ISwitzerland Indawo yokuhlala ngokwenkqubo yotyalo-mali

ISwitzerland yenye yezona lizwe zimi kakuhle, zinezinto ezininzi ezibonakalayo, kwaye ihlonitshwa ehlabathini. ISwitzerland Indawo yokuhlala ngokwenkqubo yotyalo-mali ukuvumela abantu abanomvuzo ophezulu ukuba bafumane indawo yokuhlala ngokusemthethweni Isivumelwano semali yotyalo-mali okanye utyalo-mali lweshishini ngokomthetho waseSwitzerland wokufudukela kwelinye ilizwe.

Le nkqubo ilungele abatyali mali abafuna ukuhlala eSwitzerland ngaphandle kokuzibandakanya emsebenzini kodwa abazimisele ukunika igalelo lezoqoqosho ngokusebenzisa irhafu okanye umsebenzi wobuvulindlela.

Isizathu Sokuba ISwitzerland Ibe Yindawo Ebalaseleyo Yokuhlala

ISwitzerland ihlala iphakathi kwamazwe aphambili kulawulo lobutyebi, ukhuseleko, imfundo nomgangatho wobomi. Indawo yokuhlala ngokwenkqubo yotyalo-mali yenzelwe ukutsala abantu abazimeleyo ngokwezemali abafuna ukuhlala eSwitzerland ngenxa yendlela yokuphila, ishishini okanye izizathu zosapho.

Iingenelo Ezisisiseko

• Ukuhlala kwelinye lamazwe akhuselekileyo naphantse aphucuke.
• Ukufikelela kwiinkonzo zempilo, zemfundo, neebhanki eziphambili.
• Ukuhamba ngaphandle kwe-visa kwi-Schengen Area.
• Indlela yokuhlala ixesha elide kunye nobumi bokugqibela.
• Ukubandakanywa kwamalungu entsapho phantsi kwephepha-mvume elifanayo.
• Imeko yamatyala ezinzileyo kunye nokukhuselwa kwemali okuqinileyo.

Qaphela: ISwitzerland ayingomnye wabantu abahlala kwi-EU kodwa igcina ukudibana ngokusondeleyo ngezivumelwano zamazwe amabini, iqinisekisa ukuhamba ngokukhululekileyo nokuguquguquka kokutyala imali.

Iindlela eziphambili zotyalo-mali zokuhlala eSwitzerland

Inkqubo yaseSwitzerland inika iindlela ezimbini eziphambili kubantu abazizityebi abafuna ukuhlala ngokutshalwa kwezimali okanye inxaxheba.

1. Irhafu yexabiso eliphantsi (kwiMibutho engaphandle kwe-EU)

Le ndlela ivumela abafakizicelo abazimeleyo ngokwemali ukuba bafumane indawo yokuhlala ngokuvuma ukuhlawula irhafu yonyaka ye-unump sum kwi-canton apho bahlala khona.

Iimpawu Ezisisiseko

• Iirhafu ezincinci zonyaka phakathi I-CHF 250 000 ne-CHF 1 000 000, kuxhomekeke kwiCanton.
• Akukho mfuneko yokuba kubhengezwe ingeniso okanye iiasethi zehlabathi.
• Umceli akafanele asebenze okanye afumane ingeniso evela eSwitzerland.
• Imvume yokuhlala isebenza unyaka omnye kwaye inokuvuselelwa ngonyaka.

Iikanton Ezidumileyo Ezibhatala Irhafu Yokuqokelela Imali

Canton Iingenelo eziphambili zerhafu encinane
I-Zug	I-CHF 300 000	Iirhafu eziphantsi, ezilungele ishishini
I-Vaud	I-CHF 400 000	Kufuphi neGeneva neLausanne
I-Valais	I-250 000 CHF	Iindawo ezihle nexabiso eliphantsi
IGeneva	Iiflakhi ezingama-600 000	Indlela yokuphila yamazwe ngamazwe
I-Ticino	I-CHF 350 000	Ukuthetha isiTaliyane nokuzihlaziya

Qaphela: Ixabiso lerhafu elichanekileyo liyahluka kuxhomekeke kuthethathethwano nabasemagunyeni aseKanton kunye nomgangatho wobomi womfaki sicelo.

2.Utyalomali lwamashishini (KubaSebenzi bamaShishini base-EU nabangaphandle kwe-EU)

Abemi basemzini abaseka okanye abatyala imali kwinkampani yaseSwitzerland edala umsebenzi wasekuhlaleni nabo banokufanelekela ukuhlala.

Iimfuneko Ezisisiseko

• Ukufaka okanye ukutyala imali kwishishini elibhalisiweyo laseSwitzerland.
• Yenza okanye ugcine ubuncinane imisebenzi eli-10 yexesha elizeleyo kubahlali basekuhlaleni.
• Ukubonisa igalelo elikhulu kwizoqoqosho lwengingqi.
• Ukugcina ingxelo efanelekileyo yokuthobela imicimbi yeshishini kunye nerhafu.

Qaphela: Le ndlela isetyenziswa ngamaqumrhu oosomashishini kwicandelo lezobuchwephesha, ezemveliso nezemali afuna ukusebenza ngaphakathi kolawulo olungqongqo lwaseSwitzerland.

Inkqubo Yokufaka Isicelo Echazwe

Ukufaka isicelo sokuhlala ngokutshalwa kwezimali okanye ukuhlawula irhafu kubandakanya amanqanaba amaninzi kunye nokuququzelela kunye nabasemagunyeni aseburhulumenteni nasezikhundleni. Iinkampani zeGlobalhenel ukuqinisekisa ukuba onke amanyathelo ahlangabezana nemigangatho yokuhambelana yaseSwitzerland.

Isinyathelo Ngesinyathelo

1. Ukubonisana kokuqala nokuvavanywa kokulungela

Hlola ukuba yeyiphi indlela yotyalo-mali efanelekileyo kwiprofayile yakho; irhafu yemali ehlawulwayo okanye ukusekwa kweshishini.

2. Khetha iCanton kunye nohlobo lokuhlala

Khetha i canton ngokusekelwe kwirhafu, indlela yokuphila, kunye nokusondela kwizixeko ezikhulu.

3. Faka isicelo namaxwebhu

Faka ipasipoti, ubungqina bemali, iCV, imbali yolwaphulo-mthetho ecocekileyo, kunye nesiphakamiso sesityala-mali okanye isivumelwano serhafu.

4. Ukuvunywa kweKantonal kunye nokuqinisekiswa kweFederal

Emva kokuba i canton ivume, isicelo siya kuba semthethweni kwiinkundla zengingqi.

5. Ukukhutshwa kweMvume yokuHlala

Emva kokuvunywa, abafakizicelo namalungu entsapho bafumana imvume yokuhlala enokuvuselelwa (imvume ye-B).

Umda wexesha

Isigaba	Ixesha
Uhlolisiso lokuqala	iiveki ezi-2 ukuya kwezi-4
Ukuhlolwa kweCanton	Iinyanga ezi-2-3
Ukuvunywa nguRhulumente	Iinyanga ezi-1 ukuya kwezi-2
Ukukhutshwa Kwekhadi Lokuhlala	Iiveki ezi-1 ukuya kwezi-2

Qaphela: Inkqubo yonke idla ngokuthatha phakathi Iinyanga ezi-3 ukuya kwezi-6, kuxhomekeke kumaxwebhu kunye nomthwalo womsebenzi we canton.

Isifundo SeMeko Yempumelelo Yokuhlala KwaseSwitzerland

Ukufuduswa kweSicwangciso-qhinga sokuzinza kwezeMali

Umthengi obalaseleyo ovela kuMbindi Mpuma wasondela Iinkampani zeGlobalhenel Emva kokuhlolisisa iindlela ezahlukeneyo, kuquka iPortugal neMalta, wagqiba ekubeni Imodeli yerhafu yeSwitzerland ngenxa yobumfihlo bayo, ukungathathi cala kwayo, nedumela layo lehlabathi.

Iqela lethu lancedisa ekuxoxeni ngesivumelwano serhafu neCanton of Zug nge CHF 320,000 ngonyaka. Kwiinyanga ezine, imvume yokuhlala yosapho luphela yamkelwa. Ngoku lo ntsapho uhlala kufuphi neLake Zug, apho abantwana bayo baya kwizikolo zamazwe ngamazwe, yaye banandipha imeko-bume ephumelelayo yerhafu nezinzileyo yokulondoloza ubutyebi.

Qaphela: Ukucwangciswa ngokufanelekileyo kunye nokuthethathethwana ngokusemthethweni kuchaphazela ngqo inqanaba lerhafu kunye nexesha lokuvunywa.

Imigaqo yokufaneleka kwabafakizicelo

Abasemagunyeni baseSwitzerland bagcina imithetho engqongqo yokufaneleka ukuze baqinisekise ukuba abafakizicelo banikela ngokufanelekileyo kuqoqosho lwasekuhlaleni.

Imiqathango ngokubanzi

• Ubuncinane be-18 leminyaka ubudala.
• Iirekhodi zolwaphulo-mthetho nezokufudukela kwelinye ilizwe zicocekile.
• Ubungqina bengeniso okanye ubutyebi obaneleyo.
• Iinshorensi zempilo ezifanelekileyo eSwitzerland.
• Ukuzimisela ukuhlala kwikota ekhethiweyo ixesha elithile lonyaka.
• Ukuhambelana nezivumelwano zerhafu yendawo neyomanyano.

Abafakizicelo beRhafu yeNtlawulo

• Ummi ongekho kwi-EU, ongengomSwitzerland.
• Akasebenzi okanye uhlala eSwitzerland.
• Ukuvumelana ngenani elincinci lerhafu elixoxwa ne canton.

Abatshalizimali Baseshishini

• Ubungqina bokutyalomali lwemali kwinkampani yaseSwitzerland.
• Isicwangciso seshishini esicacileyo esibonisa ukudalwa kwemisebenzi kunye neenzuzo zengingqi.

Qaphela: Amaqabane nabantwana abaxhomekeke kuwo ngokuzenzekelayo banelungelo lokuhlala phantsi kwesicelo esinye.

Irhafu Nezibophelelo Zemali

Inkqubo yerhafu yembuyekezo ihlala iyingundoqo yesibonelelo sokuhlala eSwitzerland kubathengisi behlabathi.

Indlela Esisebenza Ngayo Irhafu Yokuqokelela Imali

Kunokuba irhafu yengeniso okanye impahla ehlabathini lonke, iSwitzerland ibeka irhafu ngokusekelwe iindleko zokuphila. Amagunya alinganisa inkcitho yonyaka yomfaki sicelo – ngokuqhelekileyo ubuncinane izihlandlo ezisixhenxe ixabiso lenkonzo yonyaka I-IRB iya kuhlawula irhafu yendawo yokuhlala kwaye isebenzise irhafu evunyiweyo.

Umzekelo wokuHlola

Ukuba umenzi-sicelo uyaqesha i-villa nge-CHF 100 000 ngonyaka, isiseko esirhafu sinokuba yi-CHF 700 000.

Qaphela: Le ndlela inika ukukwazi ukucinga, ubumfihlo kunye nokusebenza kakuhle kweerhafu kwihlabathi liphela kubatyali mali abaneemvelaphi ezahlukeneyo zengeniso yamazwe ngamazwe.

Iingenelo Zokuhlala eSwitzerland

ISwitzerland inikeza umxube ongenakuqhathaniswa wokuma, ubumfihlo, kunye neengenelo zendlela yokuphila.

Indlela Yokuphila Nokhuseleko

• Ukungathathi cala kwezopolitiko nokuhlonitshwa ehlabathini lonke.
• Inkqubo yezempilo nemfundo ekhethekileyo.
• Indawo ecocekileyo kunye nolwakhiwo olusezingeni lehlabathi.
• Ukuxhumeka kakuhle kwiinkunzi ezinkulu zaseYurophu.

Iingenelo Zokwezoqoqosho Nezezimali

• Inkqubo yezemali ephucukileyo enobumfihlo obukhulu.
• I-franc yaseSwitzerland ezinzileyo enika ukhuseleko ngokuchasene nokutshintsha kwemali.
• Indawo ekhangayo yeshishini enemithetho engenabala.

Qaphela: Ezi zinto zenza iSwitzerland ibe yenye yezona ndawo zinqwenelekayo kubantu abazityebi ehlabathini.

Ukuthelekisa iSwitzerland Nezinye Iinkqubo Zokuhlala EYurophu

Ilizwe	Ubuncinane bokutyala imali / irhafu	Indlela Yokuba Ngummi	Amalungelo okusebenza	Ukukhutshwa Kwintsapho
ISwitzerland	I-CHF 250.000+ (irhafu yesambuku)	Emva kweminyaka eli-10 ukuya kwengama-10	Hayi	Ewe
IPortugal	€250,000-€500,000	Emva kweminyaka emihlanu	Ewe	Ewe
ISpeyin	€500,000	Emva kweminyaka eli-10	Ewe	Ewe
IGrisi	€250,000	Emva kweminyaka esixhenxe	Ewe	Ewe
IMalta	€600,000+	Iinyanga ezili-12 ukuya kwezili-18	Ewe	Ewe

Qaphela: I-Switzerland Inketho yokuhlala igxile kubumfihlo kunye nozinzo lobutyebi, ngokungafaniyo nezinye iinkqubo ze-EU ezigxininisa imbuyekezo yotyalo-mali.

Ukuhlaziywa, Ukuhlala, Nokuba Ngummi

Ukuhlaziywa Kwendawo Ohlala Kuyo

AmaSwitzerland Iphepha-mvume ngokuqhelekileyo isebenza unyaka omnye kwaye ivuselelwa rhoqo ngonyaka, ukuba umenzi-sicelo ugcina isivumelwano sokutyala imali okanye isivumelwano sokurhafisa isambuku kwaye uhlala inxalenye yonyaka eSwitzerland.

Indlela Yokuhlala Ngonaphakade Nokuba Ngummi

• Emva koko Iminyaka eli-10, abafakizicelo banokufaka isicelo Ubulwelwe baseSwitzerland (iminyaka emihlanu kumtshato womntu ofumana ubhaliso lweSwitzerland).
• Abafakizicelo kufuneka babonise ukudibana noluntu lwaseSwitzerland nolwazi lolwimi lwesizwe (isiJamani, isiFrentshi okanye isiTaliyane).
• Ukuhlala ngokusisigxina (imvume ye-C) iyafumaneka emva kweminyaka emi-5 ukuya kweli-10 yokuhlala ngokuqhubekayo.

Qaphela: ISwitzerland iyakuxabisa ukuzibophelela ixesha elide nokuhlanganiswa kweentlanga, ngoko ke ukugcina ubudlelwane basekuhlaleni kukhawulezisa ukufaneleka.

Iimpazamo Eziqhelekileyo Okufuneka Ziphetshwe

1. Ukungawuxabisi umlinganiselo obalulekileyo wokuthetha ngemali.
   Iikanton nganye ineemithetho ezahlukeneyo kunye namanqanaba obhetyebhetye.
2. Ukungayikhethi kakuhle i canton.
   Iirhafu, ulwimi nendlela yokuphila yahluka kakhulu kwimimandla eyahlukeneyo.
3. Ukusebenzisa abalamli abangakhange baqinisekiswe.
   Kuphela ngabaqeqeshi abaneziqinisekiso ekufuneka bejongene neengxoxo.
4. Ukungahoywa kwamaxwebhu entsapho kusengaphambili.
   Amaxwebhu alahlekileyo adla ngokubangela ukulibaziseka kwezicelo.

Qaphela: Ukucwangcisa kwangethuba nokusebenzisana neengcali eziqinisekisiweyo kunceda ukuphepha ukulibaziseka okubiza imali eninzi.

Indlela iGlobalhenel Partners Exhasa Ngayo Abafakizicelo BeSwitzerland

Ulwalathiso Lweengcali Ekuqaleni Kuse Ekupheleni

Kwi Iinkampani zeGlobalhenelAbaqeqeshi bethu banceda abathengi ukuba benze izicelo zabo zokuhlala eSwitzerland ngokuvisisana ngokupheleleyo nemithetho yasekuhlaleni neyasefederal.

Inkxaso Yethu Iquka

• Uhlolisiso lokufaneleka kunye nokukhethwa kwendlela.
• Ukudibanisa neenkqubo zerhafu ze cantonal.
• Ubhaliso lweshishini kunye nolawulo lokuthobela.
• Ukubandakanywa kwentsapho kunye nokwenziwa kwemibhalo ngokusemthethweni.
• Iinkonzo emva kokuhlala kunye nokuvuselelwa.

Siye sanceda ngempumelelo abathengi abavela eAsia, eAfrika nakuMbindi Mpuma abafuna isisombululo sokuhlala eYurophu esithe tyaba, esizinzileyo nesisebenzayo kwirhafu. Abaninzi ekuqaleni babethingaza ngenxa yobunzima obubonwayo kodwa kamva bafumana inkqubo icace gca xa sele ikhokelwe ngokufanelekileyo.

Qaphela: Ukusebenzisana nabacebisi abanamava konga ixesha neendleko, kuqinisekisa ukuhambelana ngokupheleleyo.

Iindawo Ezikhethekileyo Zendlela Yokuphila Nokutyala Imali

I-Canton	Ulwimi	Izixeko Ezidumileyo	Uhlobo Lobomi
IZurich	IsiJamani	IZurich	I-hub yezezimali nezoShishino
IGeneva	IsiFrentshi	IGeneva	Uluntu kunye nezoqoqosho
I-Vaud	IsiFrentshi	ILausanne	Indlela yokuphila elungeleleneyo kunye nolutsha
I-Zug	IsiJamani	I-Zug	Iirhafu eziphantsi neentsapho
I-Ticino	IsiTaliyane	I-Lugano	Ummandla obonakalayo nonobulali

Qaphela: IZug neVaud zithandwa kakhulu ngabatyali mali behlabathi ngenxa yokusebenza kakuhle kwentela kunye nokulinganisela indlela yokuphila.

Imibuzo Ebuzwa Rhoqo

1. Ndimele ndityhale imali engakanani ukuze ndifumane indawo yokuhlala yaseSwitzerland?

Ubuncinane bokurhafiswa kwemali-nye bufikelela kuma-CHF angama-250,000 ngonyaka, kuxhomekeke kwi-canton.

2. Ngaba ndingakwazi ukusebenza eSwitzerland phantsi kwesivumelwano serhafu yesambuku?

Hayi, umsebenzi okanye ingeniso yeshishini evela eSwitzerland ayivumelekanga kulo mgama.

3. Kuthatha ixesha elingakanani ngaphambi kokuba ndifake isicelo sokuba ngummi?

Emva kweminyaka eli-10 ukuya kwengama-10 yokuhlala, kuxhomekeke kwiimfuno zokudibanisa nolwimi.

4. Ngaba intsapho yam inokuhlala nam?

Ewe, iqabane lomtshato nabantwana abaxhomekeke kulo babalwa phantsi kwephepha-mvume elinye.

5. Ngaba ndimele ndihlale eSwitzerland ixesha elizeleyo?

Kufuneka uhlale ixesha elithile kodwa hayi ixesha elipheleleyo.

6. Ngaba ndingakwazi ukutshintsha ikanton yam kamva?

Ewe, kodwa oko kufuna uthethathethwano olutsha lwerhafu nelizwe ekujoliswe kulo.

7. Ziziphi iincwadi ezifunekayo?

Ipaspoti, ubungqina bemali, ukuqinisekiswa ngamapolisa, i-inshorensi yezempilo, kunye nesivumelwano sokutyala imali okanye esisayiniweyo.

Ukwakha Ikamva Eliqinisekileyo ESwitzerland

Ukukhetha ISwitzerland Indawo yokuhlala ngokwenkqubo yotyalo-mali ISwitzerland, enenkqubo esemthethweni eqinileyo, uqoqosho oluzinzileyo, kunye nendawo enobuhlobo nosapho, ihlala yenye yezona ndawo zihlonelwayo ehlabathini.

Iinkampani zeGlobalhenel iqinisekisa amava angenaziphene ngokulawula onke amanqanaba esicelo sakho – ukusuka ekusekeni komthetho kunye neengxoxo zerhafu ukuya kwimvume yokuhlala kunye nokufuduka kosapho.

Fumanisa Iinkampani zeGlobalhenel namhlanje ukuze uxoxe ngeendlela zakho zokuhlala eSwitzerland kwaye uqale inkqubo yokuthutha ehlelwe kakuhle, eyimfihlo nephumelelayo.