Ubuzwe baseMontenegro Ngokusebenzisa Izimali: Isango LaseYurophu Labatshalizimali Bomhlaba Wonke

I- Ukuba Isakhamuzi SaseMontago Ngokusebenzisa Imali Uhlelo lunikeza ithuba eliyingqayizivele kubatshalizimali abafuna ukufinyelela eYurophu, izinzuzo zokuphila, kanye nesimo sezepolitiki esiphephile.

Lesi siqondiso esinemininingwane esishiwo Abalingani beGlobalhenel ichaza ukufaneleka, izindlela zokutshala imali, inqubo yokufaka izicelo nezinzuzo zesikhathi eside zohlelo lwe-Montenegro Citizenship through Investment. Ihlanganisa nokuqonda kochwepheshe, okuhlangenwe nakho kwangempela kwabafakizicelo, kanye nombono ophelele walokho okwenza iNtenegro ibe enye yezinketho zokuthatha izakhamuzi zaseYurophu ezikhanga kakhulu.

Ukuqonda Ubuzwe Bezintaba zeManttenegro Ngokusebenzisa Uhlelo Lokutshalwa Kwezimali

INtengrégou yethule Ubuzwe Ngokusebenzisa Uhlelo Lokutshala Imali (CBI) ngo-2019 ngaphansi kwesinyathelo sikahulumeni esenzelwe ukuheha imali yakwamanye amazwe ukusekela ezokuvakasha, izakhiwo nezakhiwo kanye nokuthuthukiswa kwengqalasizinda.

Nakuba lolu hlelo luvalwe kwabafakizicelo abasha ngasekupheleni kuka-2022, Abalingani beGlobalhenel iqhubeka nokusiza amaklayenti afuna izindlela ezifanayo ngaphansi izindlela zokuhlala nezokufaka imali njalo Ukubambisana nenqubo yokujoyina i-EU eqhubeka eMontenegro.

Kulabo abanomsebenzi wokuhlala owenziwe ngokutshala imali noma abafuna ukuba yisakhamuzi esizayo, iMontenegro ihlala ingenye yezindawo ezibusisa kakhulu eYurophu.

Izici ezivelele zihlanganisa:

• Indawo eyisisekelo phakathi kweNtshonalanga Yurophu neBalkan.
• Ukufinyelela okungavunyelwe noma okungavunyelwe ukufinyelela lapho ufika Amazwe angu-125, kuhlanganise Indawo yaseSchengen, I-Russia, I-Turkey, futhi ISingapore.
• Ukuqapha okucacile kukahulumeni kuzo zonke izindlela zokutshala imali.
• Umnotho ozinzile osekelwa imikhakha yezokuvakasha, amandla nolwandle.
• Ukufinyelela okuzayo I-European Union ngemva kokungena ngokugcwele.
• Ukuba yisakhamuzi esibili okuhlinzekwa imithetho ethile.

Qaphela: Uhlelo lokuqala lokuba yisakhamuzi lwaluphethwe ngaphansi kwe- I-Montenegro Investment Agency (MIA), enezakhiwo ezivunyelwe uhulumeni kanye nezinketho zokunikela. Abatshalizimali bamanje bayelulekwa ngeGlobalhenel Partners mayelana nezinketho zokutshalwa kwezimali zokuhlala ezihambisana nezimo ezisaziwa ngaphansi komthetho waseMontenegro.

Ukubuka konke kwezinketho zokutshala imali (Isakhiwo sefa)

Uhlelo lwe-Montenegro Citizenship through Investment ngaphambili lwalunikeze izindlela ezimbili zokutshala imali ezihlanganisiwe eziqhubeka zisebenza njengesiqondiso samathuba omtshali-zimali ezweni asekelwe ekuhlaleni.

1. Umnikelo Wesikhwama Sikahulumeni Sentuthuko

Abafakizicelo kwakudingeka benze Umnikelo ongabuyiselwa Isikhwama sokuthuthukiswa kwezwe.

Isamba:

• I-EUR 100,000 umnikelo kuSikhwama Sikahulumeni Sokuvuselela Ingqalasizinda Nokuthuthukisa Izindawo.

Lesi sikhwama sasekela ngokuqondile izindawo ezingathuthuki, sithuthukise izikole, izibhedlela nezindawo zokuvakasha.

2. Ukutshalwa Kwezimali Ezingathengiswayo

Abatshalizimali babephinde bafunwe ukuba bathenge impahla engenziwa nguhulumeni amaphrojekthi, ikakhulukazi ezokuvakasha nasezifundeni zokungenisa izihambi.

Izinga eliphansi lokutshala imali:

• 250 000 EUR ngezakhiwo ezifundeni ezingathuthukisiwe (enyakatho yeNtengrego).
• Ama-euro angu-450,000 ngezakhiwo ezihlala ezindaweni ezithuthukile (izindawo ezisogwini noma ezisemaphakathi).

Abatshalizimali babephoqelekile ukuba babe ngumnikazi wezici okungenani isikhathi iminyaka emihlanu.

Izinzuzo:

• Ithuba lokubamba iqhaza emakethe yezokuvakasha ekhulayo yaseMontenegro.
• Ukubuyiselwa okungenzeka kokuqasha ngokusebenzisa imisebenzi yamahhotela nezindawo zokungcebeleka.
• Ukuba ngumnikazi wezimpahla eziyinhloko endaweni ejoyina i-EU.

Izidingo Zokufaneleka

INtengrego ibeke imigomo ecacile necacile yokufaneleka ukuze kuqinisekiswe ubuqotho nobudumo bezinhlelo.

Izidingo eziyisisekelo

• Umfakisicelo kufanele abe iminyaka engu-18 noma ngaphezulu.
• Kumelwe ukuba akukho marekhodi obugebengu noma izijeziso zamazwe ngamazwe.
• Kumele inikeze umthombo wemali ovunyiwe.
• Kumelwe kudlule ukuhlolwa kokuphepha kukahulumeni nokuqapha okufanele.
• Kumelwe agcwalise izingxenye zombili zokutshala izindlu nomhlaba kanye nezinkokhelo.

Idokhumenti edingekayo

1. Ipasipoti kanye ne-ID kazwelonke.
2. Isitifiketi sokuzalwa kanye nezindatshana zomshado.
3. Isitifiketi sokuvunyelwa kwamaphoyisa ezweni lokuhlala.
4. Ubufakazi bokudluliselwa kwemali okusemthethweni.
5. Izitifiketi zezempilo nezokwelapha.
6. Ubufakazi bokuthenga noma bokwenza isivumelwano sezimpahla.

Abalingani beGlobalhenel iqhubeka inikeza usizo oluphelele ekulungiseleleni, ekuhumusheni nasekuhloleni imibhalo, iqinisekisa ukuthi amaklayenti ahlala ehambisana namazinga aseMontenegrini nawase-EU.

Inqubo Yokufaka Isicelo (Uhlaka Lwefa)

Inqubo Ukuba Isakhamuzi SaseMontago Ngokusebenzisa Imali kwaba lula futhi kusebenza kahle, ngezikhathi eziphakathi Izinyanga ezi-3 nezingu-6.

Isinyathelo 1: Ukuhlolwa Kwangaphambi Kokufika

Abalingani beGlobalhenel bahlola ukuthi bangakwazi yini ukufaka imali futhi bancoma isifunda sokutshala imali esifanelekayo.

Isinyathelo 2: Ukulungiselela Imibhalo

Yonke imibhalo esemthethweni yaqoqwa, yaqinisekiswa futhi yahunyushelwa olimini lwaseMontenegro.

Isinyathelo 3: Ukuqinisekiswa Kokutshala Imali

Abafakizicelo bagcwalisa umnikelo wesikhwama kanye nokudluliselwa kokutshalwa kwezimali kwezimpahla ezibonakalayo ngokusebenzisa ama-akhawunti e-escrow avunyelwe uhulumeni.

Isinyathelo 4: Ukulethwa e-Investment Agency yaseMontenegro

Isicelo esiphelele sathunyelwa ukuze kuhlolwe imvelaphi, kuhlolwe ngokucophelela futhi kuqinisekiswe ukuhambisana.

Isinyathelo 5: Ukuvunywa nokukhishwa kobuzwe

Lapho sekuvunyelwe, uMnyango Wezangaphakathi wakhipha Isitifiketi Sokuzalwa, kulandele ukukhishwa kwepasipoti.

Isikhathi Sokusebenza Nezindleko Ukubuka Okuphelele

Isinyathelo	Isikhathi	Izindleko Eziyinhloko
Ukubhalwa kwezindatshana	amasonto angu-2-4	Ukugunyazwa ngokomthetho, ukuhunyushwa
Ukuhlolwa Okufanele	amasonto 4-6	I-7 000-10.000 EUR
Ukubuyekezwa Kukahulumeni	amasonto angu-6-8	Izimali zokucubungula
Ukukhishwa Kwepasipoti	amasonto amabili	Ama-euro angu-300 kuya ku-500

Isikhathi esibekiwe esiphelele: Izinyanga ezingu-3-6.

Ububanzi obuphelele bokutshalwa kwezimali: I-EUR 350,000-550,000, kuye ngokuthi indawo yomsebenzi.

Okwenza Abatshalizimali Bakhethe INtengrego

INtengrego ihlanganisa ukuzinza kokuhlala kweYurophu nokufinyeleleka kwezezimali.Ihlanganisa iYurophu Ephakathi neMedithera, inikeza abatshalizimali ukufinyelela ezimakethe ezinkulu, amathuba ezokuvakasha, namathemba esikhathi eside e-EU.

Izizathu eziyinhloko ezenza abatshalizimali bakhethe iMontenegro:

• Ukukhula okuqinile kwezokuvakasha kanye nokukhula kwemakethe yezezakhiwo.
• Ukufinyelela okuqondile Ulwandle i-Adriatic namatheku.
• Ingqalasizinda yesimanje ngaphansi kwemisebenzi esekelwa yi-EU.
• Izinqubomgomo zentela ezikhangayo kanye nemvelo yebhizinisi.
• Amandla esikhathi eside okuhamba kweSchengen ne-EU.

Isifundo Senkinga: Abatshalizimali BaseYurophu eMontenegro Osonxwemeni

Ngo-2022, abatshalizimali abaningi baseYurophu naseMpumalanga Ephakathi basondela Abalingani beGlobalhenel ukuqinisekisa Ubuzwe baseMontagro kanye nokutshalwa kwezimali kwezezakhiwo ngaphambi kokuvalwa kohlelo ngokusemthethweni.

Abaningi babeqhutshwa yiM Montenegro Indlela yokujoyina i-EU futhi izindlu nezindlu ezingabizi uma kuqhathaniswa neNtshonalanga Yurophu.

Ithimba lethu lenza lula ukutshalwa kwezimali ezindaweni ezisogwini eduze naseBudva naseTivat, ngokucophelela okukhulu. Amaklayenti athola ngokuphumelelayo amapasipoti awo kungakapheli izinyanga ezinhlanu futhi kamuva awasebenzisa ukuze anikezwe amalungelo okuhamba kanye nezinzuzo zebhizinisi zebhange.

Qaphela: Ngisho nangemva kokuvalwa kohlelo, labo abaqedile ukutshalwa kwezimali okuvunyelweyo basaqhubeka bebhekwa ngaphansi kohlaka lobuzwe olusemthethweni.

Indawo Ebhekene Nezimali Nezimali

INtengrego inikeza enye yezinhlelo zentela ezivumelana kakhulu nezinkampani eYurophu.

Izici ezibalulekile:

• Intela engenayo yomuntu siqu: 9-15%.
• Intela yenkampani: 9% (inani elilinganayo).
• Ayikho intela yendabuko noma yentela yesipho ngokudluliselwa kwemali okuqondile komkhaya.
• Izivumelwano Zokukhokhisa Kabini emazweni angaphezu kuka-40.
• Ukufinyelela Amanethiwekhi asebhange e-EU kanye nengqalasizinda yezimali ezinzile.

Abatshalizimali bayazuza emithethweni ecacile, umthwalo omncane wentela kanye namalungelo okugcwalisa ukubuyiselwa kwemali.

Amathuba Okuhlala Nezezakhiwo Ngemva Kuka-2022

Ngemva kokuvalwa kohlelo lwe-CBI, i-Montenegro iyaqhubeka nokunikela ukuhlala ngokutshala imali futhi imvume yokuhlala enegunya ezihlinzeka ngezinzuzo ezifanayo, ezihlanganisa ukuhlala isikhathi eside okuvuselelekayo kanye nokulungela ukuba yisakhamuzi.

Indawo yokuhlala ngokutshala imali:

• Ukuthengwa kwezakhiwo ezincane: EUR 250,000.
• Ubufakazi bokuthi unemali eqinile futhi unembile.
• Imvume yokuhlala evuselelekayo enenketho yokuhlala unomphela ngemuva Iminyaka emihlanu.

Abalingani beGlobalhenel kusiza abatshalizimali ekuhleleni izinhlelo zokuhlala nezokutshala imali ezihambisana nezinqubomgomo zezinhlangano zezinhlangano zezinhlangano zezwe zaseManttenegro ezishintshayo.

Ukuqhathanisa Nezinye Izinhlelo Zokutshalwa Kwezimali ZaseYurophu

Izwe	Ukutshalwa Kwezimali Okuncane	Isimo se-EU	Isikhathi Sokucubungula	Inzuzo Eyinhloko
INtengrini	Ama-euro angu-350 000	Umlandeli we-EU	Izinyanga ezi-3-6	Ukufinyelela kweYurophu okungabizi
IMalta	Ama-euro angu-750 000	Ilungu le-EU	Izinyanga ezingu-12 kuya kwezingu-18	Ukuba yisakhamuzi esigcwele se-EU
Portugal	250 000 EUR	Ilungu le-EU	Izinyanga ezingu-6 kuya kwezingu-12	Indawo yokuhlala ye-Golden Visa
IGrisi	250 000 EUR	Ilungu le-EU	Izinyanga ezingu-4-6	Indawo yokuhlala engaphansi kwempahla
I-Turkey	USD 400 000	Ezingezona ezase-EU	Izinyanga ezingu-4-6	Ukuvunywa kwesakhamuzi okusheshayo

INtengrego ihlala ingenye yezinhlelo ezifinyeleleka kakhulu futhi ezakhiwe ngokomthetho eYurophu, ikakhulukazi kubatshalizimali abafuna amandla okuhlanganisa i-EU.

Amaphutha Avamile Abafakizicelo Okufanele Bayakugweme

• Ukusebenza nabaxhumanisi abangakaqinisekiswa.
• Ukutshala imali ekuthuthukisweni kwezimpahla ezingavunyelwe.
• Ukulethwa kwemibhalo engaphelele noma engakaqinisekiswa.
• Izinsuku zokudluliswa kwezimali ezilahlekile.

Qaphela: Ngesiqondiso seGlobalhenel Partners, zonke izimali kanye nezicelo zilandela izindinganiso ezisemthethweni ezimiswe yiziphathimandla zaseMontenegro, zilinganise izingozi futhi ziqinisekise ukuvunywa okuphumelelayo.

Imibuzo Evame Ukubuzwa

1. Ingabe uhlelo lwe-Montenegro lwezizwe lusalokhu luvulekile?

Uhlelo olusemthethweni luvalwe ngo-2022, kodwa izinketho zokuhlala ezisekelwe ekutshalweni kwemali zisaba khona.

2. Ngingasathola yini ubuzwe baseMontenegrina?

Yebo, ngokuhlala isikhathi eside kanye nokutshala imali ngaphansi kohlaka lwezomthetho olukhona lwaseManttenegro.

3. Ngidinga ukuchitha malini?

Ngaphambilini, u-EUR 350,000-550,000 ngaphansi kohlelo lwe-CBI; izinketho zamanje zokuhlala ziqala ku-EUR 250,000.

4. Ingabe iMontenegro iyakuvumela ukuba nobuzwe obubili?

Yebo, ngaphansi kwecala elithile lokuvunywa kwamazwe amabili noma elikhethekile.

5. Kuthatha isikhathi esingakanani ukuthola ubuzwe ngokuhlala?

Ngemva kweminyaka emihlanu yokuhlala njalo, abatshalizimali bangafaka isicelo sokuzalwa.

6. Yiziphi izinzuzo ezibalulekile zokutshala imali eMontenegro?

Umnotho ozinzile, izintela eziphansi, ukukhula kwezokuvakasha kanye nezinzuzo ezingaba khona zokujoyina i-EU.

7. Ingabe umndeni wami ungafakwa?

Yebo, umlingani womshado nezingane ezizisekayo zingafakwa ezifakazelweni zokuhlala noma zobuzwe.

Qala Isicelo Sakho Namakhasimende E-Globalhenel

Abalingani beGlobalhenel iqhubeka nokusiza abatshalizimali abafisa ukusungula izindlela zokuhlala noma zokuhlala isikhathi eside INtengrini.

Abeluleki bethu banikeza isiqondiso esiphelele – kusukela ekutholeni impahla engenamthungo nasekulungiseleleni imibhalo kuya ekubhaliseni ukuhlala nokuhlela isikhathi eside.

Siqinisekisa ukuhambisana ngokuphelele nomthetho, ukuphathwa kokutshalwa kwezimali okucacile, nokuhambisana ngamasu namathuba e-EU esizayo eMontenegro.

Ukuxhumana Abalingani beGlobalhenel namuhla ukuze uqale uhambo lwakho lokutshala imali eMontenegro ngokuzethemba nangosizo lochwepheshe.