Sitsalele umnxeba ngoku ngedinga elingxamisekileyo
Inkonzo yethu yezomthetho yobungcali ihlonitshiwe kwaye yamkelwe ngeembasa ezikhutshwe ngamaziko ngamaziko. Ezi zilandelayo ziwongwa kwi-ofisi yethu kunye namahlakani ayo ngokugqwesa kwawo kwiinkonzo zomthetho.
Igqwetha elinobuchule nelinamava oqhawulo-mtshato eDubai liya kuba nakho ukunika ingcebiso esemthethweni yezomthetho kunye nesikhokelo sosapho kuyo yonke inkqubo yoqhawulo-mtshato e-UAE.
Igqwetha loqhawulo-mtshato ligcisa elisebenza kumatyala oqhawulo-mtshato phantsi komthetho kwaye linokubonelela ngeengcebiso zobungcali zomthetho kunye nokumela abantu abaqhawule umtshato.
Uqhawulo-mtshato yinkqubo entsonkothileyo nengumngeni ngokweemvakalelo. Ukuba nommeli ofanelekileyo osemthethweni kubalulekile xa ujongene noqhawulo-mtshato e-Abu Dhabi okanye e-Dubai, e-UAE.
Amagqwetha e-UAE avela kwiimvelaphi ezahlukeneyo, ke uya kufuna umntu osebenza kumthetho wosapho. Olunye lotshintsho olukhulu lomthetho kwi-UAE kwinkulungwane edlulileyo lubandakanya indlela uqhawulo-mtshato olusingathwa ngayo kubemi bangaphandle.
Umthetho omtsha uthetha ukuba imithetho yelizwe lomtshato lomntu ngoku ingasetyenziselwa uqhawulo-mtshato, okuthetha ukuthi umthetho wasekhaya wamaSilamsi, okanye iSharia, uya ayisebenzi.
Igqwetha elikhethekileyo loqhawulo-mtshato liya kukwazi omawukwenze ukukunceda ukuba uphumelele uqhawulo-mtshato okanye ityala lokugcina abantwana e-UAE. Xa uqhawula umtshato, kubalulekile ukuba ube neqhinga elicingisiswe kakuhle ukukhusela amalungelo akho kunye nokuqinisekisa isiphumo esisiso.
Ngokutsho kweengxelo, izinga loqhawulo-mtshato kwi-United Arab Emirates liphakathi kweyona ndawo iphakamileyo kulo mmandla. Ezinye zezizathu zamazinga aphezulu oqhawulo-mtshato kwi-UAE ziquka ukungathembeki emtshatweni, unxibelelwano olubi, ukuphelelwa ngumsebenzi okanye ubunzima bezemali, amajelo eendaba ezentlalo, iiyantlukwano zezenkolo nezenkcubeko, ezinye iindlela zokucinga ngomtshato, utshintsho lwesizukulwana, kunye nolindelo olungekho ngqiqweni. umthombo
Ukusukela ngo-2020, inani lamatyala oqhawulo-mtshato e-UAE lafikelela malunga ne-4.2 lamawaka amatyala, ezantsi ukusuka malunga ne-4.4 amawaka amatyala ngo-2017. umthombo
Kutshanje, izinga loqhawulo-mtshato kwi-UAE lifikelele kwi-46%, elona liphezulu kumazwe e-Arab Gulf Cooperation Council (AGCC). Xa kuthelekiswa, uqhawulo-mtshato ngama-38 ekhulwini eQatar, ama-35 ekhulwini eKuwait, nama-34 ekhulwini eBahrain. Amanani asemthethweni asuka kumazwe awahlukeneyo amaSilamsi abonisa ukuba umlinganiselo woqhawulo-mtshato uyanda minyaka le yaye uphezulu kumazwe ama-Arabhu, ukususela kuma-30 ukusa kuma-35 ekhulwini. umthombo
Ukumelwa kobuNgcali kwiiNkundla ze-UAE
Igqwetha loqhawulo-mtshato elivela kwifemu yethu liyaluqonda usapho lwe-UAE kunye nemithetho yoqhawulo-mtshato kunye nayo nayiphi na imithetho yomanyano esebenzayo kuqhawulo-mtshato.
Igqwetha eliyingcaphephe loqhawulo-mtshato lingakumela enkundleni kwaye liqinisekise ukuba amalungelo akho akhuselekile kuyo yonke le nkqubo. Oku kuthetha ukuba bakwazi ngcono ukujongana nazo naziphi na iingxaki ezinokuvela ngexesha lothethathethwano okanye kwiinkqubo zenkundla.
Igqwetha loqhawulo-mtshato lisebenza ngokukhethekileyo kumthetho wosapho kwaye linolwazi oluphangaleleyo ngomthetho wosapho wamazwe ngamazwe, kunye nesikhokelo somthetho esilawula uqhawulo-mtshato.
Igqwetha loqhawulo-mtshato linokuchaza imithetho yelifa lesigama esisemthethweni, iinkqubo, kunye neziphumo ezinokubakho ezifanelekileyo kwityala lakho e-UAE.
Ulwazi kunye nokuqonda kwamaGqwetha oqhawulo-mtshato eDubai
Amagqwetha ethu oQhawulo-mtshato anolwazi oluphangaleleyo ngomthetho wosapho, kuquka namalungiselelo okugcinwa komntwana, ukwahlula-hlulwa kwempahla kunye namatyala, iintlawulo zenkxaso yabalingane, njl. njl., nto leyo ebenza baxabiseke xa behamba ngemeko entsonkothileyo njengoqhawulo-mtshato.
Ezona zizathu zixhaphakileyo zoqhawulo-mtshato kukuzibophelela, ukungathembeki, ungquzulwano nokuxambulisana, iingxaki zemali, ukusebenzisa kakubi iziyobisi nogonyamelo lwasekhaya. umthombo
Ngaphaya koko, bayayiqonda indlela iinkundla zeentsapho zasekuhlaleni eziwutolika ngayo umthetho wamazwe ngamazwe kule miba ukuze babe nokucebisa abaxumi babo malunga nokuba loluphi ukhetho olunokufumaneka ngokusekelwe kwiimeko zabo ezikhokela iingcali zomthetho.
Saziwa ngokubonelela ngezicwangciso zomthetho ezikhethekileyo kumatyala oqhawulo-mtshato sisebenzisa iqela lethu lamaGqwetha oSapho.
Ukubaluleka kokuqeshwa kwamaGqwetha oqhawulo-mtshato anamava
Ukuqesha igqwetha loqhawulo-mtshato kukhuthazwa kakhulu xa ujongene noqhawulo-mtshato. Banobuchwephesha kunye namava ayimfuneko ukukhangela ubunzima benkqubo yezomthetho.
Igqwetha elinobuchule lisebenza njengommeli wakho, ingcaphephe yezomthetho ekhokelayo, eqinisekisa ukuba amalungelo akho akhuselekile kwaye enikezela ngesikhokelo kuyo yonke le nkqubo. Bazama ukufikelela esona siphumo silungileyo kuwe, nokuba kungothethathethwano okanye ngokumangalelana.
Ukubonisana kwasekuqaleni
Inyathelo lokuqala ekuyileni iqhinga loqhawulo-mtshato kukubonisana okokuqala negqwetha loqhawulo-mtshato. Ngexesha lale ntlanganiso, unokuxoxa ngeenkcukacha zetyala lakho, uchaze inkxalabo yakho, kwaye ubuze nayiphi na imibuzo onokuthi unayo.
Amagqwetha osapho eDubai aya kuvavanya imiba eyodwa yemeko yakho kwaye anike isishwankathelo senkqubo ende yezomthetho ezayo. Olu thethwano lunceda ukubeka isiseko sendlela yobuchule elungiselelwe iimfuno zakho ezithile.
Ukuqokelela ulwazi
Ukuphuhlisa isicwangciso esisebenzayo soqhawulo-mtshato, igqwetha lakho lifuna ulwazi olubanzi ngomtshato wakho, izinto zexabiso, amatyala, kunye nabantwana. Kuya kufuneka unikezele ngamaxwebhu afanelekileyo afana neerekhodi zemali, iimpepha zepropathi, kunye nezivumelwano zokugcina umntwana.
Unxibelelwano oluvulekileyo kunye nokuchazwa ngokupheleleyo kwamaxwebhu asemthethweni kubalulekile ukuqinisekisa ukuba igqwetha lakho liyaziqonda ngokupheleleyo iimeko zakho.
Isicwangciso soMthetho
Lakuba igqwetha lakho liqokelele lonke ulwazi oluyimfuneko, liya kuqulunqa iqhinga lomthetho elijongene netyala lakho. Ukuqulunqa isicwangciso somthetho kufana nokugqiba ijigsaw puzzle; zonke iziqwenga eziyimfuneko kufuneka zibekho ukwenza umfanekiso opheleleyo.
Esi sicwangciso sinokubandakanya iindlela ezahlukeneyo zokumelwa yinkundla, njengothethathethwano, ulamlo, okanye ukumangalelana. Injongo yezicwangciso ezikhethekileyo zomthetho kukukhusela umdla wakho, ukufikelela kwisisombululo esinobulungisa, okanye ukubeka ityala elinyanzelisayo enkundleni, ngokuxhomekeke kwiimeko.
Igqwetha lakho elikhethekileyo loqhawulo-mtshato liya kukucebisa ngesona sicwangciso sisemthethweni onokuthi usilandele kwiinkqubo zakho zoqhawulo-mtshato. Oku kunokubandakanya ukufaka isicelo soqhawulo-mtshato, uthethathethwano ngesivumelwano solungiso, ukulamla, okanye ukumangalelana.
Igqwetha lakho elikhethekileyo loqhawulo-mtshato liya kukunceda ukuba uchonge nayiphi na imiba enokuthi ivele kuqhawulo-mtshato, njengokugcinwa komntwana, ukwahlulwa kwempahla, kunye nesondlo. Baya kuthi ke bakucebise ngeyona ndlela ilungileyo yokusombulula le miba ngendlela elinganayo kuwo omabini amaqela.
Umzekelo, unokufuna uthethathethwano ngesisombululo nelinye iqela, unike ubungqina enkundleni, okanye usebenzise obunye ubuchwephesha bokusombulula ingxabano obufana nolamlo okanye ulamlo.
Uthethathethwano kunye noHlaliso
Kumatyala amaninzi oqhawulo-mtshato, uthethathethwano kunye nolungiso ludlala indima ebalulekileyo ekusombululeni iingxabano ngaphandle kwenkundla. Igqwetha lakho liya kumela umdla wakho kwezi ngxoxo, lisebenzela kwisivumelwano solungiso esamkelekileyo kunye neqabane lakho okanye ummeli walo ngokwasemthethweni.
Amaqhinga othethathethwano olunezakhono kunye nolwazi lomthetho kunye neengxabano zepropati ziya kwenza ukuba igqwetha lakho likhusele izivumelwano zokulungisa ngemiqathango ekhusela amalungelo akho kunye nempilo yakho yezemali.
Iinkqubo zeNkundla
Xa uthethathethwano lungaphumeleli okanye kukho iingxabano ezibalulekileyo, inkqubo yenkundla iba yimfuneko. Igqwetha lakho loqhawulo-mtshato liya kukukhokela kuyo yonke inkqubo yesimangalo, ukusuka ekugcwaliseni amaphepha ayimfuneko ukuya ekunikezeleni ityala lakho enkundleni.
Baya kusebenzisa ubuchule babo kumthetho woqhawulo-mtshato kunye nesenzo somthetho ukwakha ingxoxo eqinileyo, ubungqina obukhoyo, ukubuza amangqina, kunye nokuthethelela isiphumo osifunayo.
Ukwahlulwa kwe-Asethi kunye naMatyala
Enye yeenkalo ezibalulekileyo zoqhawulo-mtshato kukwahlulwa-hlulwa kwempahla yomtshato namatyala. Igqwetha loqhawulo-mtshato liya kuhlalutya imeko yakho yezemali, kuqukwa nepropathi, utyalo-mali, kunye namatyala, kwaye lisebenzele ulwahlulo olunobulungisa.
Baza kuqwalasela izinto ezinjengobude bomtshato, igalelo leqabane ngalinye, nomgangatho wokuphila omiselwa ebudeni bomtshato.
Ukugcinwa kwabantwana kunye neNkxaso
Ukugcinwa komntwana kunye nenkxaso idla ngokuba yeyona miba ichukumisa ngokweemvakalelo kuqhawulo-mtshato. Igqwetha lakho liya kukunceda uqonde iinkalo iinkundla eziqwalaselayo kumatyala eentsapho xa zimisela amalungiselelo okugcinwa komntwana, imicimbi yentsapho efana neyona nto ilunge ngakumbi yomntwana, nokukwazi kweyunithi yentsapho nomzali ngamnye ukulungiselela imekobume ezinzileyo. Kananjalo baya kukukhokela kwinkqubo yokumisela inkxaso yomntwana, beqinisekisa ukuba iimfuno zemali zomntwana wakho ziyafezekiswa.
I-Alimony kunye neNkxaso yoMlingane
Ebudeni benkqubo yoqhawulo-mtshato, amalungelo emali omfazi, anjengemali yesondlo somtshato, ayaxoxwa. Umfazi unokukwazi ukuseka i-alimony okanye inkxaso yeqabane emva kwesiphumo somthetho wentsapho. Iqabane elihlawula imali yesondlo somntwana lisenokulahlekelwa ukuya kutsho kuma-40 ekhulwini lomvuzo walo oseleyo kwiintlawulo ezinjalo.
Igqwetha lakho loqhawulo-mtshato okanye igqwetha losapho liya kuvavanya iimeko ezifanelekileyo, ezifana nemicimbi yosapho efana nobude bomtshato, umahluko womvuzo phakathi kwabatshatileyo, umthetho wesimo somntu, kunye nengeniso yeqela ngalinye.
Baza kusebenzela ukufumana ilungiselelo lenkxaso yeqabane elinobulungisa nelifanelekileyo elithathela ingqalelo iimfuno zezimali kunye nobuchule babo bobabini ababandakanyekayo.
Ulamlo kunye noSombululo lweeMbano ezizezinye
Amagqwetha ethu aphezulu oqhawulo-mtshato okanye amagqwetha ethu osapho ayaziqonda iingenelo zezinye iindlela zokusombulula iingxabano ezifana nolamlo. Ezi nkqubo zinika ithuba amaqabane ukuba athetha-thethane kwaye afikelele kwizivumelwano ngoncedo lweqela lesithathu elingathathi hlangothi.
Elona gqwetha libalaseleyo loqhawulo-mtshato linokukukhokela kulamlo, likuncede uvakalise inkxalabo yakho kwaye usebenzele kwisisombululo esiluncedo ngokufanayo. Uninzi lolamlo loqhawulo-mtshato lukhokelela kwisivumelwano kwi-50-80% yamatyala.
Ukusingatha Imingeni Yeemvakalelo
Amagqwetha ethu oQhawulo-mtshato akanikezeli kuphela ngenkxaso yezomthetho eqhubekayo kunye nesikhokelo kwimiba yezomthetho kodwa nenkxaso yeemvakalelo neengcebiso. Banokukunceda ukwazi ukulawula iimvakalelo zakho, unikel’ ingqalelo kumfanekiso obanzi wobomi bentsapho, uze wenze izigqibo ezisengqiqweni ezivisisana nezilangazelelo zakho kunye nempilo-ntle yentsapho yakho.
Zeziphi iingxaki onokujamelana nazo ukuba awunalo igqwetha elinamava oqhawulo-mtshato?
- Ukunqongophala koLwazi loMthetho: Ngaphandle kwegqwetha elinamava, usenokusokola ukuqonda imithetho nemigaqo entsonkothileyo ebandakanyekayo kwiinkqubo zoqhawulo-mtshato.
- Uhlaliso olungenabulungisa: Ngaphandle kwegqwetha elizakuthethathethana egameni lakho, ungaphelela kukwahlulwahlulwa kwempahla yexabiso, isondlo somntwana, okanye amalungiselelo okugcinwa komntwana.
- Uxinezeleko Lweemvakalelo: Ukusingatha uqhawulo-mtshato uwedwa kunokuba buhlungu ngokweemvakalelo. Igqwetha linokubonelela ngeengcebiso ezinenjongo kwaye lithathe umthwalo weenkqubo zomthetho.
- Iimpazamo kuxwebhu olusemthethweni: Uqhawulo-mtshato lubandakanya amaxwebhu asemthethweni aliqela ekufuneka ezaliswe ngokuchanekileyo nangexesha. Iimpazamo zingakhokelela ekulibazisekeni, iindleko ezongezelelweyo, okanye ukuchithwa kwetyala lakho.
- Ukungamelwa kwiNkundla okungonelanga: Ukuba ityala lakho liyaxoxisana, ukubeka ityala lakho ngempumelelo nangobuchule kunokuba ngumngeni ngaphandle kwegqwetha.
- Imiba yasemva koqhawulo-mtshato: Igqwetha elinamava linokulindela kwaye lilungise imiba enokuthi ivele emva koqhawulo-mtshato, njengokunyanzeliswa kwenkxaso yesondlo somntwana okanye isondlo somntwana.
- Ubunzima kuNxibelelwano lweNkxaso yoMntwana: Le miba intsonkothileyo ifuna ubuchwephesha bomthetho ukuze kuqinisekiswe okona kulungileyo komntwana, okunokuba ngumngeni ngaphandle kwegqwetha.
- Ukunyhashwa kwamaLungelo: Ngaphandle kwegqwetha, usenokungawaqondi ngokupheleleyo amalungelo akho, nto leyo enokukhokelela ekunyhashweni kwawo.
- Ukuthathwa KweziGqibo ngoMbatha: Ngaphandle komcebisi wezomthetho ongakhethi cala, unokwenza izigqibo eziqhutywa yimvakalelo ezingekho mdla wakho.
- Ii-asethi eziphosiweyo: Ezinye ii-asethi zomtshato zisenokungahoywa okanye zifihlwe xa lingekho igqwetha eliqinisekisa ukuba zonke ii-asethi ziyachazwa kwiinkqubo zoqhawulo-mtshato.
Ingaba isebenza kanjani:
Iinkonzo zethu zamagqwetha oqhawulo-mtshato ziyilelwe ukwenza inkqubo yoqhawulo-mtshato ibe lula kwaye isebenze kangangoko. Nalu ulwahlulo lwenyathelo ngalinye lwendlela iinkonzo zethu ezisebenza ngayo:
Umzekelo:
1. Uthethwano lokuqala: Cwangcisa udliwano-ndlebe lokuqala nelinye lamagqwetha ethu oqhawulo-mtshato ukuze kuxoxwe ngemeko yakho kwaye ufumane uvavanyo lwetyala lakho. Siza kucacisa inkqubo yoqhawulo-mtshato, siphendule imibuzo yakho, kwaye sinikeze iingcebiso ezilungiselelwe iimeko zakho.
2. UVavanyo Lwetyala: Amagqwetha ethu aya kuqhuba uphononongo olucokisekileyo lwetyala lakho, aqokelele ulwazi olufanelekileyo kunye namaxwebhu ukwakha isiseko esiluqilima sokumelwa kwakho ngokwasemthethweni. Siza kuchonga imiba ephambili kwaye siphuhlise isicwangciso sobuchule ukufezekisa iziphumo ozifunayo.
3. Umelo ngokwasemthethweni: Kuyo yonke inkqubo yoqhawulo-mtshato, amagqwetha ethu aya kubonelela ngommeli wobuchwephesha. Siza kuthethathethana egameni lakho, silungiselele amaxwebhu ayimfuneko, kwaye sibonise iingxoxo ezinyanzelisayo ukukhusela amalungelo kunye nomdla wakho.
4. Uzinziso okanye Isimangalo: Ngokuxhomekeke kwiimeko zetyala lakho, siya kusebenza ekufikeleleni kwisisombululo esinobulungisa ngothethathethwano okanye, ukuba kukho imfuneko, sikuthethelele enkundleni. Injongo yethu kukukhusela isiphumo esihle kakhulu ngelixa sinciphisa ingxabano kunye noxinzelelo.
5. Inkxaso yasemva koqhawulo-mtshato: Nasemva kokuba uqhawulo-mtshato lugqityiwe, inkxaso yethu ayipheli. Singancedisa ngohlengahlengiso lwasemva koqhawulo-mtshato, ukunyanzeliswa kwemiyalelo yenkundla, kunye nayo nayiphi na eminye imicimbi yomthetho enokuthi ivele.
Umbuzo: Uqhawulo-mtshato luthatha ixesha elingakanani kwi-UAE?
Impendulo: Kuthatha naphi na ukusuka kwiinyanga ezimbalwa ukuya kunyaka ukugqibezela uqhawulo-mtshato.
Ingcaciso: Ubude bexesha letyala loqhawulo-mtshato liyahluka ngokuxhomekeke kwizinto eziliqela, kuquka ukuntsonkotha kwemiba ebandakanyekileyo, umlinganiselo wentsebenziswano phakathi kwamaqabane nocwangciso lwenkundla. Isenokususela kwiinyanga ezimbalwa ukuya ngaphezu konyaka ukuze uqhawulo-mtshato luqosheliswe.
Ukuze uqhawulo-mtshato luqosheliswe, ngokuqhelekileyo kuthatha phakathi kweenyanga ezimbalwa ukuya kutsho kunyaka. Ubude bexesha buxhomekeke kwizinto ezininzi eziquka indlela oluntsonkothe ngayo uqhawulo-mtshato, ukuba isibini sinabantwana okanye asinabo, nokuba kukho isivumelwano sangaphambi komtshato okanye ezinye izivumelwano zemali ekufuneka kuxoxwe ngazo.
Njengamaxesha onke, eyona nto ubheja ngayo kukudibana negqwetha elinamava loqhawulo-mtshato e-UAE ukuze ufumane olona lwazi luchanekileyo noluhlaziyiweyo malunga nemeko yakho ethile kunye nemithetho yasekhaya kunye namasiko ajikeleze uqhawulo-mtshato e-UAE.
Umbuzo: Kubiza malini ukuqesha iGqwetha loqhawulo-mtshato eDubai?
impendulo: Iindleko zokuqesha igqwetha loqhawulo-mtshato e-Dubai zinokwahluka ngokusekelwe kubunzima betyala. Ngokomyinge, ukwenzela i uqhawulo-mtshato ngoxolo, ungalindela ukuhlawula phakathi kwe-AED 10,000 kunye ne-AED 15,000 kwigqwetha loqhawulo-mtshato.
Uqhawulo-mtshato olukhuphisanayo luntsonkothile yaye ngoko lunokubiza imali eninzi. Uqhawulo-mtshato olucetywayo ludla ngokubandakanya ixesha elide lokumangalelana, imihla engakumbi yokuxoxwa kwetyala, kunye nokwenzeka kwezibheno okanye ezinye iinkqubo zomthetho. Eli xesha longezelelekileyo kunye nobunzima bunokukhokelela kwimirhumo ephezulu yezomthetho kumacala omabini.
Ukuba uqhawulo-mtshato lubandakanya inkqubo ende yokumangalelana, iindleko zinokunyuka. Lindela naphi na ukusuka kwi-20,000 ukuya kwi-AED 80,000. Nceda uqaphele ukuba ezi ndleko zinokutshintsha kwaye kuya kuba kuhle ukuba uqhagamshelane ngqo negqwetha okanye inkampani yamagqwetha ukuze ufumane ulwazi oluchanekileyo noluhlaziyiweyo.
Iindleko zokuqesha igqwetha loqhawulo-mtshato zinokwahluka ngokuxhomekeke kwizinto ezifana nokuntsonkotha kwetyala, amava egqwetha, kunye nejografi. Kubalulekile ukuxoxa ngemirhumo kunye namalungiselelo entlawulo kunye negqwetha lakho ngexesha lothethwano lokuqala.
Ukuba ucinga ngoqhawulo-mtshato e-UAE okanye eDubai, kubalulekile ukubonisana negqwetha elinamava elinokukunceda ukuba uqhubele phambili inkqubo. Ngoncedo lwabo, unokuqinisekisa ukuba amalungelo akho akhuselekile kwaye uqhawulo-mtshato lwakho lusingathwa ngendlela efanelekileyo.
Indlela yokuFayila uqhawulo-mtshato kwi-UAE: Isikhokelo esipheleleyo
Qasha iGqwetha eliPhezulu loqhawulo-mtshato eDubai
UMthetho woQhawulo-mtshato we-UAE: Imibuzo Ebuzwa Rhoqo (FAQs)
IGqwetha loSapho
IGqwetha leLifa
Bhalisa iWill yakho
Sinikezela ngothethwano olusemthethweni kwifem yethu yomthetho e-UAE, Nceda usithumelele i-imeyile apha legal@lawyersuae.com okanye Fowunela amagqwetha osapho lwethu eDubai uya kukuvuyela ukukunceda apha +971506531334 +971558018669 (Intlawulo yokubonisana inokusebenza)
