Uhlelo Lokuthatha Umhlalaphansi eMalta - Manje Lutholakala Kubazaleli be-EU nabangewona Ama-EU
Background
Kuze kube muva nje, uhlelo lweMalta Retirement lwalutholakala kuphela kubafakizicelo abavela e-EU, EEA, noma eSwitzerland. Manje isiyatholakala ku-EU futhi abangewona amazwe e-EU futhi yakhelwe ukuheha abantu abangaqashiwe kepha kunalokho bathola impesheni njengomthombo wabo ojwayelekile wokuthola imali.
Abantu abasebenzisa uhlelo lweMalta Retirement Programme, bangaba nezikhundla ezingezona ezokuphatha ebhodini yenkampani, ehlala eMalta. Kodwa-ke, bazovinjelwa ukuthi baqashwe yinkampani nganoma yisiphi isikhundla. Abantu abanjalo bangabandakanyeka emisebenzini ephathelene nesikhungo, ukwethembana noma isisekelo semvelo yomphakathi, ebandakanyeka emisebenzini yokuphana, yezemfundo, noma yocwaningo nentuthuko eMalta.
Izinzuzo zohlelo Lokuthatha Umhlalaphansi eMalta
Ngaphezu kwezinzuzo zokuphila esiqhingini saseMedithera, esijabulela izinsuku ezingaphezu kwezingu-300 zokukhanya kwelanga ngonyaka, abantu abahlomula ohlelweni lweMalta Retirement banikezwa intela ekhethekile.
- Inani elikhangayo lentela engu-15% likhokhiswa empeshenini ekhishwe eMalta. Inani eliphansi lentela ekhokhwayo ngu- € 7,500 ngonyaka kumhlomuli kanye ne- € 500 ngonyaka kumuntu ngamunye othembekile.
- Imali engenayo evela eMalta ikhokhiswa intela ngezinga eliphansi le-35%.
Ngubani Ongafaka Isicelo?
Abafakizicelo abahlangabezana nale mibandela elandelayo banelungelo lokufaka isicelo sohlelo lweMalta Retirement Programme:
- Abangewona amaMalta.
- Ungumnikazi noma uqashe impahla eMalta njengendawo yakhe eyinhloko yokuhlala emhlabeni. Inani eliphansi lesakhiwo kumele libe yi- € 275,000 eMalta noma i- € 220,000 eGozo noma eningizimu yeMalta; ngenye indlela, impahla kufanele iqashwe okungenani ama- € 9,600 minyaka yonke eMalta noma ku- € 8,750 ngonyaka eGozo noma eningizimu neMalta. Abafakizicelo abaqasha indawo kumele bathathe isivumelwano sokuqasha isikhathi esincane sezinyanga eziyi-12, futhi ikhophi yesivumelwano sokuqashisa idinga ukuhanjiswa nesicelo.
- Impesheni etholwa eMalta kumele okungenani ibe ngu-75% wemali ekhokhwayo yomhlomuli. Lokhu kusho ukuthi umzuzi angathola kuphela kufika ku-25% wemali yakhe engenayo ekhokhiswayo evela kunoma yiziphi izikhala ezingezona ezokuphatha, njengoba kushiwo ngenhla.
- Abafakizicelo kumele babe ne-Global Health Insurance futhi banikeze ubufakazi bokuthi bangakugcina lokhu isikhathi esingapheli.
- Umfakisicelo akumele aphathwe eMalta futhi akumele abe nenhloso yokulawulwa eMalta, eminyakeni emihlanu ezayo. I-Domicile isho izwe lapho unekhaya ngokusemthethweni ngokusemthethweni noma onoxhumano olukhulu nalo. Ungaba nezindawo zokuhlala ezingaphezu kwesisodwa, kodwa indawo yokuhlala eyodwa kuphela.
- Abafakizicelo kumele bahlale eMalta okungenani izinsuku ezingama-90 onyakeni ngamunye wekhalenda, kulinganiswe ngaphezu kwanoma yisiphi isikhathi seminyaka emihlanu.
- Umfakisicelo akumele ahlale komunye amandla ngaphezu kwezinsuku eziyi-183 kunoma yimuphi unyaka wekhalenda phakathi nesikhathi abahlomula ngaso ohlelweni lweMalta Retirement Programme.
Abasebenzi Basekhaya
'Abasebenzi basekhaya' umuntu obehlinzeka ngezinsizakalo zokunakekelwa kwezempilo ezinkulu nezijwayelekile, ezelaphayo noma ezivuselelayo kumzuzi noma abondliwa nguye, okungenani iminyaka emibili ngaphambi kwesicelo sesimo sentela esikhethekile, ngaphansi koHlelo Lomhlalaphansi lwaseMalta.
Izisebenzi zasendlini zingahlala eMalta nomzuzi, endaweni efanelekile.
Lapho ukunakekelwa kungazange kunikezwe isikhathi esincane seminyaka emibili, kodwa kuye kwanikezwa njalo isikhathi eside futhi esimisiwe, uKhomishana waseMalta angase ahlole ukuthi le nqubo ifinyelelwe. Kubalulekile ukuthi ukuhlinzekwa kwalezi zinsizakalo kwenziwe ngokusemthethweni ngenkontileka yesevisi.
Izisebenzi zasendlini zizokhokhiswa intela e-Malta, ngamanani aqhubekayo ajwayelekile futhi azivimbelwe ekuzuzeni isilinganiso sentela esingu-15%. Izisebenzi zasendlini kufanele zibhalise neziphathimandla zentela ezifanele eMalta.
Ukufaka isicelo kuhlelo lweMalta Retirement
Okugunyaziwe Okubhalisiwe Okugunyaziwe eMalta kumele kufake isicelo kuKhomishani Wezezimali Zase-Inland egameni lomenzi wesicelo. Lokhu kwenzelwa ukuthi umuntu ajabulele isimo sentela esikhethekile njengoba kunikezwe ohlelweni. Imali yokuphatha engabuyiswa engu- € 2,500 ikhokhwa kuHulumeni uma ufaka isicelo.
IDixcart Management Malta Limited iyisibopho esigunyaziwe esibhalisiwe.
Abantu abanesimo sentela esikhethekile kudingeka ukuthi balethe imbuyiselo yaminyaka yonke kuKhomishani Wezezimali Zase-Inland, nobufakazi bokuthi bahlangabezane nemibandela ebekiwe.
Ulwazi Olwengeziwe
Uma ungathanda ukuthola eminye imininingwane maqondana nokuthatha umhlalaphansi eMalta, sicela ukhulume no UJonathan Vassallo: iseluleko.malta@dixcart.com ngesikhathi Ihhovisi le-Dixcart eMalta noma oxhumana naye ojwayelekile we-Dixcart.
Inombolo yelayisensi ye-Dixcart Management Malta Limited: AKM-DIXC
