hi,
Firstly i congratulate you for having successfully cleared the 1st step towards achieving the CSQ.
i was also asked to supplement additional docs by the quebec govt, which i also did a month ago. I have not received any response from them since then.
i have opted for the 220K option.
iam also very worried (same as you) what if after depositing the amount of 220K upfront , i get rejected in federal processing.
I have tried to talk about this with my agent, but did not get any convincing reply. I tried to ask the question here in the forum too. I was told i could loose substantial amount of the 220K ,if god forbid i get rejected later.
I was told the deduction would happen for various reasons (interest on deposit, fees etc etc)
But my gut feeling says (i can be wrong here) that we tend to loose maybe 40 % max of the amount (all depends when our PR is issued ) right now the processing time (for 80% of the cases) is 43 months . this can go up and down,,,if it goes up we loose more,,,if it goes down we loose less.
stay in touch, You never know we may be future neighbors in quebec..
god bless!