Uhlu Lokuhlola Okusemthethweni Lokuthenga Izindlu Ezithengiswayo e-Dubai

Umhlahlandlela we-Dubai Property Market Landscape

I-Dubai, enezakhiwo zayo ezikhazimulayo kanye nezindawo ezimangalisayo, inikeza imakethe ekhangayo yezindlu nezindlu. IDubai icwebezela njengetshe eliyigugu ogwadule, enikeza amathuba amahle kubatshalizimali abafuna amadili ezindlu ezithengiswayo anenzuzo enkulu. Njengenye yezimakethe zomhlaba ezishisa izikhotha, iDubai iheha abathengi ngemithetho yobunikazi ekhululekile, isidingo esiqinile sezindlu, kanye namathemba akhazimulayo.

Uma ucabanga ukutshala izakhiwo kuleli dolobha elinempilo, ukuqonda izinhlobo ezahlukene zezakhiwo kubalulekile. I-Dubai inezindawo ezihlukene zezakhiwo, ezihlanganisa izindawo ezikhululekile neziqashiswayo, izakhiwo ezingahleliwe nezilungile, kanye nezindawo zokuhlala nezohwebo. 

thenga indawo e dubai
i-dubai real estate
i-dubai ivumela abantu bangaphandle ukuthi babe nezakhiwo

Yini Eyenza I-Dubai Real Estate Ikhange Kangaka?

Ake sihlole izibaluli ezimbalwa ezibalulekile ezenza i-Dubai ibe yindawo ephezulu yokutshalwa kwezindlu nomhlaba:

Isikhalazo Sendawo Eyiwa kuyo kanye Nokwanda Kwabantu

Abavakashi abangaphezu kwezigidi eziyi-16 bavakashele eDubai ngo-2022, bekhangwa amabhishi, izitolo, kanye nezindawo eziheha amasiko. IDubai iphinde yazuza ngaphezu kwezigidigidi ezingama-30 zamarandi ekutshalweni kwezimali kwamanye amazwe ngonyaka odlule. Inani labantu base-UAE likhule ngo-3.5% ngo-2022 nango-2023. Ngo-2050, i-Dubai ilindele ukwamukela izakhamuzi ezintsha eziyizigidi ezingu-7. Lokhu kuthutheleka kwezivakashi nezakhamizi ezintsha kuqinisekisa isidingo esinempilo sezindlu zaseDubai kanye nezindawo eziqashisayo, nakuba kungase kuholele izimbangela izingxabano zokwakha njengokulibaziseka nezinkinga zekhwalithi uma onjiniyela bezabalaza ukuhambisana nesidingo.

Indawo Yamasu Nengqalasizinda

I-Dubai ixhuma iMpumalanga neNtshonalanga ngesikhumulo sezindiza esisezingeni lomhlaba, imigwaqo emikhulu yesimanjemanje, kanye nenethiwekhi yechweba enwetshiwe. Imigqa emisha kamasipala, amabhuloho, nezinhlelo zemigwaqo zandisa ingqalasizinda yaseDubai. Izimpahla ezinjalo ziqinisa indima ye-Dubai njengendawo yezohwebo neyokuhlela yaseMpumalanga Ephakathi.

Isimo Sezulu Esinobungane Bebhizinisi

I-Dubai inikeza abatshalizimali bakwamanye amazwe ubunikazi bebhizinisi be-100% ngaphandle kwentela yomuntu siqu. Iholo noma inzuzo yakho konke kungokwakho. Izakhiwo eziklanyelwe ukuthengisa ezindaweni ezifana ne-Dubai Media City kanye ne-Dubai Internet City zihlinzeka ngokusetha okunenzuzo kumafemu omhlaba. Lawa ma-hubs aphinde ahlalise izinkulungwane zabacebile abavela kwamanye amazwe abafuna izindlu ezisezingeni eliphezulu.

I-Premium Luxury Branding

Onjiniyela abakhulu baseDubai bathanda I-DAMAC futhi i-Emaar ithuthukise ubuciko bokuphila okunethezekile, iheha abathengi abakhethekile abaneziqhingi ezizimele, izindlu ezihlala eduze nolwandle, namasuite angasese e-penthouse abonisa izici ezinhle ezifana namachibi angasese, izingadi zasendlini, nempahla yegolide.

Ukuntuleka Kwezintela Zezakhiwo

Ngokungafani nezizwe eziningi, Dubai izintela azikho intela yendawo yonyaka. Abatshalizimali abaqashiswayo bakhipha imali engenayo intela ngenkathi begwema ukusika emaphethelweni.

Ake sihlole ukuthi abantu bangaphandle bangenza kanjani imali emakethe yezakhiwo e-Dubai.

Ubani Ongathenga Indawo Ethengiswayo E-Dubai?

I-Per Umthetho Wezakhiwo Nombolo 7 ka-2006, Ubunikazi bendawo yase-Dubai buncike kubuzwe bomthengi:

  • Izakhamizi zase-UAE/GCC: Ingathenga indawo yamahhala noma kuphi eDubai
  • Abezizwe: Ingathenga indawo ezindaweni ezingaba ngu-40 ezikhethiwe noma ngezinkontileka zokuqashisa ezivuselelekayo.

Kulabo abacabangela izindawo zokutshala izimali zase-Dubai ukuze uthole imali yokuqasha, kubalulekile ukuqonda amalungelo omnikazi wendawo kanye nomqashi e-UAE ukuqinisekisa ubudlelwano obuhle bomqashisi nomnikazi wendawo.

I-Freehold vs. Izakhiwo Zokuqashisa

I-Dubai ivumela abantu bangaphandle ukuthi babe nezindawo zamahhala ezindaweni ezikhethiwe, banikeze amalungelo obunikazi agcwele. Nokho, kuwukuhlakanipha ukuqonda izinto ezingokomthetho ezifana Umthetho wefa we-UAE wabakwamanye amazwe lapho kuhlelwa ubunikazi. Ngokuphambene, izindawo zokuqashisa zinikeza ubunikazi besikhathi esithile, ngokuvamile iminyaka engama-50 noma engu-99. Zombili izinketho zinezinzuzo zazo, futhi ukukhetha kwakho kufanele kuhambisane nemigomo yakho yesikhathi eside.

I-Off-Plan Vs. Ready Properties

Ingabe ukhangwa injabulo yokuthenga indawo ngaphambi kokuba yakhiwe noma ukhethe into elungele ukuhlalwa kuyo ngokushesha? Izakhiwo ezingahleliwe zinikeza ukonga izindleko okungaba khona kodwa kuhilela ubungozi obuningi. Izakhiwo ezilungile, ngakolunye uhlangothi, zimi ngomumo kodwa zingafika ngenani elifanele. Isinqumo sakho sincike ekubekezeleleni kwakho ubungozi kanye nomugqa wesikhathi.

Indawo yokuhlala Vs. Izakhiwo Zezohwebo

Izakhiwo zokuhlala zibhekelela abanikazi bezindlu nabaqashi, kuyilapho izakhiwo zezohwebo zenzelwe amabhizinisi. Ukuqonda ama-nuances phakathi kwalezi zigaba kuzokusiza unciphise izinketho zakho.

Sizogxila kakhulu kubunikazi bamahhala njengoba bunikeza amalungelo omhlaba agcwele kanye nokulawula kubatshalizimali.

Izinyathelo Zokuthenga Impahla yaseDubai

Landela lo mgwaqo ojwayelekile lapho uthenga indawo yaseDubai njengomuntu wangaphandle:

1. Thola Isakhiwo Esilungile

  • Chaza izintandokazi njengosayizi, amagumbi okulala, izinsiza, indawo.
  • Setha ububanzi bentengo obuqondiwe
  • Cwaninga amanani emakethe ezinhlobo zezakhiwo ezifiselekayo ezindaweni ezithile

Ungakwazi ukufunda ukufakwa kuhlu kwezakhiwo kumaphothali afana ne-PropertyFinder, i-Bayut noma ucele umenzeli wendawo ukuze asize ukuphakamisa izinketho.

Ziro ungene ezintweni ezingaba khona ezingu-2-3 ngemva kokubuka uhlu nokufaka okuvela kumenzeli wakho.

2. Thumela Okunikezwayo Kwakho

  • Xoxisana ngemibandela yokuthenga ngokuqondile nomthengisi/nonjiniyela
    • Nikeza ngo-10-20% ngaphansi kwenani elicelwayo legumbi lokunyakazisa
  • Chaza yonke imibandela yokuthenga encwadini yakho yokunikeza
    • Isakhiwo sokuthenga (ukheshi/imalimboleko)
    • Inani nohlelo lokukhokha
    • Usuku lokuhlala, izigatshana zesimo sendawo
  • Yenza ukunikezwa kokuthenga kubophezele ngediphozithi eyinzuzo engu-10%.

Qasha ummeli wendawo ukuze abhale/ahambise okunikezwayo kwakho. Bazophothula isivumelwano sokuthengisa kanye (uma) umthengisi esamukela.

Uma unjiniyela ehluleka ukuletha isakhiwo ngokohlelo lwenkontileka noma izicaciso, kuzohlanganisa a ukwephulwa kwenkontileka kanjiniyela ukuwavulela usizo lwezomthetho.

3. Sayina Isivumelwano Sokuthengisa

Le nkontileka ichaza ukuthengiselana kwendawo ngemininingwane emincane yezomthetho. Izigaba ezibalulekile zihlanganisa:

  • Ubunikazi bomthengi nomthengisi
  • Imininingwane egcwele yendawo - indawo, usayizi, imininingwane yesakhiwo
  • Thenga isakhiwo – inani, uhlelo lokukhokha, indlela yokuxhasa ngemali
  • Idethi yokuba khona kanye nenqubo yokudlulisa
  • Izigaba eziphuthumayo - izimo zokunqanyulwa, ukwephulwa, izingxabano

Buyekeza yonke imininingwane eduze ngaphambi kokusayina (Imemorandamu Yokuqonda) I-MOU

4. I-Akhawunti Ye-Escrow Nezimali Zediphozi Ngonjiniyela 

  • Ama-akhawunti we-Escrow abamba ngokuphephile izimali zomthengi phakathi nenqubo yokuthengisa
  • Idiphozithi yonke imali yemisebenzi yemali
  • Idiphozithi ye-mortgage down payment + izinkokhelo zamadili axhaswe ngezimali
  • Bonke abathuthukisi be-Dubai bahlinzeka ngezinsizakalo ze-escrow ngamabhange athembekile

5. Thola Izimvume & Dlulisa Ubunikazi

I-ejenti yakho noma ummeli uzo:

  • Thola Isitifiketi Sokunganaki (NOC) kunjiniyela
  • Khokha izikweletu zezinsiza ezisele
  • Itayitela lokudlulisa ubunikazi befayela nge Umnyango Wezomhlaba waseDubai
  • Khokha imali yokubhalisa yokudlulisa (4% yenani lesakhiwo)
  • Bhalisa ukudayiswa neziphathimandla ezilawulayo
  • Thola Itayitela elisha egameni lakho

Futhi voila! Manje ungumnikazi wendawo kwenye yezimakethe ezilungele abatshalizimali emhlabeni.

Ukukhuthala Okubalulekile Nokuqinisekisa

Ngaphambi kokuphothula noma yisiphi isivumelwano sempahla, ukucophelela kubalulekile ukuze kugwenywe izingxabano ezingokomthetho ezingaba khona.

Ukubaluleka Kokuqinisekiswa Kwetayitela

Ukuqinisekisa ubunikazi bezakhiwo ngamatayitela akuxoxiswana ngawo. Qinisekisa ukuthi isimo somthetho sendawo sicacile ngaphambi kokuqhubeka.

Azikho Izidingo zesitifiketi Sokuphikisa (NOC).

Ama-NOC angase adingeke mayelana nokuthengiselana kwezakhiwo okubandakanya izizwe noma izimo ezithile. Ukuqonda ukuthi zitholakala nini futhi kanjani kubalulekile.

Isitifiketi Sokuphothula Ukwakha (BCC) Nezinqubo Zokunikezela

Lapho uthenga izakhiwo ezingahleliwe, ukwazi ukukhishwa kwe-BCC kanye nenqubo yokunikezelwa kuqinisekisa uguquko olushelelayo ukusuka kunjiniyela ukuya kumnikazi.

Ukuhlola Izikweletu Ezivelele Kanye Nezihibe

Izikweletu ezingalindelekile noma izithiyo zingenza kube nzima ukuthengiselana kwezakhiwo. Ukuhlola okuphelele kubalulekile.

Ukukhuthala Okufanelekile Izindlela Ezinhle Kakhulu Zokugwema Izingxabano Ezingokomthetho

Ukusebenzisa izinqubo ezihamba phambili ngokucophelela kuyisivikelo sakho ezingxabanweni ezingokomthetho ezingaba khona esikhathini esizayo.

thola impahla dubai
ukuthengisa izindlu
edidiyelwe umphakathi dubai

Izindleko: Ukuthenga Indawo Ethengiswayo yaseDubai

Faka lezi zindleko kubhajethi yakho yokuthenga indawo njengomthengi wangaphandle:

Inkokhelo yokubambisa

  • Kunenkokhelo engukheshi engu-10% enanini elithengiswayo lezakhiwo esezilungile, kanye nenkokhelo engukheshi engu-5-25% enanini lokuthengisa lezakhiwo ezingahleliwe kuye ngonjiniyela.
  • 25-30% wezivumelwano ezibolekiwe

Izimali Zokudluliswa Komhlaba e-Dubai: U-4% yenani lesakhiwo kanye nezimali zokubhalisa nezesevisi

Umenzeli Wezindlu: 2%+ yenani lokuthenga

Ukudluliswa Kwezomthetho Nobunikazi: 1%+ yenani lesakhiwo

Ukucutshungulwa kwe-Mortgage: 1%+ inani lemalimboleko

Ukubhaliswa Kwezakhiwo Kumnyango Wezemihlaba (Oqood): 2%+ yenani lesakhiwo

Khumbula, ngokungafani namazwe amaningi, i-Dubai izikhokhisi intela yezakhiwo yonyaka ephindaphindayo. Imali engenayo yokuqasha ingena emaphaketheni akho ngaphandle kwentela.

Ungayithola Kanjani Imali Yempahla yaseDubai

Ngohlelo olufanele lwezezimali, cishe noma yimuphi umthengi angakwazi ukuxhasa ukuthengwa kwempahla yase-Dubai. Ake sihlole izinketho ezidumile zezimali.

1. Inkokhelo Yemali

  • Gwema inzalo yemalimboleko nezinkokhelo
  • Inqubo yokuthenga esheshayo
  • Khulisa izinzuzo eziqashisayo nokulawula ubunikazi

Ngaphansi: Idinga izimali ezinkulu ze-liquid capital

2. I-Mortgage Finance

Uma ungakwazi ukuthenga ngokheshi, imali yokubolekwa kwebhange inikela ngezimali ezingama-60-80% kubatshalizimali abafanelekayo bezakhiwo zaseDubai.

  • Ukugunyazwa kusengaphambili kuqinisekisa ukufaneleka kwemalimboleko
  • Amadokhumenti adingekayo ahlola ezezimali, amaphuzu esikweletu, ukuqina kwemali engenayo
  • Izinga lenzalo liyahluka ukusuka ku-3-5% kubaboleki abahloniphekile
  • Izikweletu zesikhathi eside (iminyaka eyi-15-25) zigcina izinkokhelo ziphansi

Izindlu ezibolekiwe ngokuvamile zifanelana kangcono nabasebenzi abaholayo abanemiholo eqinile.

I-Mortgage Downsides

  • Inqubo yesicelo eside
  • Iholo kanye nezithiyo zokugunyazwa kwesikweletu
  • Izindleko zanyanga zonke eziphakeme kunokuthenga ngokheshi
  • Izijeziso zokukhokha kusenesikhathi

Abatshalizimali abazisebenzelayo bangase badinge ukunikeza imibhalo eyengeziwe noma bakhethe enye indlela yokuxhasa ngemali ngababolekisi abazimele.

3. Ukuxhaswa Kwezimali Konjiniyela

Onjiniyela abaphezulu bayathanda I-DAMAC, AZIZ noma i-SOBHA hlinzeka ngezinhlelo zezimali zangokwezifiso ezihlanganisa:

  • Izinhlelo zokukhokha ezingu-0%.
  • Izaphulelo zokuthenga ngemali
  • Amakhadi esikweletu anophawu oluhlanganisiwe anemiklomelo ekhangayo
  • Amabhonasi okudluliselwa nawokwethembeka

Izikhuthazo ezinjalo zinikeza ukuguquguquka lapho uthenga ngokuqondile kubathuthukisi bezakhiwo abakhethiwe.

Uchwepheshe we-Dubai Real Estate Guidance

Ngethemba, manje usuwaqonda amandla anomvuzo wokutshalwa kwezindlu zase-Dubai. Ngenkathi inqubo yokuthenga idinga izinqubo ezahlukahlukene, Sisiza abatshalizimali bakwamanye amazwe

Ngesikhathi sokusesha kwakho indawo, ama-ejenti anolwazi asiza ngalokhu:

  • Ukubonisana kwezimakethe zokuqala
  • I-intel yendawo yendawo kanye nesiqondiso samanani
  • Ukubuka nokuhlola izinketho ezisohlwini olufushane
  • Sekela ukuxoxisana ngemibandela yokuthenga engukhiye

Kuyo yonke inqubo yokuthenga, abeluleki abazinikele bayasiza:

  • Buyekeza imigomo futhi uchaze izinkokhelo/izidingo
  • Xhuma amaklayenti nabameli abahlonishwayo nabeluleki
  • Lungiselela ukubukwa futhi usize ukuqedela izakhiwo ezifanele
  • Thumela futhi ulandelele ukunikezwa kokuthenga/izinhlelo zokusebenza
  • Ukuxhumana phakathi kwamakhasimende, abathengisi nezinhlangano zikahulumeni
  • Qinisekisa ukuthi ukudluliswa kobunikazi kuqedwa ngendlela efanele

Lesi siqondiso esingenamthungo siqeda ubuhlungu bekhanda futhi siqinisekisa ukuthi izifiso zakho zempahla yase-Dubai ziqhubeka kahle kusukela ekuqaleni kuze kube sekupheleni.

VUMELA IPHUPHO LAKHO LE-DUBAI LIHLUPHE

Manje ubambe izikhiye zokuvula ezakho inzuzo Dubai indawo engcwele. Ngokusebenzisa amathiphu okuthenga alo mhlahlandlela ekhonsathini nosizo lwe-ejenti enguchwepheshe, indaba yakho yempumelelo yendawo ilindile.

Khetha indawo yakho efanelekile. Thola ifulethi elimangalisayo elinokubukwa kophahla noma i-villa yangasese engasebhishi. Ngenisa imali ngokuthenga ngesabelomali sakho. Bese ubuka imbuyiselo egculisayo ingena isuka ocezwini lwakho lwegolide laseDubai njengoba le-oasis ilokhu ikhula futhi inothisa abatshalizimali.

Ungaphuthelwa yithuba lokuvikela ikusasa lakho! Xhumana nathi ngokushesha ukuze uhlele umhlangano wokuxoxa ngezindaba zakho ngendawo yokuhlala (ukuthenga futhi udayise indawo ngathi).

Sishayele noma usithumele i-Whatsapp manje ukuze uthole isikhathi esiphuthumayo + 971506531334 + 971558018669

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