Kalozera ku Dubai Property Market Landscape
Dubai, yokhala ndi zinyumba zowoneka bwino komanso malo owoneka bwino, imapereka msika wokopa wanyumba. Dubai imanyezimira ngati mwala wamtengo wapatali m'chipululu, zopatsa mwayi kwa osunga ndalama omwe akufunafuna mabizinesi opindulitsa a malo ndi nyumba. Monga umodzi mwamisika yotentha kwambiri yapadziko lonse lapansi, Dubai imakopa ogula ndi malamulo aumwini, kufunikira kwa nyumba zamphamvu, komanso chiyembekezo chowoneka bwino.
Ngati mukuganiza zogulitsa katundu mu mzinda wosangalatsawu, kumvetsetsa mitundu yosiyanasiyana ya katundu ndikofunikira. Dubai ili ndi malo osiyanasiyana, okhala ndi malo okhala ndi malo obwereketsa, osakonzekera bwino komanso okonzeka, komanso nyumba zogona komanso zamalonda.
Nchiyani Chimapangitsa Dubai Real Estate Kukhala Yokopa Kwambiri?
Tiyeni tiwone zinthu zingapo zomwe zimapangitsa Dubai kukhala malo apamwamba kwambiri padziko lonse lapansi opangira ndalama zogulitsa nyumba:
Chikoka Komwe Akupita Ndi Kukula kwa Anthu
Alendo opitilira 16 miliyoni adayendera Dubai mu 2022, atakopeka ndi magombe, malo ogulitsira komanso zokopa zachikhalidwe. Dubai idapezanso ndalama zoposa $30 biliyoni m'zachuma zakunja chaka chatha. Chiwerengero cha anthu ku UAE chinakula ndi 3.5% mu 2022 ndi 2023. Pofika chaka cha 2050, Dubai ikuyembekeza kulandira anthu atsopano 7 miliyoni. Kuchulukana kwa alendo ndi nzika zatsopano kumapangitsa kuti nyumba za Dubai zizikhala bwino komanso kubwereketsa, ngakhale zitha kuchititsa zomanga mikangano monga kuchedwa ndi nkhani za khalidwe ngati otukula akuvutika kuti agwirizane ndi zofuna.
Strategic Location ndi Infrastructure
Dubai imagwirizanitsa East ndi West kudzera pabwalo la ndege lapadziko lonse lapansi, misewu yayikulu yamakono, ndi netiweki yamadoko. Mizere yatsopano ya metro, milatho, ndi misewu imakulitsa zida za Dubai. Katundu wotereyu amalimbitsa udindo wa Dubai ngati malo ogulitsa komanso ogulitsa ku Middle East.
Nyengo Yothandiza Mabizinesi
Dubai imapatsa osunga ndalama akunja 100% umwini wabizinesi wopanda msonkho wapagulu. Ndalama kapena phindu lanu zonse ndi zanu. Malo omwe ali ndi malonda m'madera monga Dubai Media City ndi Dubai Internet City amapereka makonzedwe opindulitsa kwa makampani apadziko lonse. Malo awa amakhalanso akatswiri masauzande olemera ochokera kunja omwe akufunafuna nyumba zapamwamba.
Mtundu wa Premium Luxury Branding
Opanga akatswiri aku Dubai amakonda Chithunzi cha DAMAC ndi Emaar akwaniritsa luso la moyo wapamwamba, kukopa ogula osankhika okhala ndi zilumba zapadera, nyumba zogona zam'mphepete mwa nyanja, ndi nyumba zapanyumba zapayekha zowonetsa zinthu zowoneka bwino ngati maiwe achinsinsi, minda yamkati, ndi zida zagolide.
Kusowa Misonkho ya Katundu
Mosiyana ndi mayiko ambiri, Dubai samakhoma msonkho wapachaka wa katundu. Otsatsa malonda amapeza ndalama zopanda msonkho pomwe amapewa kudula m'malire.
Tiyeni tiwone momwe alendo angapindulire pamsika wamalonda wa Dubai.
Ndani Angagule Dubai Real Estate?
kuti Lamulo la Real Estate No. 7 la 2006, umwini wa katundu wa Dubai umadalira mtundu wa ogula:
- Okhala ku UAE/GCC: Mutha kugula malo aulere kulikonse ku Dubai
- Alendo: Atha kugula malo ~ 40 madera osankhidwa mwaulere kapena kudzera m'makontrakitala ongowonjezedwanso.
Kwa iwo omwe akuganizira zamalonda aku Dubai kuti apeze ndalama zobwereka, ndikofunikira kumvetsetsa ufulu wa eni nyumba & wobwereka ku UAE kuonetsetsa kuti ubale wabwino ndi eni nyumba.
Freehold vs. Ma Leasehold Properties
Dubai imalola anthu akunja kukhala ndi katundu waulere m'malo osankhidwa, kupereka ufulu waumwini. Komabe, ndikwanzeru kumvetsetsa malingaliro azamalamulo ngati Lamulo la cholowa cha UAE kwa anthu ochokera kunja pokonza umwini. Mosiyana, malo obwereketsa amapereka umwini kwa nthawi inayake, nthawi zambiri zaka 50 kapena 99. Zosankha zonsezi zili ndi ubwino wake, ndipo kusankha kwanu kuyenera kugwirizana ndi zolinga zanu za nthawi yaitali.
Off-Plan Vs. Katundu Wokonzeka
Kodi mumakopeka ndi chisangalalo chogula malo asanamangidwe kapena mumakonda chinthu chomwe chakonzeka kukhalamo nthawi yomweyo? Malo osakonzekera amapereka ndalama zomwe zingatheke koma zimakhala ndi chiopsezo chowonjezereka. Zinthu zokonzeka, kumbali ina, ndizokonzeka kusuntha koma zitha kubwera pamtengo wapatali. Chisankho chanu chimadalira kulolerana kwanu pachiwopsezo komanso nthawi.
Nyumba Vs. Zamalonda
Malo okhalamo amasamalira eni nyumba ndi obwereketsa, pomwe nyumba zamalonda zimapangidwira mabizinesi. Kumvetsetsa ma nuances pakati pa maguluwa kudzakuthandizani kuchepetsa zomwe mungasankhe.
Tiyang'ana kwambiri umwini waulere popeza umapereka ufulu wathunthu wa katundu ndi kuwongolera kwa osunga ndalama.
Njira Zogulira Katundu wa Dubai
Tsatirani mapu apamsewu mukamagula malo ku Dubai ngati mlendo:
1. Pezani Katundu Woyenera
- Fotokozani zokonda monga kukula, zipinda zogona, zothandizira, moyandikana.
- Khazikitsani mitengo yomwe mukufuna
- Fufuzani mitengo yamsika yamitundu yomwe mukufuna kumadera ena
Mutha kuyang'ana mndandanda wazinthu patsamba ngati PropertyFinder, Bayut kapena kulembetsa wogulitsa nyumba kuti akuthandizeni kusankha zosankha.
Zero pazinthu 2-3 zomwe zingatheke mutawonera mindandanda ndikuyikapo kuchokera kwa wothandizira wanu.
2. Tumizani Zomwe Mukufuna
- Kambiranani mawu ogula mwachindunji ndi wogulitsa/woyambitsa
- Perekani 10-20% pansi pa mtengo wofunsidwa wa chipinda chogwedeza
- Fotokozani zogula zonse mu kalata yanu yopereka
- Kugula dongosolo (ndalama/ndalama)
- Mtengo & ndondomeko yolipira
- Tsiku lokhala, zigamulo za chikhalidwe cha katundu
- Pangani choguliracho kukhala chomangirira kudzera pa 10% kusungitsa ndalama zapatsogolo
Gawani loya wamalo am'deralo kuti alembe / kutumiza zomwe mukufuna. Adzamaliza mgwirizano wogulitsa kamodzi (ngati) wogulitsa avomereza.
Ngati wopangayo alephera kupereka katunduyo molingana ndi ndondomeko yomwe wapanga kapena zomwe wapanga, zitha kukhala a developer kuphwanya mgwirizano kuwatsegulira njira yovomerezeka.
3. Saina Mgwirizano Wogulitsa
Kontrakitiyi ikufotokoza za malondawo mwatsatanetsatane wazamalamulo. Zigawo zazikuluzikulu zikuphimba:
- Zogula ndi ogulitsa
- Zambiri za katundu - malo, kukula, mawonekedwe
- Kugula dongosolo - mtengo, ndondomeko yolipira, njira yopezera ndalama
- Tsiku lokhala ndi kusamutsa
- Zolemba zangozi - Kuthetsa mikhalidwe, kuphwanya, mikangano
Unikani zambiri zonse musanasaine (Memorandum of Understanding) MOU
4. Escrow Account & Deposit Funds ndi Madivelopa
- Maakaunti a Escrow amakhala ndi ndalama zogulira motetezeka panthawi yogulitsa
- Ikani ndalama zonse zogulira ndalama
- Deposit mortgage down paying + chindapusa pazandalama zandalama
- Madivelopa onse a Dubai amapereka chithandizo cha escrow kudzera pamabanki odalirika
5. Pezani Zovomerezeka & Kusamutsa Mwini
Wothandizira wanu kapena loya wanu adzachita:
- Pezani Satifiketi Yopanda Chokana (NOC) kuchokera kwa wopanga
- Khazikitsani mabilu othandizira
- Chikalata chosinthira umwini wafayilo ndi Dubai Land department
- Lipirani chindapusa cholembetsa (4% mtengo wa katundu)
- Lembani zogulitsa ndi maulamuliro
- Pezani Title Deed yatsopano m'dzina lanu
Ndipo voila! Tsopano muli ndi malo mumsika umodzi wokomera ndalama kwambiri padziko lonse lapansi.
Kufunika Kofunikira Kuchita Khama ndi Kutsimikizira
Tisanamalize mgwirizano uliwonse wa katundu, kusamala kwambiri ndikofunikira kuti tipewe mikangano yomwe ingachitike pamalamulo.
Kufunika Kotsimikizira Chikalata Chachikalata
Kutsimikizira umwini wa katundu kudzera m'makalata aumwini sikungakambirane. Onetsetsani kuti malowo ali ovomerezeka mwalamulo musanapitirize.
Palibe Zofunikira za Satifiketi Yotsutsa (NOC).
Ma NOC angafunike pakugulitsa katundu kumayiko ena kapena zochitika zina. Kumvetsetsa nthawi komanso momwe mungawapezere ndikofunikira.
Satifiketi Yomaliza Kumanga (BCC) Ndi Njira Zoperekera
Mukamagula zinthu zomwe simunakonzekere, kudziwa kutulutsa kwa BCC ndi njira yoperekera kumapangitsa kuti pakhale kusintha kosavuta kuchokera kwa wopanga kupita kwa eni ake.
Kuyang'ana Zolakwa Zapamwamba Ndi Zosautsa
Ngongole zosayembekezereka kapena zolemetsa zimatha kusokoneza malonda a katundu. Kufufuza mwatsatanetsatane ndikofunikira.
Kusamala Kwambiri Njira Zabwino Zopewera Mikangano Yazamalamulo
Kugwiritsa ntchito njira zabwino kwambiri mosamala ndi chitetezo chanu ku mikangano yomwe ingachitike m'tsogolomu.
Mtengo: Kugula Dubai Real Estate
Ikani ndalama izi mu bajeti yanu yogulira malo ngati wogula wakunja:
Malipiro oyambira
- Pali malipiro a 10% pamtengo wogulitsa wa katundu wokonzeka, ndi malipiro a 5-25% kuchokera pamtengo wogulitsa wa katundu wosakonzekera kutengera wopanga.
- 25-30% pazogulitsa zobwereketsa
Malipiro Otumiza Malo ku Dubai: 4% ya mtengo wa katundu ndi zolipira zolembetsa & ntchito
Wogulitsa Nyumba: 2% + ya mtengo wogula
Kusamutsira Mwalamulo & Mwini: 1%+ ya mtengo wamtengo wapatali
Kukonza Ngongole: 1% + ndalama zangongole
Kulembetsa Katundu ku dipatimenti yowona za nthaka (Oqood): 2%+ ya mtengo wamtengo wapatali
Kumbukirani, mosiyana ndi mayiko ambiri, Dubai imakhometsa msonkho wapachaka wapachaka. Ndalama zokhazikika zobwereka zimalowa m'matumba anu opanda msonkho.
Momwe Mungapezere Ndalama Zogulitsa ku Dubai
Ndi dongosolo loyenera lazachuma, pafupifupi wogula aliyense atha kulipira ndalama zogulira katundu ku Dubai. Tiyeni tiwone njira zodziwika zandalama.
1. Kulipira Ndalama
- Pewani chiwongola dzanja ndi chindapusa
- Kugula mwachangu
- Kuchulukitsa zokolola zobwereka & kuwongolera umwini
Pansi: Pamafunika nkhokwe zazikulu zamadzimadzi
2. Ndalama Zanyumba Yanyumba
Ngati simungathe kugula ndi ndalama, ngongole zakubanki zimapereka ndalama za 60-80% kwa omwe ali oyenerera omwe amagulitsa katundu ku Dubai.
- Kuvomereza koyambirira kumatsimikizira kuyenerera kwa ngongole
- Zolemba zofunika fufuzani zachuma, ngongole, kukhazikika kwa ndalama
- Chiwongola dzanja chimasiyana 3-5% kwa obwereka odziwika
- Ngongole zanthawi yayitali (zaka 15-25) zimasunga zolipira zochepa
Ngongole zanyumba nthawi zambiri zimagwirizana bwino ndi ogwira ntchito omwe amalipidwa ndi malipiro okhazikika.
Zotsatira za Mortgage
- Njira yayitali yofunsira
- Zopinga za ndalama ndi kuvomereza ngongole
- Ndalama zokwera pamwezi kuposa kugula ndalama
- Zilango zobweza msanga
Odzipangira okha ndalama angafunikire kupereka zolemba zowonjezera kapena kusankha njira zina zopezera ndalama kudzera mwa obwereketsa achinsinsi.
3. Developer Financing
Madivelopa apamwamba amakonda DAMAC, AZIZ kapena SOBHA perekani mapulogalamu azandalama monga:
- Zolinga zowonjezera 0%.
- Kuchotsera pogula ndalama
- Makhadi a kingongole omwe ali ndi mphotho zabwino
- Mabonasi otumizira & kukhulupirika
Zolimbikitsa zotere zimapereka kusinthasintha pogula mwachindunji kuchokera kwa omwe asankha opanga katundu.
Katswiri Wotsogola Zanyumba ku Dubai
Tikukhulupirira, tsopano mukumvetsa kuthekera kopindulitsa kwa kugulitsa nyumba ku Dubai. Ngakhale kuti kugula kumafuna njira zosiyanasiyana, Timathandizira osunga ndalama akunja
Mukamasaka katundu wanu, othandizira odziwa zambiri amathandizira ndi:
- Kukambirana koyamba kwa msika
- Local Area Intel & malangizo amitengo
- Mawonedwe & kuwunika kwa zosankha zomwe zasankhidwa
- Thandizani kukambirana mawu ofunikira ogula
Pa nthawi yonse yogula, alangizi odzipereka amathandiza:
- Onaninso mawu ndi kufotokoza zolipirira/zofunika
- Lumikizani makasitomala ndi maloya odziwika bwino ndi alangizi
- Yang'anirani zowonera & kuthandizira kumaliza zinthu zabwino
- Tumizani ndikutsatira zomwe mwagula/zofunsira
- Kulumikizana pakati pa makasitomala, ogulitsa & mabungwe aboma
- Onetsetsani kuti kutumiza kwa umwini kwatha bwino
Chitsogozo chopanda msokochi chimachotsa mutu ndikuwonetsetsa kuti zokhumba zanu za Dubai zikuyenda bwino kuyambira koyambira mpaka kumapeto.
LOTANI MALOTO ANU A DUBAI AFULEKE
Tsopano muli ndi makiyi kuti mutsegule zopindulitsa zanu dubai malo opatulika. Pogwiritsa ntchito maupangiri ogula a bukhuli mogwirizana ndi thandizo la akatswiri, nkhani yopambana ya katundu wanu ikuyembekezera.
Sankhani malo oyenera. Pezani nyumba yochititsa chidwi yokhala ndi mawonedwe a padenga kapena nyumba yapanyanja yam'mphepete mwa nyanja. Perekani ndalama zogulira mu bajeti yanu. Kenako yang'anani zobweza zokhutiritsa zikubwera kuchokera ku gawo lanu la kuthamangitsidwa kwagolide ku Dubai pomwe malowa akupitilira kukula ndikulemeretsa osunga ndalama.
Musaphonye mwayi wopeza tsogolo lanu! Lumikizanani nafe nthawi yomweyo kuti mukonzekere msonkhano kuti mukambirane nkhani zanu zanyumba (kugula ndi kugulitsa katundu kudzera mwa ife).
Tiimbireni kapena titumizireni WhatsApp tsopano kuti tikambirane mwachangu + 971506531334 + 971558018669
