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Today: 22.01.2018 - 14:17:25
   Canada Mortgage Hub Discussion Board -> Mortgage Calgary -> Canadian cost of living - immigrants?
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pacificinc

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Canadian cost of living - immigrants?
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Canadian mortgage lender
Post # 1.

renie

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I immigrated to Canada and I live in Toronto so here are my answers. - Good schools - Also what is canada education system? Does it cost?Each province has their own educational system - there are 3 school systems in Ontario - Public, Private and Seperate. Public and seperate are both funded by the provincial government and private schools are funded by school fees from parents. Kids must attend school from age 6 to 18 and there are 12 grades or years. The Seperate school system is the catholic school system which includes catholic religious education and the sacrments (first confession, first communion, etc). Children can only attend the seperate system if they were christened in a catholic church or if one (or both) of their parents was christened in a catholic church.- I love snow so do not mind cold snowy winters! Winters can be really cold - wind chill can get down to -40 degrees celcius sometimes.- I also love sun so do not mind the sun - it can get very hot and humid in Toronto in the summer- What is the health systems like? Do you have to pay for health insurance etc?Taxes pay for provincial health care and your health insurance will only pay for whatever the province does not cover - things like drugs and prescriptions, glasses, chiropractic, and physiotherapy etc and it is optional but if you dont have it - you have to pay out of pocket and drugs and physio/chiropractic sessions are very expensive. - How easy is it to get a job? whats the minimum wage?Minimum wage per hour in Ontario is $10.25 and NO - Right now it is NOT easy to get a job - there is a recession on. I have been unemployed for more than 12 months. Fortunately my spouse has an income so I dont need to apply for any unemployment benefits. New immigrants are also not eligible for unemployment benefits and welfare for the first 3 years they are in Canada. - Is it easy to get a mortgage or a house? Again that depends on you having a job to pay it back. I dont have a mortgage so I dont know the details. Market Rent is high. A nice 2 bedroom Apartments can easily cost $1200 a month!!!! New immigrants dont qualify for housing subsidies for the first 3 years they are in Canada. About a safe place - I have an 8 year old son and so far he has been perfectly safe in our Toronto neigbourhood. And in the 9 years I have been living in my neighbourhood - there has been only 1 homicide. I believe it was drug related. but it was several years ago.
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rjn128

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Well, I live in Vancouver, which is the nicest place to live in Canada, but also the most expensive. If you go to public school, it's free. But there are some private schools aswell. Vancouver has been known to be really rainy, and the winters usually aren't bad and the summer and spring are usually pretty hot. If you live in British Columbia, then yes you have to pay for med insurance, but it's not a lot and the healthcare system is really good. It takes a little longer for surgeries and blood tests etc, but it always gets done. The minimum wage is different all over Canada, but in BC it's $8/hr(the lowest in Canada). I think the government is going to change that. It's pretty hard to get a job actually, especially if you're young with no kind of training or credentials. The cost of living is quite high in Vancouver, but other places like Edmonton and Calgary are quite cheap and safe. Although, Vancouver is probably the most American part of Canada. it's pretty safe, depending on each neighborhood. North Vancouver is the best but houses are quite expensive, the average house retailing at at least $1 million
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