Bank of China (Canada) provides comprehensive banking services for new immigrants, overseas students, permanent or temporary residents and visitors. Pre-Open Account Service Customers can apply for our pre-open account service before landing Canada. The application will be witnessed by branches in China. If the application is approved, we will open a bank account for eligible applicants. Customers can transfer funds to the account directly in order to make the financial arrangement in advance. For all pre-open accounts, the first settlement charge for incoming remittance will be waived. In addition, we offer Overseas Student GIC Service to eligible students. After funds have been deposited into a pre-open account as required, we will issue the GIC Certificate. The students can present the Certificate to Canadian government agency when applying for a visa. The Certificate issued by our bank will benefit the applicant in terms of fast visa processing. "Zi Xin Tong" Service "Zi Xin Tong" Service is targeted towards investment immigrant customers or overseas students who do not have credit record or source of income in Canada. The service allows them to apply for personal residential mortgage in Canada with supporting documents from China. The supporting documents could be borrower/co-borrower's identity, occupation, income, assets, and credit status. Customers may be qualified for a personal residential mortgage up to 80% of property value. High Net-Worth Clients Program VIP customers who possess financial assets of over C$1, 000,000 or equivalent in Bank of China or Bank of China (Canada) may qualify for a personal residential mortgage up to 65% of property value. Financial assets could be deposits, bonds, mutual funds or equities in an investment account. Non-Resident Program Customers with working permit, study permit or visitor visa may qualify for a personal residential mortgage up to 65% of property value under non-resident program.