Au Canada, conformément aux lois concernant les prêts hypothécaires entrées en vigueur en 2012, la durée maximale d’amortissement d’un prêt à ratio élevé n’est plus de 30 ans, mais de 25 ans.

Cela veut dire que tout emprunteur dont le versement initial est inférieur à 20% de la valeur de la propriété doit se conformer à un terme maximal de remboursement de 25 ans. Les nouvelles réglementations impliquent également une diminution du montant maximal de refinancement hypothécaire. Si avant l’entrée en vigueur des lois mentionnées ci-dessus ce montant équivalait à 85% de la valeur de la propriété, à présent il correspond à 80% de cette valeur. En outre, il n’est plus possible de contracter une assurance de prêt hypothécaire si la valeur de la propriété faisant l’objet de l’hypothèque excède le montant de 1 million de dollars. L’assurance hypothécaire de la SCHL reste obligatoire pour les emprunteurs qui effectuent un premier versement dont le montant n’excède pas 20% du prix de l’achat.


In Canada, according to the 2012 mortgage laws, the maximum amortization period for a high ratio loan is no longer 30 years but 25 years.

This means that any borrower whose initial payment is less than 20% of the value of the property must comply with a maximum term of repayment of 25 years. The new regulations also imply a reduction in the maximum amount of mortgage refinancing. If before the entry into force of the aforementioned laws this amount was equal to 85% of the value of the property, it now corresponds to 80% of this value. Moreover, it is no longer possible to contract mortgage insurance if the value of the property subject to the mortgage exceeds the amount of $ 1 million. CMHC mortgage insurance remains mandatory for borrowers who make an initial payment, the amount of which does not exceed 20% of the purchase price.

This official document that serves to prove your permanent residence in Canada is essential if you have left the country and want to return on a commercial carrier (airplane, boat, train or bus).

How do I get this card?

From June 2002, the permanent resident card is issued automatically by the Canadian authorities after obtaining the Canadian residence. This means that if you have already been declared as a permanent resident of Canada, you are not required to apply for another permanent resident card. Your sole responsibility regarding this document is that of the renewal process, which shall take place every five years. The application for renewal shall be made to the Department of Citizenship and Immigration Canada. Do not forget to check your permanent resident card to make sure it is still valid and that your renewal application will be submitted well before the expiry date.

When do I need to renew my permanent resident card?

Canadian Citizenship

Do you intend to apply for Canadian citizenship? You must know that the eligibility of your application will depend on certain criteria constituting the first reasons for prohibition (such as your age, permanent resident status, the period during which you resided in Canada, language skills, absence of criminal history) and on a good knowledge of the country.

Permanent resident status in Canada is a mandatory requirement you have to meet if you wish to become a Canadian citizen. In addition, this status needs to be very clear; It means that if you are the subject of an investigation, an immigration application or if you have been subject to a formal order to leave the country, your resident status is questioned and your application for citizenship is not eligible.

As regards the period during which you lived in Canada, the minimum required period is at least three years, a total of 1,095 days in the last 4 years prior to submitting your application for citizenship. This condition does not apply to children.

The period during which you have lived in Canada before obtaining your permanent residence is also taken into account, provided that this period is considered part of the four years provided for by law.

You must also show adequate command of English or French, the two official languages of Canada. Why? English or French language skills are required to demonstrate that you will be able to adequately integrate with people who speak one of these languages; You should therefore understand them and communicate with them.

Your application for Canadian citizenship cannot be considered eligible if you find yourself in one of the following situations:

  • You have been convicted of an indictable offense or an offense under the Citizenship Laws in the three years prior to submitting your application;
  • You have been the subject of criminal charges under the citizenship laws;
  • You are imprisoned, conditionally released or granted a suspension of the sentence (probation period);
  • You are being investigated for war crimes and crimes against humanity, you are charged or convicted in this category of offenses;
  • You have been subject to a removal order, which means that you have received an order from the Canadian authorities to leave Canada;
  • You have lost citizenship in the 5 years preceding the date of your application.

If you have been granted a suspended sentence or you are charged and you are awaiting trial, you will not be able to apply for citizenship until after the probation period has expired.

Getting Canadian citizenship also means meeting certain residency requirements; If you have been on probation, conditionally released or imprisoned within the last 4 years, you may be considered ineligible in the course of the process of obtaining Canadian residence.

Periods spent in prison or probation periods following conviction are not counted as periods of residence in Canada. However, if you have been on probation following a parole decision, this period is considered as part of your time of residence.

A good knowledge of the country implies a good understanding of your rights and obligations as a Canadian citizen. The other areas that weigh heavily on your assessment are Canadian history, institutions, values, and symbols.

A humanitarian application involves taking into consideration certain humanitarian criteria. As an immigrant in Canada, you can apply for special approval to reside in Canada on humanitarian considerations until your visa application is accepted or denied. Usually, humanitarian applications are very rare, they are considered as a last resort to extend or obtain residency in Canada. Contact our specialists to learn all the necessary information if you intend to apply for a visa in the category of humanitarian considerations.

Humanitarian applications

Appeal from a decision on permanent residence

Permanent resident status in Canada offers you the right to enter and reside in Canada.

Having obtained the permanent residence does not mean that you no longer have any obligations to maintain this status. Thus, you have an obligation to reside in Canada for a minimum of two years in the last 5 years. It is not compulsory for the two years to be consecutive; this period can be accumulated by counting all the periods spent inside or outside the country presented in the following cases:

Periods of times when you are physically present in Canada

  • The periods of time during which you’ve accompanied your spouse or your common-law partner who is a Canadian citizen;
  • The periods of time during which you’ve accompanied one of your parents who is a Canadian citizen;
  • Your trip was part of a full-time job for a client of a Canadian company or for the Canadian public administration;
  • Periods of times during which you have accompanied your spouse, common-law partner, or parent, who is a Canadian citizen and has full-time employment for a Canadian company or for the Canadian public administration.

Prior to 2002, a Canadian permanent resident who held a permanent resident permit had the right to reside outside Canada for a limited period of time. Now, this document no longer exists, but if you have a return permit issued a few years ago and you have not yet exceeded the time limit for your stay abroad, you can still benefit from the remaining period. This period will be added to the days of residence.
If your permanent resident status in Canada is more than 5 years old, your days of residence will be counted from the 5 year period preceding the date of obtaining the status.

If your permanent resident status in Canada is less than 5 years old, you have to demonstrate your ability to meet the residency requirements for the 5 years period following the date of obtaining the status.

Once you leave Canada and want to return aboard a commercial carrier, you are required to present your Permanent Resident Card or other travel document that replaces the card for a limited period upon boarding.

If you wish to reside in Canada, you are not required to be a Canadian citizen. Anyway, you will not be able to apply for citizenship if you have not resided for at least 3 years (which must not be consecutive) in Canada. There are several ways of obtaining Canadian citizenship.

Contact us if, when you arrive in Canada, you need assistance with refugee status applications.

A claim for refugee status includes complex aspects which need to be dealt with maximum attention.

We will take care of your case and, in addition, we will represent you before the authorized bodies responsible for granting refugee status.
With us you will enjoy a very good preparation for staying safe in your success on the day of the hearing, one of the key moments of your life.

Hearings for Refugees