Migrating to Quebec

The Basics

Known as “la belle province” (the beautiful province) to its locals, Quebec is Canada’s largest province and home to approximately 7,900,000 people. Quebec is a vibrant multicultural province, often earning it recognition as the “Europe of North America”. Quebec is also famous for its vast forests, rolling hills and countless waterways. In fact, Quebec has over 1,000,000 lakes and waterways, giving it more fresh water than any other province.

Quebec is the only province whose official language is French. The capital city is Quebec City, with a population of 700,000. Quebec is also home to Canada’s second largest city, and the second largest French speaking city in the world, Montreal (3.8 million people). Other major cities located in proximity to the St. Lawrence river,which links Quebec and Montreal to the Atlantic Ocean, include Hull-Gatineau (314,000), Trois-Rivieres (152,000), Sherbrooke (202,000), and Chicoutimi-Jonquiere (158,000). Since the end of World War II, more than 700,000 immigrants from over 80 countries have moved to Québec, particularly to the multicultural city of Montreal.

Quebec Standard of Living

The average gross earnings for a family in Quebec is approximately $70,480 per year, just below Canadian average. The province boasts an excellent standard of living, however, thanks to its affordable cost of living. The cost of living in Quebec is lower than the Canadian average, particularly when it comes to housing. Montreal is among the most affordable major cities in North America.

While Quebec has among the highest provincial personal income tax rates at over 24%, these taxes translate into publicly provided services that contribute to high standards of living in the province. Publicly provided healthcare and heavily subsidized transportation, post-secondary education and cultural services ensure that all Quebeckers have access to these important contributors to a high standard of living. The federal tax rate is abated in Quebec, and the minimum wage is at $10.15/hr.

Quebec Education

Quebec is home to one of the most affordable and comprehensive educational systems in North America. According to Canadian law, all Canadian citizens under the age of 20 are entitled to an education through the end of secondary school at no direct cost to the user. Quebec has publicly funded elementary and secondary schools in both French and English as the language of instruction. Under Quebec’s Charter of the French Language however, students must attend French-language schools unless they, their parents, or their siblings have previously attended English language schools. This regulation is part of an effort to preserve the French language in Quebec within a mostly English-speaking country. All French-language schools offer English as a second language beginning in Grade 1. This regulation does not apply to private schools in Quebec. The province has the highest rate of private school attendance of any Canadian province.

Quebec has a public school system that is unique within Canada. While most Canadian provinces offer publicly funded schools through to the end of Grade 12, Quebec’s secondary school students receive their diplomas after Grade 11. After completing secondary school, Quebec students may attend free pre-university or vocational programs through the province’s CEGEP (Collège d’Enseignement Général et Professionnel) system. These schools offer, with free tuition, either two-year pre-university programs or three-year vocational programs for diplomas. Quebec chose this structure for their educational system in order to ensure that at least some amount of post-secondary education is universally accessible.

The system of universities in Quebec includes a network of institutions that offer world-class education in both official languages. Montreal is home to four sizable universities, giving it the highest percentage of university students in its population of any major North American city except Boston. Most notably, McGill University and L’Université de Montreal are well renowned around the world for their scholarship and research, producing numerous Nobel prize winners. In addition, Concordia University and Bishop’s University, as well as L’école des Hautes Etudes Commerciales and L’Université de Laval, offer competitive and well-respected educational programs. The average yearly tuition paid by Quebec students is the lowest in Canada, and the province offers a number of generous student aid programs.

Quebec Healthcare

Under Canadian Law, all provinces and territories must provide universal, publicly funded health care to all citizens and legal residents of Canada. In other words, most basic health services in Canada are offered at no direct cost to the patient. Certain procedures that are not deemed necessary (such as elective cosmetic surgery and a number of dental care procedures, for example) are generally not covered, but the list of services paid for publicly varies from province to province.

Healthcare in Quebec is universally available to all residents at no cost to the individual. The Quebec Health Care plan covers the full cost of all necessary medical services for all citizens and most permanent residents in Quebec. This coverage includes doctor examinations, medical testing, emergency care, hospital care and emergency dental care.


Quebec Economy and Employment

Québec’s economy is highly industrialized and diversified. The province itself is home to the 38th largest economy in the world. Quebec’s advanced manufacturing sector produces a wide variety of products for export, such as air traffic control equipment, software, subway trains, helicopters, compact disks, air purifiers and toys. Montreal, the province’s commercial capital, has developed competitive industries in space and aeronautics, pharmaceuticals, telecommunications, energy, transportation and finance. Montreal has also recently become known for its software start-ups, most notably with regards to the entertainment industry, and the city follows Vancouver as a major movie production center.

In addition, the Province of Quebec is very rich in natural resources. Quebec produces more than a third of Canada’s pulp and paper products and a large percentage of its soft lumber. Thanks to Quebec’s abundant hydroelectric generating capacity, the state-owned energy sector produces and sells large quantities of hydro-electricity to neighboring provinces and the United States, a field the province has acquired much expertise in. Agriculture revenue is also considerable in the province. International exports now account for 20 percent of the province’s gross domestic product.

Quebec is steadily rebounding from a period of economic recession that saw unemployment on the rise. During this period of uncertainty some major Canadian companies shifted headquarters away from Montreal. Quebec is steadily adding jobs and attracting new companies with its highly skilled workforce. The unemployment rate currently sits at approximately only 8%.


Quebec Immigrant Investor program to Canada
Quebec has its own distinctive immigration investor program that offers Permanent Resident Visa and related benefits to the immigrants. No matter you migrate to Canada under Quebec Immigrant Investor Program – you would get benefits of an unconditional permanent resident visa to Canada.

Canada Immigrant Investor program

It is generally observed that businessmen and investor applicants looking for Canada immigration visa have purpose beyond getting a residency status. Under majority of situations, they would like to continue their current businesses and also have an alternate residency status in another country of repute. This is for the reason that they do not wish to close their current business and income stream and the safety that it offers. They would like to use this stream to fund their business operations in destined country. They understand that having an alternate residency status also offers higher studies platform to their children.

It is in this context that the Canada Immigrant program scores over business and investor immigration programs offered by other countries and even by Canada. Canada invites business, investors, high net worth individual, senior executives to apply for immigrant investor visas under the entrepreneur and investor programs. Visa applicants for this program require do not face age and language- English or French- restrictions. All that they are required to prove is that they have minimum identified personal net worth and carry identified years of management/business experience.

Benefits of permanent resident visa under the Canada Immigrant Investor Program

A Permanent resident visa under the Canadian Immigrant Investor program offers direct and indirect benefits to the visa holder and his family.

  • Offers an unconditional alternate residency option and future citizenship of Canada Offers the visa holder an option to live anywhere in Canada.
  • This option permits the holder to use the status for any purpose- take up a job, residence, Business and Taxation planning or use it as Holiday home or for retirement
  • Offers the applicant and his family an opportunity to enjoy amongst the best of quality of life in the world, in an almost pollution and corruption free environment.
  • Offers preferred admission (as a resident) and highly subsidized education at higher University levels education opportunity – for self and children;
  • Permits the holder to Use Canadian financial and banking system for expansion of his existing and worldwide business operations.
  • Offers to the holder an Opportunity of using it to create and grow his personal credit rating and that of his business;
  • Offers an opportunity of making Canada his business base, take advantage of NAFTA and promote his business interest in whole of North America

Use this opportunity of starting a Canadian business that may be managed by his children in future Highly subsidized, world-class medical facilities for the entire family


Quebec Immigrant Investor program to Canada

Net worth

Net-worth Investor must have a minimum net worth of CAD 16, 00,000/- acquired lawfully. This means fair value of all the assets of the Investor and spouse or common law partner minus the fair market value of all liabilities. Assets acquired through inheritance and gifts (provided they did not occur within six months prior to the date of filing an application) are acceptable to meet the minimum net worth requirement of CAD 16, 00,000/-

1 CAD = INR 50.00 (Approximately); Foreign exchange rate is subject to change and fluctuations at all times.

Management Experience

Investor must have at least 2 years of management experience* in the last 5 years before the date of application, acquired through a lawful business (agricultural, industrial, or commercial), a government or an international agency. Management experience, with respect to an Investor, means responsibilities and duties related to the planning, management and control of financial resources, and of human or material resources. Our experience in dealing with Immigrant investor applications indicates that majority of applicants who own and are managing an active business can comfortably meet this requirements as ownership gives them control over the finances, human and material resources. It is not required that the applicants experience is full time and the business being managed by him is profitable. This implies that professionals – like doctors and lawyers- who spend part of the day in practicing in their professions and are also managing their business enterprise are likely to qualify under this program.


Step 1: Application

ABHINAV will prepare all government application forms/ required documents and submit to BIQ Hong Kong or the Montreal Office with the Quebec Government processing fee.
Quebec processing Fees (non-refundable) payable with applicant: CAD 15,000/- (Canadian Dollars Fifteen thousand only) for the entire family including Principal Applicant, Spouse and children below 19 years.

Step 2: Interview

If scheduled, the interview is the most critical stage- after filing of properly documented application- of the entire process. It is important to have a good immigration advisor on your side. He will provide you proper brief on the entire process. ABHINAV will also ensure that a Canadian attorney appears with you during the selection interview.

Investor must sign an agreement, which commits him/her to making a 100% guaranteed passive investment of $ 800,000. Quebec Government guarantees the return of the investment.

This investment is for a period of five years and the applicant must make this investment under an agreement with and through an approved financial intermediary. The deposit of CAD is returned to the applicant- without interest- after 5 years.

There are two payment options for the applicant:

  1. Applicant makes own total investment of CAD 800,000/- and gets it back, without interest, after 5 years. In such a case, interest foregone by the applicant becomes cost of acquiring the visa.
  2. The applicant can also opt for financing option offered by a financial intermediary. Under this financing option, the immigrant applicant gives a payment of CAD 200,000/- and the mandated financial institution finances the balance amount of CAD 600,000/-. No demand is made for any personal guarantee or collateral towards sanction of this loan. The financial institution carries out all required deposit formalities with the Quebec Government.

After loan is sanctioned and investment of CAD 800,000/- made by the financial institution, the applicant will not receive any return on maturity-after 5 years- of the deposit. Thus CAD 200,000/- becomes a non-refundable payment and the investor immigrant applicant is not required to make any payment other than the investment of CAD 200,000/-, which becomes – for all practical purposes- his cost and the single fee that covers all expenses related to the investment under the Immigrant Investor program. It covers his interest costs (on financed amount) for holding period of five years, legal fees, and security registration and redemption fee towards liquidating the transaction on maturity. For him the biggest benefit is that it frees his capital to the tune of CAD 600,000/- and he can use it for any other activity, including passive or active investments.

Step 3: Selection certificate

On confirmation of investment, Selection certificate will be issued to the applicant

Step 4: Final stage application for visa stamping

Applicant files the forms with fee as mentioned below, along with the selection certificate, with Canadian Consulate nearest to his place of residence.
Federal processing Fee payable after Quebec’s approval (nonrefundable)
Principal applicant (Investor) : CAD 1050
Spouse : CAD 550
Each child below 19 years: CAD 150
Federal Right of landing fee payable for Applicant and spouse
CAD 490 per person
* Landing fees are applicable to principal applicant and spouse (but not for dependents below 19 years) and are refundable should the visa be refused. All Government fee is subject to change without notice.

Step 5: Medical and security checks

Step 6: Visa approval and stamping


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