Amasheke Abhajwe eDubai ahilela Imali Enganele

Uma uphethe isheke eliye labuya, noma kunguwe olikhiphile, imithetho e-UAE ishintshe kakhulu kusukela ngo-2022. Isheke elibuyiselwa yibhange ngenxa nje yokuthi imali ayinele ayiseyona indaba yobugebengu - kodwa lokho akusho ukuthi azikho imiphumela emibi. Lo mhlahlandlela ukukuqondisa ngomthetho wamanje, inqubo ephelele yokuphoqelela, kanye nalokho okufanele kulindelwe yilowo okhokhelwayo kanye ne-drawer.

Yini Ebhekwa Njengesheke Elibhajwe E-UAE?

Isheke elibuyisiwe — ngezinye izikhathi elibizwa ngokuthi isheke elibuyiselwe noma isheke elingahlonishwanga — lenzeka lapho ibhange lenqaba ukukhokha inani elibhalwe eshekeni ngoba i-akhawunti yedrowa ayinayo imali eyanele yokulikhokhela. Ngokusho komhlahlandlela osemthethweni kaHulumeni wase-UAE wokuphatha amasheke , lesi simo sisuswe ngokusemthethweni ngenxa yamaphutha aqotho ngaphansi kohlaka olwethulwe yi-Federal Decree-Law No. 50 ka-2022.

Nokho, ibhange alimane libuyisele isheke bese livala udaba. Kunenqubo yezomthetho ehlelekile elandelayo - enikeza umuntu okhokhelwayo (umuntu ophethe isheke) indlela enamandla futhi esheshayo yokubuyisa lokho akukweletayo.

Umthetho Owashintsha Konke: Umthetho Wesinqumo Sikahulumeni No. 50/2022

Ngaphambi kuka-2022, isheke elibuyiselwe emuva e-UAE — kungakhathaliseki ukuthi yisiphi isizathu — lingafaka umkhiphi enkingeni enkulu yobugebengu ngaphansi kwe-Article 401 ye-UAE Penal Code. Lokho sekushintshile manje ecaleni elithile lokuntuleka kwemali eyanele.

Ngaphansi koMthetho Wesinqumo Kahulumeni No. 50 ka-2022 — owachibiyela kokubili uMthetho Wezokuthengiselana Kwezentengiselwano kanye noMthetho Wezinqubo Zomphakathi — isheke elibuyiswayo ngenxa yokungatholakali noma ukuntuleka kwemali liphathwa njengethuluzi lokuphatha (elibizwa nangokuthi idokhumenti yokuphatha). Lokhu kusho ukuthi umuntu okhokhelwayo angaya ngqo eNkantolo Yokuphetha ukuze aphoqelele ukukhokha, ngaphandle kwesidingo sokufaka icala eliphelele futhi alinde isikhathi eside sokuqulwa kwamacala.

Ungafunda umbhalo ogcwele walo mthetho ngengobo yomlando ye-UAE Official Gazette , ephethe izinguqulo zomthetho ezigunyaziwe zesi-Arabhu nesiNgisi.

Inhloso yalolu shintsho iyasebenza: ukusiza amabhizinisi nabantu ngabanye ukuthi babuyise izikweletu ngokushesha, kuyilapho begcina izinhlawulo zobugebengu kuphela ngamacala acacile okukhwabanisa noma ukwethembeka okubi.

Kunini Lapho Icala Lobugebengu Lisasebenza?

Ukususwa kwecala kusebenza kuphela emacaleni angempela okuntuleka kwemali eyanele. Icala lobugebengu ngaphansi kwe-UAE Penal Code lisaphila kakhulu lapho kunobufakazi bokungathembeki noma ukwenza okubi ngamabomu. Isiqondiso soMnyango Wezobulungiswa wase-UAE mayelana nezichibiyelo zomthetho wezentengiselwano senza kucace ukuthi ukushushiswa kobugebengu kusengenzeka ezimweni ezilandelayo:

• Ukuqamba — ukushintsha noma ukuqamba amanga ngesheke uqobo
• Ukuvala i-akhawunti ngamabomu ngemuva kokukhipha isheke
• Ukumisa ukukhokha ngaphandle kwesizathu esisemthethweni esivumelekile
• Ukukhipha imali ngemva kokukhipha isheke ukuqinisekisa ukuthi iyagxumagxuma

Kulezi zimo, izinhlawulo zifaka phakathi izinhlawulo eziqala ku-10% wenani lesheke (okungenani i-AED 5,000) kanye/noma ukuboshwa kusukela ezinyangeni eziyisithupha kuya eminyakeni emibili. Uma ukholelwa ukuthi elinye iqembu lenze ukukhwabanisa, kufanele uthintane nommeli we-UAE onelayisensi bese ubika udaba ngokufanele.

Indima Yebhange

Uma isheke lilethwa futhi i-akhawunti ingenayo imali eyanele, ibhange linezibopho zomthetho ezithile. Ngokwesiqondiso seBhange Elikhulu lase-UAE (CBUAE) mayelana namasheke :

• Ibhange kumele afake isitembu sesheke futhi ukhiphe imemo noma isitifiketi esisemthethweni esiqinisekisa ukuthi sibuyiselwe ngenxa yokunganeli noma ukutholakala kwemali.
• Uma kukhona a ibhalansi engaphelele Uma itholakala ku-akhawunti, ibhange kudingeka likhokhele lowo okhokhelwayo lelo nani — ngaphandle uma lowo okhokhelwayo ekhetha ukwenqaba inkokhelo engaphelele.
• Isheke elibuyiselwe, uma selifakwe isitembu, liba yidokhumenti ebalulekile umuntu okhokhelwayo azoyisebenzisa ukuqala ukuphoqelelwa komthetho.

Kukhona nemiphumela engaba khona ezingeni lebhange. Uma ikhasimende liqoqa amasheke amane noma ngaphezulu abhujisiwe phakathi nonyaka owodwa , imithetho ye-CBUAE — echazwe ku- circular yeBhange Elikhulu mayelana nokuhoxiswa kwencwadi yamasheke — ivumela ibhange ukuthi:

• Khipha incwadi yamasheke yekhasimende
• Vala i-akhawunti yabo kuze kube yiminyaka emibili
• Bika idrowa eBhange Elikhulu lase-UAE

Kuyaphawuleka ukuthi uma idrowa liqhubeka nokukhipha amasheke ku-akhawunti esivele ivaliwe yibhange ngenxa yokuphindaphinda kokukhokha, lawo masheke angadonsela icala lobugebengu noma ngabe isizathu esiyisisekelo sisalokhu singanele imali. Lokhu kungenye yezindlela ezibaluleke kakhulu okufanele uziqonde.

Indlela Amasheke Abhajwe Ngayo Athinta Irekhodi Lakho Lesikweletu

Imiphumela yezezimali yesheke eligoqiwe idlulela ngale kwezinkantolo kanye nebhange. I -Al Etihad Credit Bureau (AECB) - inhlangano esemthethweni yokubika ngesikweletu ye-UAE - iqopha amasheke agoqiwe efayeleni lesikweletu le-drawer. Ngaphansi kwemithethonqubo yolwazi lwesikweletu ye-CBUAE , leli rekhodi elibi lingahlala efayeleni le-drawer kuze kube yiminyaka emihlanu , okuthinta ikhono labo lokuthola imali mboleko, amakhadi esikweletu, kanye nokuxhaswa ngezimali phakathi naleso sikhathi.

Kumabhizinisi nakubantu ngabanye abathembele esikweletu sasebhange ukuze basebenze, lokhu kuvame ukulimaza njenganoma yisiphi isijeziso esibekwe yinkantolo. Ukukhokha isikweletu ngokushesha kuyindlela ephumelela kakhulu yokunciphisa umonakalo wesikweletu wesikhathi eside.

Umhlahlandlela Wesinyathelo Ngesinyathelo Somuntu Okhokhelwayo: Indlela Yokuphoqelela Isheke Elibhajwe

Uma uphethe isheke elibuyiselwe futhi ufuna ukubuyisa imali yakho, nansi inqubo njengoba injalo ngaphansi komthetho ka-2022.

Isinyathelo 1: Khombisa Isheke Ngesikhathi Esibekiwe

Kumelwe ulethe isheke ebhange ledrowa zingakapheli izinyanga eziyisithupha kusukela ngosuku lwesheke . Uma uphuthelwa yileli windi, isheke lingase lingamukelwa njengethuluzi lokuphatha yinkantolo. Landelela lesi sikhathi esinqunyiwe ngokucophelela - siyisisekelo sesicelo sakho sonke.

Isinyathelo 2: Thola Isitembu Sasebhange kanye Nesitifiketi

Uma ibhange selibuyisele isheke, qiniseka ukuthi uthola isheke eligxivizwe ngesitembu sokuqala kanye nememo noma isitifiketi esisemthethweni sebhange esiqinisekisa isizathu sokubuyiselwa. Le mibhalo emibili iyingqikithi yesicelo sakho sokuphoqelela umthetho.

Isinyathelo 3: Thumela Isaziso Sezomthetho (Ongakukhetha Kodwa Okwelulekwayo)

Nakuba kungadingeki ngokomthetho, ukuthumela isaziso esibhaliwe esisemthethweni ekhabetheni - ukubanika izinsuku ezinhlanu kuya kweziyisikhombisa zokuxazulula - kunconywa kakhulu. Lokhu kubonisa ukwethembeka kwakho, kuqinisa ukuma kwakho uma udaba luqhubeka, futhi ngezinye izikhathi kuxazulula isimo ngaphandle kokubandakanyeka kwenkantolo.

Isinyathelo 4: Faka Isicelo Sokwenza Icala Enkantolo

Akudingeki ukuthi ufake icala eliphelele lezomthetho. Ngaphansi komthetho omusha, ufaka isicelo ngqo eNkantolo YokuLawula (ebizwa nangokuthi i-Execution Division). E-Dubai, lokhu kusingathwa nge- Dubai Courts Execution Portal , eyamukela nezicelo eziku-inthanethi. Kumacala kuwo wonke ama-emirates, i- UAE Courts ehlanganisiwe ye-e-filing portal inikeza ukufinyelela kuzwelonke kwezinsizakalo zokulawula.

Amadokhumenti okuzodingeka uwathumele yile:

• Isheke lokuqala elibuyiselwe futhi lagxivizwa
• Imemorandamu yasebhange noma isitifiketi esiqinisekisa ukuthi imali ayanele
• Ikhophi yepasipoti yakho (kanye namadokhumenti enkampani uma ufaka egameni lebhizinisi)
• Amakhophi e-ID yedrowa lapho etholakala khona
• Amandla ommeli uma umelelwe ngummeli
• Ubufakazi besaziso esisemthethweni, uma sithunyelwe

Isinyathelo 5: Khokha Izimali Zenkantolo

Izimali zenkantolo zezicelo zokufeza izinqubo ngokuvamile zicishe zibe ngu -5% wenani lesheke , zilinganiselwe enanini eliphezulu, kanye nemali yesicelo ye-AED 150 kanye nezindleko ezincane zokuphatha. Lezi zimali ziphansi uma kuqhathaniswa namandla okuphoqelela avulwa yizo.

Isinyathelo 6: INkantolo Ikhipha Umbhalo Osemthethweni

Inkantolo ibukeza amadokhumenti akho, futhi uma konke kuhamba kahle, ifaka isitembu sesheke njengethuluzi lokuphatha bese ikhipha incwadi yokuphatha . Idrowa libe seliziswa ngokusemthethweni futhi livame ukunikezwa isikhathi esifushane somusa - ngokuvamile cishe izinsuku ezingu-15 - sokukhokha ngokuzithandela ngaphambi kokuba ukuphoqelelwa komthetho kuqhubeke.

Isinyathelo 7: Ukuphoqelelwa Okuphoqelekile Uma Kungakhokhiwe

Uma i-drowa ingakhokhi ngaphakathi kwesikhathi somusa, inkantolo ingayala izindlela ezahlukene zokuphoqelela umthetho. Izinqubo zokuvinjelwa kokuhamba nezinkambiso ze-UAE Courts zichaza amathuluzi anamandla kakhulu atholakalayo kumuntu okhokhelwayo, afaka:

• Ukumisa noma ukubamba ama-akhawunti asebhange
• Ukunamathiswa kwempahla kanye nempahla
• Ukuncishiswa komholo
• Ukuvinjelwa kokuhamba ukuvimbela idrowa ukuthi liphume e-UAE
• Ezimweni zokungalandeli imithetho okuqhubekayo, amawaranti okuboshwa kwabantu ngezinhloso zokuphoqelela (okungafani nokuboshwa ngobugebengu)

Yonke inqubo — kusukela ekufakweni kwesicelo kuya ekuxazululweni — ivame ukuthatha izinsuku eziyi-10 kuya kwezingama-21 ezimweni ezilula, okwenza lokhu kube ngenye yezindlela zokubuyisa izikweletu zomphakathi ezisheshayo ezitholakala e-UAE.

Umhlahlandlela Wesinyathelo Ngesinyathelo Wedrowa: Kwenzekani Uma Ukhiphe Isheke

Uma ungumuntu othola isicelo sokwenza, inqubo ibaluleke ngokulinganayo ukuyiqonda.

Uzothola Isaziso Esisemthethweni Senkantolo

Uma umuntu okhokhelwayo efaka isicelo sakhe, inkantolo izokwazisa ngokusemthethweni. Lesi yisibonakaliso sakho sokuqala esisemthethweni sokuthi izinqubo zokuphoqelela umthetho seziqalile.

Khokha Phakathi Nesikhathi Somusa

Inketho yakho ewusizo kakhulu ukukhokha yonke imali - kufaka phakathi noma yiziphi izindleko zenkantolo - ngaphakathi kwesikhathi somusa esinikeziwe. Lokhu kumisa zonke izinyathelo zokuphoqelela ngokushesha futhi kuvikela irekhodi lakho lesikweletu ekulimaleni okwengeziwe.

Uma Ungakhokhi

Ukungazinaki isaziso senkantolo akuyona isu elisebenzayo. Uma wehluleka ukukhokha ngaphakathi kwesikhathi somusa, inkantolo inegunya lokumisa ama-akhawunti akho, ithathe impahla yakho, ibeke umthetho wokuvinjelwa kokuhamba, futhi ithathe ezinye izinyathelo eziphoqelekile. Lokhu kungaba nemiphumela emibi kakhulu yomuntu siqu neyomsebenzi, ikakhulukazi umthetho wokuvinjelwa kokuhamba.

Imiphumela Yesikweletu Yesikhathi Eside

Njengoba kuphawuliwe ngenhla, i -AECB izoqopha isheke elibuyiselwe emuva kufayela lakho lesikweletu kuze kube yiminyaka emihlanu. Lokhu kungathinta imali mboleko yezindlu, imali yemoto, ukubolekwa kwebhizinisi, kanye nezinye izikhungo zesikweletu ngemuva kokuba udaba olusheshayo seluxazululiwe.

Lapho Amacala Obugebengu Engasasebenza Khona

Uma ibhange livala i-akhawunti yakho ngenxa yokuphindaphinda kokukhokha bese ukhipha amasheke kuleyo akhawunti evaliwe, lawo masheke angase athole izinhlawulo zobugebengu. Ngokufanayo, uma umuntu okhokhelwayo engafakazela ukukhwabanisa, ukufihla ngamabomu, noma ukungabi naso isifiso esihle kuwe, udaba lungadluliselwa ukuze lushushiswe ngobugebengu. Xhumana nommeli onelayisensi ye-UAE ngokushesha uma ukholelwa ukuthi le ngozi iyasebenza esimweni sakho.

Izinto Ezibalulekile Okufanele Uzicabangele: Izindlu Nezindawo Ezikhululekile

Amasheke angemva kosuku avame kakhulu ekuthengisweni kwezindlu e-UAE, lapho abanikazi bezindlu beqoqa khona amasheke amaningi ahlanganisa izikhathi zokuqasha zesikhathi esizayo. UMnyango Wezomhlaba waseDubai kanye ne-RERA banesiqondiso esithile sokuthi amasheke aphindaphindiwe ezivumelwaneni zezindlu aphathwa kanjani, futhi abanikazi bezindlu banamalungelo aqinile okuphoqelela umthetho kulo mongo.

Kumabhizinisi asebenza endaweni engenazimali eDubai, iziNkantolo ze-DIFC ziphinde zinikeze indlela efanayo yokuphoqelela umthetho womphakathi yezingxabano zamasheke. Izinkampani ezibhalisiwe ku-DIFC kufanele ziqinisekise ukuthi yiliphi igunya - iziNkantolo ze-DIFC noma izinkantolo zase-UAE zasogwini - elisebenza kusheke lazo elithile.

Inothi mayelana nomehluko phakathi kwe-Emirate ne-Emirates

Umthetho ngaphansi koMthetho Wezinqumo Kahulumeni No. 50/2022 ungowesifundazwe futhi usebenza ngokufanayo kuzo zonke izifundazwe eziyisikhombisa — i-Abu Dhabi, i-Dubai, i-Sharjah, i-Ajman, i-Umm Al Quwain, i-Ras Al Khaimah, ne-Fujairah. Inqubo eyinhloko iyafana yonke indawo. Kodwa-ke, izifundazwe ngazinye zingasebenzisa izingosi ezihlukene eziku-inthanethi futhi zingaba nokwehluka okuncane kwenqubo. Ingosi Yezinkantolo Zikahulumeni wase-UAE kanye nengosi yolwazi kaHulumeni wase-UAE zombili zinikeza isiqondiso esisesikhathini, esinobungani nezakhamuzi sokufinyelela izinsizakalo kuzo zonke izifundazwe.

Isifinyezo: Amaphuzu Abalulekile Okufanele Uwakhumbule

Iseluleko Sokugcina

Umthetho wamasheke oguquliwe we-UAE wenzelwe ukwenza ukubuyiswa kwezikweletu kusheshe futhi kube nobulungiswa. Kumuntu okhokhelwayo, uyithuluzi elinamandla ngempela — izinkantolo zingashesha, futhi izinketho zokuphoqelela umthetho zibalulekile. Kumuntu oholayo, ukuxazulula kusenesikhathi cishe njalo kungumphumela ongabizi kakhulu, kokubili ngokwezezimali nangokwedumela lesikweletu kanye nenkululeko yomuntu siqu.

Ukuze uthole ukuqhathanisa okuningiliziwe komthetho omdala nomusha, ukuhlaziywa okushicilelwe yi- Al Tamimi & Company kungenye yezincazelo zomthetho eziphelele kakhulu ezitholakala enkampanini yabameli ese-UAE. Sishayele manje ukuze uthole i-aphoyintimenti ephuthumayo ku- +971506531334 +971558018669

Lesi sihloko sibonisa umthetho kusukela ngo-2026, osekelwe kuMthetho Wesinqumo Sikahulumeni No. 50/2022 kanye nesiqondiso esisemthethweni seBhange Elikhulu lase-UAE. Icala ngalinye lihlukile. Uma ubhekene nesimo sesheke elibuyisiwe - kungaba njengomuntu okhokhelwayo noma odonswayo - xhumana nebhange lakho ngokushesha, bese ucela iseluleko kummeli we-UAE onelayisensi noma uvakashele iNkantolo Yokubulawa eseduze.