Applicant Assets Evaluation
The net assets are refer to applicant's property including bank deposit,
negotiable securities, real estate, company stock current value, and other
properties, such as life insurance (current value), retirement pension
savings and education fund and so on.
In these properties, the current assets part is easy to determine. The
real estate value must carry on the appraisal through the specialized
appraisal. In order to further evaluate, the applicant is requested to
show the primitive contract of purchasing the real estate .The immigration
officer will appraisal the real estate value according to the these material
information.Generally, the reported value should not higher than the officer
‘s appraisal value, otherwise there will be further appraisal process.
The most difficult thing is to evaluate the applicant’s current company
Most of them are the middle and small scale private enterprise, their
financial report form do not need to audit. According to the Canadian
Immigration office's request, the company value appraisal must be carry
on by international professional appraisal company, such as Andersen,
Deloitte & Touche, Ernst & Young,PwC and KPMG, etc.
But such appraisal expense is extremely expensive and the applicant is
not willing to bear such expense generally. Therefore, we suggested the
applicant to consign a locality accountant for financial report and make
further analysis the net assets based on the report. The applicant should
know that the market value of his company is decided on many factors,
including its locate profession market competitiveness, the prospects
for development, as well as the company estimates market share, product
or service competitive power, sales rate of increment and investment rate
of return and so on. Then, multiplies the recent year financial report
data by a conservative proportionality to get a final result. When was
asked this proportionality basis, the applicant must be able to make them
Get to know the assets origin.
After the net assets value being evaluated, the most essential question
is to prove these properties source. after all past gross income subtracted
the expenditure to expend must be equal to or be bigger than the total
property. But these gross incomes include years of salary, company bonus,
If the applicant is employed, his income main origin should manifest in
the wages, the bonus income, this part of income by the employment contract,
the pay list, accepts the tax form and so on to prove personally. If the
applicant has his own company, moreover is financial report and bonus
will demonstrate the sale, the profit and the tax payment. If the company
has the big outset fund (registered capital), the applicant must prove
its primitive capital source, namely so-called “first barrel gold”.
Applicant assets structures
When applicant's net assets only achieve CAD$800,000 Canadian dollars,
his current assets proportion must quite be high. This is because the
fixed asset like real estate, company's value receives the market the
influence to fluctuate frequently. But immigration officer when evaluate
the assets he will consider whether these properties reach the standards.
When applicant's net assets are higher than request by far more than CAD$800,000,
the immigration officer also can pay attention to the property structure
covering bank deposit, negotiable securities investment, real estate,
company's property. Sometimes, the applicant has the massive bank deposit,
other investment property are very few. If the majority of properties
manifest in the real estate or the company aspect, the applicant should
be able to explain his investment mindset and plans.
Therefore, the property, its source and structure are the main factors
to success investment immigration.