加拿大gic签证需要多久？
谢邀~ 首先GIC是什么？ GIC（Government of Canada Investment Certificate）是加拿大政府给在加拿大移民申请中提供了GIC资金担保的申请人开具的存款证明，作为对申请人的经济能力的证明文件之一。 在移民项目当中，通常会有申请人自己准备资金的移民项目，以及由第三方机构或者政府为申请人提供资金保障项目的移民项目；前者称之为自筹资金型移民，后者则被称为资金担保移民。
而GIC就是为资金担保移民所准备的储蓄投资计划，由于它是完全由加拿大政府监管，所以它拥有比其他资金担保方式更高的安全系数和可靠性，同时因为GIC的投资收益率稳定、灵活取现等特点也成为了众多移民者选择的最安全的资金担保形式！
GIC有哪几种类型？ GIC主要有三种不同类型，分别适合三类不同的客户群体。 IER - Individual Exchange Rate (IER) is a government-sponsored investment program for individuals who want to immigrate to Canada. The plan allows you to invest your money in a global savings account where it earns interest while being protected from currency fluctuations， and can be easily accessed if necessary. Your $450，000 will earn interest at the Canadian dollar exchange rate at the time of deposit. Interest earned on your investment may be paid quarterly or accumulated until withdrawal.
RSP – Registered Retirement Savings Plan are tax-sheltered accounts that give Canadians an opportunity to save for retirement after they have reached their minimum withdrawal amount under the Old Age Security Program or the Guaranteed Income Supplement Program. Withdrawals made before age 61 incur a penalty， but this applies only when withdrawn as income rather than as a withdrawl of principal(the money deposited into the RSP) which does not attract penalties unless taken prior to age 71. Note： You cannot use a RRSP towards a Permanent Resident Visa application; however，you CAN use them towards your Canadian Citizenship application. As long as all requirements are met，it’ll work perfectly fine！ In order to avoid losing your investment，make sure to keep track of how much has been deducted from your RRSP throughout the years， so you know just what’s left inside when applying for citizenship/permanent resident status. Please make note too that any unused contributions must be returned to IRCC within six months of obtaining permanent residence or citizenship！
TFSA - Tax Free Savings Accounts are another type of registered savings plans available to residents of Canada with low fees， no annual limit per person and no age restrictions！ Like regular RRSPs，TFSA limits growth potential by prohibiting contributions above certain levels each year depending on the previous year's earnings. This