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  1. dadofethan

    Is mortgage considered a debt

    Thanks! To further clarify, i know I'm to submit past 6 months banks statement right. So i don't have to submit credit card statement? But i submit mortgage just to be transparent right? My issue is: i have pending debt from another bank, different from my savings account. Will they be able to...
  2. dadofethan

    Is mortgage considered a debt

    Hi would like your opinion on this matter. How does IRCC calculate PoF vs outstanding debt specifically a house loan? I have funds above the minimum required. I am also currently employed which covers my monthly amortization for the house but still have 6 years on the mortgage. Will they hold...
  3. dadofethan

    Dubai unpaid debt

    Hi you seem well-versed so I would like your opinion please. How does IRCC calculate PoF vs outstanding debt specifically a house loan? I have funds above the minimum required. I am also currently employed which covers my monthly amortization for the house. Will they hold the entire remaining...
  4. dadofethan

    Credit card debt and POF confusion!

    Hi All Would this still be relevant in 2020? Anyone have any concrete answer whether credit card debt is relevant? How does IRCC calculate PoF vs outstanding debt specifically a house loan? I have funds above the minimum required. I am also currently employed which covers my monthly...
  5. dadofethan

    For PINOY: About Express Entry Application. Share your idea!

    You can check the minimum CRS for every draw online it is transparently published. Last draw, CRS score of lowest-ranked candidate invited: 471 Use the CRS calculator and plug in your IELTS scores as well as your other details (age, education, etc.) and you can see your CRS even before creating...
  6. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    In absence of diploma, transcript of records (with date of graduation and courses taken) should suffice right? Or at worst certificate of graduation certified by the university? I'm asking because diploma issuance and I think also transcript of records will take 4-6 weeks I'm guessing due to...
  7. dadofethan

    For PINOY: About Express Entry Application. Share your idea!

    How does IRCC calculate PoF vs outstanding debt specifically a house loan? I have funds above the minimum required. I am also currently employed which covers my monthly amortization for the house. Will they hold the entire remaining house loan amount against my funds? Please explain formula if...
  8. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    Just wanted to ask: in the education portion it says the requirement for proof of degree is such as diploma or transcript of records. Since my original diploma is missing and my official transcript of records was sent by the institution directly to WES, can I instead submit the ECA file that WES...
  9. dadofethan

    For PINOY: About Express Entry Application. Share your idea!

    How does IRCC calculate PoF vs outstanding debt specifically a house loan? I have funds above the minimum required. I am also currently employed which covers my monthly amortization for the house. Will they hold the entire remaining house loan amount against my funds? Please explain formula if...
  10. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    Thank you for the info! My concern was not so much the content but that my reference letter was dated in the past. So you're saying as long as it contains the required fields asked by IRCC it doesn't matter when the letter was created and signed correct? Thanks! How does IRCC calculate PoF vs...
  11. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    I have a provincial nomination which means I have already proven 1) relevant employment experience; and 2) proof of funds to the concerned province. Now I understand that IRCC is a different organization altogether and so I have to provide proof anew. My questions: Regarding 1) I have a...
  12. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    Thank you for the relevant reply! I did see that in page 1. My deadline to submit is Dec28 anyway so I thought of completing all requirements beforehand. PCC only takes 3-5 days if there are no "hits" (no criminal background). Please tell me if there is any benefit in submitting roughly 1 or 2...
  13. dadofethan

    SINP Proof of employment

    You're welcome. I sincerely hope it helps someone one way or another. I did ask my direct manager about it and he said no one contacted him. It helps that I am friendly with my manager so I told him about my SINP application beforehand and had him sign my employment letter but SINP did not...
  14. dadofethan

    For PINOY: About Express Entry Application. Share your idea!

    Hello All, Sino po merong impormasyon tungkol sa utang sa credit card kung may batayan ito sa background check?
  15. dadofethan

    SINP Proof of employment

    Hello I am not legal/immigration advisor but a fellow applicant. Here's my experience. I got ITA from SINP 7/8 months ago and initially I only submitted: Employment Reference Letter Employment Duties Employment Contract Projects Completed Contact Details of the employer Provident fund Took...
  16. dadofethan

    >>>>>>>OCTOBER 2020 AOR<<<<<<< Join here

    Hello to All Category: SINP - EE - Outland ITA: September 30 AOR: N/A Upfront Medicals sometime this week or next Due to covid, earliest appointment for PCC (NBI clearance in my country) is Oct 27. I have already booked that date and will try to come up with all the other requirements before...