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

brentmrcs

Full Member
Aug 7, 2020
48
7
Category........
FSW
Hello All,

Sino po merong impormasyon tungkol sa utang sa credit card kung may batayan ito sa background check?
Naka-note sa guide ng uploading documents for proof of funds na attach outstanding credit card statements, pero parang hindi naman sya isa-subtract sa pera mo sa bank since hindi naman net worth yung basehan ng PoF. Nung inupload ko yung documents ko, sinama ko sa PoF yung current credit card statements ko.
 
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Reactions: dadofethan

dadofethan

Member
Oct 6, 2020
16
0
Category........
FSW
Naka-note sa guide ng uploading documents for proof of funds na attach outstanding credit card statements, pero parang hindi naman sya isa-subtract sa pera mo sa bank since hindi naman net worth yung basehan ng PoF. Nung inupload ko yung documents ko, sinama ko sa PoF yung current credit card statements ko.
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 you know it.
Also how does IRCC find out about debt if you don't declare it? Both loan and credit card debt?
I heard of people getting rejected due to not declaring it to IRCC. Example ung isang kakilala ko na may utang sa bank na ndi na binayaran aka outstanding debt naka alis naman 2015. Pero ung isa naman 2019 may outstanding credit card debt ndi dineclare nareject sa IRCC
 

brentmrcs

Full Member
Aug 7, 2020
48
7
Category........
FSW
I don’t know all of the details since I am not an immigration specialist, and I just submitted my application 2 weeks ago. I read in one of the threads here that IRCC does not subtract your debts from your cash on hand, since the basis of your PoF is NOT your net worth but the readily available money that you have.
 

DRbaker

Newbie
Sep 24, 2020
8
0
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 you know it.
Also how does IRCC find out about debt if you don't declare it? Both loan and credit card debt?
I heard of people getting rejected due to not declaring it to IRCC. Example ung isang kakilala ko na may utang sa bank na ndi na binayaran aka outstanding debt naka alis naman 2015. Pero ung isa naman 2019 may outstanding credit card debt ndi dineclare nareject sa IRCC
Try to address your concern in English :)
 

dadofethan

Member
Oct 6, 2020
16
0
Category........
FSW
Try to address your concern in English :)
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 you know it.

Also how does IRCC find out about debt if you don't declare it (Both loan and credit card debt) ?
I heard of people getting rejected due to not declaring it to IRCC. Example: I know someone who had unpaid credit card debt but was still able to immigrate last 2015. But I also know another person who also had outstanding credit card debt and didn't declare it in his IRCC application and got rejected by IRCC last 2019
 

artsycsb

Newbie
Oct 3, 2020
6
0
Hi! For those who have ITAs already, may I know your scores? I'm currently waiting for my IQAS and my IELTS will be this week but I haven't created a profile yet. I'm planning to create one once everything is complete but medjo nervous ako with the scores since I think mine is a bit low, I think.
 

dadofethan

Member
Oct 6, 2020
16
0
Category........
FSW
Hi! For those who have ITAs already, may I know your scores? I'm currently waiting for my IQAS and my IELTS will be this week but I haven't created a profile yet. I'm planning to create one once everything is complete but medjo nervous ako with the scores since I think mine is a bit low, I think.
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 a profile.
 

sky_mdr

Newbie
Nov 10, 2020
1
0
Hi! Job offer provides a big chunk of point in the CRS. I'm a bit confused as to the timing of when do you need to start looking for a job? Or is it even possible to get a JO while your application is still pending / still living here in the Philippines?
 

jULs58

Newbie
Dec 6, 2020
1
0
Good evening. I just like to check re s ECA aside from IQAS, which institution ang lenient s pag assess? CES,ICES or ICAS? sa WES kasi 2years diploma lang inassessed and BS-accountancy ko. Thanks in advance!
 

smm_0411

Hero Member
Mar 5, 2016
233
33
AB
Category........
CEC
NOC Code......
1311
hello po mga kabayan!

I just want to ask baka meron sa inyo nakaexperience same ng situation nmin ngayon. This is regarding PCC from Qatar.

Me and my spouse stayed in Qatar for more than 6months so we are required to obtain Qatar PCC for our EE application. Actually we already have Qatar PCC which we got a week before our last stay in the country dated 2017 pa po. Do we need to get a new one or pwede na po ba etong hawak namin ngayon?

btw, we are currently residing here in Vancouver. Qatar embassy in Canada is in Ottawa.

eagerly looking for guidance regarding this matter.

thanks in advance.
Hi, nagamit nyo Po ba yung Qatar PCC nyo or kumuha kayo ng bago?
Thank you
 

smm_0411

Hero Member
Mar 5, 2016
233
33
AB
Category........
CEC
NOC Code......
1311
hello po mga kabayan!

I just want to ask baka meron sa inyo nakaexperience same ng situation nmin ngayon. This is regarding PCC from Qatar.

Me and my spouse stayed in Qatar for more than 6months so we are required to obtain Qatar PCC for our EE application. Actually we already have Qatar PCC which we got a week before our last stay in the country dated 2017 pa po. Do we need to get a new one or pwede na po ba etong hawak namin ngayon?

btw, we are currently residing here in Vancouver. Qatar embassy in Canada is in Ottawa.

eagerly looking for guidance regarding this matter.

thanks in advance.
Hi, did you submit this PCC? Or kumuha kyo ng bago? Pano Po ginawa nyo? Thank you