IMMIGRATION & Mortgage
10
The Notary
Corner
By Editha Corrales Nelson
Immigration Consultant, Notary
Public, Mediation / Arbitrator
You need a valid permanent
resident (PR) card to return to
Canada by plane, train, bus or boat.
If you know your card will expire when
you’re travelling, renew it before you
leave. You can only renew your card
in Canada. We don’t send PR cards
to non-Canadian addresses and we
don’t allow third parties to get them
for you.
If you’re outside Canada and
don’t have a valid PR card, you need a
permanent resident travel document
(PRTD) to return to Canada. You can
only apply for a PRTD from outside
Canada. If you try to return to Canada
without a PR card or PRTD, you may
not be able to take your flight, train,
bus or boat to Canada.
It depends on how you travel.
RETURNING
BY
PRIVATE
Real Estate
MYLENE LIM
Licensed Mortgage Specialist
Most of us shop around in order
to save a few bucks on shoes, TVs,
airline tickets, vacation packages,
appliances, etc., but what about
when we are buying a home and
getting a mortgage? This is after all,
one of the biggest investments we
have in our lifetime. Majority of us
rely on banks and accept whatever
it is they offer us, simply because
we do not know that there are other
mortgage products out there that
may be better for us.
For example, do you know that
there are more than 50 mortgage
lenders in Canada? Yes, there are
so many lenders - from banks,
credit unions, trust companies and
private lenders, most of which you
would not have direct access to
as a borrower. This where it most
beneficial for you to seek the help
of a mortgage broker who can work
on you application with most of the
lenders.
In a nutshell, here are some
reasons why you should consider
working with a reliable independent
PHILIPPINE ASIAN NEWS TODAY March 1 - 15, 2019
I NEED TO LEAVE CANADA AND I DO NOT HAVE
A PERMANENT RESIDENT CARD. CAN I LATER
RETURN TO CANADA WITHOUT A PR CARD?
VEHICLE
There are other documents you
can use to enter the country.
When you return to Canada, apply
for a PR card if you plan to travel
outside Canada again.
Some examples of private vehicles
include, but are not limited to: a car,
truck, motorcycle, or recreational
vehicle that you own, borrow, or rent.
It is a vehicle not available for public
use.
Returning by commercial vehicle:
airplane, bus, train, or boat
You must apply for a permanent
resident travel document. Otherwise
you may not be able to travel to
Canada.
You can apply for a PR card when
you return to Canada.
If you’re traveling soon or already
applied
If you know you’re travelling by
commercial vehicle soon, you can
ask for an urgent renewal of your PR
card. If you already applied for your
PR card and are still waiting for it,
you can check our processing times,
check the status of your application or
link your application to your account
to keep track of it.
Contact us if you’ve been waiting
for your card for six weeks longer than
the normal processing time and still
haven’t received it
** Strictly taken from www.cic.
gc.ca
A
Canadian
Certified
Immigration Consultant, Certified
Senior Advisor and a Notary Public in
the City of Burnaby, Editha Corrales
Nelson’s preferred areas of practice are
Powers of Attorney, Wills Preparation,
International
Legal
Documents,
Name Changes, Affidavits, Letters
of Invitation, Statutory Declarations,
Drafting of Business Contracts
and other notarial services. For an
appointment, please call: 604-777-
2757.
The following should not be
construed as providing legal advice
and information in this column is
intended only as a general guide
and should not be applied to specific
circumstances
without
further
consultation. For more information
on the subject, contact Editha
Corrales Nelson at 604-777-2757 or
email: [email protected].
Advantages of Using a Mortgage Broker
licensed mortgage broker:
1) Get independent advise on
your financial options
As an independent mortgage
professional, we are not tied to one
lender or range of products. Our
goal is to help you successfully
finance your home or property.
2) Save time by One-Stop-
Shopping
It would take weeks for you
to organize appointments with
competing mortgage lenders. We
work directly with these lenders and
could quickly narrow down a list of
those that suit you best. It makes
comparison-shopping fast, easy and
convenient.
3) Someone to negotiate on
your behalf
Many people are uncertain
or
uncomfortable
negotiating
mortgages directly with their bank.
We negotiate mortgages each and
every day on behalf of Canadian
homebuyers. You can count on
our market knowledge to secure
competitive rates and terms that
benefit you.
4) More choices mean more
competitive rates and products
We have access to a network of
Integrity and honesty... FROM PAGE 9
dahil oportunistang pulitiko ito, at Citizens Party list na gumagawa
dahil…
ng batas para sa kapakanan
nating mga senior citizens. 20%
Mas like ko si Kris keysa ke discount sa mga gamot, pagkain,
Bam sa pamilya Aquino.
pamasahe, libreng parking spaces
Lahat tayong Pilipino ay sa Quezon City at iba pang lugar
tatanda at dahil dito ay hinihingi ko sa MM, Php100,000 para sa mga
po sana sa ating mga botante na aabot ng 100 years na ginagawang
iboto po natin ang Senior Citizens mapababa ng 80 years old para
Party list #130 sa balota para tayo ma-enjoy agad ang biyayang ito.
mabigyan pa ng marami pang
Malapit na rin pong maging
benepisyo mula sa ating gobiyerno batas, kapag napirmahan na ni
sa pamamagitan ng Senior Pangulong Dutette ang HB 8837
major lenders in Canada - big banks,
credit unions, trust companies and
private lenders - so your options are
extensive.
5) Ensure that you are getting
the best rates and terms
Because of our familiarity with
all the rates and products available,
we can help review your application
so you get the best rate and product
to suit your needs.
6) Get access to special deals
and add-ons
Most independent mortgage
brokers belong to a mortgage
company whose volume may get
us preferential treatments, special
privileges, rates and products from
lenders, which in turn, can get
passed on to our clients.
7) Things get done more
quickly
Our job isn’t done until your
closing date goes smoothly. We
help your mortgage transaction
takes place on time and to your
satisfaction.
8) Get expert advice
Some clients find mortgages,
rates, products, requirements and
conditions quite overwhelming. We
will walk you through and explain everything in plain language so you
can decide confidently.
9) No cost to you
There’s generally no charge for
our services on typical residential
mortgage transaction. How can
we afford to do that? Like many
other professional services such as
insurance, the financial institution
generally pays mortgage brokers.
These fees are quite standard and
nearly industry-based and would not
be added on to the client.
10) Ongoing support and
consultation (even after office hours
and week-ends)
Even once your mortgage is
signed and paperwork is complete,
we are and will always be happy to
be of assistance when you need it.
Working with an indpendent
licensed mortgage broker will not
only save you time and money, but
you will also have peace of mind that
you have the best rate and product
for your mortgage needs.
For more information, please
feel free to contact me:
Cel: 604 783 9097/ Email:
[email protected]/
Web: www.MyleneLim.ca/
FB:
Mylene Lim
o’ ang National Commission for
Senior Citizens na ginawa ng
author na si Cong. Francisco G.
Datol, Jr, ang No. 1 nominee ng
Senior Citizens Party list, na lalo
pang magpapalakas ng estado ng
mga seniors at elders sa buong
bansa.
Hindi po dahil sa elder brother
ko si Di-Cong Jun Datol kayat
ikinakampanya ko ang Senior
Citizens Partylist #130 sa balota,
kung hindi para po sa ating lahat na mga Pinoy senior citizens
na dapat lang na mabigyan
ng karampatang benipisyo at
pagkilala sa ating mga na iyambag
sa ating bayan. Maraming salamat
po, at siyanga po pala, tuwing
halalan po ay may panawagan po
kaming mga sportswriters sa Pinas
nuong anduon pa ako…
Don’t prostitute your right
of suffrage. Huwag ibenta boto,
kabayan!
******
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