Ukuhlala eMalaysia Ngokusebenzisa Uhlelo Lokutshalwa Kwezimali: Isango Lase-Asia Ekuchumeni Isikhathi Eside

IMalaysia iye yathuthuka ngokuthula yaba enye yezindawo ezikhangayo kakhulu e-Asia kubatshalizimali bomhlaba wonke abafuna ukuhlala ngokuzinzile nokwanda kwebhizinisi. Ukuhlala eMalaysia ngohlelo lokutshala imali, ngokuvamile eyaziwa ngokuthi IMalaysia Ikhaya Lami Lesibili (MM2H) Isinyathelo sokuqala, sinikeza abatshalizimali, abathathe umhlalaphansi nosomabhizinisi indlela engabizi futhi ephephile yokuthola ukuhlala isikhathi eside emnothweni okhula ngokushesha.

Ngemuva kokuvuselelwa kwakamuva ngo-2024 nasekuqaleni kuka-2025, uhulumeni waseMalaysia ubuyekeze uhlelo lokudonsela abatshalizimali nabachwepheshe abasezingeni eliphakeme ngenkathi kugcinwa ukuguquguquka nokulula ukungena. Umphumela uhlelo lokuhlala olulinganisa indlela yokuphila, amathuba ebhizinisi, nokuvikeleka kwezezimali ezweni eliseNingizimu-mpumalanga ye-Asia.

Okwenza I-Malaysia Ibe Ukukhetha Okuhle Kwabathengisi Bomhlaba Wonke

Ukwanda kweMalaysia njengendawo yokuhlala yokutshala imali kubangelwa ukuxuba ingqalasizinda yesimanje, izindleko eziphansi zokuhlala, kanye nokuzinza kwezepolitiki. Ngomphakathi wayo wezinhlanga eziningi kanye nemvelo ekhuluma isiNgisi, ikhanga ababhalisi base-Asia nabaseNtshonalanga.

Izizathu Eziyinhloko Zokuthandwa KweMalaysia:

• Indawo engokoqobo phakathi kweSingapore, i-Indonesia neThailand.
• Imithetho eqinile yasebhange nezezimali ngaphansi kwebhange eliphakathi (iBank Negara Malaysia).
• Izinketho ezingabizi zokuthengwa kwezindlu nezamabhizinisi.
• Ukufinyelela kalula ezempilo kanye nemfundo yamazwe omhlaba.
• Isikhathi sokuhlala isikhathi eside kuze kube iminyaka eyishumi.

Qaphela: IMalaysia akuyona eyomhlalaphansi kuphela. Inqubomgomo kahulumeni ebuyekeziwe manje ikhuthaza osomabhizinisi, ochwepheshe bedijithali, nabantu abanenani eliphakeme ukuba benze iMalaysia ibe ikhaya labo lesibili ngokusebenzisa ukutshalwa kwezimali okwakhiwe.

Isakhiwo Sendawo Yokuhlala eMalaysia Ngokusebenzisa Uhlelo Lokutshala Imali

I- Ukuhlala eMalaysia ngohlelo lokutshala imali I-MOTAC, esebenza ngaphansi koMnyango Wezokuvakasha, Ubuciko, kanye Namasiko, ngokubambisana noMnyango Wezangaphakathi.

Izigaba Eziyinhloko Zokutshala Imali

1. Izimali ezifakwayo ezibhalwe phansi

• Ukufakwa okuphansi RM 1,000,000 (cishe ngama-USD 210,000) ebhange laseMalaysia.
• Abafakizicelo abaneminyaka engaphezu kwengu-50 ubudala, imfuneko RM 500,000.
• Ingxenye yemali (kufika ku-50%) ingase ikhiphe kamuva ukuze ithengwe ekhaya, inakekelwe ezempilo noma ithole imfundo yezingane.

2. Ukuthengwa kwezakhiwo

• Izikhalazo ezibhalwe ku-Notice of the Property RM 1 million noma ngaphezulu, ikakhulukazi eQuala Lumpur, ePenang, noma eJohor Bahru.
• Ukuba nomnikazi wezindlu zaseMalaysia kuqinisa ukuhlala isikhathi eside.

3. Ukutshala imali kwezamabhizinisi

• Ukuqalwa kwenkampani enenani eliphansi lenhlokodolobha ekhokhelwayo RM 1 million emikhakheni evunyelwe.
• Ikhuthaza ukudalwa kwemisebenzi kanye nokwenziwa kwemisebenzi emphakathini ngaphansi kohlaka lwezomnotho oluhlaza nolwenziwe yi-digital Malaysia.

Imithetho Ebuyekeziwe Ka-2025 Ye-Malaysia Residence Program

Ngemuva kokubuyekeza inqubomgomo ka-2024, iMalaysia yafaka ukuhlolwa kokuhambisana okuqinile nezigaba ezintsha ezihlukanisiwe ngaphansi kohlelo lwe-MM2H ukuqinisekisa ukubamba iqhaza kwangempela kwezimali.

Izibuyekezo ezibalulekile zika-2025:

• Isidingo semali engenayo yonyaka: Ubuncane RM 40,000 (cishe ama-USD 8,500) ngenyanga evela emithonjeni yaphesheya kwezilwandle.
• Ubufakazi bezimpahla eziyinkimbinkimbi: okungenani RM 1.5 million (cishe USD 320,000).
• Ukuvumelana nezimo ngokweminyaka: Izidingo eziphansi zokungenisa imali zabafakizicelo abaneminyaka engu-50 nangaphezulu.
• Inqubo yokukhokhela okufanelekile ethuthukisiwe ukuze kugwenywe ukusetshenziswa kabi.

Lezi zinyathelo zenza Ukuhlala eMalaysia ngohlelo lokutshala imali ukuthembeka futhi kuhlonishwa emhlabeni wonke ngenkathi kugcinwa ukufinyeleleka uma kuqhathaniswa nezindlela zokutshala imali zaseNtshonalanga.

Izinzuzo Zokuhlala eMalaysia Ngokutshalwa Kwezimali

Uhlelo lunikeza amalungelo okuhlala isikhathi eside nezinzuzo ezihlukahlukene zomuntu siqu nezemali.

Izinzuzo Eziyinhloko:

• Amandla avuselelekayo I-visa yokungena kaningi yeminyaka eyishumi.
• Ilungelo lokuphila, lokuba nomhlaba, nokuvula ama-akhawunti asebhange.
• Ukufaneleka kokufaka isicelo se-passport yokutholwa komuntu oshade naye, izingane nabazali.
• Ukufinyelela ezikhungweni zezempilo ezizimele ezihamba phambili nasemikhakheni yezizwe ngezizwe.
• Indawo ebonakalayo yebhizinisi nentela (uhlelo lwentela lwendawo).

Qaphela: Ngokungafani nezinhlelo zokuthola ubuzwe ngokutshala imali, isimo sokuhlala saseMalaysia asidingi ukulahla ubuzwe bakho bamanje.

Izinzuzo Zomnotho Nezendlela Yokuphila

IMalaysia ihlukile eNingizimu-mpumalanga ye-Asia ngenxa yokutholakala kwayo kanye nekhwalithi yokuphila. Amadolobha afana neKuala Lumpur, iPenang neJohor Bahru anikela ngemikhuba emihle, kuyilapho izifunda ezincane zinikeza ukuphila okuhlala kahle kwezindawo ezishisayo.

Izici Ezivelele Zomnotho:

• Ukukhula okuqhubekayo kwe-GDP okuyisilinganiso esingu-4.3% ngo-2024.
• Izithelo ezikhangayo zezimpahla ezibonakalayo (i-4-6% ngonyaka).
• Ingqalasizinda eqinile yedijithali ene-5G ezweni lonke.

Izici Zendlela Yokuphila:

• IsiNgisi esikhulunywa futhi sifundiswa kabanzi.
• Isimo sezulu esifudumele nokudla okuhlukahlukene.
• Ukufinyelela emabhishi, emahlathini emvula nasezindaweni ezisemadolobheni zanamuhla.

Lokhu kuhlanganiswa kokuphila kwekhwalithi kanye namathuba okutshala imali kubeka iMalaysia njengokukhetha okungokwemvelo kwabatshalizimali abafuna ukulinganisela phakathi kwezindleko kanye nokufinyelela komhlaba wonke.

Globalhenel Partners Ukuqapha Izitayela Zabatshalizimali

Ukwanda Kwezinhlelo Zokusebenzisa E-Asia NaseYurophu

Ezinyangeni ezingu-18 ezedlule, Abalingani beGlobalhenel Kwaba khona ukufinyelela okuphezulu kakhulu kwe-Central Bank yase-China, i-China, i-South Korea, kanye ne-European Union, futhi kwaba khona ukufinyelela okuphezulu kakhulu kwe-Central Bank yase-China, i-China, i-South Korea, ne-China.

Isibonelo Sabathengi Bethu Abesanda Kufika

Iklayenti elivela eHong Kong laxhumana neGlobalhenel Partners ngasekupheleni kuka-2024, lifuna isisekelo esiphephile somndeni walo nebhizinisi ledijithali. Ukuhlala eMalaysia ngohlelo lokutshala imali ngaphansi komzila wokufaka imali.
Kungakapheli izinsuku ezingu-60, isicelo samukelwa. Umkhaya wathuthela eKuala Lumpur, wabhalisa izingane zawo esikoleni samazwe ngamazwe, futhi wasungula inkampani yezinsizakalo ze-IT yesifunda.

Qaphela: Ithimba lethu lathola ukuthi isihluthulelo sempumelelo yabo kwakuwukulungiselela imibhalo yezezimali enembile, ubufakazi obuqinisekisiwe bezimali, nokumisa i-akhawunti yasebhange ehambisana neziphathimandla zethu zomthetho zaseMalaysia.

Inqubo Yokufaka Isicelo Isinyathelo Ngesinyathelo

Ukufaka isicelo Ukuhlala eMalaysia ngohlelo lokutshala imali kuhilela izinyathelo ezilula kodwa eziqondile.

1. Ukuhlolwa Kwangaphambi Kokufaneleka

Abafakizicelo baqinisekisa ukuthi bayakufanelekela ukuthola imali, umthombo wemali kanye nedokhumenti yangemuva.

2. I-Akhawunti Yasebhange Nediphozithi

Vula i-akhawunti yediphozithi ebekiwe ebhange laseMalaysia elivunyelwe futhi uthumele izimali ezidingekayo.

3. Ukulungiselela Imibhalo

• Ikhophi yephasiphothi.
• Izitatimende zebhange ezibonisa imali engenayo kanye nempahla.
• Isitifiketi sokuhlolwa kwempilo.
• Isitifiketi sokuvunyelwa kwamaphoyisa.
• Ubufakazi bokuthi ubhekene nesibopho somshwalense eMalaysia.

4. Ukufakwa kwezicelo

Faka ifayela eliphelele ku-MOTAC noma ngommeli onelayisense ovunyelwe.

5. Ukuvunywa Nokukhishwa Kwe-visa

Uma sebevunyelwe, abafakizicelo bathola I-visa yokufika kaningi enesikhathi esingu-10, okuvumela ukuba bahlale eMalaysia ngokubona kwabo.

Isikhathi sokusebenza: amasonto ayisithupha kuya kwayishumi.

Izinzuzo Zentela Nezezimali

AmaMalaysia uhlelo lentela yendawo Izakhamuzi zikhokhiswa intela kuphela ngemali engenayo ngaphakathi kweMalaysia.

Izindaba Zentela:

• Intela yenkampani: 24%.
• Ayikho intela yokufa.
• Ayikho intela yenzuzo yenzuzo ekuthengisweni kwezindlu eziningi.
• Ukukhululwa kwemali engenayo evela kwamanye amazwe ethunyelwe kubanikazi be-MM2H (ngokusho kwenqubomgomo yamanje).

Qaphela: Lokhu kwenza iMalaysia ibe enye yezinhlelo zokuhlala ezisebenza kahle kakhulu ezentela e-Asia, ezikhangayo ikakhulukazi kubantu abathathe umhlalaphansi, abanikazi bamabhizinisi nabatshalizimali abanezinsiza zomhlaba wonke.

Amathuba Emakethe Yezimpahla Ezingathengiswayo

Izindlu nomhlaba ingenye yezimoto eziqinile zohlelo lokuhlala lwaseMalaysia. Abezinye izizwe ngaphansi kwe-MM2H bavunyelwe ukuthenga impahla engaphezu kwemingcele ethile kuye ngokuthi isimo.

Isifunda	Inani Lokuthenga Elincane	Izindawo Ezithandwa Kakhulu
I-Kuala Lumpur	RM 1 million	Mont Kiara, Bangsar, KLCC
I-Penang	RM 800 000	ITanjung Tokong, iGeorge Town
IJohor Bahru	RM 1 million	U-Iskandar Puteri, eDanga Bay

Isilinganiso sokuthuthukiswa kwezindlu cishe singama-4% ngonyaka, kanti izidingo eziphakeme zokuqasha ezivela kubantu abavela kwamanye amazwe kanye nabafundi.

Ukuqhathanisa Nezinye Izinhlelo Zokuhlala E-Asia

Izwe	Ukutshalwa Kwezimali Okuncane	Isikhathi sokuhlala	Izinzuzo Zentela	Indlela Yokuba Isakhamuzi
IMalaysia	RM 1,000,000	Iminyaka eyishumi	Yebo	Cha, angizange ngikubuze.
IThailand	USD 250,000	Iminyaka engu-5-20	Umkhawulo	Cha, angizange ngikubuze.
ISingapore	USD 2,000,000	Iminyaka emihlanu	Umkhawulo	Kungenzeka
I-Philippines	USD 75.000	Ukuphila	Umkhawulo	Cha, angizange ngikubuze.

Ukulinganisela kweMalaysia kokutholakala kahle, ukuguquguquka kanye nenzuzo yentela kwenza kube kuhle kubatshalizimali bomhlaba wonke kanye nasempesheni.

Izinselele Namaqiniso Ngabafakizicelo

Naphezu kokudlulisa kwayo, Ukuhlala eMalaysia ngohlelo lokutshala imali kudinga ukuhambisana okuphelele.

Izinselele Ezivamile:

• Ukuqinisekiswa kwezindatshana nokuhumusha okulibazisayo.
• Ukuhlangabezana nesidingo semali engenayo yenyanga ngobufakazi obuvumelekile.
• Ukudideka ngemithetho ethile yombuso ephathelene nokuba ngumnikazi wezimpahla.

Qaphela: Ukubambisana nabeluleki abanolwazi abanjengo Abalingani beGlobalhenel kuvimbela ukubambezeleka okuningi futhi kuqinisekise ukusebenzisana okuphumelelayo neziphathimandla zendawo.

Ucwaningo Lwecala: Osomabhizinisi Bakha Isisekelo Southeast Asia

Ekuqaleni kuka-2025, umnikazi wezokuthutha waseYurophu waxhumana Abalingani beGlobalhenel Ngemva kokuhlola izinketho eSingapore nase-Indonesia, iMalaysia yabonakala ilungele kakhulu ngenxa yokusebenza kahle kwezindleko kanye nendawo yayo eyisisekelo.

Ngosizo lwethu, iklayenti labeka imali RM 1 million ngaphansi komzila webhizinisi, wathola imvume yokuhlala ngaphansi kwamasonto angu-9 futhi wabhalisa inkampani yezokuthekelisa eJohor Bahru – manje esebenza njenge-hub yokusabalalisa phakathi kweMalaysia neSingapore.

Indaba yabo ibonisa iphethini enkulu: abatshalizimali abafudukela eMalaysia ukuze bathole izindleko eziphansi nokufinyelela okubanzi kwezohwebo zesifunda.

Indlela Abalingani BakaGlobalhenel Abasekela Ngayo Abafakizicelo

Abalingani beGlobalhenel inikeza ukusekelwa okugcwele Ukuhlala eMalaysia ngohlelo lokutshala imali, kusukela ekubonisaneni kokuqala kuya ezenzweni zokusiza ngemva kokufika.

Usizo Lwethu Luhilela:

• Ukuhlolwa kwezimali nokulungela.
• Ukuqinisekiswa kwedokhumenti nokuhunyushwa.
• Ukuxhumana namabhange nama-ejenti aseMalaysia avunyelwe.
• Ukufakwa kwemvume yokuhlala nokuqhubeka nokuqhubeka.
• Isiqondiso sokuthengwa kwezindlu nokuthuthwa kwezindlu.

Ubuhlobo bethu obubanzi bezingxenye ezihlukene buqinisekisa ukuthi wonke amaklayenti athola ulwazi olunembile nolusheshayo oluhambisana nemithetho yaseMalaysia.

Qaphela: Amaklayenti amaningi ayeqale acabanga ngeThailand noma iSingapore kamuva akhetha iMalaysia ngemuva kokuba ithimba lethu lichaze isakhiwo esicacile nokonga izindleko okuhilelekile.

Imibuzo Evame Ukubuzwa (Imibuzo Evame Ukubuzwa)

1. Luyini utshalomali oluncane lwe-Malaysia lwenqubo yokuhlala?

Ukutshalwa kwezimali okuyisisekelo okuyisisekelo ku-RM 1,000,000 (cishe USD 210,000).

2. I-visa yokuhlala isebenza isikhathi esingakanani?

I-visa yokuhlala ye-MM2H isebenza iminyaka eyishumi futhi ingavuselelwa.

3. Ngingayifaka yini imikhaya yami kuleso sicelo?

Yebo, kungatholwa oshade naye, izingane (ngaphansi kweminyaka engu-21) nabazali (ngaphezu kwengu-60)

4. Ingabe kudingeka ngihlale unomphela eMalaysia?

Lolu hlelo luvumela ukuhlala okuguquguqukayo ngaphandle kwezidingo zokuhlala okuyimpoqo.

5. Ngingakwazi yini ukusebenza noma ukuqala ibhizinisi ngaphansi kwalolu hlelo?

Yebo, kodwa umsebenzi udinga imvume ekhethekile.

6. Kwenzekani uma ngikhipha idiphozi?

Kumele ugcine ibhalansi ephansi edingekayo ukuze i-visa iqhubeke isebenza.

7. Ingabe ukuthenga impahla kuyadingeka?

Cha, kodwa ukuba nekhaya kusekela ukuhlala kwakho nokuvuselelwa.

Qala Indawo Yakho Yokuhlala Yokutshalwa Kwezimali eMalaysia namaGlobalhenel Partners

I- Ukuhlala eMalaysia ngohlelo lokutshala imali Inikeza inhlanganisela ephelele yendlela yokuphila, ukuthengiseka, nokuvikeleka kwesikhathi eside. Kungakhathaliseki ukuthi ungumuntu osethathe umhlalaphansi, usomabhizinisi, noma umtshalizimali wedijithali, iMalaysia inikeza isisekelo esinokuthula nokufinyelela emhlabeni wonke.

Abalingani beGlobalhenel uye waqondisa amakhasimende angamakhulu ekufaka izicelo ngempumelelo ze-MM2H nezinhlelo ezifanayo zokuhlala e-Asia. Ithimba lethu elizinikele liphatha konke – kusukela ekubekeni idiphozi kuya ekuvunyelweni kwe-visa – ngokunemba nokwembulwa.

Xhumana neGlobalhenel Partners namuhla ukuze uqale uhambo lwakho lokuhlala eMalaysia futhi ujabulele izinzuzo zokuhlala nokutshala imali emakethe yase-Asia enokuthuthuka okukhulu.