Izimali Zokukhokhela I-IRCC Zabangashadile, Abashadile kanye Nabafake Izicelo Zomndeni

Ngabe ucabanga ukuthuthela eCanada nomlingani wakho nomndeni wakho? Ngemuva kwalokho udinga ukwazi yonke into nge-IRCC Settlement Funds. Ukuthuthela ezweni elisha kuyinto enhle, ikakhulukazi ezweni elinjengeCanada.

Abafakizicelo abafuna ukuthuthela eCanada kufanele babonise ukuthi bangakwazi ukusekela ngokwezimali ukuhlaliswa kabusha kwabo eCanada. Kulesi sihloko, sizokhuluma ngendlela yokubala izimali zokukhokhela i-IRCC ezidingekayo kwabashadile, abashadile, nabafake izicelo zemindeni. Nethezeka futhi ufunde konke!

Ziyini Izimali Zokukhokhelwa?

Abafakizicelo abafaka izicelo zokuhlala unomphela e-Canada ngaphansi kwesisebenzi sikahulumeni esinekhono kanye namakilasi e-federal trades badinga ubufakazi bezimali ukukhombisa ukuthi bayakwazi ngokwezimali ukuzinza e-Canada. Ingenye yezidingo ze-IRCC PR.

Ake sithi uthuthela e-Canada nomngane womshado ohambisana naye noma umlingani ovamile. Uma kunjalo, ungafaka imali onayo ndawonye ngaphansi kwe-akhawunti ehlanganyelwe njengezikhwama zakho zokukhokhela i-IRCC. Uma ucabanga ukuthi ohamba naye noma umlingani wakho ovamile unemali kuma-akhawunti abo, ungayisebenzisa nawe. Noma kunjalo, kubalulekile ukuthi ube nobufakazi obubhaliwe bokuthi uyakwazi ukuthola imali.

Uzosidinga ngokushesha uma uthola i-Express Entry Invitation to Apply (ITA) ekhishwe ngabakwa-Immigration, Refugees, kanye ne-Citizenship Canada (IRCC).

Sithini isikhathi sokucubungula sokuthola i-Canada Permanent Residency?

Isilinganiso sesikhathi sokucubungula i-IRCC se-visa yaseCanada PR yizinyanga ezinhlanu kuya kweziyisishiyagalombili. Nokho, kwezinye izimo ezimbi kakhulu, kungase kudlulele ezinyangeni ezingamashumi amabili nesithupha.

Yiziphi izimali zokufaka isicelo ze-IRCC PR? Kusukela ngomhla ka-30 Ephreli 2022, imali yesicelo somuntu oyedwa ingu-$850, futhi ilungelo lemali yokuhlala unomphela ngu-$515. Ngesikhathi esifanayo, izindleko zokufaka ingane eyondliwe ngu-$230 ingane ngayinye.

Uzodinga imali engakanani?

Inani lemali ozolidinga lincike ohlotsheni lomfakisicelo onguye. Isibonelo, uma ungumfakisicelo oyedwa, uzodinga u-$13,310. Kodwa-ke, uma ungumfakisicelo womndeni, kuzobalwa ngokusekelwe enanini labondliwa onabo.

Okubhalwe ngezansi amanani oyowadinga uma ufaka isicelo sohlelo lokuthuthela kwelinye izwe njengoHlelo Lokusebenza Lwe-Federal Skilled Worker ngaphandle kokuqashwa:

Inani Lezimali Zamalungu Omndeni ezidingekayo ngamaDola ase-Canadian

I-$13,310 eyodwa

Amabili $16,570

Ama-$20,371 amathathu

Ama-$24,733 amane

Amahlanu $28,052

Ayisithupha $31,638

Isikhombisa $35,224

Ilungu ngalinye lomndeni elengeziwe libiza u-$3,586

Kubalulekile ukuqaphela ukuthi izidingo zezimali zokukhokhelana zibuyekezwa njalo ngonyaka. Ngakho-ke, ulwazi olungenhla luzoqala ukusebenza kusukela ngomhlaka-9 Juni 2022.

Yini eyamukelekayo njengobufakazi bezimali?

Noma nini lapho wethula izimali zakho zokukhokhelana ze-IRCC, isikhulu sezokufika sizobheka ukuthi uyakwazi yini ukufinyelela emalini lapho ufaka isicelo. Ngaphezu kwalokho, isikhulu sizohlola ukuthi isicelo sakho se-visa yokuhlala unomphela siphumelele yini.

The ubufakazi bezimali kufanele ibe sesimweni sencwadi esemthethweni evela emigwaqweni egunyaziwe njengebhange lakho noma isikhungo sakho sezezimali. Izochaza ukuthi uyibambe kuphi imali yakho futhi ifakazele ukufinyelela emalini. Kufanele ifake ulwazi olulandelayo;

• Iletterhead yesikhungo sezezimali
• Ulwazi lokuxhumana olubalulekile njengekheli labo, inombolo yocingo, nekheli le-imeyili
• Igama lakho
• Isamba sezikweletu ezisele ezifana nezikweletu zekhadi lesikweletu kanye nemalimboleko
• Izinombolo ze-akhawunti ezilungile kanye nedethi yokuvula
• yonke imininingwane yamanje yebhange kanye ne-akhawunti yokutshala imali enebhalansi yamanje
• Ibhalansi ye-akhawunti yakho emaphakathi yezinyanga eziyisithupha ezedlule

Ngaphezu kwalokho, ake sithi unama-akhawunti anezikhungo zezezimali eziningi. Uma kunjalo, uzodinga ukuthola isitatimende esivela kumuntu ngamunye ukuze ubonise ukubuka konke okuphelele kwezimali zakho.

Imithethonqubo Yezimali Zokukhokhelana

Ukuze izimali zakho zokukhokhela i-IRCC zivumeleke ukuba ube ngumhlali wakho wase-Canada unomphela, kufanele zihambisane nemithetho ethile. Lokhu kubandakanya;

• Abafakizicelo abafaka izicelo zama-visa okuhlala unomphela kumele babe nemali etholakala kalula. Kusho ukuthi kufanele ufinyelele kuzo ngokuqondile.
• Bese uzobonisa isikhulu sezokufika ukuthi unokufinyelela okusemthethweni ezikhwameni lapho ungena ezweni.
• Ngaphezu kwalokho, izimali kumele zikwazi ukukhokhela izindleko zokuphila zomndeni wakho wonke. Kuzosiza uma ufaka nalabo abangazange bakuphelezele.
• Ukubala imali kwi-akhawunti ehlanganyelwe uma owakwakho ehamba nawe kuvumelekile.
• Uma ucabanga ukuthi usebenzisa i-akhawunti enegama layo kuphela, uzodinga ukukhombisa ukuthi uyakwazi ukufinyelela izimali.
• Awukwazi ukusebenzisa ukulingana ekhaya lakho njengobufakazi bezimali zokukhokhela i-IRCC.
• Okokugcina, ngeke ukwazi ukuboleka le mali komunye umuntu. Gwema ukuboleka imali emabhange.

Kungani Udinga Izimali Zokukhokhelwa?

I-IRCC Settlement Funds ibalulekile kulabo abafaka izicelo zokuba ngabahlali unomphela eCanada. Ngaphandle kokubasiza ukuba baphile ezweni elisha, kuzobasiza nokuba bachume. Ngakho-ke, i-win-win yazo zombili izinhlangothi. Isiphathimandla sezokufika sase-Canada, Immigration, Refugee and Citizenship Canada (IRCC), sibeke izidingo ezincane zezimali kubantu bangaphandle ngenxa yezizathu ezimbili ezibambekayo;

• Okokuqala, ngeke udinge ukuthembela kuhlelo losizo lomphakathi futhi ucindezele uhlelo lwaseCanada.
• Okwesibili, lesi simo ngeke sikuphoqe ukuthi ubuyele ezweni lakini ngenxa yokungakwazi kwakho ukuhlala ngokwezimali.

Uhulumeni waseCanada ufuna inqubo yakho yokuthuthela kwelinye izwe ingabi nankinga ngoba imisebenzi engaphezu kwesigidi iyatholakala. Ikusasa lezomnotho laseCanada lizohlala liqinile inqobo nje uma abantu emhlabeni wonke befaka izicelo zokuba ngumhlali unomphela ukuze basebenze.

Ukuba nezikhwama ze-IRCC Settlement kuzophinde kukwenze ube yilungu elisebenzayo lomphakathi waseCanada. Ngalokho, uzokwazi ukufaka isandla ohlelweni lwezomnotho. Uma unemali eyanele, uzokwazi ukukhokhela izinto eziyisisekelo ezifana nokuqasha indlu, ukuthenga imoto, ukukhokhela izithuthi zomphakathi, ukuthenga igrosa, njll.

Ukwengeza, kungaba ngcono ukubhala zonke izindleko okungenzeka ube nazo e-Canada phakathi nezinyanga ezimbalwa zokuqala zokungena ezweni. Lokhu kubandakanya; izindleko zokuphatha, izindleko zokuphila, izindleko zokuthutha, ngisho nezindleko zokuzijabulisa. Ngemuva kwalokho, ungahlobanisa izimali ozozidinga nokuthi ungazuza malini eCanada uma uthola umsebenzi. Izimali zokukhokhelana zihlose ukukusiza ukuthi uphile ngokukhululeka eCanada uze uthole indlela yokuthola imali.

Ubani ongadingi ubufakazi bezimali?

Abanye abafake izicelo abadingi ukukhombisa ukuthi banemali eyanele ukuze bazondle bona nemindeni yabo. Lokhu kubandakanya;

• Abafakizicelo abafaka izicelo ngaphansi kwekilasi le-Canadian Experience
• Abafakizicelo bagunyazwe ukusebenza eCanada futhi babe nesipho somsebenzi esivumelekile. Kuyasebenza ngisho noma ucela imvume ngaphansi kwe-Federal Skilled Worker Programme noma i-Federal Skilled Trades Programme.

imibuzo ejwayelekile ukubuzwa

Yibuphi ubufakazi obamukelekayo bezimali?

Ubufakazi obamukelekayo bezimali buhlanganisa izitatimende zebhange, zokuphepha, noma zokutholwa. Isitatimende sasebhange kufanele sisuke ku-akhawunti esegameni lakho noma egameni lomlingani wakho ohambisana naye/umlingani osebenza naye.

Ingabe i-Canada inika abafuduki abasha imali?

Uhulumeni waseCanada unezinzuzo ezithile zezezimali zabokufika abasha. Isibonelo, kunohlelo lwe-Canada Child Benefit (CCB). Ihlose ukulungisa ezinye zezindleko zokukhulisa izingane ezingaphansi kweshumi nesishiyagalombili. Lolu hlelo lungaphansi kweCanadian Revenue Agency (CRA).

Kunohlelo olubizwa ngokuthi intela yezimpahla nezinsizakalo/amakhredithi entela yokuthengisa evumelanisiwe (GST/HST). Kuyinkokhelo yekota nengenayo intela yabantu baseCanada abahola kancane naphakathi nendawo.

Ibalwa kanjani isikhwama esikhokhelayo?

Uhulumeni waseCanada ubuyekeza inani elincane labo abathuthela e-Canada abalidinga minyaka yonke ngokusekelwe ku-50% yenani eliphelele lokunqanyulwa kweholo elincane. Yize izinguquko zizincane, zingathinta ukufaneleka kwakho. Kutuswa ukucwaninga izindleko zokuhlala endaweni ofisa ukuzinza eCanada.

Lapho ungena ezweni, kufanele wazise isikhulu sasemngceleni uma unemali engaphezu kuka-CAN$10,000 nawe ngenkathi ungena e-Canada. Uma ungasitsheli isikhulu, sizodonsa inhlawulo, futhi iziphathimandla zaseCanada zingakushaqa izimali zakho.

Ingabe i-Express Entry ivulekele i-Canada 2022?

Yebo, ivuliwe. NgoJulayi, iCanada yamemezela isimemo sabantu abangu-1,750 abazongenela ukhetho lokungenela izicelo zokuthi bafake izicelo zokuhlala unomphela. I-Express Entry ingenye yezindlela ezibalulekile abantu abazisebenzisayo ukuze bathuthele eCanada. Ngo-2022, iCanada izokwazi ukwamukela abokufika abangama-55,900 nge-Express Entry. Iziphathimandla zethemba ukuthi zizokhuphuka ziye ku-111,500 ngo-2024.

Uhlelo lusebenzisa uhlelo olusekelwe kumaphuzu, i-Comprehensive Ranking System (CRS), ukuklelisa amaphrofayili abafake izicelo. Abafakizicelo abathole amaphuzu aphezulu bazothola Isimemo Sokufaka Isicelo (ITA) futhi bangafaka isicelo sokuba ngumhlali unomphela.

Ingabe i-GIC yanele ukuze uthole ubufakazi bezimali?

Yebo, uma ufaka isicelo semvume yokufunda. Ungasebenzisa i-Guaranteed Investment Certificate (GIC) esikhungweni sezimali sase-Canada esibamba iqhaza. I-akhawunti yokutshalwa kwezimali enikeza isilinganiso senzalo esiqinisekisiwe phakathi nesikhathi esinqunyiwe. Kuyimpoqo uma ufaka isicelo se-visa yokufunda ukuze ufunde eCanada. Kodwa-ke, kufanele ihlanganise sonke isikhwama osidingayo uma kungesinye isigaba sama-visa.

Isiphetho

Sengiphetha, ukuthuthela eCanada njengomuntu oyedwa, umlingani womshado, noma umfakisicelo womndeni kufanele kungabi nankinga. Kufanele ubonise u-$13,310 kumuntu oyedwa njengezimali ze-IRCC Settlement ngenkathi uthuthela e-Canada. Uhulumeni waseCanada uyakuvumela ukuthi ubonise ubufakazi bezimali ezitokisini, amabhondi, umgcinimafa, ama-mutual funds, kanye nezitatimende zasebhange. Ngemva kokufaka isicelo sakho se-visa yokuhlala unomphela, uzodinga ubufakazi bakho bezimali futhi uthole i-ITA kuhlelo lwe-Express Entry. Kuzokusiza ukuthi uchume eNyakatho Emhlophe Enkulu.