安家资金 Settlement Funds

众多申请加拿大永久居民权的外籍人士，在递交移民申请时需证明其经济能力足以支持他们在加拿大定居后的基本生活。

虽然配偶担保和难民申请人不受此要求限制；但绝大多数经济类移民项目申请人都需要提供安家资金来源及相关证明。

Many foreign nationals who wish to apply for Canadian permanent residency must show that they have the ability to financially support their resettlement to Canada.

While spousal sponsorship applicants and refugee claimants are exempt from this requirement, the vast majority of economic immigration applicants will be required to show proof of means of financial support.

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Who needs to show proof of funds?
How much money do I need to bring with me?
What is accepted as proof of funds?

谁需要提供安家资金证明？Who needs to show proof of funds?

此项规定适用于大多数联邦快速通道类别和省提名项目的申请人。值得注意的是，在加拿大可以合法就业且已有工作安排的申请人可以豁免定居资金要求。另外，加拿大经验类（CEC）和魁北克移民项目的移民申请人不受此要求限制。

有已婚配偶或同居伴侣的主申请人，可以将他们共同拥有的资金存入银行联名账户作为安家资金。主申请人也可以将其已婚配偶或同居伴侣个人账户里的资金计入安家资金；但前提是提供书面证明文件，表明在收到移民部颁发的移民邀请函（ITA）时，主申请人可以随时取用上述资金。

This provision applies to applicants through most Express Entry classes of immigration and provincial nominee applicants. Notably, the requirement for settlement funds is waived if the applicant is currently authorized to work in Canada and has arranged employment in Canada. Also, candidates under the Canadian Experience Class (CEC), another program managed by the federal Express Entry selection system, are not required to show proof of funds to support themselves or their family members.

Applicants with an accompanying spouse or common-law partner can include the money they have together under a joint bank account. They may also be able to count money in the account under the accompanying spouse or common-law partner’s name, however, it is important for an applicant to provide written proof that he or she has access to the money once an Express Entry Invitation To Apply (ITA) is issued by Immigration, Refugees and Citizenship Canada (IRCC).

需要携带多少安家资金？How much money do I need to bring with me?

安家资金所需金额取决于主申请人的家庭规模。计算家庭人口数量时需包括：

主申请人；
主申请人的配偶或同居伴侣；
主申请人的受抚养子女；和
配偶或同居伴侣的受抚养子女。

需要注意的是，即使家庭成员不是加拿大公民或永久居民，且/或他们不作为随行家庭成员陪同主申请人前来加拿大，在计算安居资金时他们也必须被囊括在内。定居资金所需金额必须等于或大于下表中每个家庭规模所对应的金额；如主申请人的资金超过以下罗列的最低要求，则需在申请材料中明确所持有的安家资金的具体数额。下表由加拿大移民部发布。

The amount of money needed for settlement funds will depend on the size of your family. To calculate the size of your family, include:

yourself;
your spouse or common-law partner;
your dependant children; and
your spouse or common law partner’s dependent children

Note that even if family members are not Canadian citizens or permanent residents, and/or they are not accompanying you to Canada, they must be considered and included in your settlement funds. The required settlement funds must be equal to or greater than the sums listed below for each family size; If you have more money than the minimum requirements listed below, the total amount should be listed in your profile or application.

含主申请人在内的家庭成员数量 Number of family members	安家资金要求 Funds required in Canadian dollars
1	$13,757 加币
2	$17,127 加币
3	$21,055 加币
4	$25,564 加币
5	$28,994 加币
6	$32,700 加币
7	$36,407 加币
如果超过7人，每增加一名随行家庭成员 If more than 7 people, for each additional family member	$3,706 加币

什么是合规安家资金证明？What is accepted as proof of funds?

为让移民官必须确信在递交移民申请及获批永久居民时有足够的安家资金，申请人必须提供其资金所在金融机构的正式信函。安家资金证明信函必须包含以下内容：

金融机构信笺抬头；
金融机构联系方式（地址、电话、邮编）；
申请人姓名；
未偿债务清单（如信用卡债或贷款）；和
银行账户详细信息（账号、开户日期、当前余额、过去六个月的平均余额等）。

由于相关规定阐明，申请人在抵达加拿大时必须能够合法获得安家资金；因此在提供安家资金证明文件时，不能将所持不动产净资产或从他人处借款包含在内。

An immigration officer must be satisfied that the applicant has access to the funds at the time of applying and if a permanent resident visa is issued. An applicant must provide official letters from the financial institution where his or her money is kept. The official letter to prove access to funds must include the following:

financial institution’s letterhead;
financial institution’s contact information (address, telephone number and email address);
applicant’s name;
list of outstanding debts, such as credit card debts and loans; and
bank account(s) details, such as account numbers, date of opening, current balance(s), average balance(s) for the past six months.

Due to the stipulation that funds must be legally accessible to applicants when they arrive in Canada, you cannot use equity on real property nor money borrowed from another person when showing proof of settlement funds.