资金证明类别，目的：证明有钱且钱是你的就行，需要是流动资产，可以快速变现或流动的。
飞出国注：其他资料准备齐全后再开具存款证明，一般一个人不低于8万，夫妻2人不低于10万，一家三口不低于12万人民币。 不同签证类别不同年份需要的最低标准不同。
用于证明资金状况最普遍的方式是银行存款证明，一般是建议存期3个月冻结1-3个月，主申名下的存款符合最低资金要求。下面是其他可以用作资金证明方式的类别。
• Checking account（支票账户）,
• Saving account（储蓄账户）,
• GICs（担保投资账户）,
• Mutual Funds（信托基金）,
• RRSPs（注册退休储蓄计划）,
• TSFAs（Tax-Free Savings Account）,
• term deposit（定期存款）,
• time deposits（定期存款）
从上面的类别，对应到每个申请人来说具体提供的证明材料可以选择如下几种：
定期存款/冻结的存款证明： term deposit / time deposit
活期或流水：saving acccount
理财、基金：mutual fund
股票：other
建议千万别提供股票，借钱贷款也别提供股票，太麻烦，股票是有风险不保值的，所以移民过程中都不建议用股票作为资金证明。
定期存款证明是国内申请人的主流选择，不方便定期的可以活期，都在理财里的选基金，其他方式慎用。
下面是几种常用存款证明对应的英文解释，飞出国整理一下供参考：
1)定期：A time deposit (also known as a certificate of deposit in the United States, a term deposit, particularly in Canada, Australia and New Zealand; a bond in the United Kingdom; Fixed Deposits in India and in some other countries) is a money deposit at a banking institution that cannot be withdrawn for a certain term or period of time (unless a penalty is paid)
2)储蓄：Saving accounts are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque). These accounts let customers set aside a portion of their liquid assets while earning a monetary return. For the bank, money in a savings account may not be callable immediately and in some jurisdictions, does not incur a reserve requirement, freeing up cash from the bank’s vault to be lent out with interest.
3)基金：A mutual fund is a type of professionally managed Investment fund that pools money from many investors to purchase securities.[1] While there is no legal definition of the term mutual fund, it is most commonly applied only to those collective investment vehicles that are regulated and sold to the general public. They are sometimes referred to as “investment companies” or “registered investment companies”.[2] Most mutual funds are open-ended, meaning stockholders can buy or sell shares of the fund at any time by redeeming them from the fund itself, rather than on an exchange.[3] Hedge funds are not considered a type of mutual fund, primarily because they are not sold publicly.
飞出国对资金证明材料的总结说明：
1)存款证明，不用太教条，钱够，按要求提供某个或某几个活期账号的流水就可以。
2)基金是一种证明资金的方式，开什么样的证明询问银行或证券交易所。
3)只要有一种资金证明方式够最低标准就可以，也有用多个证明累计资金。
资金证明只是证明钱是你的，流水大概是用于说明钱不是借来的，但如果账上钱很多，这个就不重要，定期三个月冻三个月就行了，有些东西提供不了也没办法，从经验上看不会因为这点细节拒签。不需要太教条。
另外，对于 SINP 技术移民要求供近3个月的流水（定期/活期存款）。这点建议流水能提供尽量提供（去银行柜台或自助机可以打）。没要求这些钱必须在帐上3个月。流水证明你有持续的收入能力，不是说你这些存款3个月之前就有了。没那么严苛。
本文由飞出国论坛（FCGvisa.com）独家整理完成，请尊重知识产权，不要以任何形式散布和传播。
