What are the advantages and disadvantages of investment immigration in Quebec, Canada?

Canada has one of the best welfare systems in the world. Free medical system, family allowance, pension, unemployment allowance, milk money, etc. Covers almost every aspect of life. Excellent welfare system is also an important aspect of attracting immigrants in Canada. Quebec, a special existence in Canada, has a better welfare system than the federal and other provinces, which is one of the reasons why Quebec investment immigrants are so popular.

Introduction to Quebec welfare

1 unemployment insurance

Unemployment insurance should be one of the first benefits for new immigrants. As long as the working hours in the year before the application have reached more than 900 hours, the laid-off can receive EI. If it is the second application, the working time before being laid off is only 600 to 700 hours. In Quebec, you only need to work 520 hours in the past year when you apply for the second time.

Generally speaking, you can get 55% of the average after-tax salary in the last 26 weeks after receiving EI. If you have children, you can get more. You can get 75% of the average after-tax salary in the last 26 weeks.

2. Social welfare payment

If you really don't want to work, the government won't let you starve to death. For example, beggars on the street live on the government's social welfare besides begging for income.

The conditions for applying for social welfare funds vary from province to province, and Quebec is the best. According to a survey, the proportion of people applying for social welfare funds in Quebec is 6%, and the average time for applying for social welfare funds in Quebec is 39 months, far exceeding 13 months in other provinces. And in Quebec, you can apply as long as you meet the application conditions.

All medical care, including dental care, for families applying for social welfare is completely free. The most important thing is that the record of applying for social welfare benefits will be automatically eliminated after two years, so that there will be no bad records in the future. This is the real welfare.

3. Pension

Quebec's old-age pension scheme is divided into two parts. Part of it is CPP (Federal Retirement Savings Plan) or QPP (Quebec Retirement Savings Plan) deducted from wages during work, and 834 yuan is returned every month after retirement at the age of 65; The other part is the federal pension fund, and the sum of the two is the pension you can receive.

According to the current policy, you can apply one year before retirement (generally 65 years old) and get 1 120 yuan in the first month after retirement. The amount of old-age pension is calculated according to the price index. In any case, the deficiency of QPP or central pension plan will be paid by the government's pension plan for the elderly to ensure that the elderly get the needed pension.

Canada's pension still smells like a pot of rice. As long as you work in Canada for more than ten years, you can enjoy it. The standard is the same (there is no difference between working for 50 years and 10 years). Even if you work for less than ten years, you can get it, but the pension will be reduced accordingly.

You can also choose to collect it in advance or later, but the amount is different. Those who receive a pension at the age of 60 only receive 70% of the monthly standard; If you choose to collect at the age of 70, you can get the monthly standard 130%. If you die unfortunately before receiving the pension, you can receive 6000 yuan funeral expenses, and CPP or QPP for more than three years can be transferred to your wife or children.

4. Milk gold

Milk gold is divided into federal milk gold and Quebec milk gold (only Quebec in Canada has a single milk gold). The federal milk fund is relatively simple. Children aged 0-6 are allowed a maximum of 3,000 yuan a year, and children over 6 years old have corresponding relief.

Of course, parents' income will also affect the amount of milk money. When the family income reaches 35,000 yuan, they can only get half of the milk money. When the family income reaches 55,000 yuan, there is basically no milk money to take.

Different from other provinces, Quebec has distributed a milk fund for children on the basis of the federal milk fund, and it has been increasing in recent years, from the initial 52.08 yuan/month to 166.66 yuan/month. Like the federal dairy fund, the amount of Quebec dairy fund is also related to family income.

In addition to milk money, there are various welfare tax refund plans prepared by Quebec for parents of children. For example, 75% of day care expenses can be reimbursed; 2800 yuan/year work premium, families without children can only get 1/3.

5. Parents' money

QPIP was released on June 65438+ 10/day, 2006. Starting from June 65438+ 10/2006, Quebec's parents' pension plan will replace the federal unemployment insurance (EI) for pregnant women, and Quebec people will enjoy better benefits than other provinces.

According to the federal pregnant women's EI plan, the first application for pregnant women's EI only needs to work 600 hours in the past year (it takes 900 hours to apply for ordinary EI), while the Quebec parents' fund plan changes this to the applicant's income of 2,000 yuan in the past year (settled in one or two months); Self-employed people can't enjoy the federal EI for pregnant women, but Quebec parents' pension plan allows self-employed people to enjoy the plan after paying the corresponding insurance premium.

The original pregnant woman EI is divided into 15 weeks maternity allowance plan (only mothers can enjoy it), 35 weeks parental leave (all children can enjoy it within one year after birth, regardless of their parents), 5 days personal leave and 15 weeks sick leave. Anyway, a * * can enjoy a 65-week holiday (which can be freely distributed by parents), and receive 75% of the original salary during this period (only 55% for ordinary EI).

Quebec Parents' Fund plans to increase the length to a maximum of two years on this basis, so that parents can have more time to take care of their children. The implementation of the Quebec parents' pension plan has also changed the original payroll. The original wage income is 2. 100 yuan, and now it is reduced to 1.75 yuan. The difference of 0.40 will be transferred to the Quebec parents' pension plan to pay the Quebec parents' pension.

6. Pregnancy allowance

Yes, you are not mistaken. Quebec also has a pregnancy allowance. If a pregnant woman is a social welfare recipient and has no maternity leave and special unemployment allowance, she can apply for special pregnancy allowance in Quebec.

This allowance is 40 Canadian dollars per month, which is received from pregnancy to the birth of the child. The money was added to her original social welfare fund to improve her diet and protect the health of mother and child during pregnancy.

When applying for this project, you must provide the pregnancy certificate issued by the hospital, and contact the person in charge of the welfare fund of your Quebec employment center to go through the application procedures. Once you know that you are pregnant, you should apply as soon as possible.

7. Child care allowance

The federal government's compulsory education framework is 5- 18 years old. Before or after this stage, families have responsibilities, and Quebec is no exception. However, the cost of child care varies greatly among provinces, ranging from 30 yuan/day to 7 yuan/day, and Quebec is at a low level.

Public childcare fees in Quebec are all 7 yuan/day, while private ones range from 10 yuan to 25 yuan/day. In principle, the childcare fee is not subsidized. However, if both parents are working or studying and are low-income families, they can get certain subsidies.

8. French research grants

New immigrants can enroll in the French study organized by MICC within five years to help them better integrate into the French-speaking society.

This program is 8- 10 months, and COFI is divided into three grades. Usually, level 1-2 can be repeated once, and level 3 cannot be repeated. Each level lasts about two and a half months, and the subsidy is 460$/ month, requiring full-time study. The school will also provide child care subsidies according to the students' situation and consult in the first week of school.

9. Special allowance

If you have a baby under 6 years old at home and you have the privilege, I suggest you enroll in the "certificate class" of Quetta University. You only need to study during business hours (only two mornings a week), but you can get full-time subsidies. The amount of subsidy is about 1000 yuan/month, depending on the number of families or the age of children.

Introduction to Quebec education

1. Bilingual education

Quebec is the most successful area of bilingual education in the world, and the quality of education is also first-class in Canada. Mcgill University, one of the best universities in Canada, is located in Montreal.

Quebec's education system is very practical, pays attention to talents, and has a successful vocational training and employment system. At the same time, it also provides children with an opportunity to master bilingualism, so that they can better discover Quebec culture and gradually integrate into the new living environment.

2. Public colleges

Quebec Public College (CEGEP) provides two years of general education or three years of technical education between middle school and university, which is equivalent to the third year of high school and the first year of university in China.

The specialty setting and the number of students in Canadian vocational education are limited by the macro-control of the job market demand. Vocational education is for the smooth employment, and students who wish to pursue further studies can continue to apply for university studies after completing CEGEP studies. At this stage, the government can successfully and timely divert talents and get what they need.

CEGEP is a major feature of Quebec's education system, and its hours and credits are recognized by the international community. Studying in Quebec is equivalent to getting on the train of Quebec's multi-level employment social security system.

3. University education

The length of university study depends on the requirements of different majors and levels chosen by students. There are many universities, institutions of higher learning and research institutes in Quebec, mainly in Montreal and Quebec City.

Among them, McGill University is the most prestigious, ranking first in Maclean magazine for several years in a row, and middle school students in Canada are proud to be admitted to McGill University. Medicine, literature, law, engineering, natural science and agriculture are the best subjects in McGill University.

Concordia University also has a long history and has made great achievements in computer and business. Concordia's business school is world-famous, especially finance, which ranks first in Canada year after year.

Seeing this, I don't know if you have a heart. Now the most popular investment immigration quota in Quebec, Canada, is in hot pre-sale!

Quebec immigrants have always occupied an important position in the Canadian immigration market with the advantages of low investment and low risk, and are definitely one of the golden safe passages for immigration to Canada. As the only step to get a Canadian green card.

★ No academic qualifications, no English requirements and no age limit;

★ Get the maple leaf card in one step;

★ Do not need a business plan, and do not need to start a business or run a business after arriving in Canada;

★ You don't need to own enterprise shares, and enterprise managers can also apply;

★ The investment is guaranteed by the government, which is safe and risk-free;

★ High welfare benefits, first-class education platform and high-quality living standard;

Applicant requests

* Generally speaking, there are no restrictions on age, language and education.

* The applicant is over 48 years old and needs to meet at least full-time technical secondary school education.

Application conditions

* The applicant has more than two years' experience in operating/managing enterprises in the past five years;

* The applicant has successfully earned family net assets (including bank deposits, real estate, stocks, bonds, enterprises, etc.). ) more than 6.5438+600,000 Canadian dollars.

Investment requirements

* You only need to pay a lump sum of $220,000 as interest on a five-year loan of $800,000, which is non-refundable.

* The loan interest may be adjusted according to the interest rate changes in the Canadian financial market, and the Bank of Canada has the final right to interpret the loan interest.