Indawo yokuhlala yaseMauritius Ngokusebenzisa Inkqubo Yotyalo-mali: Isango loLwandlekazi lwaseIndiya s Gateway for Global Investors

Kwiminyaka yakutshanje, Indawo yokuhlala yaseMauritius ngenkqubo yotyalo-mali iye yavela njengenye yeendlela zokuhlala ezinomtsalane nezityhilayo kubatyali mali behlabathi abafuna uzinzo, ukusebenza kakuhle kweerhafu, nokufikelela kuqoqosho olunempumelelo lwesiqithi.

Eyaziwa ngokuba nolawulo olomeleleyo, inkcubeko enamazwe amabini, kunye nendawo yayo engundoqo phakathi kweAsia neAfrika, iMauritius ngoku ime njengebhulorho phakathi kwamazwekazi; inikezela ukuhlala ngokufaka igalelo lezoqoqosho kunokuza kwemali.

Ukususela ngo-2025, iMauritius iye yahlaziya imigaqo yayo yokuhlala ngokotyalo-mali, yazibeka njenge ukhetho oluphambili kumashishini, abahamba ngeendlela zedijithali, kunye nabathandekayo Ukufuna ukhuseleko nokuhamba kwehlabathi kwisiqithi esiyiparadesi esinemali eyomeleleyo.

Isizathu Sokuba Abatyali-mali Bakhethe IMauritius Ukuze Bahlale

IMoritius idibanisa umtsalane weendawo ezishushu nolwakhiwo olusezingeni lehlabathi.

Izizathu Ezona Zibalulekileyo Zokutyala Imali Kwiindawo Zokuhlala:

• Ukufikelela kwelinye lawona macandelo aphucukileyo eAfrika.
• Inkqubo yerhafu enokuthenjwa engenayo ingeniso okanye irhafu yelifa.
• Iimvume zokuhlala ezinokuvuselelwa iminyaka engama-20.
• Amalungelo obunikazi akhuselwe ngumthetho oqhelekileyo waseBritani.
• Ukudibana okungenazingxaki neAfrika, iYurophu neAsia.

Qaphela: Ngokungafaniyo neenkundla ezininzi ezingaselunxwemeni, iMauritius ihambelana ngokupheleleyo nemigangatho ye-OECD, FATF, kunye nemigangatho ye-EU yokutyhilwa kwemali, nto leyo eyenza ibe lukhetho oluthembekileyo lokuhlala ixesha elide kunye notyalo-mali.

Ulwakhiwo lweMvume yokuhlala eMauritius Ngokusebenzisa Inkqubo yoTyalo-mali

Le nkqubo ilawulwa yi- IBhodi yoPhuhliso loLuntu (i-EDB) I-Mauritius inika imvume yokuhlala kubemi basemzini abafanelekayo abatyala imali kuqoqosho, kwipropathi okanye ekwakheni imisebenzi yelizwe.

Abafakizicelo banokukhetha iindlela ezininzi, nganye inika ukulungelelaniswa ngokuxhomekeka kwiinjongo zabo zemali nemvelaphi yabo yobuchule.

Iindlela Zokutyala Imali

1. Indlela Yotyalo-mali Lwezindlu

Ubuncinane bentshintsho: I-USD 375 000 kwiprojekthi yepropathi ekhutshwe ngurhulumente phantsi kweenkqubo ezifana nezi:

• Inkqubo yoPhuhliso lwePropathi (PDS)
• Inkqubo ye-Real Estate (RES)
• Inkqubo yeendawo zokuhlala ezihlanganisiweyo (IRS)
• Abatyali mali bafumana imvume yokuhlala isigxina Ixesha elifanelekileyo lihlala lihlala ixesha elide.

2. Ukutshalwa kwezimali kwezorhwebo okanye kwezorhwebo

• Ubuncinane bentshintsho: I-50,000 USD kwicandelo elitsha okanye elikhoyo kumacandelo avunyiweyo (i-ICT, ezokhenketho, ezokuvelisa, amandla aluhlaza, ezezimali, njl.).
• Inkampani kufuneka ivelise ingeniso yonyaka ubuncinane I-MUR 4 yezigidi (malunga ne-USD 85,000).

3. Indlela Yobungcali

• Abaqeqeshiweyo abaqeshwe eMoritius kunye nomvuzo ophantsi wenyanga I-60.000 (malunga ne-USD 1,300).
• Ukufumana imvume yokuhlala iminyaka eli-10

4. Umendo ongengommi osemhlalaphantsi

• Kubantu abaneminyaka engama-50 nangaphezulu.
• Kufuneka ubuncinane bagqithise I-1 500 USD ngenyanga kwiakhawunti yebhanki yendawo.
• Ukufumana imvume yokuhlala iminyaka eli-10 enokuvuselelwa.

Uhlaziyo kunye nohlaziyo lwenkqubo ka-2025

IMauritius ihlaziye Isakhelo seMali kunye neNgeniso ngo-2025 ukuze kusetyenziswe izicelo ezilungelelanisiweyo nokutsalela abatyali mali abakumgangatho ophezulu ngelixa kukhuthazwa ubume.

Uhlaziyo olukhuthazayo:

• Ukuqaliswa kokucwangciswa kwezicelo zedijithali nge-EDB portal.
• Imithetho elula yokufakwa kwentsapho phantsi kotyalo-mali olunye.
• Ukwandiswa kwamacandelo afanelekileyo kutyalo-mali lwamashishini.
• Imithetho ebhetele yebhanki yokungena kwemali kumazwe ngamazwe.

Ezi zihlaziyo zenza Indawo yokuhlala yaseMauritius ngenkqubo yotyalo-mali ukuba zisebenza kakuhle kwaye zilungele ukutyunjwa xa kuthelekiswa neenguqulelo zangaphambili.

Iingenelo zokuhlala eMauritius ngokutshalwa kwezimali

IMauritius inika okungaphezulu kwekhadi lokuhlala – inika iqonga lokuhlala kunye nokwandiswa kweshishini kwihlabathi liphela.

Iinzuzo eziphambili:

• Ukuhlala ixesha elide ukuya kwiminyaka engama-20, enokuvuselelwa.
• Ukufikelela kwizivumelwano zokurhafisa kabini namazwe angaphezu kwama-40.
• Ilungelo lokuba ngumnini wepropathi phantsi kwegunya lokuzimela.
• Ukwakhiwa kwentsapho (iqabane lomtshato, abantwana, nabantu abaxhomekeke kulo).
• Indawo ekhuselekileyo nenzileyo enoncedo lwezempilo nolwazi oluhle.

Qaphela: Kubaqeshi, ukuhlala kuvula nokufikelela kwimimandla yorhwebo yengingqi efana ne-COMESA, i-SADC, kunye ne-African Continental Free Trade Area.

Iingenelo Zokwezoqoqosho NezoBomi

IMoritius yaziwa ngokudibanisa impumelelo kwezoqoqosho nomgangatho ophezulu wobomi.

Iimbalasane Zokonga:

• Ubukhulu be-GDP buqikelelwa ukuba buza kukhula nge-5.2% ngo-2025.
• Iinkonzo zezezimali zenza ngaphezu kwama-20% e-GDP yesizwe.
• Ubukho obomeleleyo beenkampani ezininzi kwi-fintech, kwiibhanki, nakwimveliso yezokuthutha.

Iimpawu Zendlela Yokuphila:

• IsiNgesi nesiFrentshi njengeelwimi ezisemthethweni.
• Izikolo neeyunivesithi zamazwe ngamazwe ezibalaseleyo.
• Imozulu etshisayo enobomi bangaphandle unyaka wonke.
• Ukhuseleko oluphezulu kunye noluntu oluneenkcubeko ezininzi.

IMauritius inika intuthuzelo kunye namathuba – indibaniselwano engaqhelekanga ngakumbi kubatyali mali behlabathi.

Globalhenel Partners Ukuqonda Ukuziphatha Kwabatyali-mali

Ukufuna Okukhulayo KweAsia, EYurophu NaseAfrika

Phakathi kuka-2023 no-2025, Iinkampani zeGlobalhenel U-Mauritius wafumana i-surge kwi-residency-by-investment inquiries, ingakumbi evela kwiingcali zase China, eMzantsi Afrika naseFransi.

Uninzi lwabafakizicelo luye lwafuna ukulinganisa phakathi ukuguquguquka kweshishini kunye neenzuzo zendlela yokuphilaIMauritius yanikela zombini, kunye nokucaca komthetho kunye nobuncinane boburhulumenteni.

Umzekelo Wabaxumi Bethu Abamsandul' Ukufika

Umrhwebi waseFransi wanxibelelana neGlobalhenel Partners ekuqaleni kuka-2024 efuna ukufudusa inkampani yakhe yokuthengisa nge-digital ukuya kwilizwe elithetha isiNgesi elinemirhumo ephantsi.

Emva kokujonga iindawo ezininzi, iingcali zethu zenza isincomo seMauritius. Utyalomali lweshishini olungama-USD 60.000U-Mary, owamkela imvume yakhe yokuhlala, wabhalisa inkampani yakhe phantsi kwesakhiwo seMauritius Freeport.

Qaphela: Iingcali zethu ziye zaqaphela ukuba abafakizicelo abaphumeleleyo ngabo baqhuba ishishini elisebenzayo okanye utyalo-mali lwepropathi endaweni yeedipozithi zemali ezingasebenziyo – ezihambelana nombono wophuhliso lweMauritius wexesha elide.

Inkqubo Yokufaka Isicelo Inyathelo Ngenyathelo

Inkqubo yokufaka isicelo Indawo yokuhlala yaseMauritius ngenkqubo yotyalo-mali lucace kwaye luqale ngokwenani.

1. Ukuhlolwa kwangaphambi kwesicelo

Ukuqinisekiswa kokufaneleka, umthombo weemali, kunye nohlobo lotyalo-mali ngabacebisi abanamalayisensi okanye i-EDB.

2. Ukuphunyezwa kwezoTyalo-mali

Thenga impahla, ubhalise inkampani okanye ubeke imali kwiakhawunti yebhanki.

3. Amaxwebhu

• Iikopi zepasipoti nemifanekiso.
• Iinkcukacha zebhanki ezibonisa umthombo wemali.
• Isiqinisekiso sokuvunyelwa kwamapolisa.
• Ubungqina bokuba ungumnini weshishini okanye wepropathi.
• Iinshurensi zempilo kunye neziphumo zovavanyo lwezonyango.

4. Ukuhanjiswa nokuvunywa

Faka isicelo esipheleleyo nge-EDB portal online. Iiveki ezi-6 ukuya kwezi-8.

5. Ukukhutshwa kweMvume yokuHlala

Emva kokuba bevunyiwe, abafakizicelo bafumana amakhadi okuhlala asebenza iminyaka eli-10 nangaphezulu kuxhomekeke kudidi lotyalo-mali.

Irhafu Nemeko-bume Yezimali

IMauritius yaziwa ngokubanzi njengelizwe iziko lezorhwebo lamazwe ngamazwe elisebenza kakuhle, enika enye yeenkqubo ezinokhuphiswano kakhulu kummandla.

Iimpawu Ezisisiseko Zerhafu:

• Inqanaba lerhafu yequmrhu: 15%, kunye nokukhululwa okunokwenzeka kwiinkampani zoshishino zehlabathi.
• Akukho nzuzo, ilifa okanye irhafu.
• Irhafu yengeniso yomntu ngamnye 15%.
• Izivumelwano zotyalo-mali olungaphaya kwama-40
• Ukukhululwa kwengeniso evela kwamanye amazwe phantsi kweemeko ezithile.

Qaphela: Olu lwakhiwo lunceda oosomashishini behlabathi jikelele abalawula ingeniso yamazwe ngamazwe ngelixa beqhubeka nokuhambelana nemigangatho yentela yamazwe ngamazwe.

Iinkcukacha Zokutshala Imali Kwiindawo Ezingagungqiyo

Iindawo zokungqubana zisaqhubeka ziseyona ndlela ithandwayo yokufumana indawo yokuhlala eMauritius ngenxa yobulula bayo kunye nexabiso layo elide.

Iinkqubo zepropati ezivunyweyo:

• Inkqubo yeendawo zokuhlala ezihlanganisiweyo (IRS): Iivilla zenkathalo ezinezinto ezifanelekileyo.
• Inkqubo ye-Real Estate (RES): Iindawo zokuphuhlisa iivenkile ezincinane zabatyali mali abancinane.
• Inkqubo yoPhuhliso lweNtengiso (PDS): Ukuphuhliswa okuzinzileyo nge-eco-certifications.

Ummandla	Ixabiso eliphantsi lepropati	Iimbalasane
IGrand Baie	I-USD 400 000	Ibhotwe lokunethezeka elunxwemeni, uluntu lwabemi basemzini
I-Tamarine	I-USD 375 000	Ukukhwela, indalo, izindlu zangasese
I-Moka	I-USD 400 000	Isithili seshishini, ubomi bentsapho
Umlambo Omnyama	I-380 000 yeedola	Iindawo zokubukela iintaba, iivilla ezikhethekileyo

Abatyali mali bezindlu banelungelo lokuhlala ixesha elide xa ipropathi ingumnini kwaye banokufumana inzuzo eqhubekayo yokuqeshisa (4-6%) ngonyaka.

Ukuthelekisa Nezinye Iinkqubo Zokuhlala Kwisiqithi

Ilizwe	Ubuncinane beMali	Ukuhlala	Iingenelo Zerhafu	Indlela Yokuba Ngummi
IMauritius	I-USD 375 000	Iminyaka eli-10 ukuya kwengama-20	Ewe	Inokwenzeka emva kweminyaka eli-10
I-Maldives	I-250 000 USD	Iminyaka emihlanu	I-Limited	Hayi
I-Seychelles	I-USD 200,000	Iminyaka emihlanu	I-Limited	Hayi
IMalta	€120,000	Ixesha elihlala lihleli	Ewe	Kusenokwenzeka
ISipro	€300,000	Ixesha elihlala lihleli	Ewe	Kusenokwenzeka

IMauritius inikezela nge ulungelelwaniso olunqabileyo phakathi kokuthoba, ukhuseleko, kunye nobunini benene bepropathi, ukuwahlukanisa kwiinkqubo ezininzi zokuhlala ixesha elifutshane.

Imiceli-mngeni Nezinto Onokuzicingisisa

Nangona iMauritius ingumtsalane kumthengisi, abafakizicelo kufuneka bahlangabezane nazo zonke iinkqubo zokuqinisekisa ezisemthethweni nezemali.

Iingxaki Eziqhelekileyo:

• Ukubonisa umthombo osemthethweni weemali phantsi kolawulo lwe-EDB.
• Ukuhamba ngeenkqubo zebhanki zasekuhlaleni zokudluliselwa kwemali.
• Ukuqonda izithintelo zobunikazi bepropathi kubantu abangengomazwe.

Qaphela: Inkxaso yengcebiso yobungcali, njengokuthi Iinkampani zeGlobalhenel, iqinisekisa ukuvunywa ngokukhawuleza kunye nokuhambelana ngokuchanekileyo neemfuno zolawulo.

Isifundo seMeko: Oosomashishini baseAfrika Basasazeka kwiMauritius

Ngo-2025, iGlobalhenel Partners yanceda iqela laseNigeria lamandla ahlaziyekayo ekusekeni ikomkhulu lalo kwingingqi eMauritius.
Ngokutyala imali I-USD 75 000 kwiqumrhu elidibeneyo lasekuhlaleni kwaye lihlangabezana neemeko ze-EDB, inkampani yafumana imvume yokuhlala iminyaka elishumi kubo bonke abaphathi.

Esi sigqibo sabenza bakwazi ukufikelela kwiimarike zaseAfrika naseAsia ngendlela efanelekileyo ngelixa befumana inzuzo kwiimvumelwano zerhafu zaseMauritius kunye nokuthembeka kwezemali.
Le mpumelelo ibonisa indlela inkqubo yokuhlala exhasa ngayo ukwanda kweshishini lokwenene kunokuba ifike ekufudukeni okungekho mthethweni.

Indlela iGlobalhenel Partners Exhasa Ngayo Abafakizicelo

Iinkampani zeGlobalhenel inika inkxaso epheleleyo kubaxumi abafuna Indawo yokuhlala yaseMauritius ngenkqubo yotyalo-mali, ukuqinisekisa ukuhambelana ngokugqibeleleyo kunye nokusebenza kakuhle.

Iinkonzo Zethu Zibandakanya:

• Uhlalutyo lobungcebiso nolwamkelo lwezakhiwo zotyalo-mali.
• Ukudibana kwezomthetho nezemali zerhafu kunye neengcali ezisemthethweni zaseMauritius.
• Uncedo lokutshalwa kwezindlu okanye amashishini.
• Ukuqinisekiswa kweeDocument kunye nokungeniswa kwazo ngeendlela ze-EDB.
• Inkxaso yokuthutha emva kokwamkelwa, ibhanki kunye nokudityaniswa.

Iqela lethu lidibanisa ulwazi lwamazwe ngamazwe kunye namaqabane asekuhlaleni ukuqinisekisa ukuba umenzi-sicelo ngamnye ufumana inkqubo engenaxhala nengenazingxaki.

Qaphela: Abathengi abaninzi abaqalayo ukucinga ngeenkqubo ze-UAE okanye zaseCaribbean ekugqibeleni bakhetha iMauritius emva kokuqonda ukhuseleko lwayo olusemthethweni kunye namandla ayo eqoqosho kwixesha elide acaciswe ngexesha lokubonisana kwethu.

Imibuzo Ebuzwayo Ngokufuthi

1. Lithini inani eliphantsi lotyalo-mali lokuhlala eMoritius?

I-USD 375,000 kwipropathi okanye i-USD 50,000 kutyalo-mali lweshishini.

2. Ixesha eliphi elifanelekileyo lemvume yokuhlala?

iminyaka eli-10, enokuvuselelwa okanye eqhubekayo kubatyali mali bezindlu.

3. Ngaba amalungu entsapho anokufakwa?

Ewe, iqabane lomtshato nabantwana abaxhomekeke kulo banelungelo lokutyala imali efanayo.

4. Ngaba ikho indlela yokufumana ubumi?

Ewe, emva kweminyaka eli-10 yokuhlala kwaye ngokuqhubekayo, abatyali mali banokufaka isicelo sobumi.

5. Ziziphi iingenelo eziphambili zerhafu?

Akukho ntlawulo yemali, ilifa okanye irhafu; irhafu yengeniso ibekwe kumda we-15%.

6. Kuthatha ixesha elingakanani ukufaka isicelo?

Ngokuqhelekileyo iiveki ezi-6 ukuya kwezi-8, kuxhomekeke kuhlobo lotyalo-mali kunye nokuhlolwa.

7. Ngaba abatyali mali banokuqalisa ishishini okanye basebenze?

Ewe, imisebenzi yeshishini neyobugcisa ikhuthazwa phantsi kolawulo lwe-EDB.

Qalisa Isicelo sakho sokuhlala eMauritius kunye namaqabane eGlobalhenel

I- Indawo yokuhlala yaseMauritius ngenkqubo yotyalo-mali Enoba ufuna ukwandiswa kwezorhwebo, ukufuduka kwentsapho, okanye ukuhlala kwindawo enengeniso, iMauritius inika ixabiso elingenakuqhathaniswa nobulula.

Iinkampani zeGlobalhenel kukunceda kuzo zonke izigaba – ukusuka kucwangciso lotyalo-mali kunye namaxwebhu asemthethweni ukuya kumvume wokuhlala kunye nokuthutha.

Iingcali zethu ziqinisekisa ukuba isicelo sakho sivumelana ngokugqibeleleyo nemimiselo yaseMauritius ehlaziyekayo ka-2025.

Nxibelelana ne-Globalhenel Partners namhlanje ukuze uqalise uhambo lwakho lokuhlala eMauritius uze uqinisekise indawo yakho kwenye yezona ndawo zothembekileyo zokutyala imali ehlabathini.