成功教练乔伊斯·万 (Joyce Wan) 本人也是一名移民，她每天与渴望在职业生涯中取得进步并积累技能和知识的移民和难民客户一起工作。对于这些人来说，支付教育费用不仅是一个目标，而且是一种必然。 Joyce Wan, a career success coach at Windmill and herself an immigrant, works, every day, with immigrant and refugee clients who aspire to advance in their careers and build their skills and knowledge. For these individuals, paying for their education isn’t just a goal, it’s a necessity.

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Windmill 小额贷款客户成功教练 Joyce Wan 表示，尽管生活成本不断上涨，新移民仍可以在加拿大实现他们的财务储蓄目标。 Windmill Microlending Client Success Coach Joyce Wan says newcomers can reach their financial savings goals in Canada despite rising cost of living.

“对于 Windmill Microlending 的客户来说，设定完成他们的专业指定或认证的目标可能意味着从事一份勉强维持生计的低技能工作和从事一份改变他们在加拿大生活的高收入职业之间的区别”万说。 “For Windmill Microlending clients, setting a goal of completing their professional designation or certification can mean the difference between working in a low-skill job that barely enables them to make ends meet and getting to a high-income career that transforms their lives in Canada,” says Wan.

Wan 提供以下财务储蓄技巧，以帮助移民和难民更接近他们在加拿大的希望和梦想。 Wan offers the following financial savings tips to help immigrants and refugees get closer to their Canadian hopes and dreams.

新移民储蓄秘诀 #1：专注于您的储蓄目标 Newcomer savings tip #1: Focus on your savings goals

确定您的储蓄目标，无论是拥有房屋、购买汽车还是为专业发展课程储蓄以帮助您发展事业。使用财务目标计算器等工具来记录您的财务目标，并预测您实现这些目标需要多长时间。同样，请确保记录您所有的储蓄来源并跟踪您的进度，包括每月余额和每月供款。了解如果需要，您可以多快获得这些资金，以及从某些账户提取资金的任何处罚。 Identify your savings goals, whether that includes owning a home, buying a car or saving for a professional development course to help grow your career. Use a tool like a financial goal calculator to capture your financial goals and project how long it will take you to reach those goals. As well, make sure to capture all your savings sources and track your progress including monthly balance(s) and monthly contribution(s). Understand how quickly you can access these funds if needed and any penalties for withdrawing funds from certain accounts.

新移民储蓄提示 #2：制定行动计划来增加收入和增加储蓄 Newcomer savings tip #2: Develop an action plan to grow your income and boost your savings

想要更快地达到您的储蓄目标？增加收入是加速这一过程的一种策略。 Wan 表示，Windmill Microlending 的客户在完成教育或培训并还清小额贷款后，收入增长了三倍多（准确地说是 3.5 倍）。具备在加拿大就业市场取得成功的技能和知识，这些人更容易找到收入更高的工作，使他们在新国家取得职业成功。 Wan 补充说，有了 Windmill 新的固定利率产品，新移民最多可以借到 15,000 美元，并且在偿还贷款时有一定的成本确定性。 Want to reach your savings goals, faster? Increasing your income is one strategy to accelerate the process. Wan says Windmill Microlending clients grow their incomes more than three-times (3.5x to be exact) after completing their education or training and paying off their microloan. Equipped with the skills and knowledge to succeed in the Canadian job market, these individuals are more easily able to find higher income work that positions them for career success in their new country. Adds Wan, with Windmill’s new fixed interest rate offering, newcomers can borrow up to $15,000, and have some cost certainty when it comes repaying their loan.

她还建议新移民谨慎管理债务，并意识到管理不善可能会对您未来的借款产生影响。值得注意的是，来到 Windmill 的客户通常在加拿大几乎没有信用记录，尽管如此，他们仍然有资格获得负担得起的贷款。 She also advises newcomers manage debt carefully and be aware that mismanaging it can have an impact on your future borrowing. Of note, clients often come to Windmill with little to no credit history in Canada and, despite this, can still be eligible for an affordable loan.

详细了解 Windmill 小额贷款为移民和难民提供的新职业贷款的固定利率优惠！ Learn more about Windmill Microlending’s fixed interest rate offer on new career loans for immigrants and refugees!

新移民储蓄提示 #3：跟踪您的进度 Newcomer savings tip #3: Track your progress

在这里，您应该考虑如何跟踪实现财务目标的进度，并考虑要养成哪些储蓄习惯。例如，设置自动转账，将每张支票的一小部分存入储蓄账户。其他人则使用四舍五入的借记卡，在每次购买时将金额四舍五入，并自动将多余的零钱转入他们的储蓄。同样，您可以请朋友或支持者帮助您朝着财务目标迈进。 Here, you should consider how you’re going to track your progress toward your financial goal and consider what savings habits you’ll want to institute. For example, setting up automatic transfers to put a small part of each pay cheque into a savings account. Others use a round-up debit card that rounds the amount up on every purchase and automatically transfers the spare change into their savings. As well, you could ask a friend or support person to help you stay on track towards your financial goals.

Wan 观察到，许多新移民在刚到加拿大时并没有每月预算的经验，但这是有效增加您的财务储蓄并更接近您的目标的关键一步。 Wan has observed that many newcomers don’t have experience with monthly budgeting, when they first arrive in Canada, but this is a critical step to effectively growing your financial savings and getting closer to your goals.

“如果您不跟踪每月开支，很容易超支并依赖信用卡或个人贷款。只有通过预算，新移民才能看到他们是否有盈余来投资和储蓄，或者是否有赤字，以审查开支，或者寻找一份收入更高的工作，”她建议道。 “It is easy to overspend and rely on credit cards or personal loans if you do not track monthly expenses. It is only by budgeting that newcomers will see if they are in surplus to invest and save, or in deficit, to review expenses, or seek a job with a better income,” she advises.

正在寻找有关如何制定有效预算和财务计划的建议？探索 Windmill 的技术移民职业成功指南中的财务规划部分。 Looking for advice on how to develop an effective budget and financial plan? Explore the Financial Planning section within Windmill’s Skilled Immigrant Career Success Guide.

Windmill Microlending announces 5.95% fixed interest rate for new loans

27 Jan 2023

作为加拿大的新移民，获得成功的最佳途径之一就是掌握财务状况并规划未来。鉴于我们在进入 2023 年时面临严峻的经济环境，这并不容易。 As a newcomer to Canada, one of the best ways to achieve success is to get a grasp of the financial landscape and plan for the future. And this is not easy given the tough economic climate we face as we enter 2023.

通货膨胀水平上升、利率上升和生活成本增加都给许多技术移民和难民带来了忧虑和焦虑。当您在加拿大开始新生活时，高利率的影响——发展您的事业、寻找住房和发展您的家庭，可能会非常令人沮丧。 Rising inflation levels, a hike in interest rates and an increased cost of living have all created apprehension and anxiety for many skilled immigrants and refugees. The impact of higher interest rates just as you are establishing a new life in Canada — building your career, finding housing, and growing your family, can be very frustrating.

为了应对这些不确定的时期，为技术移民和难民提供负担得起的贷款的加拿大慈善机构 Windmill Microlending 宣布，所有新贷款在整个贷款期限内的固定利率上限为 5.95%。将这笔贷款限制在前所未有的低于最优惠利率的固定利率是为了确保新移民可以获得和负担得起贷款。 In response to these uncertain times, Windmill Microlending, a Canadian charity offering affordable loans to skilled immigrants and refugees, has announced that all new loans will be capped at a fixed interest rate of 5.95 per cent for the entire loan duration. Capping this loan at this unprecedented below-prime rate, fixed interest rate is to ensure that the loans are accessible and affordable for newcomers.

通过在贷款期间设定固定利率，该组织力求确保付款稳定性，让新移民在管理财务时更加安心。小额贷款帮助支付认证、培训和职业发展的费用。此外，目标是为客户提供机会并建立他们的信心，以确保获得与其技能和经验相符的职位。 By setting a fixed interest rate over the loan period, the organization seeks to ensure payment stability, providing newcomers with greater peace of mind when managing finances. The microloans help pay for the costs of accreditation, training and career development. In addition, the goal is to provide clients with the opportunity and build their confidence to secure roles that align with their skills and experience.

该组织希望这项临时措施能够减轻技术移民和难民在充分发挥潜力时的经济困难，同时有助于缓解加拿大的劳动力短缺问题。 The organization hopes that this temporary measure will alleviate financial suffering for skilled immigrants and refugees as they utilize their full potential, in addition to contributing towards easing Canada’s labour shortage.

您可以在此处的 Windmill 小额贷款网站上了解更多信息。 You can learn more on the Windmill Microlending website here.

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