Imihlahlandlela Yokuvikela Ukutshalwa Kakho Kwezimali Emthethweni we-UAE: Iseluleko Sezomthetho Sabatshalizimali Bamazwe Angaphandle eDubai.

Izinkombandlela Zomthetho Zokuvikela Ukutshalwa Kakho Emthethweni we-UAE

Ukutshala imali endaweni ethengiswa kabusha e-Emirates njengowezizwe kufana nenqubo kwamanye amazwe, kepha kuphephe kakhulu lapho uthola izeluleko zezomthetho e-UAE. Uthola izimpahla kanye nendawo okunikezwa okusemthethweni, imvamisa ngomthengisi. Lokhu kusho ukuthi e-UAE kukhona uhlelo lwezomthetho olubili, kufaka phakathi ezobulungiswa kuzwelonke kanye nenkantolo yendawo. Ngenxa yalokhu, kungahle kube khona umehluko omkhulu obandakanya i-Emirates lapho isebenza ngezinkinga zempahla. Nayi eminye imihlahlandlela yokuvikela utshalomali lwakho kumbono osemthethweni ongafuna ukwazi.

Ukutshalwa Kwezakhiwo kuyindlela enhle yokwenza inzuzo nokukhuphula imali yakho engenayo, kepha ezinye izingozi zingathinta yonke iphrojekthi - ikakhulukazi uma ungeyena umtshali-zimali onolwazi eDubai. Eminye imithetho izovikela utshalomali lwakho engcupheni yentela ephindwe kabili, futhi ungaba nezeluleko zezomthetho uma unokungabaza mayelana nezomthetho. 

Ukuthola izakhiwo ngowezizwe e-UAE akulula. I-emirate ngayinye iqondiswa yimithetho nemithethonqubo maqondana nokuthengiswa nokuthengwa kwezakhiwo zeReal Estate. Ngaphezu kwalokho, i-emirate ngayinye ijabulela igunya elizimele lokumenyezelwa kwemithetho yayo nemithethonqubo. Kubalulekile futhi ukuqaphela ukuthi i-UAE inesistimu yamawele amabili: ifederal kanye neleemirate level.

Noma ubunikazi bamanye amazwe buvunyelwe, kunemikhawulo yetayitela yendawo ethize ukuze izizwe ezithile zibhekwe. Ngokombono osemthethweni, indawo yendawo ibalulekile kuma-expats noma abantu bakwamanye amazwe ukuba babe nempahla yangempela e-UAE.

Uhlolo lokuhlola:

Uma uhlolisise ukuthi unjiniyela uvunyelwe nge-ejensi yokulawula futhi uthole indawo ethengiswayo ku:

• Umthethonqubo waseDubai-Dubai No. 3/2006
• Sharjah - Isigaba Sokubhaliswa Kwezakhiwo
• I-Ajman - Isinqumo seRas al Khaimah No. 18/2005
• UFujairah - Funa izeluleko kuMasipala waseFujairah
• Umm al Qaiwan - Hlola neziphathimandla ze-Um Al Qaiwan (iwebhusayithi ye-Arabhu kuphela)

Qiniseka:

1. Uhlole ezinye izakhiwo uhlelo oluqedile ukuqinisekisa ikhwalithi nokuqedwa;
2. Uqaphile ukuthi uzokhokha malini futhi nini;
3. Uqinisekisile ukuthi emphakathini owukhethayo, ungathenga ingcebo njengomtshalizimali waphesheya;
4. Wena noma ummeli wakho nibhekabheke imininingwane elinganiselwe yenkontileka ukuqiniseka ukuthi yimiphi imisebenzi unjiniyela ayenzayo uma umsebenzi ungakaqedwa futhi uqonda ama-timescales ahilelekile;
5. Ngokwengeziwe, uzokwazi ukukhokhela i-premium evame ukuba yingxenye yemali yokuthutha kanye nezindleko zokuqala. Izimali zabamele ngokuvamile ziphakathi kuka-2% - 3%. Kufanele ukuqinisekise lokhu ngaphambi kokungena ngqo esivumelwaneni bese ubheka cishe noma iziphi izintengo ezifihliwe.

Kunezindawo eziqokiwe lapho abantu bakwamanye amazwe bengathola khona impahla 'yamahhala.' Zama ukuthola izeluleko zomthetho e-UAE ukuze uxoxe ngalezi zinketho.

Ucwaningo lungethemba ukukuvumela ukuba ugweme noma yimiphi imishado kamuva futhi inkulu kakhulu. Ngaphambi kokuba ungene esivumelwaneni, kudingeka ufune iseluleko esizimele.

Inani elikhulu labahlali bezinye izizwe bathenga impahla ngaphandle kwecebo ngqo kusuka kunjiniyela wakho bese uxoxisana wedwa.

E-Dubai, ngokwesibonelo, i-Dubai Law No. 7/2006 ngumthetho okhona onikeza umuntu wakwelinye izwe noma i-expat ilungelo lokuthenga impahla yamahhala noma yokuba ne-usufruct yempahla kuze kube yiminyaka engama-99. IDubai inemikhawulo emincane uma kukhulunywa ngobunikazi bempahla yangaphandle. Kungaba ngcono uma ucabanga ngokufuna izeluleko zomthetho e-UAE ngaphambi kokusayina inkontileka.

Kuzinkontileka, qaphela ngokuphelele izinsuku zokuphela kanye nezikhathi ezibekiwe kanye nazo zonke izintengo ezithintekayo.

Uma kungenzeka ukuthi utshale imali ngaphandle kwepulani, lindela ukumboza cishe u-10% njengediphozithi yokuqala. Ngemuva kwalokho, izinkokhelo ezihleliwe ngezinsuku ezithile ngaphambi kokuba indlu iqedwe. Lokhu kufanele kushiwo esivumelwaneni sakho. Okwamanje asikho isidingo esingokomthetho sokuthola izinsizakalo zobungcweti zommeli ukuze zithole ingcebo singamsiza kakhulu umuntu ukuba enze kanjalo.

Uhlu lokuhlola lomthengi

1. Ubhekele zonke izindleko ezidingekayo ukufaka idiphozi, futhi umbolekisi wakho ugunyaze imalimboleko yakho, imali yomthengisi, imali yokuhamba, njll.
2. Ukhulume nabanikazi bezindawo ezithile noma abenzeli okufanele babhalwe phansi
3. Uqinisekisile ukuthi emphakathini owukhethayo, ungathenga impahla njengomtshalizimali waphesheya
4. Uthole isheke lezindleko ukuqinisekisa ukuthi indawo oyithengayo inikezwa inani elifanele lemakethe
5. Ngakho-ke, wena uqaphele imisebenzi yakho yezivumelwano futhi ufune iseluleko sezomthetho ku-UAE futhi ngigcizelele noma yikuphi ukukhathazeka onakho ngemizimba efanele

nokuthathelwa

Ngaphambi kokwenza noma yini, kufanele ucabange ukuthi yiziphi izimali osufinyeleleke kuzo; kufanele ucabange ngediphozi, intengo yesakhiwo, imali yokuhamba, kanye nemali yomenzeli wezezakhiwo. Ucabanga ngemiphumela uma kwenzeka imakethe iguquka futhi kufanele ucabange nokushintsha imali yendawo ephikisana ne-GBP.

Imithetho yemalimboleko yempahla ishintsha njalo, futhi ukuze wazi ukuthi izinguquko zisho ukuthini, kufanele ugcine okwamanje ngezindaba zasendaweni ngamaphepha e-UAE.

Uhlolo lomboleki:

Uthole umbolekisi futhi waqinisekisa ukuthi yini okulindeleke ukuthi uyihlanganise ngenyanga nokuthi empeleni ungaboleka malini.

Walinganisa amanani akho ngakho futhi wahlongozwa ukuthi imali ephezulu kakhulu yezindleko zendawo yonke.

Uma uqale i-akhawunti yendawo yasebhange futhi unikeze wonke ama-paper adingekayo:

• Ikhadi le-ID (uma kufanelekile)
• Ubufakazi bekheli
• Ubufakazi bokuhlala
• isitatimende sasebhange
• incwadi evela kumqashi eqinisekisa inkokhelo

Muva nje izindleko zokuqasha sehle kakhulu, okwenza imakethe ibe yindawo yokuncintisana.

Udinga ukusebenzisa ama-ejenti abhalisiwe. E-Dubai, isicelo sokuthola ikhadi labo le-RERA singaqinisekisa ukuthi ummeleli usebenza ngekhono elisemthethweni futhi alikho i-freelancing, okungekho emthethweni e-UAE. Udinga ukulungela ukumboza imali ukumela cishe u-5% wentela yonyaka.

• Funda oxhumana naye ngaphakathi bese uqiniseka ukuthi uyakuqonda lokho okusayinayo. Yini imisebenzi yakho?
• Yiziphi izibopho zomninikhaya ngokulungiswa nokulungiswa?

Ngendlela ebizwa ngokuthi yiTawtheeq, kukhona ukubhaliswa okuphoqelekile kwezinkontileka zokuqasha e-Abu Dhabi. Nge-database yezinkontileka eziningi zokuqashiswa kwesikhashana esifushane, lolu hlelo lokubhalisa luvikela abaqashi namalungelo wabanini bezindlu.

Kungenzeka ukuthi unikeze impinda yepasipoti yakho kanye nobufakazi bokuhlala lapho uphumelele ekusesheni kwakho impahla. Kungaleso sikhathi kuphela lapho kuzolindeleka ukuthi ubeke u-5% werenti yaminyaka yonke kumnikazi wendawo ukuze aqinisekise impahla. Ngokwengeziwe, kulindeleke ukuthi unikeze amasheke ambalwa asesikhathini; kusencike kubaninindlu. Kubalulekile ukuthi unikeze lapho amasheke ethunyelwa maduzane, inkontileka isho ngokusobala. Kungakuhle kakhulu uma ukopishe amakhophi amasheke ongawaletha njengobufakazi balokho okutholile.

Akuvunyelwe ukubuyisa isheke e-UAE uma isheke lakho lihanjiswa ngaphandle kwemali eyanele yokukhokha imali, lapho-ke ungabhekana nokuboshwa nokuboshwa.

Uhlu Lokuhlola Abaqashi

1. Thola kabanzi mayelana nomakethe, khuluma nabanikazi bendawo bendawo, babuke amaphepha namasayithi wendawo
2. Cabanga ngezinsiza zomakhelwane; njengoba lokhu kungakhulisa kakhulu isikhathi, kuzodingeka ucabangele nomgwaqo endaweni yakho ohambweni lwakho
3. Uma kufanele usebenzise i-agent, udinga ukuhlola ukuthi ibhalisiwe
4. udinga ukwaziswa ukuthi yini imisebenzi yakho engaphakathi kwenkontileka yakho - qiniseka ukuthi udlulisa amehlo kokuphrintiwe okuncane
5. Ngaphambi kokusayina inkontileka, cabanga iseluleko sezomthetho ku-UAE amasevisi
6. hlola ukuthi ngabe oxhumana naye kufanele abhalise
7. kufanele ubheke ekuqinisekiseni okuqukethwe kwakho

Amadokhumenti adingekayo:

• Ikhadi le-ID (uma kufanelekile)
• Ubufakazi noma ikheli
• Ubufakazi bokuhlala
• isitatimende sasebhange
• incwadi evela kumqashi eqinisekisa inkokhelo