Ubulungu baseMalta Ngotyalo-mali: Indlela Eqondile Yokuhlala eYurophu Namathuba Ehlabathi

Ubulwelwe baseMalta ngokutyala imali UMalta, owaziwa ngokuba noqoqosho olomeleleyo, imeko-bume yezopolitiko ezinzileyo, kunye nomgangatho ophezulu wobomi, unikeza isango kwishishini laseYurophu, kwimfundo, kunye nokuhamba. Esi sikhokelo sichaza yonke into ekufuneka uyazi malunga nendlela esebenza ngayo inkqubo yobumi baseMalta, ngubani ofanelekileyo, zeziphi izibonelelo ezinikelwayo, nendlela yokuqalisa inkqubo ngolwalathiso lweengcali.

Ukuqonda ubuMasipala baseMalta Ngotyalo-mali

I- Ubulwelwe baseMalta ngokutyala imali lo mqathango uvumela abatyali mali abafanelekayo ukuba bafumane ubuzwe baseMalta ngokwenza igalelo kuphuhliso lwezoqoqosho lwelizwe. Ubulwelwe baseMalta ngokwenziwa ukuba ngummi ukuze ufumane iinkonzo ezizodwa ngokutyala imali ngqo (CES). Le ndlela ilawulwa nguMthetho woBumi baseMalta (Isiqendu 188) kunye neNqaku leMithetho 437 yowama-2020.

Urhulumente wazisa le nkqubo ukutsala utyalo-mali lwangaphandle ngelixa egcina imigangatho engqongqo yokujonga izinto ngendlela efanelekileyo kunye nemigangatho yokutyhila.

Izinto Ezisisiseko

Ukuze afumane ubumi ngokutshalwa kwezimali, abafakizicelo kufuneka:

• Yenza igalelo elifanelekileyo I-Malta yeZiko leSizwe loPhuhliso nezeNtlalo.
• Tyala imali izindlu nomhlaba- nokuba kuthengwe okanye kuqeshwe impahla ixesha elithile.
• Yenza umnikelo kumbutho oselungelweni eMalta.
• Ukugcina ukuhlala eMalta ubuncinane iinyanga ezili-12 okanye ezingama-36, kuxhomekeke kwindlela yotyalo-mali.

Isizathu Sokuba IMalta Itsalele Abatshalizimali Bomhlaba Wonke

UMalta akaboneleli nje ngepasipoti yaseYurophu, kodwa unikezela ngethemba kunye namathuba okuhlala ixesha elide.

Iingenelo zobumi baseMalta ngokuTyala imali

• Ubulwelwe obupheleleyo be-EU: Inkululeko yokuhlala, yokusebenza nokufunda kulo naliphi na ilizwe elingumalungu e-EU okanye eSchengen.
• Ukuhamba Ngaphandle KweVisa: Ukufikelela kumazwe angaphezu kwe-185 kuquka i-USA, i-UK ne-Canada.
• Ukwenza Imali NgempumeleloUMalta usebenza inkqubo yerhafu esekwe kwiirhafu, nto leyo eyenza ukuba abalimi behlabathi bafumane izibonelelo ezinkulu.
• Ubulwelwe obumbini: IMalta ivumela ukuba ube nobuzwe obumbini ngaphandle kokunyanzelisa abafakizicelo ukuba balahle ubuzwe obubambekayo.
• Ukhuseleko lwezizukulwanaUbulungu buhlala buhleli yaye bunokudluliselwa kwizizukulwana ezizayo.

Qaphela: Abatyali mali abaninzi batsala umdla kungekuphela nje kukuhamba kodwa nakuloo nkqubela phambili yomthetho noshishino uMalta awunikayo ngaphakathi kwe-EU.

Inkqubo Yenyathelo Ngenyathelo Yokufumana Ubuzwe baseMalta Ngotyalo-mali

Inkqubo yenzelwe ukuqinisekisa ukuhambelana kwabatyali mali nokhuseleko lwesizwe.

Inyathelo 1: Ukubonisana kokuqala

Abafakizicelo baqala ngearhente egunyazisiweyo okanye inkampani yengcebiso enje Iinkampani zeGlobalhenel, eyathi yaziwa ngokulawula iinkqubo zokufuduka ezinobutyebi obuphezulu.

Inyathelo 2: Isicelo sokuhlala

Ngaphambi kokuba babe ngabemi, abafakizicelo kufuneka baqale bafumane isigxina sokuhlala eMalta.

Inyathelo 3: Ukuhlolisisa Ngokucokisekileyo

UMalta usebenzisa enye yeenkqubo ezinzima kakhulu zokuhlola izinto ezifanelekileyo eYurophu.

Inyathelo 4: Utyalo-mali kunye neZibonelelo

Kuxhomekeka kwindlela ekhethiweyo:

• I-600 000 ye-euro (kwiinyanga ezingama-36 zokuhlala)
• I-750 000 ye-euro (kwiinyanga ezili-12 zokuhlala)
• Ukuthengwa kwezindlu nge- € 700 000 okanye Iirenti zeminyaka eyi-16.000
• Umnikelo we-10 000 EUR kwi-NGO ebhalisiweyo okanye kwiziko lenkcubeko

Inyathelo 5: Ukuvuma Ukuba Ngummi Nokunyaniseka

Emva kokuba bevunyiwe, umenzi-sicelo namalungu entsapho afanelekileyo baya kumsitho osemthethweni eMalta ukuze bathathe Isifungo Sokunyaniseka kwaye bafumane ubumi baseMalta ngokupheleleyo.

Iinketho Zokutshintsha Iinketho Zokutshintsha

Uhlobo lotyalo-mali	Ubuncinane	Ixesha	Inkcazo
Igalelo eliNgqalileyo	€600,000-€750,000	Ukuhlala nje kube kanye	Ihlawulwe kwiNgxowa-mali yoPhuhliso lweZizwe nezeNtlalo
Iindawo eziThengiswayo	Ukuthenga nge- € 700 000 okanye irente yonyaka eyi- € 16 000	Iminyaka emihlanu	Thenga okanye uqeshe impahla eMalta
Umnikelo	€10,000	Ukuhlala nje kube kanye	Ukunikela kwimibutho yemveli, yenzululwazi okanye encedisayo

Qaphela: Abafakizicelo kufuneka bagcine utyalo-mali ubuncinane iminyaka emi-5 kwaye bagcine isikhundla esihle ngexesha lokuhlala.

Imfuneko Yokuhlala Ecaciswe

Kukho iindlela ezimbini kuxhomekeka kubude bexesha lokuhlala ngaphambi kokuba ufake isicelo sobumi:

• Indlela eqhelekileyo (iinyanga ezingama-36): Isidingo esisezantsi sokutyala imali ngama-600 000 e-euro.
• Indlela ekhawulezayo (iinyanga ezili-12): Ukwanda kweendleko zokutyala imali ezingama-750,000 ukuze abantu babe ngabemi ngokukhawuleza.

Zombini iindlela zifuna ukugcina ukuhlala ngokwenyani eMalta nokuzibandakanya noluntu lwasekuhlaleni ngokubandakanyeka kweshishini okanye kwezentlalo.

Iingenelo Zendawo Ezingagungqiyo Neendlela Zokuphila

IMalta idibanisa ubuhle beMeditera nolwakhiwo lwaseYurophu.

Iindawo eziphambili zokutyala imali

• I-Sliema: Zithandwa kakhulu kwizakhiwo zexabiso eliphezulu kufuphi nolwandle.
• I-Valletta: Isixeko esilikomkhulu elinamalifa enkcubeko kunye nokusondela kwezobupolitika.
• I-St. Julian: Kunconywa ngabantu abaqhuba amashishini kunye nabaphambukeli.
• I-Gozo: Ilungele ukutyala imali kwizindlu ezikude.

Abatyali mali abaninzi bakhetha iipropati ezihambelana neenjongo zabo zokuphila kunye neendlela zabo zokutyala imali.

Amava ethu ekusebenzisaneni nabatyali mali abafuna ubumi baseMalta

Indlela Abatyali-mali BaseAsia NaseMbindi Mpuma Abasondela Ngayo Kule Nxalenye

Kwiminyaka emibini edluleyo, Iinkampani zeGlobalhenel Ukuqala kwe-Asian Business and Middle East (i-Asia) kunye ne-Middle East (i-Middle East) Ubulwelwe baseMalta ngokutyala imali Emva kokuba bebandakanyekile kwiqela lethu, sachaza onke amanyathelo enkqubo kunye neemali ngokucacileyo. Uninzi lwaqonda ukuba inkqubo ayingekho njengoburhulumenteni njengoko lwalusoyika. Emva kokufumana isigxina sokuhlala kunye nokugqiba igalelo labo, babonakalisa ulwaneliseko ngenkqubo ecacileyo neyenziwe kakuhle eMalta.

Olu hlobo lokuzibandakanya lokwenene luyakha ukuzithemba kwaye lubonisa ukuba kulula ukusebenza ngeendlela ezinamava kunokuba uhambe kwinkqubo yedwa.

IMalta vs. Ezinye Iinkqubo Zobumi ZaseYurophu

Ilizwe	Ubuncinane beMali	Imfuneko yokuhlala	Ixesha lokuSebenza	Ubulwelwe be-EU
IMalta	€600,000-€750,000	Iinyanga ezili-12 ukuya kwezili-36	Iinyanga ezili-12 ukuya kwezili-36	Ewe
IPortugal	€500,000 (ipropati)	Iminyaka emihlanu	Iminyaka emi-5-6	Ewe
IGrisi	€250,000 (ipropati)	Iminyaka esixhenxe	Iminyaka esixhenxe	Ewe
ISipro	Inkqubo Isuswe	N/A	N/A	N/A

Qaphela: UMalta usenguwo kuphela ilizwe lase-EU elinika ubumi ngokuthe ngqo ngokwenza utyalo-mali ngexesha elifutshane phantsi kwemithetho engqongqo yokuhambelana.

Iimfuneko eziqhelekileyo zokufaneleka

Abafakizicelo kufuneka bahlangabezane nemigangatho eliqela:

• Ukuba uneminyaka eli-18 okanye ngaphezulu.
• Iinkcukacha zobugebengu ezicocekileyo.
• Uzinzo lwezemali oluqinisekisiweyo kunye nomthombo osemthethweni weemali.
• Iinshorensi zempilo ezibandakanya onke amazwe e-EU.
• Injongo yokwenene yokugcina unxibelelwano neMalta.

Amalungu entsapho afana neqabane lomtshato, abantwana abaxhomekeke kulo, nabazali banokufakwa ukuba bayahlangabezana neemeko zokuncama.

Ixesha kunye neNkcazo yeNkqubo

1. Inyanga 1-2: Isicelo sokuhlala kunye nokuqokelelwa kwamaxwebhu.
2. Inyanga 3-6: Ukugcina ingqwalasela kunye nokuvunywa ngokomgaqo.
3. Inyanga 7-12 okanye 36: Ixesha lokugcina indawo yokuhlala.
4. Inyanga 13-14 okanye 37-38Utyikityo lokuvuma ukuba ngummi kunye nomsitho wokufungela.

Ubude bexesha elipheleleyo buxhomekeke kwindlela yokutshalwa kwemali ekhethiweyo.

Amaxwebhu Afunekayo Ngokuqhelekileyo

• Ipaspoti nesatifikethi sokuzalwa.
• Ubungqina bokuba usekhaya.
• Iinkcukacha zebhanki kunye nemithombo yeengxelo zobutyebi.
• Umqulu weengxelo zolwaphulo-mthetho.
• Isiqinisekiso se-inshorensi yezempilo.
• Iirekhodi zokuqinisekiswa kotyalo-mali.

Qaphela: Ukusebenza nomcebisi ogunyazisiweyo kuqinisekisa ukuhambelana kwamaxwebhu neemfuno zeMalta Agency for Citizenship.

Ukucaca Kwezemali Nokulawulwa KoRhulumente

Urhulumente waseMalta ugcina ukucaca okuphezulu.I-National Development and Social Fund ihlolwe kwaye inegalelo kwiiprojekthi zesizwe ezifana nemfundo, ukhathalelo lwempilo, nolwakhiwo.

Oku kunika isiqinisekiso semilinganiselo yokuziphatha kunye nokubonakala kubathengisi ukuba imali yabo ixhasa impembelelo ebalulekileyo kwezentlalo.

Iingenelo zerhafu nezoshishino emva kokuba ube ngummi

Emva kokufumana Ubulwelwe baseMalta ngokutyala imali, abantu bafumana iingenelo ezifanelekileyo zamatyala:

• Akukho rhafu yengeniso yehlabathi ngaphandle kokuba ithunyelwe eMalta.
• Akukho ntlawulo yelifa okanye yerhafu.
• Izivumelwano zotyalo-mali olungaphaya kwama-70 amazwe.
• Ukufikelela kwiinkqubo zezemali nezoshishino ze-EU.

Olu lwakhiwo luyakhanga ngokukodwa kubanini bamashishini abalawula utyalo-mali oludlulayo.

Ukukhetha Inkampani Esebenzisa Amacebiso

Kuba urhulumente waseMalta uvumela kuphela iiarhente ezinamalayisensi Ukufaka izicelo, kubalulekile ukuba ube ngumlingane nequmrhu eliziwayo.

• Uhlolisiso lokufaneleka.
• Ulwazi lobugcisa nolwemali.
• Ukucwangciswa kwesicelo sokuhlala.
• Inkxaso yokuthengwa kwezindlu.
• Uxwebhu lobumi kunye nokuququzelela umsitho.

Qaphela: Ukusebenza ngenye indlela egunyazisiweyo kukukhusela kulwazi olubi yaye kuqinisekisa ukuthobela imigaqo-siseko esemthethweni.

Imibuzo Eqhelekileyo Ngobumi baseMalta Ngotyalo-mali

1. Kuthatha ixesha elingakanani ukufumana ubumi baseMalta ngokutyala imali?

Phakathi kweenyanga ezili-12 ukuya kwezili-36 kuxhomekeke kwiinketho zakho zotyalo-mali.

2. Ngaba ndinokufaka intsapho yam kwisicelo?

Ewe, unokuquka iqabane lakho, abantwana bakho, nabazali bakho.

3. Yintoni eyona mali incinane efunekayo?

Igalelo elithintelayo le-600 000 ye-euro kunye neemfuno zempahla ezongezelelweyo kunye neminikelo.

4. Ngaba ubuzwe baseMalta buhlala buhleli?

Ewe, lunikwa ubomi bonke yaye lunokudluliselwa kwizizukulwana ezizayo.

5. Ngaba le nkqubo iyimfihlo?

Ewe, abasemagunyeni baseMalta bagcina imfihlelo engqongqo kuwo onke amanqanaba.

6. Ngaba ndingandwendwela okanye ndihlale kwamanye amazwe e-EU emva kokuba ndifumene ubumi baseMalta?

Ewe, njengommi we-EU, ukhululekile ukuhlala, ukufunda nokusebenza nakweyiphi na ilizwe elingumalungu e-EU.

Ukuqhubela Phambili Ngokufumana Ubumi baseMalta Ngotyalo-mali

Ukufaka isicelo Ubulwelwe baseMalta ngokutyala imali ukuba ufuna ukuhamba okungcono, ukufikelela kwimarike ye-EU, okanye ukhuseleko lwentsapho lwexesha elide, le nkqubo inika indlela enobulungisa nefanelekileyo.

Iinkampani zeGlobalhenel iqela lethu linceda kuwo onke amanqanaba ukusuka kuvavanyo lokufaneleka ukuya kukhetho lwepropathi kunye nomsitho wokugqibela wobumi.

Fumanisa Iinkampani zeGlobalhenel namhlanje ukuze uqale uhambo lwakho lokuba ngummi waseMalta kunye nolwalathiso lwengcali kunye nenkxaso epheleleyo yokuhambelana.