Umkhakha wezezindlu ku Emirate of Dubai ibone ukukhula okukhulu emashumini ambalwa eminyaka adlule, ihlinzeka amathuba okutshala imali anenzuzo eziheha abathengi abavela emhlabeni jikelele. Njengoba imboni iqhubeka nokukhula ngokushesha, i-Dubai, I-CANCER futhi Abu Dhabi uhulumeni usesebenzise imithetho nemithethonqubo eyahlukene ukuze asekele ukuthuthukiswa komkhakha ngesikhathi evikela amalungelo abatshalizimali kanye nabasebenzisi bokugcina.
Ubudlelwano obubalulekile kunoma yikuphi ukuthengiselana kwezindlu nezindlu yi isivumelwano senkontileka phakathi kukanjiniyela owakha indawo kanye nomuntu noma inhlangano ethenga impahla ethengiswayo. Kodwa-ke, izingxabano zingase ziphakame lapho omunye umuntu ephula imigomo yenkontileka. Ukuqonda imithelela yokuphulwa kwenkontileka konjiniyela abangaphakathi kwe-UAE noma i-ecosystem ye-real estate yase-Dubai kubalulekile kubathengi abafuna amakhambi asemthethweni nezisombululo.
Indawo yase-Dubai ye-Real Estate
I-Dubai inendawo yesimanjemanje echazwa ngamabhilidi acwebezelayo, iziqhingi ezenziwe abantu, kanye nentuthuko yezindawo zokuhlala. Imakethe yezakhiwo ze-emirate yalinganiselwa ezigidini eziyizinkulungwane ezingama-90 zama-USD ngo-2021, igcizelela isikali nokuvelela kwezindawo ezithengiswayo esifundeni sonke.
Ukuthutheleka okukhulu kokutshalwa kwezimali kwamanye amazwe kuye kwangena ekuthengeni okungahleliwe kwamahhotela, amafulethi, ama-villas, nendawo yezohwebo kule minyaka eyishumi edlule. Izinhlelo zokukhokha ezikhangayo, izikhuthazo zama-visa (njengeGolden Visa), kanye nezinzuzo zendlela yokuphila ukunxenxa abatshalizimali bamazwe ngamazwe emkhakheni wezakhiwo waseDubai. Ngeziqhingi ezizayo ze-Nakheel Marinas Dubai, i-Palm Jebel Ali, i-Dubai Islands Beach, i-Dubai Harbour, njll kanye nethemba elijwayelekile mayelana nokululama ngemuva kobhubhane lwe-UAE, imboni yezindlu ezithengiswayo isilungele enye. isigaba sokukhula.
Uhulumeni wase-Dubai usekhiphe izinhlelo ezahlukene zenqubomgomo kanye nezinhlaka zokulawula okuhloswe ngazo ukuqapha imboni ethuthuka ngokushesha kuyilapho kugcizelelwa imigomo yamalungelo abathengi kanye nokuhambisana nomthetho. Nokho, i isivinini esikhulu sokuthuthukiswa kwenza kubaluleke kakhulu kubathengi nabathengisi ukuthi baqonde ukumangalelwa kwezindlu nezindlu kanye nokwephulwa kwezivumelwano zezinkampani ezithintekayo, futhi ukuvimbela nokuxazulula izimangalo zokwakha.
Ubudlelwano Bezomthetho Phakathi Konjiniyela Nabathengi
Isivumelwano sokuthenga senkontileka phakathi komthengi nonjiniyela sakha ubudlelwano bomthetho obumaphakathi kunoma yikuphi ukutholwa kwesakhiwo sase-Dubai noma ukutshalwa kwezimali ngaphandle kohlelo. Ukwakha izinkontileka ezinemininingwane echaza amalungelo nezibopho kuyasiza ukunciphisa izingxabano zenkontileka phansi ngomugqa. Umthetho wezakhiwo we-UAE, ikakhulukazi imithetho esemqoka efana noMthetho No. 8 ka-2007 kanye Nomthetho No. 13 ka-2008, ubusa ukuthengiswa kwezindawo ezithengiswayo phakathi kwezinhlangothi zombili.
Izibopho zikanjiniyela
Ngaphansi komthetho wezakhiwo wase-Dubai, abathuthukisi abanelayisensi banezibopho ezimbalwa ezibalulekile:
- Ukwakha izindawo ezithengiswayo ngokwezinhlelo eziqokiwe nezimvume
- Ukudlulisela ubunikazi obusemthethweni kumthengi ngokwenkontileka okuvunyelwene ngayo
- Ukunxephezela abathengi uma kwenzeka ukubambezeleka noma ukwehluleka ukuqedela iphrojekthi
Ngaleso sikhathi, abathengi abangekho ohlelweni bayavuma ukwenza izinkokhelo ngezitolimende ezihambisana nezinyathelo ezibalulekile zokwakha iphrojekthi futhi bathathe ubunikazi ngokusemthethweni kuphela ngemva kokuqedwa. Lokhu kulandelana kwezehlakalo kuncike kakhulu kuzo zombili izinhlangothi ezithobela izibopho zazo zenkontileka.
Amalungelo Omthengi
Ngokuhambisana nezinhlelo zokuvikela abathengi kuyo yonke i-Dubai, imithetho yezindlu ezithengiswayo iphinde iqinise amalungelo athile kubathengi bezakhiwo:
- Sula ubunikazi obusemthethweni bempahla ethengiwe ngemva kokuqeda izinkokhelo
- Ukuqedwa ngesikhathi kanye nokunikezelwa kwempahla ngomugqa wesikhathi okuvunyelwene ngawo
- Ukubuyiselwa kwemali kanye nesinxephezelo esimweni sokwephulwa kwenkontileka ngunjiniyela
Ukuqonda lawa malungelo ahlanganisiwe kubalulekile kubathengi abahlola izinyathelo ezingokomthetho mayelana nokwephulwa kwenkontileka.
Ukuphulwa Kwezinkontileka Okubalulekile ngabathuthukisi baseDubai
Naphezu kwemithetho eqinile yentuthuko, izimo ezimbalwa zingase zenze ukwephulwa kwezivumelwano zomthengi nonjiniyela ku-ecosystem ye-real ecosystem yase-Dubai:
Ukukhansela Iphrojekthi noma Ukubamba
Ukubambezeleka kokwakhiwa noma ukukhanselwa ngokuqondile kwephrojekthi yiziphathimandla kungaba nomthelela omkhulu kubathengi. Kulezi zimo, i-Athikili 11 yoMthetho No. 13 ka-2008 igunyaza ngokucacile onjiniyela ukuthi babuyisele izinkokhelo zabathengi ngokugcwele. Lesi sigaba somthetho sivikela amalungelo abatshalizimali uma kwenzeka inqubekelaphambili iphazamiseka.
Ukunikezwa Sekwephuzile Kwamayunithi Aqediwe
Umnqamulajuqu ogejiwe wokuqeda ukwakha nokudlulisela impahla kubathengi abaphelelwa yisineke nakho kufana nokwephulwa kwenkontileka. Ngisho noma icala lingabandakanyi ukukhanselwa okuphelele kwephrojekthi, umthetho wezakhiwo wase-Dubai usavumela abathengi ukuthi bathole ukulahlekelwa kanye nokulimala okuvela kunjiniyela onesibopho.
Ukudayiswa Kwamalungelo Ezakhiwo Kwabanye Abantu
Njengoba onjiniyela kufanele banikeze ubunikazi ngokusemthethweni kubathengi abagcwalisa izinkokhelo zenkontileka, ukuthengisa lawo malungelo ezinkampanini ezintsha ngaphandle kwemvume kwephula isivumelwano sokuqala sokuthenga. Lezi zingxabano zingase zivele uma abatshalizimali bokuqala bemisa izitolimende kodwa abathuthukisi baqala ngokungafanele izinqubo zokunqanyulwa, okuholela ekutheni ukuqedwa kwempahla yokulamula.
Ngamafuphi, ukwephulwa kwesivumelwano kuhambisana nokwehluleka konjiniyela ukuthobela izithembiso ezibalulekile ezisekela umsebenzi wezindlu ezithengiswayo, noma ngabe ukwakhiwa okufika ngesikhathi, ukudluliswa okusemthethweni kobunikazi, noma ukubuyiselwa kwemali okuqinisekisiwe uma kunesidingo. Ukuqonda lapho kwenzeka khona ukwephulwa komthetho kuvumela abathengi ukuthi bafune ukubuyiselwa imali efanele ngaphansi komthetho we-UAE kanye nowezindlu ezithengiswayo wase-Dubai.
Izixazululo Zomthengi Zokwephulwa Kwezinkontileka Zokuthuthukiswa
Uma onjiniyela bephula izivumelwano zokuthenga, Umthetho wezakhiwo wase-Dubai kanye ne-UAE uhlomisa abathengi ukuthi bathathe izinyathelo ezithile zokulungisa befuna umonakalo, isinxephezelo, noma ukukhokhelwa kwenkontileka ephuliwe.
Lapho ubhekene nokwephulwa kwenkontileka konjiniyela emakethe yezindlu e-Dubai, ukuthatha izinyathelo ezisheshayo kubalulekile ukuze uvikele ukutshalwa kwezimali kwakho nokuvikela izintshisekelo zakho. Kulesi sigaba sokugcina, sizonikeza isiqondiso esisebenzayo salokho abathengi abangakwenza lapho bebhekene neqiniso elingathandeki lokuphulwa kwenkontileka.
Ukukhuthala Okufanelekile Ngaphambi Kokusayina
Ngaphambi kokuthi ufake ipeni ephepheni kwinkontileka yezindlu e-Dubai, ukukhuthala okuphelele kubalulekile. Nakhu okufanele ukukhumbule:
- Ucwaningo Onjiniyela: Phenya isithunzi kanye nerekhodi lomthuthukisi. Bheka izibuyekezo, izilinganiso, nempendulo evela kubathengi bangaphambilini.
- Ukuhlolwa Kwezakhiwo: Hlola isakhiwo ngokomzimba futhi uqinisekise ukuthi sihambisana nalokho okulindele kanye nemigomo eshiwo kunkontileka.
- Xhumana Nochwepheshe Bezomthetho: Cela iseluleko kochwepheshe bezomthetho abasebenza ngokukhethekileyo ngemithetho yezindlu e-Dubai. Bangakusiza uqonde imigomo nemithelela yenkontileka.
Ukuvikela Kwenkontileka
Lapho ubhala noma ubuyekeza inkontileka yezindlu nemizi e-Dubai, ukufaka izivikelo ezithile kunganikeza isivikelo ekuphuleni okungase kube khona:
- Sula Imigomo: Qinisekisa ukuthi inkontileka ichaza ngokucacile yonke imigomo, okuhlanganisa amashejuli okukhokha, izikhathi zokuqeda, nezijeziso zokwephulwa.
- Izigaba zesijeziso: Faka izigatshana zenhlawulo zokulibaziseka noma ukuchezuka kukhwalithi okuvunyelwene ngayo namazinga okuklama.
- Ama-akhawunti we-Escrow: Cabangela ukusebenzisa ama-akhawunti e-escrow ukuze ukhokhe, anganikeza ileveli yokuphepha kwezezimali.
Indlela Yomthetho
Esimeni sokwephulwa kwenkontileka, kubalulekile ukuqonda izinketho zakho ezingokomthetho nokuthi ungaqhubeka kanjani:
- Xhumana Nommeli: Bandakanya izinsiza zommeli onolwazi olunzulu ezingxabanweni zezindlu. Bangahlola udaba lwakho futhi bakweluleke ngesinyathelo esingcono kakhulu.
- Izingxoxo: Ukuzama ukuxazulula udaba ngokuxoxisana noma ukulamula ngaphambi kokuthatha izinyathelo zomthetho.
- Faka Isimangalo: Uma kudingeka, vula icala ukuze uthole amakhambi anjengokuhoxiswa, ukusebenza okuthile, noma isinxephezelo.
Funa Iseluleko Sochwepheshe
Ungalokothi ubukele phansi ukubaluleka kokufuna iseluleko sochwepheshe, ikakhulukazi ezindabeni zezomthetho eziyinkimbinkimbi njengokuphulwa kwenkontileka:
- Ongoti Bezomthetho: Thembela elwazini lochwepheshe bezomthetho abaqonda imithetho yezindawo ezithengiswayo e-Dubai futhi abangakuqondisa kunqubo.
- Abathengisi Bezakhiwo: Cabangela ukubonisana nabeluleki bezindlu abanganikeza imininingwane ngemakethe futhi bakusize wenze izinqumo ezinolwazi.
Ukuqala Ukunqanyulwa Kwenkontileka noma Amacala
Uma kwenzeka ukwephulwa kwezindaba zenkontileka kuqhubeka ngaphandle kokuyekethisa, abathengi banelungelo lokusebenzisa izinketho zomthetho ezinamandla kakhulu:
Ukuthumela Izaziso Zokwephulwa Kwenkontileka
Ngaphambi kwecala, abameli babathengi bazisa ngokusemthethweni umthuthukisi ongayithobeli imithetho yokwephulwa kwenkontileka yabo ngenkathi becela amakhambi athile noma ukubambelela esivumelwaneni sokuqala phakathi nesikhathi esinqunyiwe. Kodwa-ke lezi zaziso zandulela esikhundleni sokuvala ukuqulwa kwamacala enkantolo.
Icala Lomthetho Elimelene Nonjiniyela e-Dubai noma ezinkantolo zase-UAE
Uma isinqumo sangaphandle kwenkantolo sihluleka, abathengi bangafaka icala elisemthethweni lokufuna ukulungiswa kwezimali noma ukunqanyulwa kwenkontileka. Izixazululo ezijwayelekile ezimangalelwe ngamacala ahlanganisa:
- Umonakalo oyisinxephezelo ohlanganisa ukulahlekelwa okungabazekayo
- Ukutholwa kwezindleko njengezinkokhelo zomthetho noma izinkokhelo ezigejiwe
- Inzalo yesamba esitholiwe ayibuyiselwanga ngokushesha
- Ukuqedwa kwenkontileka yokuqala ngenxa yokuphulwa okungenakulungiseka
Iqhaza Lezinhlaka Ezilawulayo Ezimeni Zezakhiwo
Ezinkantolo zezindlu, izindikimba ezigunyaziwe ezifana I-RERA ukusekela njalo ukuziphendulela kwezomthetho. Isibonelo, abatshalizimali bentuthuko ekhanseliwe bangase bathole zonke izimali ngekomiti elizinikele lezingxabano elihlanganiswe ngaphansi komthetho wezakhiwo wase-Dubai.
Ukwengeza, lezi zikhungo zingashushisa ngokwazo onjiniyela abangathobeli imithetho ngezinhlawulo, ukufakwa ohlwini lwabavinjelwe, noma esinye isinyathelo sokuqondiswa kwezigwegwe phezu kwamacala ombango afakwe abamangali ngabanye. Ngakho-ke ukuqondiswa kokulawula kudala ukubaluleka okwengeziwe kubathengisi ukuze bagweme ukwephulwa kwemisebenzi ekhokhiwe.
Kungani Ukuqonda Inkontileka Kuphula Indaba
Ezimakethe ezishintshayo ezithengisa izindlu ezithengiswayo ezifana ne-Dubai, umthetho uyaqhubeka nokuvuthwa ukuze uhambisane nobunkimbinkimbi babathengi, abathengisi, kanye nemikhiqizo. Imithetho yezakhiwo ebuyekeziwe yembula ukugcizelelwa kobulungisa nokungafihli lutho okuboniswa ukuvikela okuthuthukisiwe kwabathengi kanye nezimfuneko zokubika.
Njengoba imboni iqhubeka, bobabili abatshalizimali nabathuthukisi kufanele bazivumelanise ngokufunda amalungelo enkontileka nezibopho. Kubathengi, ukuqonda ngokwephulwa okuvamile kuvumela ukuhlola kahle ubungozi lapho kuhlolwa amaphrojekthi amasha kuyilapho kulandelwa amakhambi afanelekayo uma kwenzeka izinkinga zigcina sezivela endleleni.
Ukuthi isinqumo sangaphandle kwenkantolo noma sisemthethweni Dubai Courts isinqumo, abathengi kufanele bavikele izeluleko zezomthetho ezingochwepheshe lapho bebhekene nezinsolo zokwephulwa kwesivumelwano sokuthenga esisayiniwe. Njengoba amacala aqondiswe kumafemu amakhulu okuthuthukisa ukwephulwa kwenkontileka okuyinkimbinkimbi ehluka kakhulu emacaleni omphakathi avamile, ukubambisana nochwepheshe abanolwazi lwemithetho yendawo nezindawo ezithengiswayo kanye nezilinganiso zokulawula kunikeza ukwesekwa okubalulekile.
Enkundleni yesimanje yezakhiwo zase-Dubai echazwa amabhiliyoni ayizigidi zamadola, abatshalizimali baphesheya kwezilwandle, kanye nemiphakathi eyinkimbinkimbi yokusebenzisa izinto ezixubile, abathengi ngeke bakwazi ukushiya ukwephulwa kwenkontileka kungahloliwe. Ukuqonda izinhlinzeko zomthetho mayelana nemisebenzi yonjiniyela kanye nelungelo labathengi kwenza ukuqapha kanye nesinyathelo esisheshayo sibe nokwenzeka. Ngomthetho owanele wamalungelo okuvikela impahla, abathengi bangalandela imigudu eminingana ukuze bahlengwe ngemva kokuhlonza ukwephulwa kwempahla.
Imibuzo Evame Ukubuzwa Ngokuphulwa Kwezinkontileka Ngonjiniyela Ezimeni Zezindlu Nezindlu
1. Ithini ingqikithi yomkhakha wezindlu e-Dubai okukhulunywe ngawo ohlakeni lwesihloko?
- Umkhakha wezindlu nezindlu e-Dubai ubonakala ngamathuba okutshala imali anenzuzo aheha abathengi. Ukwengeza, izishayamthetho eDubai zizimisele ngokwakha imithetho yokuxhasa ukukhula kwalo mkhakha.
2. Yimiphi imithetho elawula ubudlelwano benkontileka phakathi konjiniyela nabathengi emkhakheni wezindlu nezindlu wase-Dubai?
- Ubudlelwano benkontileka phakathi konjiniyela nabathengi emkhakheni wezindlu ezithengiswayo e-Dubai bulawulwa imithetho efana noMthetho No. 8 ka-2007 kanye Nomthetho No. 13 ka-2008. Le mithetho iveza uhlaka olusemthethweni lokuthengiselana kwezakhiwo.
3. Yiziphi izibopho zonjiniyela emkhakheni wezindlu nezindlu e-Dubai?
- Onjiniyela banesibopho sokwakha amayunithi ezindlu nomhlaba ophethwe noma ogunyaziwe futhi badlulisele ubunikazi kubathengi ngokuya ngemibandela yenkontileka yokudayiswa.
4. Iyini imiphumela yokuthengiswa kwezindlu okungahleliwe emakethe yezindlu yase-Dubai?
- Ukuthengisa ngaphandle kwepulani e-Dubai kuvumela abathengi ukuthi bathenge indawo ngezitolimende futhi banikeze abathuthukisi ngezimali ngezinkokhelo zomthengi.
5. Kwenzekani uma iphrojekthi yezindlu ezithengiswayo ikhanseliwe yi-RERA (I-Real Estate Regulatory Authority) e-Dubai?
- Uma iphrojekthi ikhanseliwe yi-RERA, onjiniyela badingeka ngokoMthetho No. 13 ka-2008 ukuthi babuyisele zonke izinkokhelo zomthengi. Lokhu kuqinisekisa ukuthi amalungelo omthengi avikelekile uma iphrojekthi yokuthuthukisa imiswa kungazelelwe.
6. Iyini imiphumela uma umthuthukisi ephuza ukunikezela ngempahla kumthengi?
- Uma unjiniyela ephuzile ekunikezeni impahla, umthengi unelungelo lokufuna isinxephezelo kunjiniyela. Abathengi bangazama futhi ukuxazululwa ngokuthula ngoMnyango Wezomhlaba wase-Dubai (DLD).
7. Ingabe umthengi angayeka ukwenza izinkokhelo ngenxa yokwephulwa kwenkontileka kanjiniyela?
- Yebo, umthengi angayeka ukwenza izinkokhelo uma unjiniyela ephula inkontileka. Ezimweni eziningi, izinkantolo zikhipha isinqumo esivuna ilungelo lomthengi lokunqamula inkontileka, futhi izimangalo eziphikisayo zikanjiniyela ziyachithwa uma kube khona ukwephulwa kwenkontileka kwangaphambilini.
8. Imaphi amakhambi atholakalayo nezinketho zokuxazulula izingxabano zokuphulwa kwenkontileka yezindlu nezindlu e-Dubai?
- Amakhambi nezinketho zokuxazulula izingxabano zihlanganisa ukufuna ukuxazululwa ngokuthula okwenziwa uMnyango Wezomhlaba wase-Dubai (i-DLD), icala ngokuthumela isaziso somthetho nokufaka icala, kanye nokubandakanyeka kweziphathimandla ezilawulayo njenge-RERA namakomiti abatshalizimali ukuze kuvikelwe abathengi abanobandlululo.
9. Imithetho eqinisiwe yezakhiwo e-Dubai ivuna kanjani abathengi ezingxabanweni zezindlu nezindlu?
- Imithetho yezakhiwo eqinile e-Dubai ivuna abathengi ngokunikeza izinqubo ezicacile zokuphoqelela amalungelo omthengi nonjiniyela kanye nezimiso zokusekela ubulungisa ezimbangweni zezindlu ezithengiswayo.
10. Kuyini ukubaluleka kweziphathimandla ezilawulayo ezifana ne-RERA kanye namakomidi abatshalizimali emkhakheni we-real estate wase-Dubai?
Iziphathimandla ezilawulayo ezifana ne-RERA namakomiti abatshalizimali zidlala indima ebalulekile ekuvikeleni amalungelo abathengi kanye nokuthatha izinyathelo zokuqondiswa kwezigwegwe kubathuthukisi abephula imithetho.
