Abaqashi baseDubai bavame ukuhlangana nezinkinga idiphozi yokuphepha ukubuyiselwa kwemali ekupheleni kwezivumelwano zabo zokuqashisa. Lezi zidiphozithi, ngokuvamile eziyiphesenti lerenti yonyaka, ziqinisekisa abanikazi bezindlu ngokumelene nomonakalo ongaba khona ngesikhathi sokuqasha. Kodwa-ke, inqubo yokubuyisela lezi mali ezifakwayo ingaba nezithiyo.
Abaqashi kudingeka bakhokhe idiphozithi yesibambiso ekuqaleni kwesivumelwano sokuqashisa, esisebenza njengesiqiniseko sezimali kubanikazi bezindlu. Ngokuvamile, inani lingama-5% erenti yonyaka yezakhiwo ezingenafenisha futhi iqala ku-10% kulezo ezinikeziwe. Le diphozithi ikhona ukuze ulawule ukulungisa okungaphezu kokuguga okuvamile, kodwa abanikazi bezindlu kufanele bayibuyisele uma indawo ishiywe isesimweni esihle.
I-Athikili 20 yoMthetho Wokuqashisa wase-Dubai ikhuluma ngokunembile nalezi zidiphozithi, igcizelela ukuthi abanikazi bezindlu bangagcina kuphela izimali ezidingekayo zokulungisa noma irenti engakhokhelwa. Kuyilungelo lesiqashi ukuthola imbuyiselo ngaphandle uma indawo idinga ukulungiswa okwedlula umonakalo ojwayelekile ohlobene nokusetshenziswa.
Izinkinga ngokubuyiswa kwediphozi yesibambiso ngokuvamile ziphakama ngenxa yemali ebanjwayo—abaqashi bangase baphikisane nezinga lalokhu kubanjwa. Ngaphezu kwalokho, ukubambezeleka ekubuyiselweni kwemali, ukudonswa kwecala elilodwa ngaphandle kwemibhalo, kanye nokungaxhumani kahle phakathi kwezinhlangothi kungase kubhebhethekise ukukhungatheka.
Ushintsho lokuphathwa kwezakhiwo lungaphinda luxabanise izinqubo zokubuyiselwa kwemali, lungenise ukudideka mayelana nokubuyiselwa kwemali nezibopho. Abaqashi kufanele bakhuthale ekuxhumaneni nabanikazi bezindlu ukuze baxazulule izingxabano, baqinisekise ukuthi yonke imigomo nemibandela icacile zisuka nje.
Ukuze ugweme izinkinga zokubuyiselwa imali, abaqashi nabanikazi bezindlu kufanele bahambisane nomthetho, bagcine ukuxhumana okucacile, futhi bahlole ngokucophelela kokubili ezigabeni zokuphuma nokuphuma. Amadokhumenti afanelekile asiza ukuvimbela izingxabano futhi aqinisekise ukuba sobala kuyo yonke inqubo yokuqasha.
Ezimweni lapho izingxabano zingakwazi ukuxazululwa khona ngokuthula, noma yiliphi iqembu lingafuna ukungenelela kwezomthetho. I-Real Estate Regulatory Agency (RERA) ingalamula izingxabano, inikeze umzila osemthethweni wokuxazulula izinkinga zediphozithi yokuvikeleka.
Ukubuyiselwa kwemali kwediphozithi yezokuphepha e-Dubai kungase kubangele izinselele, kodwa abaqashi bangakwazi ukuvikela izintshisekelo zabo ngokuxhumana okucacile nokuqonda imithetho yendawo. Ngokwenza ukuhlola okuphelele nokugcina imibhalo, zombili izinhlangothi zingaqinisekisa ukuzizwisa okushelelayo kokuqasha. Uma kuphakama izingxabano, i-RERA ima njengomxazululi onokwethenjelwa ekuxazululeni izingxabano, ebuyisela ubulungisa enqubweni yokuqasha.
