Ummeli Wezinxephezelo Ochwepheshe Angakuthola Kanjani Izicelo Zokulimala Okuphezulu

Ifemu yethu yabameli bokulimala komuntu siqu manje isingesinye sezinkulu ezweni lonke futhi isingatha amakhulukhulu wamacala ezakhamuzi kuyo yonke i-UAE.

Izihloko Zengozi Yemoto

Kungani Ukufakela Icala Lomphakathi Ngezimangalo Zomuntu Olimele e-UAE kubalulekile?

Izicelo zokulimala komuntu zingaqaliswa noma amafayela yisisulu ngommeli wokulimala komuntu siqu ngokumelene nomuntu noma inkampani yomshwalense ebangele ukulimala. Kodwa-ke, kunesidingo esidinga ukugcwaliswa ukuze isimangalo sokulimala engozini sifakwe enkantolo yomphakathi yase-Dubai nanoma iyiphi i-emirates e-UAE.

Kufanele kube necala lobugebengu kanye nesinqumo esibhekiswe kumuntu ngesenzo esingalungile esenziwe. Kuphela ngemva kwalokho, isisulu singaqalisa isimangalo sokulimala komuntu siqu kulowo muntu noma inkampani yakhe yomshwalense ngomonakalo odalwe isenzo sakhe esingalungile.

Kufanele kugqanyiswe ukuthi icala lobugebengu alinawo umthelela noma umthelela esibophweni somphakathi (inani elifunwayo lokulimala) kwesigameko, kodwa umphumela kufanele ube ovuna wena.

Yimaphi amadokhumenti adingekayo ekugcwaliseni Icala Lomphakathi ngezimangalo zokulimala komuntu?

E-UAE, izimangalo zokulimala komuntu siqu zingafakwa ngaphansi komthetho wezakhamuzi, futhi ziwela ngaphansi kwesibopho sezomthetho. Izindaba eziphathelene nokulimala komuntu siqu zihlanganiswa ngaphansi kwekhodi Yomphakathi yoMthetho Wombuso Wango-1985 futhi ihlanganiswa nama-athikili amaningi kuMthethosisekelo.

Umhlukunyezwa kudingeka ukuthi alethe imibhalo elandelayo lapho efaka isicelo sokulimala komuntu siqu:

  • Idokhumenti enemininingwane yokulimala kanye nohlu lomonakalo odalwe kanye nezidingo zokunxephezela ukulimala komuntu siqu
  • Umbiko wamaphoyisa uhlinzeka ngombiko ogcwele wophenyo kanye nokubonwa kwesigameko
  • Ikhophi yesinqumo secala lamaphoyisa kanye nesitifiketi sokushushiswa komphakathi sesinqumo sokugcina
  • Iphesenti lokukhubazeka isisulu abhekene nalo ngenxa yokulimala komuntu siqu elifakazelwa udokotela ogunyaziwe noma Uma isisulu singenalo lolu lwazi, angacela inkantolo ukuthi ilethe Uchwepheshe Wezokwelapha ukuze ahlole ukukhubazeka.
  • Irekhodi lezokwelapha lesisulu kanye nezikweletu zezindleko
  • Ubufakazi bomthelela wezomnotho kusisulu ngenxa yokulimala komuntu siqu. Lokhu kungaba yinkontileka yokuqashwa, isitifiketi seholo kanye nobunye ubufakazi bemali engenayo obuthintwe ukulimala komuntu siqu

Ngisixhasa Kanjani Isimangalo Sami Sokulimala Kwami ngemva kwengozi?

Ungakwazi ukukhokhela izimangalo zakho zokulimala ngezindlela ezilandelayo ezinikezwe ngezansi:

    • Ngaphansi kohlelo “lokungawinwa-kungakhokhi” okwaziwa nangokuthi yisivumelwano semali enemibandela, isisulu ngeke kudingeke sibhekane nengozi yezezimali yokulandela isimangalo futhi ngeke kudingeke ukuthi akhokhe imali yommeli kusenesikhathi. Ngaphansi kwalo mbandela, ngeke kudingeke ukuthi ukhokhe izindleko zomthetho kuze kube yilapho isimangalo siphumelela.
    • Abameli bethu noma abameli bangakusiza ngecala lakho lombango, ukuze uthole isinxephezelo ukuze ukhokhe zonke izindleko zakho futhi ubuyele ezinyaweni zakho ngokushesha ngangokunokwenzeka. Sikhokhisa i-AED 1000 ngokubhalisa nathi kanye no-15% yenani elifunwayo lecala lomphakathi (ngemuva kokuthola imali). Ithimba lethu lezomthetho likubeka kuqala, kungakhathaliseki ukuthi kwenzekani, yingakho sikhokhisa izimali eziphansi kakhulu uma kuqhathaniswa nezinye izinkampani zabameli.

Indlela Yokufakazela 'Ubuhlungu Nokuhlupheka' esimangalweni sokulimala noma isinxephezelo?

Amasu amaningi angasetshenziswa ukunikeza ubufakazi bobuhlungu nokuhlupheka ngenxa yokulimala komuntu siqu okuhambisana nomthetho wokulimala. Izikweletu zezokwelapha, amarekhodi, nemibiko kanye nesithombe sokulimala kungaqoqwa futhi kwethulwe enkampanini yomshwalense noma enkantolo ngesikhathi sokufaka isicelo.

Ubufakazi bochwepheshe kanye nokubonisana kwengqondo kungasetshenziswa ukufakazela ubuhlungu nokuhlupheka okubhekene nesisulu. Ubuhlungu nokuhlupheka yizici ezingezona ezomnotho kodwa zidinga ukucutshungulwa ukuze umthelela walezi zici ulinganiswe futhi unxeshezelwe ngendlela efanele.

Ikusasa Lakho Lonke Lingancika Esinxephezelweni Esigcwele

Enkampanini noma kubantu abathile, obamangalelayo - icala lakho lingase libe yizindleko ezicasulayo. Kodwa kuwena njengesisulu, kungase kube ukushintsha impilo.

  • Ukulimala kwakho kungase kunciphise umthamo wakho wokuzuza ngokuzayo. Bangase bakuvimbele ukuthi usebenze esikhathini esizayo emsebenzini ofanayo futhi.
  • Ukulimala kwakho kungase kuholele ezindlekweni zezokwelapha zesikhathi esizayo ezinjengokuhlinzwa, izinsiza zokwelapha noma imithi.
  • Kungenzeka ukuthi uke wabhekana nokucindezeleka ngokomzwelo okushintsha ukuphila ngenxa yokulimala kwakho.

Isinxephezelo esigcwele sokulimala kwakho ngeke sikususe usizi nobuhlungu bengozi kodwa kuzokusiza ukuthi uphile nakho. Futhi uma ukucindezeleka kwezezimali sekususiwe, isinxephezelo sakho sizokusiza ukuthi ugxile empilweni yakho nokululama.

Ngokwezibalo, uma uqasha ummeli wokulimala komuntu uzothola isinxephezelo esikhulu kakhulu esingaba khona kunalapho unquma ukuhamba necala lombango wedwa. Lokhu kusho ukuthi nakuba izindleko zabameli zizodinga ukukhokhwa, isinxephezelo sakho sokugcina sizoba phezulu kakhulu kunalokho ongakwenza ukuze ukwazi ukuthwala lezi zindleko ezengeziwe.

Uqasha Nini Ummeli Wokulimala Komuntu Siqu?

Ezehlakalweni ezincane, asikho isidingo sokuletha ummeli wokulimala komuntu siqu uma isithembiso sokuxazulula esifanelekile sethulwa yiqembu eliphikisayo futhi umthelela wesigameko awubalulekile. Kodwa-ke, ezimeni eziyinkimbinkimbi njengengozi eholela ekulimaleni kobuchopho, ukulimala komgogodla noma ukukhubazeka komuntu ohlukunyeziwe, ummeli wesimangalo sengozi kufanele alethwe ngokushesha.

Ukufingqa, ummeli wokulimala komuntu siqu kufanele alethwe ngokushesha lapho:

  • Uma unesiqiniseko sokuthi ophikisana naye ube necala ngalesi sigameko, kodwa inkampani yomshwalense yenqabile ukukhokhela isimangalo.
  • Uma icala liyinkimbinkimbi. Icala lingaba nzima ngenxa yokubandakanyeka kwamaqembu amaningi. Ezimweni ezinjalo, abameli bokulimala komuntu siqu basiza ekugqamiseni abamangalelwa abanomthwalo wemfanelo kanye nendlela isikweletu okufanele sabiwe ngayo phakathi kwabo.
  • Lapho kunikezwa isinxephezelo kodwa ucabanga ukuthi akunangqondo. Ngaphansi kwezimo ezinjalo, ummeli wokulimala komuntu onokuhlangenwe nakho kufanele alethwe esibayeni ngaphambi kokwamukela isithembiso sokukhokhelwa ngokungenangqondo.

Izinzuzo Zokuqasha Ummeli Wokulimala Komuntu Siqu

  • Ubungcweti kanye Nenhloso: Ngemuva kwesigameko, isisulu kanye nabantu abasondelene naye bangase bangabi abantu abangcono kakhulu uma bethatha izinqumo njengoba izinqumo zabo zingafiphazwa ukuhlukumezeka ngokomzimba nangokomzwelo kwesigameko. Ngemuva kwesigameko, abasondelene nesisulu ukunakekela izidingo zezempilo nezingokwenyama zomuntu ohlukumezekile. Ukufaka nokulandela isimangalo sokulimala kuthatha indawo engemuva. Phakathi naleso sikhathi, kuyadingeka ukuba kulethwe ummeli wokulimala komuntu siqu, ongabheka kuphela inqubo yesicelo futhi aqinisekise ukuthi isinxephezelo esingcono kakhulu siyatholwa ngokulimala kabuhlungu.

  • Izingxoxo Eziqinile: Umuntu ovamile ngeke akwazi kahle ukuxoxisana nezinkampani zomshwalense noma amafemu ezomthetho ngokungafani nommeli wokulimala komuntu siqu, owenza lo msebenzi ukuze athole isinkwa nebhotela. Ngakho-ke, ummeli wokulimala kungenzeka ukuthi athole isinxephezelo esingcono kunokuphishekela isimangalo uwedwa.
  • Isinxephezelo Esisheshayo: Kuzodingeka welaphe ngokuphelele ngaphambi kokuphishekela isimangalo sokulimala komuntu siqu. Kodwa-ke, uma ummeli omuhle wokulimala eqashwa khona-ke inqubo iqala ngesikhathi esingaphambili futhi inqubo iyonke nayo yenzeke ngesivinini esisheshayo njengoba ummeli wesimangalo sengozi enolwazi oluthe xaxa futhi enokulandelela okungcono ekulandeleni isimangalo.

Siyini Isinyathelo sokuqala sesimangalo?

Umhlukunyezwa uzoqala uhlelo ngokufaka isicelo ekomitini lokulamula ngokulimala komuntu siqu okudalwe umenzi wobubi. Umsebenzi wekomidi lokulamula uwukuhlanganisa izinhlangothi zombili ukuze zivumelane ngesixazululo ngendaba yokulimala komuntu siqu.

Kwenzekani Enkantolo Yecala Lokuqala ecaleni lesinxephezelo?

Uma ikomidi lokulamula lingakwazi ukuxazulula udaba phakathi kwezinhlangothi zombili, isisulu sifaka icala enkantolo yokuqala. Umhlukunyezwa uzoba umfakisicelo enkantolo yomthetho.

Ngemuva kokufakwa kwecala enkantolo yokuqala, inkantolo izonikeza umenzi wobubi isaziso, ozodlala indima yommangalelwa emehlweni enkantolo. Ummangalelwa unenketho yokwamukela, ukwenqaba noma ukwethula isiphakamiso esiphikisana nezimfuno ezibekwe ngumfakisicelo.

Sibalwa Kanjani Isinxephezelo Sokulimala Komuntu Siqu?

Ukuxhumana okuqondile nokungaqondile phakathi kwesenzo somenzi wobubi kanye nokulimala okudalwe kulowo ohlukunyeziwe kusetshenziswa njengesisekelo sokubala umonakalo wanoma yikuphi ukulimala komuntu siqu okudalwe yisisulu. Umthetho wesikweletu esibi uyaqala ukusebenza onikeza isisulu igunya lokuthola isinxephezelo ngokumelene nomonakalo noma ukulahlekelwa kulowo ohlukunyeziwe. Umonakalo nokulahlekelwa kulowo ohlukunyeziwe kungaba okuqondile noma okungaqondile. Imali engenayo eqondile ingaba ukulahlekelwa imali engenayo, impahla, noma izindleko zokwelashwa ngenxa yokulimala komuntu siqu.

Inani lesinxephezelo lincike esimweni ngasinye futhi lincike ezintweni ezilandelayo:

  • Iminyaka yesisulu
  • Ukulimala okudalwe kulowo ohlukunyeziwe
  • Ukuhlupheka kokuziphatha okubhekene nesisulu
  • Izindleko zokwelashwa ezitholwe yisisulu ukuze alulame ekulimaleni kwakhe
  • Imali etholwa isisulu kanye nezindleko zokunakekela umndeni wakhe

 

Ijaji linamandla okunquma inani lesinxephezelo ngaphansi kwekhodi yomphakathi ye-UAE ngemuva kokucabangela izici ezingenhla. Ngemuva kokuthi ijaji limemezele inani lesinxephezelo ngaphansi komthetho wezakhamuzi wase-UAE, uma noma yiliphi iqembu licabanga ukuthi isinxephezelo asinasizathu ngakho-ke linelungelo lokuphikisa isinqumo enkantolo yokudlulisa amacala.

Umfakisicelo angaba nombono wokuthi bangaba nelungelo lesinxephezelo esiphezulu futhi ijaji alizange lichaze ngokugcwele yonke into esinxephezelweni. Ngakolunye uhlangothi, ummangalelwa angacabanga ukuthi isinxephezelo esiyalwe yijaji asilungile futhi asilungile futhi abanacala noma kufanele baphoqeleke ukuba bakhokhe isinxephezelo esiphansi sokulimala komuntu siqu kumfakisicelo.

Ummeli Wokulimala Komuntu siqu e-UAE Angakusiza Kanjani Ukukutholela Isinxephezelo Esiphakeme?

Umthetho ungase udideke, futhi izinkantolo zingaba nzima ukuzulazula kulungu lomndeni noma ummeli ongenalwazi womuntu olimele. Kodwa uma ulimale emsebenzini noma engozini yemoto nasemgwaqweni, kufanele uzizwe uqiniseka ukuthi icala lakho lokulimala lizosingathwa ngokucophelela okukhulu ngummeli onolwazi olukhethekile emacaleni esinxephezelo sokulimala.

Ukukhetha ithimba lezomthetho elizokumela ecaleni lokulimala kuyisinqumo esibalulekile. Njengoba uzulazula emakethe yamahhala yezinsizakalo zezomthetho, kubalulekile ukwazi ukuthi imiphi imibuzo okufanele uyibuze nokuthi ungamkhethela kanjani ummeli ongcono kakhulu futhi ngaphezu kwalokho maningi amathuba okuthi uthole isinxephezelo esiphezulu uma unokumeleleka ngokomthetho ohlangothini lwakho. Ngisho noma uzizwa uqiniseka ukuthi ungazimelela izithakazelo zakho, iqiniso liwukuthi ngaphandle kosizo lommeli oqeqeshiwe nonolwazi, mancane amathuba okuba ukwazi ukuqinisekisa ukuthi ubulungisa buzokwenziwa ngendlela efanele.

Ifemu Yezomthetho Eyisipesheli Emacaleni Esimangalo Sokulimala e-Dubai, e-UAE

Siyinkampani yezomthetho eyisipesheli esisingatha ngokukhethekile noma yiziphi izimangalo zokulimala kanye nesinxephezelo ezimweni zezingozi zemoto noma zomsebenzi. Ifemu yethu ihamba phambili ebhizinisini, ngakho-ke uma ulimale kabi noma walimala engozini, maningi amathuba okuthi ufanelekele ukunxeshezelwa ngokulimala kwakho.

Amacala Okulimala Kwakho Angaba Inkimbinkimbi

Amacala okulimala komuntu awalokothi aqonde ngqo, futhi awekho amacala amabili afanayo. Ngakho-ke, ngaphandle uma unesikhathi, izinsiza, kanye nolwazi oluhle lwenqubo yezomthetho, lesi akusona isikhathi sokufunda amakhono owadingayo ukuze uzimele.

Ummeli okhethekile wokulimala komuntu uchitha iminyaka yokuzijwayeza futhi eze nolwazi olufundwe emacaleni adlule. Ummeli wakho uzoba nenethiwekhi yobungcweti kanye nolwazi lokusebenza nabanye abameli. Ngokuphambene nawe ungase ulimele futhi ukhathazeke ngekusasa lakho, uhileleke ngokomzwelo futhi uthukuthele futhi awunawo amakhono omthetho nenjongo yommeli oqeqeshiwe, futhi ungase ungabi nolwazi oluphelele lokuthi ungenza kanjani isimangalo sakho.

Uma isicelo sakho siphikisana nesibonelo senkampani enkulu yenkampani yomshwalense enkulu noma ifemu enkulu, uyazi ukuthi bazokwenza konke okusemandleni abo ukunciphisa isikweletu noma inani lesicelo. Bahlale bebiza abameli abakhulu bezibhamu ukuze baqinisekise ukuthi isinxephezelo sakho sincane ngangokunokwenzeka. Ukuqasha ummeli wakho wezingozi kulinganisa inkundla futhi kukunikeza ithuba elingcono kakhulu lesixazululo esihle kunalokho ongazuzwa ngokuzihambela wedwa.

Siyifemu yezomthetho yokulimala komuntu eyisipesheli futhi enolwazi

Ngo-1998, abasunguli bethu nabameli bethu abakhulu bathola igebe elikhulu emakethe futhi banquma ukuvula ihhovisi ukuze basebenze ngamacala okulimala komuntu siqu. Sasinabanye abasizi bezomthetho abathathu kuphela ababezobasiza baqale uhambo lwabo. Basebenze kusukela phansi futhi bakwazi ukuguqula ihhovisi labo lokuqala libe yifemu enkulu enezindawo eziningi (iDubai, i-Abu Dhabi, iFujairah neSharjah). Ifemu yethu yabameli bokulimala komuntu siqu manje isingesinye sezinkulu ezweni lonke futhi isingatha amakhulukhulu wamacala ezakhamuzi kuyo yonke i-UAE.

Sigxile ekusizeni ukuthi ubuyisele noma yisiphi isinxephezelo sezezimali okufanele usithole. Le mali ingakusiza ngokwezimali nganoma yiziphi izindlela zokwelapha noma izinqubo obekufanele uzenze ngemva kwengozi, kanye nokukhokhela noma imaphi amaholo alahlekile noma ukuhlupheka okungenzeka kukubangele.

Sihamba phambili emkhakheni wethu futhi sisingatha izinhlobo ezimbalwa zamacala obudedengu, njengokungaphathi kahle kwezokwelapha noma kwezomthetho, izingozi zezimoto, izingozi zendiza, ubudedengu bokunakekela izingane, amasudi okufa angalungile, phakathi kwezinye izigameko zobudedengu.

Sikhokhisa i-AED 1000 ngokubhalisa nathi kanye no-15% yenani elifunwayo ngemva kokuwina icala lombango (kuphela ngemva kokuthola imali). Xhumana nathi ukuze uqalise ngokushesha.

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