Hello Everyone,
We opened a profile for EE, my wife is the mian applicant and our current score is 417, soon to be 425 when my educational assesment is done.
However, my father in law wants to give his daghter (my wife) an amount of money as a gift to support her to apply for EE, so this is not a loan, it's a gift.
How can we proof that it's a gift?
I heard about something called deed of gift, is there an exact form for it? I tried to look for it but there were too many options!
And should this deed of gift be notarized? (We live in Canada and her father also lives here)
In case, we get an ITA within 6 months, the average amount of money in our bank account is going to be less than the requiered amount. Should that be fine as long we have the deed of gift?
Thank you!
I don't know how legitimate this site is *warning*, but it claims to allow you to generate a Canadian Gift Deed:
https://www.legalcontracts.com/contracts/gift-deed/?loc=CA
You might want to do other google searches for templates though, just in case. But yes, I believe a Gift Deed needs to be notarized (or at least executed properly according to the rules of your particular country).
As to your second question, most people tend to misunderstand the ‘6-month’ rule. You do not have to have the required settlement funds for 6 months prior to submitting your application and not touch it, or have your 6-month average meet the threshold. You only have to have the required funds at the time of submission of your eAPR (and again when you 'land', if you get PR).
The ‘6-month’ rule only states that you have to provide a 6-month history of your accounts, not so that IRCC can verify you’ve held the funds for 6 months, but so that IRCC can review your history for any suspicious deposits that could potentially be borrowed funds or proceeds from a loan that you’re trying to pass off as your own unencumbered funds (which you obviously aren't supposed to do).
So, as long as you provide documentation to show that any ‘irregular, large’ deposits are legitimate and are yours, free and clear, to use for settlement (e.g. showing the Gift Deed from your father-in-law), it doesn’t really matter what your average 6-month balance was, or when you finally get to the ‘required threshold’ as long as it’s at the time of eAPR submission
I have arranged all my documents except for POF fund. My father ll gift me 15500$ as gift deed. but the problem is, i only have a NRi aacount in India to which u cant receive money from india. So i opened a NRO account which permits me to receive money from abroad and from india. This account is only one week old. Can that be a reason for rejection, if i Make a gift deed from my father to NRO account which is just one week old? Seniors pls help... 
