Investor applicants currently cannot apply under the Federal Investor Program due to a upcoming change in the law. However, other provinces such as Quebec currently maintain the criteria which includes possessing a net worth of at least $800,000 Canadian dollars, which may include the assets of a spouse. A person seeking to immigrate as an applicant must make an investment of $400,000 Canadian dollars in approved projects in Canada. The full amount of the investment (without interest) should be repaid to the investor after five years. The return of the investment is guaranteed by participating provinces and territories. Provinces and territories secure the investment against the loss. In lieu of giving $400,000.00 as an investor, a would-be Investor has the option to receive a loan from a financial institution in Canada for a certain percentage of the investment. Thus, the Immigrant Investor may deposit approximately $130,000CAN, and can borrow the remaining amount rather than paying $400,000.00 Canadian dollars.