Ukuhlala eLuxembourg ngohlelo lokutshala imali

ILuxembourg, elinye lamazwe acebile futhi anokuthula kwezepolitiki eYurophu, linikeza izwe elivikelekile nelinamagama Ukuhlala Ngokwenhlelo Lokutshala Imali Ukuze uthole izikhungo zokuhlala ezikhungethe izikhungo zezimali, i-EU kufanele iqinisekise ukuthi izikhungo zezimali eziqashisayo zibhekene nezikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungo zokuhlala ezikhungethe izikhungethe zokuhlala ezikhungethe ezikhungethe izikhungethe ezikhungethe ezikhungethe izikhungethe zokuhlala ezikhungethe ezikhungethe ezikhungethe ezikhungethe ezikhungethe ezikhungethe ezikhuthazwayo.

Lolu hlelo lunikeza izakhamuzi zakwamanye amazwe nemindeni yazo indawo yokuhlala esemthethweni enhliziyweni yeYurophu kuyilapho kunomthelela emnothweni okhulayo waseLuxembourg.

Okwenza Abatshalizimali Bakhethe ILuxembourg

ILuxembourg ivela njengendawo ephakeme kakhulu yokuya kubantu ngabanye nemindeni efuna ukuhlanganisa ukuzinza kwezezimali, ukuhamba emhlabeni wonke kanye namalungelo okuhlala e-EU.Njengenye yezindawo zezimali eziphambili kakhulu emhlabeni, inikeza abatshalizimali indawo ephephile yokuhweba nokuphila.

Izinzuzo Zokuyinhloko

• Indawo yokuhlala esemthethweni ezweni eliyingxenye ye-EU neSchengen.
• Ukuhamba ngaphandle kwe-visa kulo lonke elaseSchengen.
• Uhlelo lwezimali oluzinzile nolusobala.
• Izinga lobugebengu eliphansi nezinga lokuphila eliphezulu.
• Indlela eya endaweni yokuhlala unomphela nasebuzweni.
• Ukufakwa komkhaya ngaphansi kwesicelo esisodwa.

Qaphela: Uhlelo lokuhlala lwaseLuxembourg luheha osomabhizinisi, abaphathi bezimali nemindeni ehlonipha ukuphepha, ukufinyelela eYurophu Ephakathi kanye namathuba okukhula okude.

Izindlela Eziyinhloko Zokutshala Imali Zokuhlala

I- Ukuhlala eLuxembourg ngohlelo lokutshala imali inikeza izinketho eziningana zokutshala imali ezifanele ngaphansi komthetho wezokufika kazwelonke (isigaba 78, umthetho ka-29 Agasti 2008).

1. Indlela Yokutshala Imali Ebhizinisini

• Ukutshalwa kwezimali okuphansi: €500,000.
• Ukutshala imali kufanele kube inkampani entsha noma ekhona ebhaliswe eLuxembourg.
• Inkampani kufanele okungenani iqashwe izakhamuzi zendawo ezinhlanu phakathi neminyaka emithathu yokuqala.
• Ibhizinisi kufanele lisebenze lisuka ehhovisi elibonakalayo eLuxembourg.

Qaphela: Le ndlela ilungele kakhulu osomabhizinisi abafisa ukusungula ubukhona besikhathi eside noma ukunweba imisebenzi e-EU.

2. Indlela Yezimali Zokutshala Imali

• Ukutshalwa kwezimali okuphansi: 3 million.
• Izimali kufanele zifakwe ku- Isakhiwo sokutshala imali noma sokuphatha esiseLuxembourg, njenge- SICAR, i- SIF, noma i- RAIF.
• Isikhwama kufanele siqondiswe yiLuxembourg I-Commission de Surveillance du Secteur Financier (CSSF).
• Izimali kufanele zihlale zisetshenziswa okungenani isikhathi eside iminyaka emihlanu.

Qaphela: Lolu khetho luyinto enhle kubantu abanenani eliphakeme abafuna ukutshalwa kwezimali okulawulwayo nokungenzi lutho emkhakheni wezezimali waseLuxembourg.

3. Indlela Yokufaka Imali Ebhange

• Imali engenayo: Izigidi ezingama-20 zama-euro.
• Izimali kufanele zifakwe ku- Isikhungo sezezimali saseLuxembourg okungenani fEminyakeni eminingi.
• Lezi zimali kumelwe zihlale zingathintwanga phakathi naleso sikhathi.
• Umfakisicelo kufanele abonise ubufakazi bomthombo wezimali.

Qaphela: Le ndlela inikeza ukuphepha okuphezulu nokuzibandakanya okuncane ekusebenzeni.

4. Indlela Yokutshalwa Kwezimali Ezingathengiswayo (Ebhekwa)

Nakuba iLuxembourg ingenawo umzila othile wokuhlala wezimpahla kuphela, izindlu zingase zibe yingxenye yokutshala imali kwebhizinisi elifanelekile uma zilungiswe kahle ngokusebenzisa inkampani yendawo.

Qaphela: Ukutshalwa kwezimali okuqondile kwezezakhiwo kuphela akufaneleki ngaphandle kokuthi kuhlobene nomsebenzi wezomnotho osebenzayo.

Inqubo Yokufaka Isicelo

Inqubo yokufaka isicelo Ukuhlala eLuxembourg ngohlelo lokutshala imali iyasebenza futhi ilawulwa kahle, iqinisekisa ukubonakala nokuhambisana kuzo zonke izigaba.

Isifinyezo Esisheshayo

1. Khetha Inketho Yokutshalwa Kwezimali
Khetha phakathi kokudala ibhizinisi, ukutshala imali, noma ukufaka imali ebhange.

2. Lungiselela imibhalo edingekayo
Faka ipasipoti, ubufakazi bemali engenayo, izitatimende zezimali, kanye nomlando wokuzibulala ohlanzekile.

3. Yenza isiphakamiso sokutshala imali
Yethula ibhizinisi lakho noma uhlelo lwakho lokutshala imali UMnyango Wezomnotho waseLuxembourg ukuze kugunyazwe kusengaphambili.

4. Thola Incwadi Yokuvuma
UMnyango ukhipha isitifiketi sokuhambisana esiqinisekisa ukuthi utshalomali lwakho luhlangabezana nezidingo.

5. Faka isicelo sokugunyazwa ukuhlala
Faka isicelo sakho sokuhlala ngokusemthethweni UMnyango Wezokufika woMnyango Wezangaphandle NezeYurophu.

6. Faka eLuxembourg futhi uthole imvume
Uma uvunyelwe, iya eLuxembourg bese ubhalisa emphakathini wendawo ukuze uthole ikhadi lakho lokuhlala.

Umkhawulo Wesikhathi Ovamile

Isiteji	Isikhathi
Ukuhlela nokwamukela kusengaphambili ukutshalwa kwezimali	amasonto amane kuya kwayisishiyagalombili
Ukubuyekezwa Kwegunya Lokuhlala	Izinyanga ezingu-2-3
Ukufakwa nokufakwa	amasonto angu-1-2

Qaphela: Iningi labafakizicelo liphumelela ukuthola indawo yokuhlala ngaphakathi izinyanga ezintathu kuya kwezine lapho kuqondiswa kahle ochwepheshe abanegunya.

Isifundo Sokuhlola Isibonelo Sabatshalizimali Abakhetha ILuxembourg

Ukuhlanganisa Ukwanda Kwebhizinisi Nokuhlala E-EU

Ngo-2024, osomabhizinisi baseNyakatho Afrika wasondela Abalingani beGlobalhenel Uthe u-Alice ufunana nokwandisa imisebenzi yakhe ye-fintech eYurophu ngesikhathi esifanayo ethola indawo yokuhlala yomndeni wakhe. Indlela Yokutshala Imali Ebhizinisini, ukuhlela utshalomali lwama-euro angama-600 000 ku-startup entsha ye-fintech yaseLuxembourg.

Samsiza ukuba akhe isakhiwo senhlangano esihambisana nezidingo, siqinisekise izivumelwano zokuqashwa zendawo, futhi wethule uhlelo lwebhizinisi oludingekayo.

Qaphela: Uma kuhlelwa kahle futhi kunesakhiwo sezomthetho, indlela yokufaka imali yebhizinisi yaseLuxembourg ingasebenza njengesixazululo sokuhlala kanye nesibhizinisi esizuzisayo.

Izidingo Zokufaneleka

Abafakizicelo kumele bakhombise ukuthi banamandla okwenza imali, banesimo esihle futhi banenhloso efanele yokuhlala eLuxembourg.

Izinkomba eziyisisekelo

• Umuntu ongeyena owesizwe se-EU, ongeyena owesizwe se-EEA, kanye nesakhamuzi esingeyena esakhelene neSwitzerland.
• Ubudala obuncane: Iminyaka engu-18.
• Umlando wokuzibulala uhlanzekile.
• Umthombo wezimali osemthethweni futhi ovumelekile.
• Umshwalense wezempilo osebenzayo ohlanganisa iLuxembourg.
• Ubufakazi bokuthi uhlala (ukuhlala noma ukuba ngumnikazi).
• Ukuqedwa kokutshalwa kwezimali okufanele.

Ukuhlanganiswa Komkhaya

• Umlingani noma umlingani obhalisiwe.
• Izingane ezingaphansi kweminyaka engu-18 (noma umuntu omdala uma esekela ngokwezimali).
• Abazali abaxhomeke (ngokufakazelwa kokuncika).

Qaphela: Amalungu omkhaya athola amalungelo afanayo okuhlala, kuhlanganise nokufinyelela emfundweni nasekwelashweni.

Amalungelo Esemthethweni Nokuhlala Phakade

• I- imvume yokuhlala yokuqala isebenza iminyaka emithathu.
• Amandla avuselelekayo iminyaka emithathu ekuqhubekeni nokutshalwa kwezimali.
• Ngemva iminyaka emihlanu, umfakisicelo angafaka isicelo indawo yokuhlala unomphela.
• Ngemva iminyaka eyishumi, umfakisicelo angafaka isicelo Ubuzwe baseLuxembourg, ngaphansi kwezidingo zokuhlanganisa kanye nezilimi.

Qaphela: Abatshalizimali bangahlala noma bahambe ngaphandle kweLuxembourg ngaphandle kokulahlekelwa indawo yokuhlala, uma nje beqhubeka nokufaka imali futhi bevakashela njalo.

Ukukhokhwa Kwentela Nemvelo Yezezimali

ILuxembourg inikeza enye yezinhlelo zentela ezizuzisa kakhulu eYurophu kubatshalizimali, ehlanganisa ukubonakala nokuguquguquka.

Izici Eziyinhloko Zentela

• Isilinganiso sentela yenkampani: cishe 24.94% (ukuhlanganiswa kwamazwe kanye namadolobha).
• Intela engenayo yomuntu siqu: okuqhubekayo kuze kube 45%, kodwa izakhamuzi kanye nezindleko zisebenza.
• Ayikho intela yempahla noma yefa ngezimpahla zakwamanye amazwe.
• Izivumelwano ezibanzi zokukhokhisa kabili emazweni angaphezu kuka-80.
• Uhlelo oluhle lwezinkampani zokubamba kubatshalizimali bamazwe ngamazwe.

Amandla Ezimali

• Isikhungo somhlaba wonke semali yokutshala imali kanye nokuphathwa kwengcebo.
• Iphakathi kwezikhungo ezintathu eziphambili zezimali eYurophu.
• Ekhaya ukuze phezu Amabhange angu-140 nezimali zokutshala imali ezingu-4 500.

Qaphela: Uhlaka lwezomthetho oluqinile lwaseLuxembourg luqinisekisa ukuvikelwa okuphelele nokugcinwa kwemfihlo kwabanikezeli.

Ukuqhathanisa Nezinye Izinhlelo Zokuhlala E-EU

Izwe	Ukutshalwa Kwezimali Okuncane	Isikhathi Sokuzalwa	Inzuzo Ephawulekayo
I-Luxembourg	€ 500 000 - € 20 million	Ngemva kweminyaka eyishumi	Ihabhu lezezimali le-EU elizinzile
Portugal	€250,000-€500,000	Ngemva kweminyaka emihlanu	Izindleko zokungena eziphansi
ISpain	€500,000	Ngemva kweminyaka eyishumi	Inketho yezimpahla ezibonakalayo
IMalta	€600,000+	Izinyanga ezingu-12 kuya kwezingu-18	Ubuzwe obuqondile
I-Italy	€250,000	Ngemva kweminyaka eyishumi	Isakhiwo Esisekelwe Emisha

Qaphela: Ukuthembeka, ukuphepha kanye nendawo eLuxembourg okuhlala kuyo kwenza kube ukukhetha okuyinhloko kwabatshalizimali ababeka phambili ukuphepha nokufinyelela kwe-EU kwesikhathi eside.

Amaphutha Avamile Okufanele Agwenywe

1. Ukulethwa kwemibhalo yebhizinisi noma yokutshala imali engaphelele.
2. Ukukhetha izimali ezingekho ngaphansi kwelayisense noma ukulawulwa.
3. Ukwehluleka ukugcina izimo zendawo zokuqashwa noma zokutshala imali.
4. Ukuqondwa okungalungile kwenqubo yokuvuselelwa nokuhlala iminyaka emihlanu.
5. Ukunganaki ubufakazi bezimali noma imibhalo yokuthobela izintela.

Qaphela: Ukusebenzisana nabeluleki bezomthetho nabokufika abanolwazi Abalingani beGlobalhenel kuqinisekisa inqubo engenazinkinga ngokuhambisana ngokuphelele nomthetho.

Indlela Abalingani BakaGlobalhenel Abasekela Ngayo Abafakizicelo

Kusukela Kuqhinga Lokutshala Imali Kuya Ekuvunyelweni Kokuba Ohlala E-Australia

Ngesikhathi Abalingani beGlobalhenel, sinikeza usizo lwezomthetho nolweseluleko esiphelele Ukuhlala eLuxembourg ngohlelo lokutshala imaliIthimba lethu liqinisekisa ukuthi zonke izimali zamakhasimende zihlangabezana nezidingo zikazwelonke ngenkathi zandisa imiphumela yebhizinisi nezezimali.

Ukusekela Kwethu Kuhilela

• Ukuhlolwa kwangaphambi kokugcotshwa nokuhlolwa kokuthi uyafaneleka.
• Ukuhlelwa kwesakhiwo sebhizinisi nesokutshala imali.
• Ukuxhumanisa noNgqongqoshe Wezomnotho waseLuxembourg kanye nezikhungo zezezimali.
• Ukulungiselela nokuhumusha imibhalo.
• Ukusekelwa kokufakwa komkhaya kanye nokubhaliswa kokuhlala.
• Usizo lokuhambisana nokuvuselelwa ngemuva kokuhlala.

Eminyakeni yamuva, sisize amaklayenti amaningi avela e-Asia, e-Afrika naseMpumalanga Ephakathi ukuba athole ngokuphumelelayo ukuhlala eLuxembourg ngezindlela zebhizinisi nezokutshala imali.

Qaphela: Indlela yethu iqinisekisa ukubonakala, ukusheshisa nokuhambisana nazo zonke izindinganiso zomthetho zaseLuxembourg.

Imikhakha Engcono Kakhulu Yokutshalwa Kwezimali

Umkhakha	Amathuba
Izinsizakalo Zezimali	Ukubhuka, ukuphathwa kwezimali, ubuchwepheshe be-fintech
Izindawo eziqashwayo	Amaphrojekthi okuhweba nawokusetshenziswa okuxubile
Ubuchwepheshe	Ukuhlakanipha okufakelwayo, i-blockchain, ukuphepha kwe-cyber
Amandla Aluhlaza	Amaphrojekthi avuselelekayo kanye nezindawo zokutshala imali eziguqukayo
I-Logistics	Ukuxhumeka kwezohwebo nezokuhamba eYurophu
Imfundo Nezokunakekelwa Kwezempilo	Izikhungo ezizimele nobuchwepheshe bezempilo

Qaphela: Ukutshalwa kwezimali okuhambisana nezinhloso zokuthuthukiswa komnotho zaseLuxembourg* kuyabekwa phambili ngesikhathi sokubuyekezwa kwezicelo.

Imibuzo Evame Ukubuzwa

1. Luyini ubuncane benkampani okudingeka ibeke imali?

Ama-euro angu-500 000 ebhizinisini, ama-euro ayizigidi ezingu-3 esikhwameni noma ama-euro ayizigidi ezingu-20 njengediphozithi yasebhange.

2. Ngingabahlanganisa yini amalungu omkhaya wami?

Yebo, kungase kufakwe oshade naye, izingane nabazali abahlala nabo.

3. Le nqubo ithatha isikhathi esingakanani?

Ngokuvamile izinyanga ezintathu kuya kwezine kusukela ekufakweni kokuqala kuze kube semthethweni ukuhlala.

4. Ingabe kudingeka silondoloze imali?

Yebo, okungenani iminyaka emihlanu, kuye ngokuthi uhlobo luni lwemali oyitholayo.

5. Ngingafaka isicelo sokuba yisakhamuzi?

Yebo, ngemva kweminyaka eyishumi yokuhlala ngokusemthethweni futhi ugcwalise izidingo zokuhlanganiswa.

6. Ingabe kudingeka ngihlala eLuxembourg isikhathi esigcwele?

Cha, kodwa kudingeka silondoloze imali futhi sivakashele njalo.

7. Ingabe ukufakwa kwezindlu kungakufanelekela?

Kuphela uma kuboshwe ebhizinisini elenza umnikelo emnothweni.

Ukwakha Ikusasa EYurophuInhliziyo Yezimali

I- Ukuhlala eLuxembourg ngohlelo lokutshala imali ihlinzeka ngomunye wemigwaqo ezinzile futhi ehlonishwa kakhulu yokuya e-EU.

Abalingani beGlobalhenel iqinisekisa inqubo engenazinkinga kusukela ekuhleleni kokuqala kokutshala imali kuya ekukhishwe kokuhlala, isebenzisa iminyaka yokuhlangenwe nakho kwezimiso zokuthuthela kwelinye izwe nezokutshala imali eYurophu.

Ukuxhumana Abalingani beGlobalhenel namuhla ukuqala yakho Uhambo lokuhlala eLuxembourg ngokuqiniseka ngokuphelele ngokomthetho, ukusebenza kahle kanye nokuqondisa okukhona ekutshalweni kwezimali.