IsiKhokelo kwiNdawo yeMarike yePropati yaseDubai
IDubai, enezakhiwo zayo ezintle ezimenyezelayo kunye neendawo ezintle zomhlaba, ibonelela ngentengiso enomtsalane yezindlu nomhlaba. IDubai imenyezela njengelitye elinqabileyo entlango, enikezela ngamathuba egolide kubatyali-zimali abafuna izivumelwano zezindlu nezindlu ezinengeniso. Njengenye yeemarike zepropathi ezishushu zehlabathi, iDubai ihenda abathengi ngemithetho yobunini yenkululeko, imfuno eyomeleleyo yezindlu, kunye namathemba aqaqambileyo.
Ukuba ucinga ngokutyala imali kwipropathi kwesi sixeko sidlamkileyo, ukuqonda iintlobo ngeentlobo zeepropathi kubalulekile. IDubai inomhlaba wepropathi eyahlukeneyo, equka indawo yokubamba simahla kunye neepropati zokuqeshisa, ngaphandle kwesicwangciso kunye neepropati ezisele zilungile, kunye neendawo zokuhlala kunye nezorhwebo.
Yintoni eyenza iDubai Real Estate ikhangeke kangaka?
Makhe sihlolisise iimpawu ezimbalwa eziphambili ezenza iDubai ibe yindawo ephezulu yotyalo-mali lwehlabathi:
Indawo ekusingwa kuyo isibheno kunye nokwanda kwabemi
Bangaphezu kwezigidi ezili-16 abakhenkethi abatyelele eDubai ngo-2022, betsalwa ziilwandle, iivenkile ezithengisayo, kunye nenkcubeko enomtsalane. IDubai iphinde yafumana ngaphezulu kwe-30 yeebhiliyoni zeedola kutyalo-mali lwangaphandle kulo nyaka uphelileyo. Inani labantu base-UAE likhule nge-3.5% kwi-2022 kunye ne-2023. Ngo-2050, i-Dubai ilindele ukwamkela i-7 yezigidi zabahlali abatsha. Oku kuthontelana kwabakhenkethi kunye nabemi abatsha kuqinisekisa imfuno enempilo yamakhaya eDubai kunye nerenti, nangona inokuthi ikhokelele iingxabano zokwakha oonobangela njengolibaziseko kunye nemiba yobulunga ukuba abaphuhlisi bayasokola ukuhambisana nemfuno.
Indawo ecwangcisiweyo kunye neziseko zophuhliso
IDubai idibanisa iMpuma neNtshona ngesikhululo seenqwelomoya sodidi lwehlabathi, oohola bendlela bale mihla, kunye nothungelwano lwezibuko olunabileyo. Imigca emitsha yemetro, iibhulorho, kunye neenkqubo zendlela zandisa isiseko seDubai. Ii-asethi ezinjalo ziqinisa indima ye-Dubai njenge-hub yezorhwebo kunye neyolungiselelo loMbindi Mpuma.
IMozulu eLungeneyo kwiShishini
IDubai ibonelela abatyali-zimali bangaphandle i-100% yobunini beshishini ngaphandle kwerhafu yengeniso yomntu. Umvuzo wakho okanye inzuzo yeyakho yonke. Iipropati ezicandelwe urhwebo kwiindawo ezifana neDubai Media City kunye neDubai Internet City zibonelela ngoseto olunengeniso kwiifemu zehlabathi. Ezi hubs zikwagcina amawakawaka abantu abatyebileyo abachwephesha abafuna izindlu ezikumgangatho ophezulu.
Premium Luxury Branding
Abaphuhlisi abakhulu baseDubai bathanda IDAMAC kunye no-Emaar bafezekise ubugcisa bokuphila ubomi obutofotofo, batsala abathengi abaphezulu abaneziqithi zabucala, iivillas ezisecaleni kolwandle, kunye neesuite zepenthouse zabucala ezibonisa izinto ezintle ezifana namachibi abucala, iigadi zangaphakathi, kunye nezixhobo zegolide.
Ukunqongophala kweeRhafu zePropati
Ngokungafaniyo nezizwe ezininzi, iDubai ayihlawulisi rhafu yepropathi yonyaka. Abatyali epokothweni yokurenta bavelisa simahla irhafu ngelixa bephepha ukusika kwimida.
Makhe sihlolisise indlela abantu basemzini abanokwenza ngayo imali kwimarike yepropathi yaseDubai.
Ngubani onokuThenga iDubai Real Estate?
ukuba Umthetho we-Real Estate onguNombolo 7 ka-2006, Ubunini bepropathi yaseDubai buxhomekeke kubuzwe bomthengi:
- Abahlali be-UAE/GCC: Ungathenga ipropathi yasimahla naphi na eDubai
- Ba semzini: Unokuthenga ipropati kwii-~40 zezowuni ezichongiweyo zasimahla okanye ngezivumelwano zokuqeshisa ezivuselelweyo.
Kwabo bajonga iipropathi zotyalo-mali lwaseDubai ngengeniso yerenti, kubalulekile ukuqonda amalungelo omnini-mhlaba kunye nomqeshi e-UAE ukuqinisekisa ubudlelwane obungenamagingxi-gingxi nomqeshi-mhlaba.
I-Freehold Vs. Iipropati zokuqeshisa
I-Dubai ivumela abantu basemzini ukuba babe neepropati ezikhululekile kwiindawo ezichongiweyo, ukubonelela ngamalungelo obunini apheleleyo. Nangona kunjalo, kububulumko ukuqonda imiba yezomthetho efana Umthetho welifa we-UAE we-expats xa kusakhiwa ubunini. Ngokuchaseneyo, iipropati eziqeshiswayo zibonelela ngobunini bexesha elithile, ngokuqhelekileyo iminyaka engama-50 okanye engama-99. Zombini iinketho zineenzuzo zazo, kwaye ukhetho lwakho kufuneka luhambelane neenjongo zakho zexesha elide.
I-Off-Plan Vs. Iipropati eziLungileyo
Ngaba uyatsaleleka kulonwabo lokuthenga ipropathi ngaphambi kokuba yakhiwe okanye ukhethe into elungele ukuhlalwa kuyo kwangoko? Iipropati ezingaphandle kwesicwangciso zibonelela ngogcino lweendleko ezinokubakho kodwa zibandakanya umngcipheko ongaphezulu. Iipropathi ezisele zilungile, kwelinye icala, zilungile, kodwa zinokuza ngexabiso eliphantsi. Isigqibo sakho sixhomekeke ekunyamezeleni kwakho umngcipheko kunye nexesha elifanelekileyo.
Indawo yokuhlala vs. Iipropati zoRhwebo
Iipropati zokuhlala zibonelela abaninimzi kunye nabaqeshi, ngelixa iipropati zorhwebo ziyilelwe amashishini. Ukuqonda ama-nuances phakathi kwezi ndidi kuya kukunceda unciphise ukhetho lwakho.
Siza kugxila ikakhulu kubunini basimahla njengoko ibonelela ngamalungelo apheleleyo epropathi kunye nolawulo lwabatyali-mali.
Amanyathelo okuthenga iPropati yaseDubai
Landela le mephu yendlela ngokubanzi xa uthenga indawo yaseDubai njengomntu wasemzini:
1. Fumana iPropati eLungileyo
- Chaza izinto ozikhethayo njengobukhulu, amagumbi okulala, izinto eziluncedo, ubumelwane.
- Misela uluhlu lwexabiso ekujoliswe kulo
- Phanda amaxabiso emarike kwiintlobo zepropathi ezinqwenelekayo kwiindawo ezithile
Ungajonga uluhlu lweepropathi kwiiphothali ezifana nePropertyFinder, iBayut okanye ucele umthengisi wezindlu wasekhaya ukunceda ukucebisa okukhethwa kukho.
I-Zero kwi-2-3 yeepropati ezinokubakho emva kokujonga uluhlu kunye negalelo kwi-arhente yakho.
2. Ngenisa unikezelo lwakho
- Thetha imimiselo yokuthenga ngokuthe ngqo nomthengisi/umphuhlisi
- Nikeza nge-10-20% ngezantsi kwexabiso elicelwayo kwigumbi lokushukuma
- Chaza yonke imiqathango yokuthenga kwileta yakho yonikezelo
- Ubume bokuthenga (imali/imali yokubambisa)
- Ixabiso kunye neshedyuli yentlawulo
- Umhla wokuba nepropati, amagatya emeko yepropati
- Yenza unikezelo lokuthenga lubophelele nge-10% idipozithi yangaphambili
Qasha igqwetha lepropathi yendawo ukuba liyile / lingenise umnikelo wakho. Baya kugqiba isivumelwano sokuthengisa kanye (ukuba) umthengisi wamkela.
Ukuba umphuhlisi uyasilela ukunikezela ngepropati ngokweshedyuli okanye ingcaciso ekwikhontrakthi, iya kwenza a umphuhlisi wokophulwa kwesivumelwano ukubavulela indlela yomthetho.
3. Sayina isiVumelwano sokuThengisa
Le khontrakthi ichaza intengiselwano yepropati kwiinkcukacha ezisemthethweni. Amacandelo aphambili agubungela:
- Izazisi zomthengi nomthengisi
- Iinkcukacha ezipheleleyo zepropati -Indawo, ubungakanani, iinkcukacha zesakhiwo
- Isakhiwo sokuthenga – ixabiso, isicwangciso sentlawulo, indlela yenkxaso-mali
- Umhla wokuhlala kunye nenkqubo yokudluliselwa
- Amagatya anokwenzeka - iimeko zokuphelisa, ukwaphulwa, iingxabano
Hlaziya zonke iinkcukacha ngokusondeleyo phambi kokuba utyikitye (Imemorandam yokuqonda) I-MOU
4. Iakhawunti ye-Escrow kunye neMali yeDiphozithi ngabaPhuhlisi
- Iiakhawunti ze-Escrow zibambe ngokukhuselekileyo imali yomthengi ngexesha lenkqubo yokuthengisa
- Idiphozithi yonke imali yotshintshiselwano ngemali
- Idiphozithi yentlawulo yokubambisa + imirhumo yezivumelwano zemali
- Bonke abaphuhlisi baseDubai banikezela ngeenkonzo ze-escrow ngeebhanki ezithembekileyo
5. Fumana iiMvume kunye nobunini boDluliselo
I-arhente yakho okanye igqwetha liya:
- Ungafumanna iSatifikethi sokuchasa (NOC) kumphuhlisi
- Ukuhlawula amatyala asele eluncedo
- Uxwebhu lodluliselo lobunini befayile nge iSebe loMhlaba laseDubai
- Hlawula umrhumo wobhaliso (4% ixabiso lepropati)
- Bhalisa intengiso kwabasemagunyeni olawulo
- Fumana iSivumelwano soBunini esitsha egameni lakho
Kwaye voila! Ngoku unepropathi kwenye yeemakethi ezithandwa kakhulu ngabatyali-zimali.
Ukukhuthala okuyimfuneko kunye noQinisekiso
Ngaphambi kokuba kugqitywe nayiphi na intengiso yepropati, unyameko olucokisekileyo luyimfuneko ukuze kuthintelwe iingxabano ezinokubakho zomthetho.
Ukubaluleka koQinisekiso lweSivumelwano soBuninimhlaba
Ukuqinisekisa ubunini bepropathi ngetayitile akunakuxoxwa. Qinisekisa ukuba imeko yezomthetho yepropathi icacile ngaphambi kokuba uqhubeke.
Akukho Iimfuneko zeSatifikethi sokuchasa (NOC).
Ii-NOC zinokufuneka kwiintengiselwano zepropati ezibandakanya izizwe okanye iimeko ezithile. Ukuqonda ixesha kunye nendlela yokuzifumana kubalulekile.
ISatifikethi sokuGqibela uKwakha (BCC) kunye neeNkqubo zokuHambisa
Xa uthenga iipropati ezingaphandle kwesicwangciso, ukwazi ukukhutshwa kwe-BCC kunye nenkqubo yokunikezelwa kuqinisekisa inguqu egudileyo ukusuka kumphuhlisi ukuya kumnini.
Ukukhangela aMatyala aBalaseleyo kunye neeNgxaki
Iimfanelo ezingalindelekanga okanye izithintelo zingenza nzima uthengiselwano lwepropati. Uvavanyo olubanzi lubalulekile.
Ukukhuthala Okufanelekileyo IiNdlela eziLungileyo zokuNqanda iiNgxwabangxwaba ngokwasemthethweni
Ukuphumeza ezona ndlela zilungileyo ngononophelo olufanelekileyo likhaka lakho kwiimpikiswano ezinokuthi zibekho zomthetho kwixesha elizayo.
Iindleko: Ukuthenga i-Dubai Real Estate
Faka ezi ndleko kuhlahlo lwabiwo-mali lokuthenga umhlaba njengomthengi wangaphandle:
Ubeka imali phantsi
- Kukho i-10% yentlawulo yemali ephuma kwixabiso lokuthengisa kwiipropati ezisele zilungile, kunye ne-5-25% yentlawulo yemali ephuma kwixabiso lokuthengisa kwiipropati ezingaphandle kwesicwangciso ngokuxhomekeke kumphuhlisi.
- I-25-30% yezivumelwano zokubambisa
Imirhumo yokuTshintshela umhlaba waseDubai: I-4% yexabiso lepropati kunye neentlawulo zoBhaliso & nenkonzo
Umthengisi zindlu: I-2%+ yexabiso lokuthenga
Ugqithiselo olusemthethweni kunye nobunini: 1%+ yexabiso lepropati
Ukwenziwa kweMortgage: 1% + imali-mboleko
Ukubhaliswa kwePropati kwiSebe lezeMihlaba (Oqood): 2%+ yexabiso lepropati
Khumbula, ngokungafaniyo namazwe amaninzi, iDubai ayihlawulisi rhafu yepropathi yonyaka. Umvuzo wokurenta ozinzileyo uqukuqela ngaphandle kwerhafu kwiipokotho zakho.
Indlela yokufumana imali kwiPropati yaseDubai
Ngesicwangciso semali esifanelekileyo, phantse nawuphi na umthengi unokuxhasa ngemali ukuthengwa kwepropathi yaseDubai. Makhe sihlolisise iindlela ezithandwayo zokufumana imali.
1. Intlawulo yemali
- Kuphephe inzala yemali-mboleko kunye nemirhumo
- Inkqubo yokuthenga ngokukhawuleza
- Yandisa ingeniso yerenti kunye nolawulo lobunini
Ngaphantsi: Ifuna oovimba abakhulu bolwelo
2. Imali ye-Mortgage
Ukuba awukwazi ukuthenga ngemali, imali yokubambisa yebhanki inikezela nge-60-80% yemali kubatyali-mali bepropathi yaseDubai abafanelekileyo.
- Ukwamkelwa kwangaphambili kuqinisekisa ukufaneleka kwemboleko
- Amaxwebhu afunekayo ajonga imali, amanqaku ekhredithi, uzinzo lwengeniso
- Inzala iyahluka ukusuka kwi-3-5% kubaboleki abahloniphekileyo
- Iimali mboleko zexesha elide (iminyaka eyi-15-25) zigcina iintlawulo ziphantsi
Iimali zokubambisa zihlala zibafanele abasebenzi abahlawulwayo abanemivuzo ezinzileyo.
I-Mortgage Downsides
- Inkqubo yesicelo eside
- Umvuzo kunye nemiqobo yokuvunywa kwetyala
- Iindleko eziphezulu zenyanga kunokuthengwa ngemali
- Izohlwayo zokuhlawula kwangoko
Abatyali-zimali abaziqeshileyo banokufuna ukubonelela ngamaxwebhu ongezelelweyo okanye bakhethe enye indlela yokuxhasa ngemali ngababolekisi babucala.
3. Inkxaso-mali yoMphuhlisi
Abaphuhlisi abaphezulu bayathanda I-DAMAC, i-AZIZ okanye i-SOBHA bonelela ngeenkqubo zemali zesiko eziquka:
- Izicwangciso zokuhlawula ezongeziweyo nge-0%.
- Izaphulelo zokuthenga ngemali
- Amakhadi okuthenga ngetyala aneempawu ezithandekayo ezinemivuzo enomtsalane
- Ugqithiselo & ukunyaniseka iibhonasi
Iinkuthazo ezinjalo zibonelela ngokuguquguquka xa uthenga ngokuthe ngqo kubaphuhlisi bepropati abakhethiweyo.
Ingcaphephe yeSikhokelo seReal Estate saseDubai
Ngethemba, ngoku uyawaqonda amandla anomvuzo wotyalo-mali lwezindlu zaseDubai. Ngelixa inkqubo yokuthenga ifuna iindlela ezahlukeneyo zokusesikweni, Sincedisa abatyali-mali bangaphandle
Ngexesha lokukhangelwa kwepropathi yakho, ii-arhente ezinamava zinceda:
- Uthethwano lokuqala lwemarike
- Indawo ye-intel kunye nesikhokelo samaxabiso
- Ukujongwa kunye novavanyo lokhetho olufutshane
- Inkxaso yothethathethwano lwemigaqo yokuthenga engundoqo
Kuyo yonke inkqubo yokuthenga, abacebisi abazinikeleyo bayanceda:
- Phonononga imigaqo kwaye uchaze imirhumo/iimfuno
- Qhagamshela abathengi kunye namagqwetha athembekileyo kunye nabacebisi
- Ukujonga imbonakalo kwaye uncede ugqibezele iipropathi ezifanelekileyo
- Ngenisa kwaye ulandelele izibonelelo zokuthenga/izicelo
- Unxibelelwano phakathi kwabathengi, abathengisi kunye namaqumrhu karhulumente
- Qinisekisa ukuba ugqithiselo lobunini lugqityiwe ngokufanelekileyo
Esi sikhokelo singenamthungo siphelisa iintloko kwaye siqinisekisa amabhongo akho epropathi yaseDubai aqhuba kakuhle ukusuka ekuqaleni ukuya ekugqibeleni.
YENZA IPHUPHA LAKHO LE-DUBAI LIPHUPHA
Ngoku ubambe izitshixo zokuvula ezakho inzuzo dubai indawo engcwele. Ngokusebenzisa iingcebiso zokuthenga zesi sikhokelo kwikhonsathi kunye noncedo lwearhente yeengcali, ibali lakho lempumelelo yepropathi lilindelwe.
Khetha indawo yakho efanelekileyo. Fumana indlu entle enembono yophahla okanye ivilla yabucala ephambi kolwandle. NONE Emva koko jonga imbuyekezo eyanelisayo ingena isuka kwisiqwenga sakho segolide yaseDubai njengoko le oasis iqhubeka isanda kwaye ityebisa abatyali-zimali.
Ungaphoswa lithuba lokukhusela ikamva lakho! Xhumana nathi ngokukhawuleza ukuze ulungiselele intlanganiso yokuxoxa ngemibandela yakho ye-real estate (uthenge kwaye uthengise ipropati ngathi).
Sitsalele umnxeba okanye usitsalele iWhatsapp ngoku kwidinga elingxamisekileyo + 971506531334 + 971558018669
