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Nairaland Forum / Nairaland / General / Travel / Living In Canada/Life As A Canadian Immigrant (2047233 Views)
Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant / Living In Australia/life As An Australian Immigrant (2) (3) (4)
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Re: Living In Canada/Life As A Canadian Immigrant by SlowlybtSurely: 3:44pm On Aug 22, 2017 |
dupyshoo: Sounds like a nice plan. Ehrnie: No worries. Even if you miss your connecting flight, the airline would usually put you on the next available one. Hopefully, it won't be the next day. ![]() |
Re: Living In Canada/Life As A Canadian Immigrant by Ehrnie: 3:47pm On Aug 22, 2017 |
dupyshoo: I pray so o ![]() ![]() ![]() 7 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by dupyshoo: 3:48pm On Aug 22, 2017 |
Hehehe. ![]() Ehrnie: |
Re: Living In Canada/Life As A Canadian Immigrant by Ehrnie: 3:49pm On Aug 22, 2017 |
SlowlybtSurely: I may just pass out if it's the next day...haaaaa after flying over 10 hours, that would be torture ![]() |
Re: Living In Canada/Life As A Canadian Immigrant by dupyshoo: 3:50pm On Aug 22, 2017 |
Yes my sis. Hehehe, @Ehrnie, you will sleep in Vancouver. You will use that opportunity to know Vancouver. SlowlybtSurely: |
Re: Living In Canada/Life As A Canadian Immigrant by dupyshoo: 3:50pm On Aug 22, 2017 |
![]() Ehrnie: |
Re: Living In Canada/Life As A Canadian Immigrant by Ehrnie: 3:55pm On Aug 22, 2017 |
Re: Living In Canada/Life As A Canadian Immigrant by SlowlybtSurely: 3:57pm On Aug 22, 2017 |
Ehrnie: Would you rather trek? ![]() It should be fun though. As na only you dey waka go. If to say children join, body go tell you. ![]() 3 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by MissShakara: 4:31pm On Aug 22, 2017 |
I thought PRs can apply for study loans which they can start paying after graduation? Or did I read wrong? I'm in a licensed profession and from my maths, it could take me 3yrs to qualify to practice in Canada plus I plan to enrol in a masters program to get the much needed Canadian education. Do you guys know of Nigerian lawyers who took this route? Do they have jobs? Are they doing well? What I'm asking is if it's worth the time and money at the end or would I be better of taking a cert or diploma program and switch careers. I know this is more of a personal decision but I would like to hear your opinions and advice. On the housing matter, my fear is that a mortgage may tie one down to a particular city and therefore limit options. But on the other hand, paying rent for 4yrs does seem like a waste... salford1: 6 Likes 3 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Ekpekus(m): 4:45pm On Aug 22, 2017 |
dupyshoo:Sure.. this was my case with westjet after we missed our connecting flight from Toronto as a result of Fly Emirates delay at DXB. Though landing process was swift 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by Ekpekus(m): 5:07pm On Aug 22, 2017 |
MissShakara:For loan for PR, yes For Masters I would advice weigh all your options first and see if there are alternative routes like bridging programs. And I know you would also want to earn and spend Canadian dollars rather than dipping into the pof, so a part-time job might not be a bad idea.. Also research on this body "Immigrant Access Funds" they help professional settle while trying to get back to their career paths. 22 Likes 14 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by vcole: 5:28pm On Aug 22, 2017 |
You are right. As a pr you qualify for student loans and that application even takes into consideration whether you have to pay rent or mortgage when they are assessing your financial need. I was going to bring this up as well when salford posted this about the purchase of a house being a limiting factor for this person's studies because I do not see how. @ dupyshoo, you do require a job for which you are no longer in the probation stage to qualify for a mortgage. You may be self employed and qualify but you have to pay a minimum down payment of 35%, same as if you bring in foreign income for the purchase. There are also rules that determine the value of property you are qualified for a mortgage for. There is a rule that your monthly mortgage and property taxes and utilities like condo fees and heating all put together should not be more than 40% of your gross monthly income. (I am not too sure of this 40% but it is about that range). So, naturally, a family income of $50k should not qualify for a mortgage for a house valued at $500k even if they put down a 35% down payment. These persons going to get Indian or Nigerian mortgage lenders to obtain approval for homes that they wouldn't be able to qualify for otherwise are bending the rules to favour themselves. MissShakara: 2 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by dupyshoo: 5:52pm On Aug 22, 2017 |
If this is so, how do people manage to get mortgage approval through the backdoor? Are there no underwriters that check affordability before final approval? If this continues, I can foresee house price crash soon as people will start defaulting in their mortgage payment. Don't lender even do credit check in Canada? One single default here will almost guarantee you rejection as you need a good credit rating to get mortgage. What happens if interest rate rises as they are so low now? What about house maintenance? Anyway, make den give my family mortgage. vcole: |
Re: Living In Canada/Life As A Canadian Immigrant by MissShakara: 5:57pm On Aug 22, 2017 |
Thank you for your advice. There are bridging programs but verrrrry expensive...like $30-40k expensive. There is also a cheaper option of self study then pay for just the exams. I put the masters in the mix for the sole purpose of networking and getting references..because even after passing those exams, one is required to secure an internship called articling position which last for about a year before taking the Bar. So I thought the masters may help in providing leads for such positions, will check well anyway. Yes I'll definitely pick up any job while studying, I have mouths to feed. Ekpekus: |
Re: Living In Canada/Life As A Canadian Immigrant by MissShakara: 6:04pm On Aug 22, 2017 |
Thanks for the clarification on student loan cos I need that option in case I decide to go for plan B. So if that is the case then I don't see why the couple didn't get into school for any desirable program...although it must be full time program and as professionals maybe they were hell bent on getting their licence alone. vcole: |
Re: Living In Canada/Life As A Canadian Immigrant by yokus(f): 6:09pm On Aug 22, 2017 |
salford1: Very very interesting discussion. Kudos to the contributors. Sir salford we dey expect more pictures ooo |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 6:39pm On Aug 22, 2017 |
MissShakara:I have a younger colleague back from university. She studied law back in Nigeria. She came to study msc at the university of manitoba. Not long after she graduated, she moved to i think nova scotia and is now working as an articulating student or sometjing like that with the government of NS. I think that is the final step to get her license to practice law in canada. There are not much jobs better than government ones in Canada. 6 Likes 2 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Ehrnie: 6:39pm On Aug 22, 2017 |
SlowlybtSurely: Hahaha I am a child o...is it because I am migrating? Don't be deceived o...I am a child (of God). 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 7:31pm On Aug 22, 2017 |
Ekpekus:Yep..immigrant access fund is good. That was what my spouse used to pay for her preparation lessons and licensing exams. Some of the bridging programs are not free. She initially approached one, the best one in the city, she made it through their competitive process, and she was also eventually billed $15k. We pulled out and she attended got on one which was free, but she did not gain much from it. She said it was a waste of time. Fianlly, took the IAF, studied hard on her own for 2 years, bought materials on amazon and cleared all her exams. Sometimes, having a canadian education could open doors. Alberta health service for example is notorious for hiring graduates from Canadian uni for some specific professions. Its almost impossible for grads from foreign uni to get some jobs despite having a license to practice. (They dont state it but it is pretty obvious). 12 Likes 4 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 7:38pm On Aug 22, 2017 |
yokus:you met me well. lunch time, come chop ![]() 26 Likes 2 Shares
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Re: Living In Canada/Life As A Canadian Immigrant by ugoiyke79e: 8:22pm On Aug 22, 2017 |
soja84: Hello soja, I also plan to move to regina next march.....same reason influence my choice of landing there first. can we rob minds? 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by Ekpekus(m): 8:24pm On Aug 22, 2017 |
salford1:You don dey chop like Canadian abi? Looks good sha ![]() ![]() When you enter town Abeg holla at your boy ![]() |
Re: Living In Canada/Life As A Canadian Immigrant by ugoiyke79e: 9:05pm On Aug 22, 2017 |
Blackbuddy: I sent you a PM sir...please reply. |
Re: Living In Canada/Life As A Canadian Immigrant by pauloverdi: 9:06pm On Aug 22, 2017 |
Wonderful points made on both sides regarding the to buy or not to buy a house debacle! Made for excellent reading I must say. Now for those jjc's (like me) that want to simply rent and are being confronted with new meanings for the word HYDRO and stuff instead of phcn and lawma, please can we have an extensive beginners guide to renting a house in canada. Preferrably customised to suit a family with kids... Before person go mis-rent oo 19 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by TheCongo2: 9:49pm On Aug 22, 2017 |
dupyshoo: Hello dupyshoo, Actually, the RBC bank has a program to assist new immigrants buying their first homes in Canada. You have to be living in Canada FOR LESS THAN 2 years to qualify for this program and there is no credit check. http://www.rbc.com/newcomers/ In addition to that, RBC will also give you a credit card as a new immigrant without any credit check. My recommendation is that if you can get the mortgage with RBC, GO FOR IT. You can chose to buy a house that can be easily put for rent and let your tenants pay your mortgage. Instead of spending your energy into hard labor as a new immigrant, you can always invest into real estate and collect money from your tenants. I have seen for instance people buy houses around college campuses and rent rooms to college students. In life, it’s risky to take a risk, but it’s even riskier not to take any risk at all That was my 2 cents. 43 Likes 14 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by sweetrie(f): 10:57pm On Aug 22, 2017 |
Hello. Please with all the information I have gathered, they say getting residency positions for foreign doctors is almost impossible even after passing exams. Only 4% - 6% of IMGs get a spot after all Canadian medical graduates get their own spots. Any advices, suggestions and information would be highly appreciated. Is it worth it knowing you won't get to practice for years?? @vcole and anyone with info, idea or thoughts. Thank you very much. |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 11:26pm On Aug 22, 2017 |
sweetrie:Vcole would be best able to answer this question since she is a doc. She must have gathered enough info. I know some province have programs in place if you want to work in small towns or northern parts of provinces as a family physician for a few years. A friend's husband was on that kind of program with an health region in northern saskatchewan. I think his contract is ending this year, and they are planning to move to a more urban location. I am not sure if the program is still on or suspended. |
Re: Living In Canada/Life As A Canadian Immigrant by sweetrie(f): 11:31pm On Aug 22, 2017 |
salford1:Thank you. I have read of such programs. The general consensus is that the available spaces are very few. Thanks again. I will continue researching |
Re: Living In Canada/Life As A Canadian Immigrant by follyzee: 11:36pm On Aug 22, 2017 |
Hi czaratwork We are awaiting your response. Spent the whole of Sunday looking out for your post Thanks alot saskgirl: 2 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 11:56pm On Aug 22, 2017 |
Ekpekus:Bros...remember the popular saying: When in Rome, do as the Romans do ![]() 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by greetings(f): 1:09am On Aug 23, 2017 |
Finally gotten here after two "lazy" weeks. ![]() Very informative and interesting thread, officially moved here from the EE thread. Planning and preparing for our trip in a couple of months. Seen familiar faces, sorry monicas ![]() @40manlappy, your post led me here. Cheers all, may we all live to witness and actualize our canny dreams. 8 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by maternal: 1:48am On Aug 23, 2017 |
pauloverdi: Hydro is power. When you rent, you can have things like hydro, water, internet, etc specifically under your name. Meaning on top of your rent, you'll be getting those bills. Or you can rent a place that is all inclusive. Which means your rent also covers all those things mentioned above. At times you can get half and half. So your rent would cover water as well but not internet. When I use to rent, I'd always try to get all inclusive. But if those things above are under your name, not paying them can/would affect your credit score. 18 Likes 6 Shares |
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