getting a loan for application?

[ifear]

Hi there I was going through some of the available paperwork on the website and I was hoping someone might be able to give me some insight on what you need to know about possibly getting a loan for the sponsorship paperwork. Is there a min amount you have to make monthly to be approved? What are the various circumstances they look for to approve you for this? Right now my husband is shouldering the burden of taking care of both of us financially until I'm able to work here in Canada so this could prove to
be tremendously helpful if we could get the loan and then pay it once I have gotten a work permit. Any help would be great thank you. Also a link to any information and he actual loam paperwork would be helpful.

 

[chipolopolo]

Hi there I was going through some of the available paperwork on the website and I was hoping someone might be able to give me some insight on what you need to know about possibly getting a loan for the sponsorship paperwork. Is there a min amount you have to make monthly to be approved? What are the various circumstances they look for to approve you for this? Right now my husband is shouldering the burden of taking care of both of us financially until I'm able to work here in Canada so this could prove to
be tremendously helpful if we could get the loan and then pay it once I have gotten a work permit. Any help would be great thank you. Also a link to any information and he actual loam paperwork would be helpful.

You do not need to make a certain amount of money to be a sponsor. As long as your husband is not on welfare, is not a criminal, and has not filed for bankruptcy then he qualifies. CIC doesnt base sponsorship on amount of money so save yourself some debt, and forget about getting a loan. He will do just fine so long as he has a job regardless of what he makes.

 

[brucem]

You do not need to make a certain amount of money to be a sponsor. As long as your husband is not on welfare, is not a criminal, and has not filed for bankruptcy then he qualifies. CIC doesnt base sponsorship on amount of money so save yourself some debt, and forget about getting a loan. He will do just fine so long as he has a job regardless of what he makes.

This is not entirely accurate, although there is no financial requirement to sponsor your spouse CIC do want to know how the sponsor will support his/her spouse and dependents (where applicable). If you do not detail how you plan on supporting yourself you could run into some issues. CIC want to be sure that you will not require welfare during the three years that your spouse will be financially responsible for you. It is best to outline your plan to CIC about how you intend to support yourselves, it does not mean you will have to take out a loan but if you can put a relatively sound plan in place it may avoid any hassle.

 

[rhcohen2014]

This is not entirely accurate, although there is no financial requirement to sponsor your spouse CIC do want to know how the sponsor will support his/her spouse and dependents (where applicable). If you do not detail how you plan on supporting yourself you could run into some issues. CIC want to be sure that you will not require welfare during the three years that your spouse will be financially responsible for you. It is best to outline your plan to CIC about how you intend to support yourselves, it does not mean you will have to take out a loan but if you can put a relatively sound plan in place it may avoid any hassle.

the sponsor has a job. there is no need to provide any details beyond what the applicaiton is asking for. if the sponsor has a job, doesn't use welfare, doesn't owe child support, or has filed for bankruptcy, there is a 0-slim chance CIC will inquire about the sponsor's income. just answer the questions that are asked and provide the information being requested, there's really no need to clarify anything and assume CIC is looking for something that is not on the application. doing that just makes more work for you, and can cause suspicion on CIC's end as to why information is being provided when it wasn't requested. providing MORE than necessary is not always the right or best approach. there really doesn't need to be a concern about sponsor eligibility if all requirements are met.

the way i read the op's question, it sounds more like they are asking if a loan should be taken out to pay for the sponsorship application. if that's the question, i say there is no need and any small loan taken would have a ridiculous interest rate. the only fees that must be paid upfront are the sponsor fee and the applicant fee. if money is tight, then wait until the end to pay the right of permanent residency fee. whether the sponsor has personal loans is of no concern to cic.

 

[chipolopolo]

the sponsor has a job. there is no need to provide any details beyond what the applicaiton is asking for. if the sponsor has a job, doesn't use welfare, doesn't owe child support, or has filed for bankruptcy, there is a 0-slim chance CIC will inquire about the sponsor's income. just answer the questions that are asked and provide the information being requested, there's really no need to clarify anything and assume CIC is looking for something that is not on the application. doing that just makes more work for you, and can cause suspicion on CIC's end as to why information is being provided when it wasn't requested. providing MORE than necessary is not always the right or best approach. there really doesn't need to be a concern about sponsor eligibility if all requirements are met.

the way i read the op's question, it sounds more like they are asking if a loan should be taken out to pay for the sponsorship application. if that's the question, i say there is no need and any small loan taken would have a ridiculous interest rate. the only fees that must be paid upfront are the sponsor fee and the applicant fee. if money is tight, then wait until the end to pay the right of permanent residency fee. whether the sponsor has personal loans is of no concern to cic.

yes rhcohen, she is actually asking to get a loan to pay for the application, the interests would be ridiculous as you say. I completely agree with you about writing a letter to CIC explaining money situation. ONLY people required to do this are people without a job. I have never come across a case in which CIC asked for specific amount of salary for a family class. Even college students working hourly jobs sponsor their spouses, or common law easily.CIC is very lenient, unlike the USA when it comes to income, and family.

 

[brucem]

the sponsor has a job. there is no need to provide any details beyond what the applicaiton is asking for. if the sponsor has a job, doesn't use welfare, doesn't owe child support, or has filed for bankruptcy, there is a 0-slim chance CIC will inquire about the sponsor's income. just answer the questions that are asked and provide the information being requested, there's really no need to clarify anything and assume CIC is looking for something that is not on the application. doing that just makes more work for you, and can cause suspicion on CIC's end as to why information is being provided when it wasn't requested. providing MORE than necessary is not always the right or best approach. there really doesn't need to be a concern about sponsor eligibility if all requirements are met.

the way i read the op's question, it sounds more like they are asking if a loan should be taken out to pay for the sponsorship application. if that's the question, i say there is no need and any small loan taken would have a ridiculous interest rate. the only fees that must be paid upfront are the sponsor fee and the applicant fee. if money is tight, then wait until the end to pay the right of permanent residency fee. whether the sponsor has personal loans is of no concern to cic.

Sorry I dont agree, there may be a slim chance....but its still a chance. Say for example the sponsor is earning minimum wage or has a temporary contract, they may be able to support themselves but adding a spouse and child to that would be very difficult. I dont think it does any harm to explain how you plan to support your stay, if for no other reason than to avoid CIC wanting further information. Detailing a short plan is a small price to pay to avoid delays in the application. I worked from a 'cover all possibilities' stance when I completed mine. IMM5481 specifically asks about the sponsors income for the past 12 months.

 

[keesio]

CIC has, in the past, been known to ask sponsors for T4 slips, paycheque stubs, and proof of funds after SA (around PPR time). What triggers this I don't know.

 

[keesio]

Here is one example I remember (Katester);
http://www.canadavisa.com/canada-immigration-discussion-board/canadian-woman-marrying-american-man-and-living-in-canada-t212189.0.html;msg3189510#msg3189510

Pretty surprising, especially considering that her husband is in the Canadian military. Normally CIC is pretty respectful of military members. Maybe that case officer was being a total grouch.

 

[rhcohen2014]

Here is one example I remember (Katester);
http://www.canadavisa.com/canada-immigration-discussion-board/canadian-woman-marrying-american-man-and-living-in-canada-t212189.0.html;msg3189510#msg3189510

Pretty surprising, especially considering that her husband is in the Canadian military. Normally CIC is pretty respectful of military members. Maybe that case officer was being a total grouch.

yeah, this particular member had a difficult time with approval. it seems odd that military sponsors are scutinized more than civilians (there seemed to be others around that time too). we don't know what was written in the actual application to warrant a concern. i still don't think it means sending in more than what's asked for. that's just me. everyone's case is unique.

 

[brucem]

CIC has, in the past, been known to ask sponsors for T4 slips, paycheque stubs, and proof of funds after SA (around PPR time). What triggers this I don't know.

Yeah thats kind of what I was getting at. Rhcohen was intimating that you shouldn't create extra work for yourself. My plan took ten minutes to write. Ten minutes versus 2/3 month delay in processing...I know what I'd rather do! I agree the chances of it affecting sponsorship are minimally low and I've never heard of anyone being denied but with CIC you just never know. Leon also posted something similar last year in a thread about financial requirements which is why its always stuck in my head.

 

[keesio]

yeah, this particular member had a hard time with approval. it seems odd that military sponsors are scutinized more than civilians.

Definitely odd and wrong (though I think Katester probably just was unlucky with an officer who was being really tough). It seems it should be the other way given their service to Canada. And normally military members are given more slack than the reverse. One of the few people who can have their days abroad counted for not only PR RO but also even citizenship RO are people in the military being stationed abroad.

 

[chipolopolo]

sounds to me that in that case, the husband was going to be going away for military duty for some months. So perhaps she mentioned that in application, and CIC wanted to know how she would manage without him around. We never know what thoughts cross the visa officers minds. Very isolated scenario though.

After recently learning that some CIC offices are flooded with part time student workers deciding peoples fates, and futures, anything is possible i guess

 

[keesio]

I've heard of other requests so unless the sponsors were all military folks, it seems somewhat random.
http://www.canadavisa.com/canada-immigration-discussion-board/december-2013-outland-applicants-%E2%80%93-join-here-t175041.0.html;msg3176903#msg3176903
http://www.canadavisa.com/canada-immigration-discussion-board/april-2014-outland-applicants-t193926.0.html;msg3351595#msg3351595


There were at least 3 or 4 more I recall who were asked for proof of funds and income just on the US outland or CPP Ottawa forums

 

[chipolopolo]

I've heard of other requests so unless the sponsors were all military folks, it seems somewhat random.
http://www.canadavisa.com/canada-immigration-discussion-board/december-2013-outland-applicants-%E2%80%93-join-here-t175041.0.html;msg3176903#msg3176903
http://www.canadavisa.com/canada-immigration-discussion-board/april-2014-outland-applicants-t193926.0.html;msg3351595#msg3351595


There were at least 3 or 4 more I recall who were asked for proof of funds and income just on the US outland or CPP Ottawa forums

But look closely at the case. The sponsor in this case lives and works outside canada so obviously they cant produce an option C so perhaps thats why they are being asked for proof of funds, and intent to return etc. They is always something that triggers officers to request things. Anyways interesting cases. Always better to be ready. Good points though. Thanks for enlightening me

 

[ifear]

Thanks everyone for your responses!

No I was not asking for income information for the sponsorship application, just about a loan to pay for the entire application itself. Am still curious to see what kind of options we would have with the loan. Just 'waiting for more money' isn't something we really want to do, hence the reason were looking at getting a loan. So if anyone can provide information other then their opinion on whether or not we should get it would be helpful. How exactly would I go about not paying the fees right away?! I didnt even know that was possible....

New Question as well!:

It asks for my husbands Notice of Asessment, what exactly is this? My mother in law says that it has to do with my husband having filed taxes and he has never done that. He was thinking of filing this year, are we going to have to wait for a response from the government after filing in order to get the notice of asessment?