Ukuhlala eLuxembourg ngenkqubo yotyalo-mali

I-Luxembourg Residence Through Investment Program: I-Europe yeMali yeMali ivula iingcango zayo kubatyali mali behlabathi

I-Luxembourg kudala iyithetha ukulawulwa kobutyebi, uzinzo lwezepolitiki kunye nezemali zamazwe ngamazwe. Ukuhlala eLuxembourg ngenkqubo yotyalo-mali. Olu hlelo luyenzelwe abatyali mali, oosomashishini kunye neentsapho ezifuna ukuhlala eYurophu ngokutyala imali ngokusemthethweni, lunikeza enye yeendlela zokuphumla ezikhuselekileyo nezithandwayo ngaphakathi kweYurophu.

Njengoko uhlaziyo lwe-2025 luqalisa, umgaqo-nkqubo weLuxembourg wokuhlala ngokutshalwa kwezimali uzimise njengenye yeendlela eziphambili zokufumana iinkqubo ezinenkuthazo ePortugal okanye eMalta, ukudibanisa ukufikelela kwiinzuzo ze-EU kunye nolunye lwezoqoqosho oluzinzileyo ehlabathini.

Isizathu Sokuba ILuxembourg Ibe Ngumtsalane Omtsha Wabaxhasi

ILuxembourg incinane ngobukhulu kodwa inempembelelo enkulu kwezoqoqosho, ikhaya kumaziko amakhulu e-EU, amawaka eenkampani zemali, kunye namanqanaba aphezulu e-GDP per capita ehlabathini.

Kwiminyaka yakutshanje, abatyali mali baye baqala ukunikela ingqalelo engakumbi kwiinketho zokuhlala zelizwe ngenxa yeendlela ezintathu eziphambili:

• Ukunyuka kwemida kwiinkqubo zaseMzantsi Yurophu.
• Ukuphakama kwemfuno yehlabathi yokungena kwe-EU kunye nokuthuthwa kweentsapho.
• I-Luxembourg ukuthembeka njengesiseko semali esikhuselekileyo neside.

Iingenelo eziphambili zokuhlala eLuxembourg ngenkqubo yotyalo-mali:

• Amalungelo okuhamba apheleleyo e-EU neSchengen.
• Uzinzo lwezomthetho nokukhuselwa ngokuqinileyo kobutyebi bobuqu.
• Ukunconywa okuphantsi kwerhafu yequmrhu labatshalizimali.
• Ukufikelela kwimfundo ephezulu, kwiinkonzo zempilo, nakwimithetho yezemali.
• Indawo yaseYurophu eseMntla enokufikelela ngqo eBrussels, eParis naseFrankfurt.

Qaphela: ILuxembourg ayisiyondawo yerhafu.Yindawo elawulwayo, ebonakalayo neyahambelana ne-EU; nto leyo eyenza ibe yinto efanelekileyo kubatyali mali abaxabisa igama kunye nokuthobela ngokulinganayo.

Ulwakhiwo lwe Luxembourg Residence Through Investment Program

Inkqubo inikezela ngeendlela ezahlukeneyo zotyalo-mali ukuze zilungelelaniswe neeprofayili ezahlukeneyo zabathengisi.

Iindidi zeZinto eziVunyiweyo

1. Indlela Yotyalo-mali LwamaShishini

• Ubuncinane bentshintsho: €500,000 kwinkampani esele ikhona eLuxembourg.
• Le nkampani kufuneka iqeshe abemi abahlanu basekuhlaleni kwiminyaka emithathu ezayo.
• Okanye, €500,000 inokutshalwa imali ekumiseni inkampani entsha.

2. Indlela yeNgxowa-mali yoTyalo-mali

• Ubuncinane bentshintsho: 3 yezigidi ze-euro kwiziko lotyalo-mali laseLuxembourg elivunywe yi-Commission de Surveillance du Secteur Financier (CSSF).
• Yenzelwe abatyali mali abanamava nabaphathi bezabelo.

3. Iasethi Yobuqu okanye Indlela Yokufaka Idiphozithi

• Ubuncinane ubuncwane I-20 yezigidi ze-euro kwiziko lezemali eliseLuxembourg.
• Iimali kufuneka zihlale iminyaka emihlanu ubuncinane.

Zonke ezi ndlela zivula indlela yokufumana imvume yokuhlala ehlaziyekayo kumtyali mali namalungu entsapho yakhe.

Injongo yezoqoqosho neyocwangciso lwenkqubo

Ngokungafaniyo neenkqubo zokuhlala kwimarike enkulu, imodeli yaseLuxembourg igxile ekutsaleni abatyali mali abakumgangatho ophezulu abazisa imali kunye nokuthembeka.

I- Ukuhlala eLuxembourg ngenkqubo yotyalo-mali ukuqinisa inkqubo yelizwe yokwenziwa kwezinto ezintsha ngelixa igcina igama layo eliphambili.

Ngokutsho kwedatha yakutshanje evela kwi-Luxembourg Ministry of Economy:

• Ngaphezulu kwe-1.2 yezigidigidi ze-euro kwiimali ezintsha zangaphandle zabhalwa phantsi kweendlela zokufuduka kotyalo-mali ngo-2024.
• Uninzi lwemali yayisetyenziswa kwifintech, kumandla aluhlaza nakwimimandla ephuculweyo.
• Urhulumente ujonge ukutsala abatyali mali abambalwa kodwa abanempembelelo ngakumbi kunokufumana izicelo ezininzi.

Qaphela: Lo mda weqhinga ugcina ingqibelelo yenkqubo kunye nebhaso lomthengisi; isizathu esiphambili sokuba imvume yokuhlala yaseLuxembourg ibonwa njengenye yezona zinomdla kakhulu kwi-EU.

Ukuhlala ELuxembourg: Uzinzo, Isigxina Namathuba

ILuxembourg idibanisa umtsalane wekapital yaseYurophu encinane kunye nobukrelekrele besikhungo seshishini sehlabathi.

Iimbalasane Zendlela Yokuphila:

• Ibekwe phakathi kwamazwe amahlanu akhuselekileyo ehlabathini.
• Uluntu oluthetha iilwimi ezininzi (isiLuxembourg, isiFrentshi, isiJamani, isiNgesi).
• Umgangatho ophezulu wokuphila yaye yenye yeenkqubo zemfundo karhulumente ezilungileyo eYurophu.
• Ukunconywa kwentela kubantu abanexabiso eliphezulu lokuhlala abafudukela kwamanye amazwe phantsi kweenkqubo ezithile.

Iinkalo zezezimali nezobuchwephesha zaseLuxembourg ziqhubeka zanda, zenza amathuba abatyali mali abahlala kulo ukuba bathathe inxaxheba kumashishini akhula ngokukhawuleza.

Iinkampani zeGlobalhenel Partners Ukuqonda kwentsimi kwiindlela zotyalo-mali

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Ukutshintshela kwiiNdawo Zokuthengisa Ezingekho Mthethweni

Ngowe-2023, i-68% yabafakizicelo abahlala kwamanye amazwe e-EU bakhethe ipropathi yokuthengiswa kwempahla njengotyalo-mali lwabo oluphambili. iindlela zotyalo-mali nezoshishino.

Umzekelo Ovela Kwiphothifoliyo Yethu Yabathengi

Umxhasi obalaseleyo waseMzantsi Korea wacela iGlobalhenel Partners emva kokujongana neengxaki zezinye iinkqubo zaseYurophu.

Iqela lethu lasebenza neziko lezemali elibhaliswe kwiCSSF ukuze libeke imali ye-euro ezingama-3.2 yezigidi.

Qaphela: Inkqubo yaseLuxembourg ilungele abatyali mali abafuna ukufuduka ngokuthobela umthetho, ngokukhuselekileyo nangokungacingi nto ngaphandle kokuthengwa kwepropati.

Inkqubo Yokufaka Isicelo Inyathelo Ngenyathelo

I- Ukuhlala eLuxembourg ngenkqubo yotyalo-mali kulandela inkqubo echazwe kakuhle necacileyo.

1.Ukuvavanywa kokulungela

Umfaki sicelo ufumana uhlolo lokuhlolwa ngokufanelekileyo oluqinisekisa umthombo wobutyebi, imvelaphi, kunye nenjongo yotyalo-mali.

2. Ukuzibophelela kutyalo-mali

Iimali zidluliselwa okanye zibophelelwe kwelinye lamagumbi avunyiweyo – ishishini, isiseko, okanye idipozithi.

3. Ukulungiselela amaxwebhu

Abafakizicelo bafaka:

• Ipaspoti esebenzayo kunye neefoto.
• Ubungqina bokuba unembali yolwaphulo-mthetho.
• Ileta yebhange kunye nesiqinisekiso sesityala.
• Ubungqina bokuba uhlala eLuxembourg (isivumelwano sokuqeshisa okanye sokuthenga).

4. Ukuziswa kwiSebe lezeMicimbi yangaphandle

Zonke izicelo ziqwalaselwa yi- I-Directorate of Immigration, kunye nengeniso evela kulawulo lwezoqoqosho kutyalo-mali olusekwe kwiimali.

5. Ukuvunywa kweMvume yokuHlala

Abafakizicelo abaphumeleleyo bafumana imvume yokuhlala enokuvuselelwa isebenza iminyaka emi-3, enokwandiswa ngokusekelwe kutyalo-mali oluqhubekayo.

Ixesha lokuqhubekeka: Iinyanga ezi-2 ukuya kwezi-3.

Isakhelo seRhafu kunye neZibonelelo zezeMali

Ulwakhiwo lwentlawulo yaseLuxembourg luvuyisa ukuhambelana nokutshalwa kwezimali ngendlela eyimfuneko.

Iinkcukacha Ezingakumbi Zentlawulo:

• Irhafu yeenkampani: 24.94%, kunye nokuncitshiswa kweeprojekthi ze-R & D kunye neeprojekthi eziluhlaza.
• Akukho rhafu yengeniso okanye yengeniso yamalungu entsapho.
• Inethiwekhi ebanzi yeemvumelwano zotyalo-mali oluninzi.
• Izabelo ezingenayo irhafu phantsi kokukhululwa kweshishini labathengisi abafanelekileyo.

Kuba batyali mali abasebenzisa iLuxembourg njengesiseko sokubamba okanye sokulawula iiasethi, ezi zakhiwo zinika izibonelelo ezinkulu ngaphakathi kokutyhilwa ngokupheleleyo kwe-EU.

Iindawo Ezingagungqiyo Nezoqoqosho

Nangona ipropati ingeyona nto iphambili kule nkqubo, abatyali mali abaninzi basakhetha ukuthenga ipropati kwisiXeko saseLuxembourg nakwiindawo ezikufutshane naso.

Iinkcukacha zemarike (2025):

• Ixabiso eliphakathi lepropati nganye kumitha wesikwere: €8,500.
• Unyaka ngamnye: 5%.
• Inzuzo ephezulu yokuqeshisa kufuphi neKirchberg neCloche d'Or.

Qaphela: Umhlaba omncinci uqinisekisa ukukhula kwemali yexesha elide.

Ukuthelekisa nezinye iinkqubo zokuhlala ze-EU

Isantya kunye nenqanaba lokuhambelana neLuxembourg liyenza ibe kwicandelo eliyodwa – ukhetho lwe-EU olungaphezulu ngaphandle kokurhweba ngokugqithisileyo.

Imiceli-mngeni Nezinto Ezikhoyo Kubafakizicelo

Ngoxa Ukuhlala eLuxembourg ngenkqubo yotyalo-mali iyasebenza, ayingomntu nje.

Imiceli-mngeni Emikhulu:

• Ubungqina bobukho bemali buyimfuneko.
• Iimali ezihlawulwayo zezicelo kunye neendleko zomthetho ziphezulu kuneenkqubo ezisezantsi.
• Kufuneka kulawulwe utyalo-mali olusebenzayo, ingakumbi kumzila weshishini okanye wemali.

Qaphela: Ezi mfuno zikhusela ukuthembeka nokungafaniyo kwemigaqo-nkqubo yokuhlala yaseLuxembourg, ziqinisekisa ukuba kuphela abatyali mali abanobulungisa obuphezulu bayamkeliswa.

Isifundo seMeko: Oosomashishini Abasebenzisa iLuxembourg Njengesiseko Esisemagqabini

Iqela labasomashishini abavela kwi-United Arab Emirates laya kwi-Globalhenel Partners ngo-2024 ukuze lihlolisise ukwanda kwe-EU. € 600,000 Ukuqalisa kwe-technology ye-logistics.

Kwiinyanga ezintlanu, bafumana imvume yokuhlala, iiakhawunti zebhanki, kunye nobudlelwane basekuhlaleni.

Amava abo aqinisekisa ukuba ukhetho lokuhlala eLuxembourg luye lwaba yinto efanelekileyo isixhobo sokuhamba kwamashishini, hayi nje isicwangciso sokufuduka.

Indlela Abaxhasi beGlobalhenel Abanceda Ngayo Abatyali-mali

Iinkampani zeGlobalhenel inkxaso yabafakizicelo kuwo onke amanyathelo Ukuhlala eLuxembourg ngenkqubo yotyalo-maliAbacebisi bethu abaziingcali basebenzisana nabaphathi beengxowa-mali abanelayisensi, iingcali ezisemthethweni, nabameli bakarhulumente basekuhlaleni ukuze baqinisekise ukuvunywa kakuhle.

Iinkonzo Zethu Zibandakanya:

• Uhlolisiso lokufaneleka kunye nokucwangciswa kwotyalo-mali.
• Uxwebhu olusemthethweni kunye nokufakwa kwesicelo.
• Ukudibanisa namaziko emali avunyiweyo yiCSSF.
• Inkxaso yokukhutshwa kweekhadi zokuhlala kunye nokuthuthwa emva kokwamkelwa.

Amava ethu kunye nabathengi abaxabisekileyo abavela kumazwe angaphezu kwama-40 asenze sakwazi ukwenza lula iinkqubo eziyinkimbinkimbi ze-EU zibe ziziphumo eziqikelelweyo.

Qaphela: Abatyali mali abasebenza nabacebisi abaziingcali bafumana iziphumo ezingxamisekileyo, imibuzo encinane yokuhambelana nemithetho, kunye nexabiso elikhulu lotyalo-mali.

Imibuzo Ebuzwayo Ngokufuthi

1. Yintoni eyona nto iphantsi kwexabiso lokutyala imali ukuze uhlale eLuxembourg?

Ubuncinane bentengiso buqala kuma-500,000 e-euro kutyalo-mali lwamashishini okanye kuma-3 million e-euro ekutyalweni kwemali.

2. Ngaba ndinokuyifaka intsapho yam kweso sicelo?

Ewe, amaqabane nabantwana abaxhomekeke kuwo banelungelo lokuhlala phantsi kolona tyalo-mali.

3. Ixesha elihlala ixesha elingakanani imvume yokuhlala?

Imvume yokuhlala yokuqala isebenza iminyaka emithathu kwaye inokuvuselelwa logama nje utyalo-mali lusasebenza.

4. Ngaba imvume yokuhlala inokuvelisa ubumi be-EU?

Ewe, emva kweminyaka emihlanu yokuhlala ngokusemthethweni, abafakizicelo banokufanelekela ukuhlala ngokusisigxina, kwaye emva kweminyaka elishumi, ubuzwe bunokwenzeka phantsi komthetho we-EU.

5. Ngaba ndimele ndihlale eLuxembourg?

Hayi. Abafakizicelo kulindeleke ukuba bagcine ubudlelwane baze batyelele rhoqo kodwa akufuneki bahlale ngokusisigxina.

6. Ziziphi izintela eziphambili ezixhomekeke kubatyali mali?

Irhafu yequmrhu kwi-24,94%, kunye nokukhululwa kwezibonelelo ezifanelekileyo kunye notyalo-mali.

7. Ngaba imvume yokuhlala yaseLuxembourg iyaziwa kulo lonke elase-EU?

Ewe, njengelungu le-EU, abanini-mvume yokuhlala baseLuxembourg banokuhamba ngokupheleleyo eSchengen.

Qalisa uhambo lwakho lokutyala imali eLuxembourg namaqabane eGlobalhenel

I- Ukuhlala eLuxembourg ngenkqubo yotyalo-mali ichaza enye yeendlela ezinokuthenjwa nezidumileyo zokuhlala eYurophu.

Ukuba uxabisa ukuthembeka, ukukwazi ukuzikhethela nokufikelela kwikapitali yezimali yaseYurophu, Iinkampani zeGlobalhenel iqela lethu liza kukukhokela kuwo onke amanyathelo, liqinisekise ukuba utyalo-mali lwakho alukhuselanga nje ukuhlala kodwa lukhula ngexabiso.

Nxibelelana ne-Globalhenel Partners namhlanje ukuqala isicelo sakho sokuhlala eLuxembourg ngenkxaso yamava kunye nokucaca okuqinisekisiweyo kokuthobela.