Icandelo lezindlu nomhlaba kwi I-Emirate yaseDubai ibone ukukhula okumangalisayo kule minyaka imbalwa idlulileyo, ibonelela amathuba otyalo-mali anengeniso ezitsala abathengi abavela kwihlabathi liphela. Njengoko ishishini liqhubeka nokukhula ngokukhawuleza, iDubai, UMhlaza kwaye Abu Dhabi urhulumente uphumeze imithetho nemimiselo eyahlukeneyo ukuxhasa uphuhliso lwecandelo ngelixa ekhusela amalungelo abatyali-zimali kunye nabasebenzisi bokugqibela.
Ubudlelwane obuphambili kuyo nayiphi na intengiselwano ye-real estate yi isivumelwano sekhontrakthi phakathi komphuhlisi owakha ipropati kunye nomntu okanye iqumrhu elithenga i-asethi yezindlu. Nangona kunjalo, iingxabano zinokuvela xa elinye iqela laphula imimiselo yekhontrakthi. Ukuqonda iziphumo zokwaphulwa kwesivumelwano ngabaphuhlisi ngaphakathi kwe-UAE okanye indawo yendalo yaseDubai kubalulekile kubathengi abafuna amayeza kunye nezisombululo ezisemthethweni.
Indawo yeReal Estate yaseDubai
I-Dubai inomhlaba we-ultramodern ochazwa zizakhiwo ezikhazimlayo ezikhazimlayo, iziqithi ezenziwe ngabantu, kunye nophuhliso lweendawo zokuhlala. Imakethi yepropathi ye-emirate yayixabisa malunga ne-90 yeebhiliyoni zeedola ze-USD ngo-2021, igxininisa isikali kunye nokubalasela kwezindlu nezindlu kummandla wonke.
Ukungena okukhulu kotyalo-mali lwangaphandle kuye kwangena ekuthengeni iihotele ngaphandle kwesicwangciso, iiflethi, iivillas, kunye neendawo zorhwebo kule minyaka ilishumi idlulileyo. Izicwangciso zentlawulo ezikhangayo, inkuthazo ye-visa (njenge-Golden Visa), kunye neenzuzo zokuphila ukurhwebesha abatyali-mali bamazwe ngamazwe kwicandelo lepropathi laseDubai. NgeZiqithi zeNakheel Marinas Dubai ezizayo, iPalm Jebel Ali, iDubai Islands Beach, iDubai Harbour, njl. isigaba sokukhula.
Urhulumente waseDubai uye wakhupha amalinge omgaqo-nkqubo ohlukeneyo kunye nezikhokelo zolawulo ezijolise ekubekeni iliso kwishishini elikhula ngokukhawuleza ngelixa liphakamisa imigaqo yamalungelo abathengi kunye nokuthotyelwa kwezomthetho. Nangona kunjalo, i isantya esiphezulu sophuhliso yenza ukuba kubaluleke kakhulu kubathengi kunye nabathengisi ukuba baqonde ukumangalelwa kwezindlu nomhlaba kunye nokwaphulwa kwesivumelwano ngamaqela abandakanyekayo, kwaye uthintelo lwamabango olwakhiwo kunye nesisombululo.
Ubudlelwane obusemthethweni phakathi kwabaPhuhlisi kunye nabathengi
Isivumelwano sokuthengwa kwekhontrakthi phakathi komthengi kunye nomphuhlisi senza ubudlelwane bomthetho obusembindini nakweyiphi na indawo yaseDubai yokufunyanwa okanye utyalo-mali olungekho kwisicwangciso. Ukuyila iikhontrakthi ezineenkcukacha ezichaza amalungelo kunye nezibophelelo kunceda ukunciphisa iingxabano zekhontrakthi phantsi ngomgca. Umthetho wepropati we-UAE, ngokukodwa imimiselo engundoqo efana noMthetho we-8 ka-2007 kunye noMthetho we-13 we-2008, ulawula ukuthengiswa kweeyunithi zezindlu phakathi kwamaqela omabini.
IiMbophelelo zoMphuhlisi
Ngaphantsi komthetho wepropathi yaseDubai, abaphuhlisi abanelayisensi babambe uxanduva oluninzi oluphambili:
- Ukwakha iiyunithi zokuthengisa izindlu ngokwezicwangciso ezichongiweyo kunye neemvume
- Ukudlulisela ubunini obusemthethweni kumthengi ngokwesivumelwano ekuvunyelwene ngaso
- Ukubuyisela abathengi kwimeko yokulibaziseka okanye ukusilela ukugqiba iprojekthi
Ngeli xesha, abathengi abangacwangciswanga bayavuma ukwenza iintlawulo ngezavenge ezibotshelelwe kwizigaba zeprojekthi yokwakha kwaye bathathe ubunini ngokusesikweni kuphela emva kokugqitywa. Oku kulandelelana kweziganeko kuxhomekeke kakhulu kumaqela omabini abambelele kwizibophelelo zawo zekontraki.
Amalungelo omthengi
Ngokuhambelana namanyathelo okhuseleko lwabathengi kulo lonke elaseDubai, imimiselo yezindlu nomhlaba ikwaquka amalungelo athile kubathengi bepropathi:
- Cacisa ubunini obusemthethweni be-asethi ethengiweyo emva kokugqiba iintlawulo
- Ukugqitywa kwangexesha kunye nokunikezelwa kwepropathi ngokwexesha ekuvunyelwene ngalo
- Ukubuyiselwa imali kunye nembuyekezo kwimeko yokwaphulwa kwesivumelwano ngumphuhlisi
Ukuqonda la malungelo adityanisiweyo ngundoqo kubathengi abavavanya inyathelo lomthetho malunga nokuphulwa kwekhontrakthi.
Ukwaphulwa kweKhontrakthi ePhambili ngabaPhuhlisi baseDubai
Ngaphandle kwemithetho engqongqo yophuhliso, iimeko ezininzi zinokubandakanya ukwaphulwa kwezivumelwano zomthengi nomphuhlisi kwi-ecosystem yaseDubai:
Ukucinywa kweProjekthi okanye ukubamba
Ulibaziseko lokwakha okanye ukurhoxiswa ngokupheleleyo kweprojekthi ngabasemagunyeni kunokuba nefuthe elibi kubathengi. Kule meko, iNqaku le-11 yoMthetho we-13 ye-2008 iyalela ngokucacileyo abaphuhlisi ukuba babuyisele iintlawulo zabathengi ngokupheleleyo. Eli solotya likhusela amalungelo abatyali-zimali ukuba inkqubela iyathintelwa.
Ukunikezelwa kade kweeYunithi ezigqityiweyo
Uphoswe ngamaxesha okugqiba ukwakhiwa kunye nokudluliselwa kwezinto kubathengi abangenamonde kukwalingana nokwaphulwa kwesivumelwano sekhontrakthi. Nokuba ityala alibandakanyi ukucinywa kweprojekthi ngokupheleleyo, umthetho wepropathi waseDubai usanika abathengi ilungelo lokufumana kwakhona ilahleko kunye nomonakalo kumphuhlisi onoxanduva.
Ukuthengiswa kwamaLungelo ePropati kuMaqela eSithathu
Kuba abaphuhlisi kufuneka babele ubunini ngokusesikweni kubathengi abazalisekisa iintlawulo zekhontrakthi, ukuthengisa loo malungelo kumaqumrhu amatsha ngaphandle kokwaphulwa kwemvume yokwaphula isivumelwano sokuqala sokuthenga. Ezi mpikiswano zinokuvela ukuba abatyali-mali bokuqala bayeka izavenge kodwa abaphuhlisi baqalisa ngokungafanelekanga iinkqubo zokuphelisa, okukhokelela ekubeni ukuhlaliswa kwepropati yolamlo.
Ngokwenyani, ukwaphulwa kwesivumelwano sekontrakthi kujikeleza malunga nabaphuhlisi abasilelayo ekufezekiseni izithembiso ezingundoqo ezixhasa intengiselwano yezindlu nomhlaba, nokuba lulwakhiwo lwangexesha, unikezelo olusesikweni lobunini, okanye imbuyiselo eqinisekisiweyo xa kuyimfuneko. Ukuqonda apho ulwaphulo-mthetho lwenzeka khona kuvumela abathengi ukuba bafune imbuyekezo efanelekileyo phantsi kwe-UAE kunye nomthetho we-real estate waseDubai.
Izisombululo zoMthengi zoKwaphulwa kweKhontrakthi yoPhuhliso
Xa abaphuhlisi bephula izivumelwano zokuthenga, Umthetho wepropathi waseDubai kunye ne-UAE uxhobisa abathengi ukuba bathathe amanyathelo okulungisa abafuna umonakalo, imbuyekezo, okanye ukuhlawulwa kwesivumelwano esophuliwe.
Phambi kokwaphulwa kwesivumelwano ngabaphuhlisi kwimakethi yezindlu zaseDubai, ukuthatha amanyathelo angxamisekileyo kubaluleke kakhulu ukukhusela utyalo-mali lwakho kunye nokukhusela umdla wakho. Kweli candelo lokugqibela, siya kubonelela ngesikhokelo esisebenzayo malunga nokuba abathengi banokwenza ntoni xa bejongene nenyaniso engathandekiyo yokwaphulwa kwesivumelwano.
Unyameko olufanelekileyo phambi kokutyikitya
Ngaphambi kokuba ubeke ipeni ephepheni kwisivumelwano sezindlu nezindlu eDubai, inkuthalo ecokisekileyo ibalulekile. Nantsi into ofanele uyigcine engqondweni:
- Abaphuhlisi boPhando: Phanda isidima kunye nerekhodi yomphuhlisi. Jonga uphononongo, iireyithingi, kunye nengxelo evela kubathengi bangaphambili.
- Ukuhlolwa kwePropati: Zihlole ngokwakho ipropati kwaye uqinisekise ukuba iyahambelana nezinto ozilindeleyo kunye nemigaqo echazwe kwikhontrakthi.
- Qhagamshelana neeNgcali zezoMthetho: Funa iingcebiso kwiingcali zomthetho ezigxile kwimithetho ye-real estate yaseDubai. Banokukunceda uqonde imiqathango kunye neziphumo zekhontrakthi.
IziKhuseli zeKhontrakthi
Xa uyila okanye uphonononga ikhontrakthi yezindlu nezindlu eDubai, ukubandakanya izikhuseli ezithile kunokubonelela ngokhuseleko ngokuchasene nokophulwa okunokwenzeka:
- ImiGaqo ecacileyo: Qinisekisa ukuba ikhontrakthi ichaza ngokucacileyo yonke imiqathango, kubandakanywa iishedyuli zeentlawulo, amaxesha okugqiba, kunye nezohlwayo zokwaphulwa komthetho.
- Imihlathi yezohlwayo: Bandakanya amagatya esohlwayo sokulibaziseka okanye ukutenxa kumgangatho ekuvunyelwene ngawo kunye nemigangatho yoyilo.
- Iiakhawunti ze-Escrow: Cinga ngokusebenzisa ii-akhawunti ze-escrow kwiintlawulo, ezinokunika umgangatho wokhuseleko lwemali.
Isibonelelo soMthetho
Kwimeko yokwaphulwa kwesivumelwano, kubalulekile ukuqonda iinketho zakho zomthetho kunye nendlela yokuqhuba:
- Dibana neGqwetha: Bandakanya iinkonzo zegqwetha elinamava elijongene neengxabano zezindlu nezindlu. Banokuvavanya imeko yakho kwaye bakucebise ngeyona ndlela ilungileyo yokwenza.
- Ingxoxo: Ukuzama ukusombulula umcimbi ngothethathethwano okanye ngolamlo phambi kokuba ubhenele kumthetho.
- Faka isimangalo: Ukuba kuyimfuneko, vula isimangalo ukuze ufune izilungiso ezinjengokurhoxiswa, ukusebenza okuthe ngqo, okanye imbuyekezo.
Funa Iingcebiso Zengcali
Ungaze ulijongele phantsi ixabiso lokufuna iingcebiso zobungcali, ngakumbi kwimiba yezomthetho entsonkothileyo njengokwaphulwa kwesivumelwano:
- Iingcali Zomthetho: Thembela kubuchwephesha beengcali zezomthetho eziqondayo imithetho ye-real estate yase-Dubai kwaye inokukukhokela kwinkqubo.
- Abacebisi bezindlu: Cinga ngokubonisana nabacebisi ngezindlu nabanokukunika ulwazi ngemarike kwaye bakuncede wenze izigqibo ezizizo.
Ukuqalisa ukupheliswa kwekhontrakthi okanye amaTyala
Ukuba ukophulwa kwemiba yekhontrakthi kuyaqhubeka ngaphandle kokuthomalalisa, abathengi banelungelo lokusebenzisa iindlela zomthetho ezingqongqo:
Ukuthumela Ukwaphulwa kweZaziso zeSivumelwano
Phambi kwesimangalo, amagqwetha abathengi azisa ngokusesikweni umphuhlisi ongathobeliyo malunga nokwaphulwa kwesivumelwano sekhontrakthi ngelixa ecela izilungiso ezithile okanye ukuthotyelwa kwesivumelwano sokuqala ngexesha elibekiweyo. Nangona kunjalo ezi zaziso zandulela kunokuba zithintele iinkqubo zenkundla.
Ityala elisemthethweni elichasene nabaPhuhlisi eDubai okanye kwiiNkundla ze-UAE
Ukuba isisombululo sangaphandle kwenkundla asiphumeleli, abathengi banokuqalisa ukumangalelana ngokusesikweni befuna ukulungiswa kwemali okanye ukupheliswa kwekhontrakthi. Izisombululo eziqhelekileyo ezibangwa ngokusemthethweni zibandakanya:
- Umonakalo wembuyekezo ogubungela ilahleko enokulinganiswa
- Ukubuyiswa kweendleko njengemirhumo yezomthetho okanye iintlawulo eziphosiweyo
- Inzala kwimali ebuyisiweyo ayibuyiswanga kwangoko
- Ukutshitshiswa kwemvumelwano yokuqala ngenxa yokwaphulwa kwemithetho engenakulungiseka
Indima yamaqumrhu oLawulo kumatyala eReal Estate
Kwityala lezindlu, amaqumrhu agunyazisiweyo afana I-RERA rhoqo ukuxhasa uxanduva lomthetho. Umzekelo, abatyali-zimali bophuhliso olucinyiweyo banokubuyisa zonke iimali ngekomiti ezinikeleyo yeengxabano ebhalwe phantsi komthetho wepropathi waseDubai.
Ukongeza, ezi arhente ziyakwazi ukutshutshisa abaphuhlisi abangathobeliyo ngokusebenzisa izohlwayo, ukufakwa kuluhlu olumnyama, okanye amanye amanyathelo oluleko ngaphezulu kwamatyala oluntu afakwe ngabamangali ngabanye. Ke ngoko, ulongamelo lolawulo ludala imfuneko eyongezelelekileyo kubathengisi ukunqanda ukophulwa kwemisebenzi emiselweyo.
Isizathu Sokuba Ukuqonda Ukwaphulwa Kwekhontrakthi Ibalulekile
Kwiimarike eziguqukayo ngokukhawuleza njengeDubai, umthetho uyaqhubeka nokukhula ukuze ungqinelane nobugocigoci babathengi, abathengisi, kunye neemveliso. Imithetho yeepropati ehlaziyiweyo ityhila ugxininiso kubulungisa kunye nokungafihli nto okubonakaliswa ngokhuseleko oluphuculweyo lwabathengi kunye neemfuno zengxelo.
Njengoko ishishini liqhubela phambili, bobabini abatyali-mali kunye nabaphuhlisi kufuneka baziqhelanise ngokufunda amalungelo ekontraka kunye noxanduva. Kubathengi, ukuqonda ukophulwa okuqhelekileyo kwenza ukuba kuhlolwe ngokufanelekileyo imingcipheko xa kuvavanywa iiprojekthi ezintsha ngelixa befuna izisombululo ezifanelekileyo kwimeko apho imiba inokuthi yenzeke endleleni.
Nokuba sisisombululo ngaphandle kwenkundla okanye sisesikweni Iinkundla zaseDubai isigwebo, abathengi kufuneka bakhusele ingcebiso yezomthetho yeengcali xa bejongene nolwaphulo-mthetho olukrokrelekayo lwesivumelwano sokuthenga esayiniweyo. Ekubeni amatyala ajolise kumashishini amakhulu ophuhliso lokwaphulwa kwezivumelwano ezintsonkothileyo ahluka kakhulu kumatyala esiqhelo, ukusebenzisana neengcaphephe ezinolwazi ngemithetho yendawo yokuhlala kunye nemithetho elawulayo inika inkxaso ebalulekileyo.
Kwibala lale mihla lepropathi yaseDubai echazwa ngamalinge ezigidi zeedola, abatyali-zimali baphesheya kweelwandle, kunye noluntu oluxubeneyo oluxubeneyo, abathengi abanakukwazi ukushiya ukwaphulwa kwesivumelwano sekhontrakthi kungaqwalaselwanga. Ukuqonda izibonelelo ezisemthethweni malunga nemisebenzi yabaphuhlisi kunye nelungelo labathengi kwenza ukuba uqaphele kunye nenyathelo elikhawulezayo. Ngommiselo owaneleyo wamalungelo epropathi, abathengi banokulandela imijelo emininzi ukuze bakhululwe emva kokuchonga ukophulwa kwempahla.
Ii-FAQ ngoKwaphulwa kweZibhambathiso ngabaPhuhlisi kwiiMeko zeReal Estate
1. Yiyiphi inkcazo yecandelo le-real estate e-Dubai ekhankanywe kwinqaku lenqaku?
- Icandelo lezindlu nezindlu eDubai liphawulwa ngamathuba otyalo-mali anengeniso etsala abathengi. Ukongeza, abezomthetho eDubai banomdla wokuphuhlisa imithetho yokuxhasa ukukhula kweli candelo.
2. Yiyiphi imithetho elawula ubudlelwane bekhontrakthi phakathi kwabaphuhlisi kunye nabathengi kwicandelo le-real estate yase-Dubai?
- Ubudlelwane bekhontrakthi phakathi kwabaphuhlisi kunye nabathengi kwi-real estate sector yase-Dubai ilawulwa yimithetho efana noMthetho we-8 we-2007 kunye noMthetho we-13 we-2008. Le mithetho ichaza isakhelo somthetho sokuthengiselana kwepropati.
3. Ziziphi izibophelelo zabaphuhlisi kwicandelo lezindlu nezindlu eDubai?
- Abaphuhlisi babophelelekile ukuba bakhe iiyunithi ze-real estate kumhlaba ophethwe okanye ovunyiweyo kunye nokudlulisela ubunini kubathengi ngokwemiqathango yekhontrakthi yokuthengisa.
4. Ziziphi iimpembelelo zokuthengisa ngaphandle kwesicwangciso kwimarike yezindlu zaseDubai?
- Ukuthengiswa kwe-Off-plan eDubai kuvumela abathengi ukuba bathenge ipropathi ngezavenge kwaye babonelele ngemali kubaphuhlisi ngeentlawulo zabathengi.
5. Kwenzeka ntoni ukuba iprojekthi ye-real estate icinyiwe yi-RERA (i-Real Estate Regulatory Authority) e-Dubai?
- Ukuba iprojekthi icinyiwe yi-RERA, abaphuhlisi bafunwa nguMthetho onguNombolo 13 ka-2008 ukuba babuyisele zonke iintlawulo zomthengi. Oku kuqinisekisa ukuba amalungelo omthengi akhuselwe ukuba iprojekthi yophuhliso iye yanqunyanyiswa ngokungalindelekanga.
6. Zeziphi iziphumo ukuba umakhi ufika emva kwexesha ekunikezeleni ngobunini bepropati kumthengi?
- Ukuba umakhi ufika emva kwexesha ekunikezeleni ngobumnini, umthengi unelungelo lokubanga imbuyekezo kumphuhlisi. Abathengi banokuzama ukuhlaliswa ngoxolo ngeSebe leMihlaba laseDubai (DLD).
7. Ngaba umthengi unokuyeka ukwenza iintlawulo ngenxa yokwaphulwa kwesivumelwano somphuhlisi?
- Ewe, umthengi unokuyeka ukwenza iintlawulo ukuba umphuhlisi wophula isivumelwano. Kwiimeko ezininzi, iinkundla zigweba ngokuxhasa ilungelo lomthengi lokuphelisa ikhontrakthi, kwaye amabango aphikisayo omphuhlisi ayachithwa ukuba bekukho ukwaphulwa kwesivumelwano kwangaphambili.
8. Ngawaphi amayeza akhoyo kunye nokhetho lokusombulula iingxabano zokwaphulwa kwesivumelwano sezindlu nezindlu eDubai?
- Izisombululo kunye nokhetho lokusombulula iingxabano lubandakanya ukufuna ukuhlaliswa ngoxolo okuququzelelwa liSebe lezeMhlaba laseDubai (DLD), isimangalo ngokuthumela isaziso somthetho kunye nokufaka isimangalo, kunye nokubandakanyeka kwabasemagunyeni abalawulayo njenge-RERA kunye neekomiti zotyalo-mali ukukhusela abathengi abacalucalulo.
9. Iqinisa njani imithetho yepropathi eDubai ithanda abathengi kwiingxabano zezindlu nezindlu?
- Imithetho yepropathi eqinisiweyo eDubai ithanda abathengi ngokubonelela ngeenkqubo ezicacileyo zokunyanzeliswa kwamalungelo omthengi kunye nomphuhlisi kunye nokugcina imigaqo yobulungisa kwiingxabano zezindlu.
10. Yintoni intsingiselo yamagunya alawulayo afana ne-RERA kunye neekomiti zotyalo-mali kwicandelo le-real estate yase-Dubai?
Amagunya olawulo afana ne-RERA kunye neekomiti zabatyali-zimali badlala indima ebalulekileyo ekukhuseleni amalungelo abathengi kunye nokuthatha amanyathelo oluleko kubaphuhlisi abaphula imigaqo.
