Kutheni le nto kuFayilwa iTyala lembambano kuBango lokonzakala komntu kwi-UAE Kubalulekile?

Amabango okulimala komntu angaqaliswa okanye iifayile ngexhoba ngegqwetha lokulimala komntu kumntu okanye inkampani ye-inshurensi ebangele ukulimala. Nangona kunjalo, kukho into efunekayo ekufuneka izalisekiswe kwibango lokwenzakala kwingozi eliza kufakwa kwinkundla yoluntu yaseDubai okanye naziphi na iimirates e-UAE.

Kufuneka kubekho ityala lolwaphulo-mthetho kunye nesigwebo malunga nomntu ngesenzo esingalunganga esenziwe. Kuphela emva koko, ixhoba linokuqalisa ibango lokulimala lobuqu kuloo mntu okanye inkampani yakhe ye-inshorensi ngomonakalo owenziwe sisenzo sakhe esingalunganga.

Kufuneka kugxininiswe ukuba ubutyala bolwaphulo-mthetho alunampembelelo okanye impembelelo kubutyala boluntu (imali ebangwayo yokonzakala) kwesehlo, kodwa isiphumo kufuneka sibe sesakho.

Ngawaphi amaxwebhu afunekayo xa uFayiliswa iTyala lembambano kuBango loKuzenzakalela komntu?

Kwi-UAE, amabango omonzakalo angafakwa phantsi komthetho woluntu, kwaye awela phantsi kwetyala elibi. Imiba enxulumene nokwenzakala komntu igutyungelwe phantsi kweKhowudi yeCivil yoMthetho we-Federal Law ka-1985 kwaye igutyungelwe ngamanqaku amaninzi kuMgaqo-siseko.

Ixhoba kufuneka lingenise la maxwebhu alandelayo xa lifakela ibango lokwenzakala lobuqu:

Uxwebhu oluchaza ngokwenzakala kunye noluhlu lomonakalo owenziweyo kunye neemfuno zokubuyekeza umonzakalo owenziweyo
Ingxelo yamapolisa inika ingxelo epheleleyo yophando kunye nokubonwa kwesiganeko
Ikopi yesigwebo setyala lamapolisa kunye nesatifikethi sokutshutshisa esidlangalaleni sesigwebo sokugqibela
Ipesenti yokukhubazeka ejongene nexhoba ngenxa yokwenzakala komntu ongqinelwa ngugqirha ogunyazisiweyo okanye Ukuba ixhoba alinayo le ngcaciso, ngoko unokucela inkundla ukuba izise iNgcali yezoNyango ukuze kuhlolwe ukukhubazeka.
Ingxelo yonyango yexhoba kunye namatyala eendleko
Ubungqina bempembelelo yezoqoqosho kwixhoba ngenxa yokwenzakala komntu. Oku kunokuba sisivumelwano sengqesho, isatifikethi somvuzo kunye nobunye ubungqina bengeniso echatshazelwe kukwenzakala komntu

Ndilifumana Njani Inkxaso-mali YeBango Lam Lokwenzakala Emva Kwengozi?

Ungawaxhasa amabango akho okwenzakalisayo ngezi ndlela zilandelayo zinikwe ngezantsi:

Phantsi kolungiselelo “lokungaphumeleli-akukho mrhumo” nokwaziwa njengesivumelwano somrhumo wemiqathango, ixhoba aliyi kujongana nomngcipheko wemali wokulandela ibango kwaye akusayi kufuneka ukuba lihlawule umrhumo wegqwetha kwasekuqaleni. Phantsi kwalo mqathango, akuyi kufuneka uhlawule nayiphi na imali yezomthetho de ibango libe yimpumelelo.
Amagqwetha ethu okanye amagqwetha ethu angakunceda ngetyala lakho lembambano, ukuze ufumane imbuyekezo yokuhlawula zonke iindleko zakho kwaye ubuyele ezinyaweni zakho ngokukhawuleza. Sibiza i-AED 1000 ngokubhalisa nathi kunye ne-15% yemali ebangwayo yetyala lembambano (emva kokuba ufumane imali). Iqela lethu lezomthetho likubeka kuqala, nokuba kwenzeka ntoni na, yiyo loo nto sibiza ezona ntlawulo ziphantsi xa kuthelekiswa nezinye iifemu zomthetho.

UngaQinisekisa Njani 'Intlungu Nokubandezeleka' Kwibango Lokwenzakala Okanye Imbuyekezo?

Ubuninzi beendlela zingasetyenziswa ukunika ubungqina bentlungu kunye nokubandezeleka ngenxa yokulimala komntu owela ngokuhambelana nomthetho wokulimala. Amatyala ezonyango, iirekhodi, kunye neengxelo kunye nefoto yokonzakala zinokuqokelelwa kwaye zinikezelwe kwinkampani yeinshurensi okanye enkundleni ngexesha lebango.

Ubungqina bengcali kunye nokubonisana kwengqondo kungasetyenziselwa ukubonisa intlungu kunye nokubandezeleka okujongene nexhoba. Intlungu kunye nokubandezeleka zizinto ezingekho phantsi kwezoqoqosho kodwa zifuna ukuphononongwa ukwenzela ukuba impembelelo yale miba inokulinganiswa kwaye ihlawule ngokufanelekileyo.

Ikamva lakho lonke linokuxhomekeka kwimbuyekezo epheleleyo

Kwinkampani okanye abantu abathile, obamangalelayo – ityala lakho lisenokuba yinkcitho ekruqulayo. Kodwa kuwe njengexhoba, inokutshintsha ubomi.

Ukwenzakala kwakho kunganciphisa amandla akho okwamkela kwixa elizayo. Basenokukuthintela ukuba usebenze kwixesha elizayo kumsebenzi ofanayo kwakhona.
Ukwenzakala kwakho kunokukhokelela kwiindleko zonyango kwixesha elizayo ezifana notyando, uncedo lwezonyango okanye amayeza.
Usenokuba ufumene ubunzima obutshintshayo ngokweemvakalelo ngenxa yokwenzakala kwakho.

Imbuyekezo epheleleyo ngokwenzakala kwakho akuyi kususa uxinzelelo kunye neentlungu zengozi kodwa iya kukunceda ukuba uphile nayo. Kwaye emva kokuba uxinzelelo lwezemali lususiwe, imbuyekezo yakho iya kukunceda ugxininise kwimpilo yakho kunye nokubuyisela.

Ngokweenkcukacha-manani, xa uqeshe igqwetha lokwenzakala kwakho uya kufumana imbuyekezo ethe kratya enokwenzeka kunokuba ugqibe kwelokuba uhambe netyala lembambano wedwa. Oku kuthetha ukuba nangona imirhumo yamagqwetha kuya kufuneka ihlawulwe, isixa-mali sakho sokugqibela siya kuba phezulu kakhulu kunoko unakho ukuze ukwazi ukuhlangabezana nezi ndleko zongezelelweyo.

Uliqesha nini iGqwetha loNzakala loBuqu?

Kwiziganeko ezincinci, akukho mfuneko yokuzisa igqwetha lokulimala komntu ukuba isibonelelo esifanelekileyo sokuhlaliswa sinikezelwa liqela elichasayo kwaye impembelelo yesiganeko ayibalulekanga. Nangona kunjalo, kwiimeko ezinzima ezifana nengozi ebangele ukwenzakala kwengqondo, ukwenzakala komqolo okanye ukukhubazeka kwixhoba, igqwetha lebango lengozi kufuneka lingeniswe ngokukhawuleza.

Ukushwankathela, igqwetha elenzakeleyo kufuneka lingeniswe ngokukhawuleza xa:

Xa uqinisekile ukuba iqela elichasayo lalinoxanduva lwesehlo, kodwa inkampani ye-inshurensi inqabile ukuhlawula ibango.
Ukuba ityala linzima. Ityala linokuba nzima ngenxa yokubandakanyeka kwamaqela amaninzi. Kwiimeko ezinjalo, amagqwetha okulimala komntu anceda ekuqaqambiseni abamangalelwa abanoxanduva kunye nendlela ekufuneka kwabelwane ngayo phakathi kwabo.
Xa kunikwa isisombululo kodwa ucinga ukuba akukho ngqiqweni. Phantsi kweemeko ezinjalo, igqwetha elinamava okwenzakalisayo kufuneka lingeniswe ebuhlantini phambi kokuba lamkele isithembiso solungiso esingekho ngqiqweni.

IiNzuzo zokuQesha iGqwetha loNzakala loBuqu

Ubungcali kunye nenjongo: Ukulandela isiganeko, ixhoba kunye nabantu abasondeleyo kuye basenokungabi ngabantu abalungileyo ukuba bathathe izigqibo njengoko izigqibo zabo zinokuthi zenzeke ngenxa yokwenzakala ngokomzimba nangokweemvakalelo kweso siganeko. Ukulandela isiganeko, ugxininiso lwabo basondeleyo kwixhoba kukunyamekela iimfuno zonyango kunye nomzimba wexhoba. Ukufakela kunye nokulandela ibango lokulimala kuthatha i-backseat. Ngexesha elinjalo, kuyimfuneko ukuzisa igqwetha lokulimala lomntu, elinokuthi lijonge kuphela inkqubo yebango kwaye liqinisekise ukuba imbuyekezo engcono kakhulu ifunyenwe ngenxa yokulimala okubuhlungu.
Uthethwano olomeleleyo: Umntu oqhelekileyo akanakukwazi kakuhle ukuthetha-thethana neenkampani ze-inshurensi okanye iifemu zomthetho ngokuchasene negqwetha lokulimala komntu, owenza lo msebenzi ukuze afumane isonka kunye nebhotela. Ke ngoko, igqwetha elenzakeleyo lilindeleke ukuba lifumane isisombululo esingcono kunokufuna ibango uwedwa.
Imbuyekezo eKhawulezayo: Kuya kufuneka uphile ngokupheleleyo phambi kokuba ulandele ibango lokwenzakala. Nangona kunjalo, ukuba igqwetha lokulimala lobuqu liqeshiwe ngoko inkqubo iqala ngexesha langaphambili kwaye inkqubo iyonke iyenzeka ngesantya esikhawulezayo njengoko igqwetha lebango lengozi linolwazi olungakumbi kwaye linolandelelwano olungcono ekulandeleni ibango.

Leliphi Inyathelo Lokuqala Lebango?

Ixhoba liya kuqalisa inkqubo ngokufaka ibango kwikomiti yolamlo ngenxa yokwenzakala komntu okubangelwa ngumenzi wobubi. Indima yekomiti yolamlo kukuhlanganisa la maqela mabini ukuze avumelane ngesisombululo ngomba wokwenzakala komntu.

Kwenzeka Ntoni KwiNkundla YokuQala Kwityala Lembuyekezo?

Ukuba ikomiti yolamlo ayikwazi ukusombulula umcimbi phakathi kwala maqela mabini ixhoba lifaka isimangalo kwinkundla yokuqala. Ixhoba liya kuba ngumkhalazi enkundleni yomthetho.

Emva kokuba ityala lifakwe kwinkundla yokuqala, inkundla iya kuthumela isaziso kumenzi wobubi, oya kudlala indima yommangalelwa emehlweni enkundla. Ummangalelwa unokukhetha ukwamkela, ukukhaba okanye ukunikezela isithembiso esichasayo kwiimfuno ezibekwe ngumfaki-sikhalazo.

Ibalwa Njani Imbuyekezo Ngomonzakalo Womntu?

Ukudibanisa ngokuthe ngqo kunye nokungathanga ngqo phakathi kwesenzo somenzi wobubi kunye nokulimala okubangelwa kwixhoba kusetyenziswa njengesiseko sokubala umonakalo walo naluphi na ukwenzakala komntu owenziwe kwixhoba. Umthetho wetyala letyala uyaqalisa ukusebenza ukunika ilungelo ixhoba lokufumana imbuyekezo ngokuchasene nomonakalo okanye ilahleko kwixhoba. Umonakalo kunye nelahleko kwixhoba inokuba ngokuthe ngqo okanye ngokungathanga ngqo. Umvuzo othe ngqo unokuba yilahleko yomvuzo, impahla, okanye iindleko zonyango ngenxa yokwenzakala komntu.

Isixa sembuyekezo sixhomekeke kwimeko nganye kwaye sixhomekeke kwezi zinto zilandelayo:

Ubudala bexhoba
Umonakalo owenziwe kwixhoba
Iimbandezelo zokuziphatha ezijongene nexhoba
Inkcitho yezonyango eyenziwe lixhoba ukuze lichache kukwenzakala lobuqu
Umvuzo wexhoba kunye nenkcitho eyenziweyo ukunyamekela usapho lwalo

Ijaji inegunya lokugqiba ngesixa sembuyekezo phantsi kwekhowudi yoluntu ye-UAE emva kokuthathela ingqalelo ezi zinto zingasentla. Emva kokuba ijaji ibhengeze isixa sembuyekezo phantsi komthetho woluntu we-UAE, ukuba naliphi na iqela licinga ukuba imbuyekezo ayifanelekanga ngoko banelungelo lokuphikisa isigqibo kwinkundla yesibheno.

Umfaki-sicelo unokuba nombono wokuba banelungelo lokufumana imbuyekezo ephezulu kwaye ijaji ayizange iphendule ngokupheleleyo yonke into kwimbuyekezo. Ngakolunye uhlangothi, ummangalelwa unokucinga ukuba imbuyekezo eyalelwe ngumgwebi ayinabulungisa kwaye ayinabulungisa kwaye mhlawumbi abanatyala okanye kufuneka banyanzeliswe ukuba bahlawule imbuyekezo ephantsi yokulimala komntu kumfaki-sicelo.

Lingakunceda njani iGqwetha lokonzakala komntu kwi-UAE ukuba ufumane iMbuyekezo ePhezulu?

Umthetho usenokubhideka, yaye kusenokuba nzima ukuhamba iinkundla kwilungu losapho okanye igqwetha elingenamava laloo mntu wonzakeleyo. Kodwa ukuba wonzakele emsebenzini okanye kwingozi yemoto okanye yendlela, kufuneka uzive uqinisekile ukuba ityala lakho lokwenzakala liya kusingathwa ngononophelo olukhulu ligqwetha elinamava eligxile kumatyala embuyekezo yokwenzakala.

Ukukhetha iqela lezomthetho elizakumela kwityala lokwenzakala sisigqibo esibalulekileyo. Njengoko uhamba kwimarike simahla yeenkonzo zomthetho, kubalulekile ukwazi ukuba yeyiphi imibuzo onokuyibuza nendlela yokukhetha elona gqwetha lilungileyo kuwe kwaye ukongezelela kunokwenzeka ukuba ufumane imbuyekezo ephezulu ukuba unokumelwa ngokusemthethweni kwicala lakho. Kwanokuba uziva uqinisekile ukuba unokumela izilangazelelo zakho, inyaniso yeyokuba ngaphandle koncedo lwegqwetha elinobuchule nelinamava, akunakufane kwenzeke ukuba ukwazi ukuqinisekisa ukuba okusesikweni kuya kwenziwa ngendlela obufanele ngayo.

Ifemu yoMthetho eKhethekileyo kuMatyala amaBango okwenzakala eDubai, e-UAE

Siyifem yomthetho ekhethekileyo ejongana ngokuthe ngqo nawaphi na amabango okulimala kunye nembuyekezo kwimoto okanye kwiimeko zengozi yomsebenzi. Ifemu yethu yeyona ibalaseleyo kwishishini, ke ukuba wonzakele kakhulu okanye wonzakele kwingozi, kusenokwenzeka ukuba ukulungele ukufumana imbuyekezo ngomonzakalo wakho.

Amatyala okulimala komntu anokuba nzima

Iimeko zokulimala komntu azizange zithe ngqo, kwaye akukho matyala amabini ahlala efana. Ngoko ke, ngaphandle kokuba unexesha, izixhobo, kunye nolwazi oluhle lwenkqubo yomthetho, eli asiloxesha lokufunda izakhono ozifunayo ukuze uzimele.

Igqwetha elikhethekileyo lomonzakalo lichitha iminyaka yokusebenza kwaye liza namava afundwe kumatyala angaphambili. Igqwetha lakho liya kuba nothungelwano lobuchwephesha kunye namava okusebenza namanye amagqwetha. Ngokuchaseneyo nawe ungonzakala kwaye ukhathazeke ngekamva lakho, ubandakanyeka ngokwasemoyeni kwaye unomsindo kwaye awunazo izakhono zomthetho kunye nenjongo yegqwetha eliqeqeshiweyo, kwaye awunakuba nolwazi olubanzi malunga nendlela yokwenza ibango lakho.

Ukuba ibango lakho lichasene nomzekelo wenkampani enkulu ye-inshurensi enkulu okanye ifemu enkulu, uyazi ukuba baya kwenza konke okusemandleni abo ukunciphisa ityala okanye isixa sebango. Bahlala bebiza amagqwetha amakhulu ompu ukuqinisekisa ukuba imbuyekezo yakho iphantsi kangangoko. Ukuqesha igqwetha lakho leengozi kumgangatho webala lokudlala kwaye kukunika ithuba elingcono kakhulu lokuzinzisa kakuhle kunokuba unokuzuzwa ngokuzihambela wedwa.

SiyiFemu yoMthetho woNzakala woMntu oKhethekileyo kunye namava

Ngo-1998, abaseki bethu kunye namagqwetha aphezulu bafumana umsantsa omkhulu kwimarike kwaye bagqiba ekubeni bavule iofisi ukuze basebenze kumatyala okwenzakala komntu. Sasinabanye abathathu kuphela abancedisi bezomthetho ukubanceda baqalise uhambo lwabo. Basebenza ukusuka phantsi kwaye bakwazi ukuguqula iofisi yabo yokuqala ibe yinkampani enkulu eneendawo ezininzi (Dubai, Abu Dhabi, Fujairah naseSharjah). Ifemu yethu yomthetho wokwenzakala ngoku yenye yezona zinkulu kwilizwe liphela kwaye iphethe amakhulu amatyala kubemi kulo lonke elase-UAE.

Sigxile ekukuncedeni ufumane imbuyekezo yemali onelungelo layo. Le mali ingakunceda ngokwezimali kulo naluphi na unyango lwezamayeza okanye iinkqubo ekuye kwafuneka ukuba uzilandele emva kwengozi, kunye nokuhlawula nawuphi na umvuzo olahlekileyo okanye ukubandezeleka okunokuba kukubangele.

Thina siphezulu kwintsimi yethu kwaye siphatha iindidi ezininzi zamatyala okungakhathali, ezifana nobugwenxa bezonyango okanye umthetho, iingozi zemoto, iingozi zeenqwelomoya, ukungakhathali kokunakekelwa kwabantwana, iisuti zokufa ezingafanelekanga, phakathi kwezinye iziganeko zokungakhathali.

Sibiza i-AED 5000 ngokubhalisa nathi kunye ne-20% yemali ebangwayo emva kokuba uphumelele ityala lembambano (kuphela emva kokuba ufumene imali). Qhagamshelana nathi ukuze uqalise kwangoko.

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