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Overview of the Right of Permanent Residence Fee (RPRF) Loan


canada rprf loan

Last Updated On : November 16 , 2024


The RPRF loan is offered by the Canadian government to cover the cost of the RPRF for eligible applicants seeking Canadian permanent residency.

Once an immigration applicant receives an ITA or NOI from the Provincial Government, he must pay for a Canada PR visa.

The Right of Permanent Residence Fee (RPRF) is a fee ($575) that most applicants for permanent residence in Canada must pay. This fee is separate from other processing fees for immigration services.

Who is Eligible to Apply for an RPRF Loan?

The Right of Permanent Residence Fee loan is available to individuals applying for permanent residence from within Canada and their sponsors. To qualify, applicants must prove they need financial assistance and can repay the loan.

You can provide pay stubs, bank statements, and tax returns while living in Canada in recent years.

Note: IMM 5349 Form may be rejected if you are applying from outside Canada.

How does An Authorised Representative Check Eligibility for the RPRF loan?

The two main criteria for assessing RPRF loan eligibility are:

  • Demonstrated Need
  • The Ability to Repay the Loan

Demonstrated Need:

Applicants with at least three years of Canadian residency must demonstrate unsuccessful attempts to obtain a loan from financial institutions. This proves that they truly need a government loan.

The Ability to Repay the Loan

The Canadian government assesses your ability to repay a loan by reviewing your financial information, such as your income, expenses, and credit history. They may also consider your employment history and other factors to determine if you are likely to be able to make your loan payments on time.

How Do I Apply for an RPRF loan?

To apply, you will need to:

  • Complete the Right of Permanent Residence Fee Loan Application (IMM 5349) Form.
  • Provide documents showing financial need and ability to repay an approved loan.
  • Get help from a representative (if needed).
  • Review your RPRF Loan agreement carefully.

Filling Out the IMM 5349 Form

  • Personal Information:
    • Applicant Name, DOB, Social Insurance Number (SIN), Telephone number, Status in Canada
  • Family Information:
    • Provide details about Family Size (spouse, children, and other dependents).
  • Financial Information:
    • Monthly Family Income (from employer)
    • Monthly Family Living Expenses
    • Total monthly debt payment

Prepare Essential Documents

There are multiple documents you may need to show when applying for RPRF Loan, while the essentials are as follows:

  1. Financial Documentation:

Proof of income, debt payments, and living expenses, emphasising the need for accurate information.

  1. Employment and Education History:

Details about the applicant's employment history, including past employers and periods of unemployment, as well as information on any current enrollment in educational or training programs.

  1. Supplementary Information:

Provide additional information relevant to their situation, including any social assistance or employment insurance benefits received.

Using a Representative

  • A representative can provide expert guidance throughout the loan application process, ensuring that all necessary documents are submitted correctly and on time.
  • If there are any issues or delays with the loan application, a representative can advocate on your behalf with the government, helping to resolve the problem efficiently.

Loan Agreement:

If the loan application is approved, the applicant will be required to sign a loan agreement before the permanent residence application or sponsorship undertaking can proceed.

What If I Am Unable To Apply For an RPRF Loan? - Appoint A Representative

You can apply for an RPRF loan on your own. However, certain conditions might complicate the process. These include language barriers, difficulties submitting financial documents, health issues on the day of your biometrics or interview, or technical problems like internet outages or natural disasters.

In such cases, appointing a representative to assist with your Canada loan application would be advisable.

There are two types of representatives:

  • Compensated
  • Uncompensated

Compensated Representative For RPRF Loan:

Compensated representatives are paid professionals who can help you with your RPRF loan application. They can provide guidance, handle paperwork, and increase your chances of approval. You can appoint a representative by completing the Use of a Representative form (IMM 5476).

Uncompensated Representative For RPRF Loan:

These representatives do not charge fees for their services. This can include friends, family members, or consultants who are not charging you a fee.

Final Thoughts:

  • Review the complete guide on Canada.ca for detailed instructions and requirements.
  • Gather all necessary supporting documents to demonstrate financial need and ability to repay.
  • Complete the RPRF Loan Application (IMM 5349) and submit it with the permanent residence application.

Reference:

Guide For RPRF Loan Application

Application for RPRF Loan

FAQ:

The Canadian government offers RPRF Loan to applicants who are eligible for it. If you are qualified you can get your Canadian PR visa.
You'll find out if your loan is approved. If it is, you can choose to take the loan and sign an agreement when you pay the RPRF.
If you belong to any category, including dependent children, adopted children, certain family members of sponsors, and protected persons. You cannot demonstrate a need for a loan or financial stability that shows you can repay the loan.