It's a personal opinion but keep urself instead of VO and think y would anyone pay interest to bank if they have an option to make a GIC , loan against FD is a negative bcos you pay 13% interest to bank when you could simply deposit it into scotia bank , I think the new rules were made bcos most of the student cancel their loan when they reach Canada . Loan against property is a different case .
Personally I would say don't go for option of loan against FD rest depends on you
Good luck all may god bless all with what they want
Personally I would say don't go for option of loan against FD rest depends on you
Good luck all may god bless all with what they want