I-Golden Visa yasePortugal: Ukuqonda iNgxowa-mali yoTyalo-mali
Inkqubo yeGolide yeVisa yasePortugal iziqhelanise ukuhlangabezana nezinto eziphambili ngoqoqosho eziguqukayo, kunye notshintsho olubalulekileyo kude notyalo-mali oluthe ngqo lwezindlu nomhlaba. Namhlanje, enye yeendlela ezibalaseleyo nezidumileyo zokuhlala ePortugal kungotyalo-mali kwiimali ezifanelekileyo. Le ndlela inikezela ngendlela elawulwa ngobuchule, indlela eyahluka-hlukeneyo kutyalo-mali ngelixa ibonelela ngendlela ecacileyo yokuba ngabemi baseYurophu kunye nokuba ngabemi obunokubakho.
Ukunyuka koTyalo-mali kwiNgxowa-mali kwi-Golden Visa Landscape
Ukulandela utshintsho lomthetho, ngakumbi ngasekupheleni kuka-2023, ukuthengwa ngokuthe ngqo kwezindlu kunye neemali ezinxulumene nezindlu nomhlaba azisafaneleki ukufumana i-Golden Visa. Olu hlengahlengiso luwunyuse kakhulu umtsalane weengxowa-mali zotyalo-mali, nto leyo eyenza ukuba ibe yeyona ndlela ikhethwayo kubafaki-zicelo abaninzi. Ezi nkxaso-mali ziyilelwe ukuhambisa inkunzi kumacandelo anemveliso kuqoqosho lwasePortugal, ihambelane neenjongo zelizwe zokukhula kunye nokusungula izinto ezintsha.
Ukuqonda iNgxowa-mali yoTyalo-mali
Ukuze ufaneleke ukufumana i-Golden Visa ngengxowa-mali yotyalo-mali, abafaki-zicelo kufuneka benze utshintshiselwano lwenkunzi ubuncinane lwe-500,000 yeeyunithi zeengxowa-mali zotyalo-mali okanye iingxowa-mali ze-capital capital. Ezi mali kufuneka zihambelane nemimiselo ethile:
- Ugqaliselo lwezindlu ezingezizo: Ngokucacileyo, imali ayinakutyala ngokuthe ngqo okanye ngokungathanga ngqo kwi-real estate ngeenjongo zokuhlala. Iimali ezigxile kwamanye amacandelo afana nobuchwepheshe, amandla avuselelekayo, ezempilo, ezolimo, kunye namashishini ahlukeneyo ajolise ekukhuleni afanelekile.
- Ubhaliso lwesiPhuthukezi: Ingxowa-mali kufuneka ibhaliswe kwaye ilawulwe phantsi komthetho wasePortugal ngu Comissão do Mercado de Valores Mobiliários (CMVM), ikhomishini yokhuseleko lwentengiso yasePortugal. Olu lawulo lolawulo luqinisekisa ukungafihli kunye nokhuseleko lwabatyali-zimali.
- Ixesha Lokukhula: Izabelo okanye iiyunithi zengxowa-mali kufuneka zibe nobuncinane bokuvuthwa kweminyaka emihlanu ubuncinane ngexesha lotyalo-mali.
- Ugqaliselo loTyalo-mali lwesiPhuthukezi: Imfuneko ebalulekileyo kukuba ubuncinci i-60% yepotfoliyo yotyalo-mali yengxowa-mali kufuneka ibe kwiinkampani zorhwebo kunye nekomkhulu labo likwindawo yesiPhuthukezi. Oku kuqinisekisa ukuba utyalo-mali luxhamla ngokuthe ngqo kuqoqosho lwasePortugal.
IiNzuzo eziPhambili zeNgxowa-mali yoTyalo-mali
Ukukhetha ukhetho lwengxowa-mali yotyalo-mali kwiPortugal yeGolden Visa ibonelela ngeenzuzo ezininzi ezinyanzelisayo:
- Ukubandakanywa koSapho: Inkqubo yeGolide yeVisa inabela kumalungu osapho asondeleyo, kubandakanya amaqabane, abantwana abaxhomekeke kubo, kunye nabazali abaxhomekeke kubo, eqinisekisa indlela edibeneyo yokuhlala yaseYurophu.
- Ulawulo lobuNgcali kunye noDiversification: Inkxaso-mali ilawulwa ziingcali ezinamava ezifuna ngokukhutheleyo amathuba otyalo-mali athembisayo kumacandelo ngamacandelo. Olu longamelo lobuchwephesha lunokunciphisa umthwalo womtyali-mali ngamnye wokulawula ii-asethi ezithe ngqo kwaye lubonelele ngokwahlukana, okunokunciphisa umngcipheko xa kuthelekiswa notyalo-mali oluthe ngqo.
- Inkqubo Elula: Xa kuthelekiswa nokudalwa kweshishini ngokuthe ngqo okanye ulawulo lwepropathi yomntu ngamnye, utyalo-mali kwingxowa-mali kudla ngokubandakanya inkqubo yesicelo ethe tye, enomthwalo omncinci wolawulo emva kokuba kwenziwe utyalo-mali lokuqala.
- Akukho Lawulo luSebenzayo olufunekayo: Abatyali-mali akufuneki balawule ngokusebenzayo utyalo-mali olusisiseko okanye bathathe inxaxheba ngokuthe ngqo kwimisebenzi yeshishini. Le ndlela "yokukhupha izandla" ifanelekile kwabo bakhetha utyalo-mali olungenamsebenzi ngelixa bezama ukuhlala.
- Ukuguquguquka kunye neeMfuno eziNcinane zokuHlala: Njengezinye iindlela zeGolden Visa, ukhetho lotyalo-mali lwengxowa-mali lugcina imfuno enomtsalane yobukho obuqhelekileyo beentsuku ezisi-7 ePortugal ngonyaka. Oku kuvumela abatyali-mali ukuba bagcine indlela yabo yokuphila yangoku kunye nokuhlala kwirhafu ngelixa beqhubela phambili ngabemi basePortugal.
- Ukubanakho ukuBuyisa: Ngelixa eyona njongo iphambili ikukuhlala, iimali ezininzi ezifanelekileyo zijolise ekuveliseni imbuyekezo, zinika amandla okuxabisa inkunzi ngexesha lotyalo-mali. Ezinye iimali zinokunikezela ngembuyekezo kwangethuba, nangona kubalulekile ukuqonda imigaqo ethile yengxowa-mali kunye nezicwangciso zokuphuma.
- IziBonelelo zeRhafu: Ulwabiwo olwenziwe ziingxowa-mali ezifanelekileyo kubahlali abangabahlawulisi rhafu abachaphazelekayo abangamaPhuthukezi abahlawuliswa irhafu apho (ngaphandle kokuba kwindawo yerhafu yesiPhuthukezi). Kubalulekile ukuqonda ukuba iGolden Visa yinkqubo yokuhlala, kwaye ayibangeli ukuhlaliswa kwerhafu ePortugal (bona Apha ukufumana iinkcukacha ezithe vetshe malunga nokuhlala kwerhafu).
- Indlela eya kubuHlali be-EU kunye nobumi: Utyalo-mali lwengxowa-mali lukhokelela kwimvume yokuhlala yasePortugal, ukunika uhambo lokungena-visa ngaphakathi kwiNdawo yeSchengen. Emva kweminyaka emihlanu yokugcina utyalo-mali kunye nokuhlangabezana neemfuno ezisezantsi zokuhlala, abafaki-zicelo kunye namalungu osapho afanelekileyo banokufaka isicelo sokuhlala ngokusisigxina okanye ubumi basePortugal, befumana ipasipoti ye-EU.
- Qaphela ukuba iPalamente yasePhuthukezi iqalile ukuxoxa ngotshintsho olubalulekileyo kwimithetho yelizwe kunye nokufudukela kwelinye ilizwe, kuquka nokwandisa ixesha elifunekayo lokuhlala ubumi kunye nokuguqula indlela elo xesha libalwa ngayo. Ezi zilungiso zicetywayo, ezikwabandakanya iimfuno ezingqongqo zokumanyana kosapho, zisekwinqanaba lokuqala kwaye zisenokuhlaziywa..
- Ukubandakanywa koSapho: Inkqubo yeGolide yeVisa inabela kumalungu osapho asondeleyo, kubandakanya amaqabane, abantwana abaxhomekeke kubo, kunye nabazali abaxhomekeke kubo, eqinisekisa indlela edibeneyo yokuhlala yaseYurophu.
Iingqwalasela ezibalulekileyo kunye nemingcipheko
Ngelixa inomtsalane, indlela yotyalo-mali yengxowa-mali ikwanengqwalasela kunye nemingcipheko enokwenzeka:
- Utshintsho lolawulo: Njengoko sele kukhankanyiwe, urhulumente wasePortugal ujonge ngenkuthalo ekutshintsheni imithetho yabo yokufuduka kunye nobuzwe. Nangona iGolden Visas isenokungabi yeyona nto kujoliswe kuyo, izindululo zicebisa ukuba kungakho utshintsho oluzayo kwinkqubo yangoku.
- Umngcipheko weMarike: Njengalo naluphi na utyalo-mali, ixabiso leeyunithi zengxowa-mali lingaguquguquka ngokweemeko zemarike kunye nokusebenza kwee-asethi ezisisiseko. Abatyalomali kufuneka baqaphele ukuba imbuyekezo ayiqinisekiswanga, kwaye utyalo-mali oluphambili lusengozini.
- Utywala: Uninzi lweemali ezifanelekileyo ze-Golden Visa zivaliwe kunye nexesha elimiselweyo lokuvuthwa (ngokuqhelekileyo iminyaka eyi-6-10). Oku kuthetha ukuba inkunzi yakho iya kuvalelwa ixesha elide, kwaye iinketho zokurhoxa kwangethuba zinokulinganiselwa okanye zingabikho.
- Ukhetho lweNgxowa-mali: Ukukhetha ingxowa-mali efanelekileyo kubalulekile. Abatyali-zimali kufuneka baqhube ngocoselelo ngokucokisekileyo, baphonononge irekhodi yomphathi wengxowa-mali, indlela yotyalo-mali yengxowa-mali, imirhumo (ulawulo, ukusebenza, umrhumo), kunye nokuthobela ngokuthe ngqo kwengxowa-mali kwimigaqo yeGolden Visa.
- Iimpembelelo zeRhafu: Ngelixa abahlali abangarhafisi benokonwabela izibonelelo zerhafu kwiingeniso zotyalo-mali ezivela kwiingxowa-mali ezifanelekileyo, iimpembelelo zerhafu zinokwahluka ngokuxhomekeke kwiimeko zomntu ngamnye kunye nokuhlala kwerhafu. Ukubonisana nabacebisi berhafu ePortugal nakwilizwe lakho lasekhaya kubalulekile. 'Yabona Apha ngolwazi oluthe kratya malunga neziphumo zerhafu kutyalo-mali lwe-visa yegolide.
Inkqubo yokwenza isicelo
Inkqubo jikelele yokufaka isicelo seGolide Visa ngokutyalwa kwengxowa mali ibandakanya:
- Uhlaziyo kunye neNdlela eya kubuMmi: Iphepha-mvume liyahlaziywa rhoqo emva kweminyaka emibini, nto leyo ekhokelela ekubeni umntu afaneleke ukuba ngummi osisigxina okanye ubumi emva kweminyaka emihlanu.
- Uthethwano lwezomthetho nezezimali: Zibandakanye nabacebisi abakhethekileyo kwezomthetho nakwezemali ukuqonda iimfuno, ukuchonga iimali ezifanelekileyo, kwaye ucwangcise utyalo-mali lwakho.
- Fumana i-NIF kwaye uvule iAkhawunti yeBhanki yesiPhuthukezi: Inombolo yeSaziso seRhafu yesiPhuthukezi (NIF) ibalulekile, kwaye utyalo-mali kufuneka lwenziwe kwiakhawunti yebhanki yesiPhuthukezi.
- Khetha kwaye uTyale imali kwiNgxowa-mali enye okanye ezingakumbi eziQinisekisiweyo: Khetha ingxowa-mali elawulwa yi-CMVM ehlangabezana nazo zonke iimfuno ze-Golden Visa kwaye ihambelane neenjongo zakho zotyalo-mali.
- Qokelela Amaxwebhu: Qokelela onke amaxwebhu obuqu ayimfuneko, ubungqina botyalo-mali, iirekhodi ezicacileyo zolwaphulo-mthetho, kunye nobunye ubungqina obuxhasayo.
- Ngenisa isicelo: Isicelo singeniswa kugunyaziwe wokufudukela ePortugal (AIMA).
- Ukuqeshwa kweBiometrics: Yiya kwindibano yobuqu ePortugal ukubonelela ngedatha yebhayometriki kunye nokuqinisekisa amaxwebhu okuqala.
- Fumana iMvume yokuHlala: Emva kokuvunywa, imvume yokuhlala yokuqala ikhutshwe, isemthethweni iminyaka emibini.
Indlela yengxowa-mali yotyalo-mali iye yavela njengendlela esebenzayo nenomtsalane kubantu abafuna ukuhlala ePortugal ngenkqubo yeGolden Visa. Ngokunikezela ngolawulo lobuchwephesha, ulwahlulo, kunye nendlela ecacileyo yezibonelelo zaseYurophu, inika enye indlela enyanzelisayo kwabo bafuna ukutyala imali kuqoqosho oluguquguqukayo lwasePortugal. Nangona kunjalo, njengaso nasiphi na isigqibo esibalulekileyo sezemali, uphando olunzulu kunye nesikhokelo sobuchwephesha sihlala sinconywa.
Nceda uqhagamshelane neDixcart Portugal ngolwazi olungakumbi: ingcebiso.portugal@dixcart.com.
Qaphela ukuba eli nqaku lingasentla linokutshintsha ngokuqwalasela imithetho yokufuduka kunye neyobuzwe iphantsi koqwalaselo. Nceda udibane nolona lwazi luhlaziyiweyo.
