Ama-NRI: Ingabe kuyabiza kakhulu ukuthatha imali ebolekiwe eNdiya noma e-UAE? | Aici


I-Dubai: Omunye wemibuzo evame ukuvela kwabakwa-Indian expats e-UAE ukuthi kuzuzisa kangakanani ukuthi ama-NRI akhethe ukubolekwa imali e-UAE futhi atshale imali e-India, esikhundleni sokuthatha imali ebolekiwe e-India.

Ngaphandle kokufinyelela okulula ngokuqhathaniswa kwezimali mboleko e-UAE, enye yezinzuzo ezibalulekile ukuthi amanani enzalo e-UAE aphansi kunalawo anikezwa amabhange e-India.

Naphezu kokuboleka okuphansi futhi kulula e-UAE uma kuqhathaniswa ne-India, ngisho nangemva kokucabangela umthelela wezinto eziningi, okuhlanganisa nokuguquguquka kohlobo lwemali, abahlaziyi banombono wokuthi kulula ukukusho kunokukwenza.

Ikhredithi Yesithombe: Pixabay

Kulula ukukusho kunokukwenza?

Ochwepheshe bayaqaphela ukuthi inzuzo ecacile iwukuba lula kokuboleka kanye nezinga lenzalo eliphansi ezweni. Kodwa akulula njengoba ifundeka.

Ngokombono, ukuboleka e-UAE ngamanani enzalo aphansi kanye nokutshala imali e-India ezimpahleni ezikhiqizayo eziphezulu kungaba nengqondo. Nokho, ngokwenza lokhu akulula kangako.

Ukuboleka okungavikelekile noma imalimboleko yomuntu siqu ngokuvamile ayishibhile futhi ukuboleka okuvikelekile kudinga isibambiso esizonikezwa. Ochwepheshe futhi bakhetha ukuthi kunzima ukunikeza izimpahla ezizinze eNdiya njengesivikelo lapha.

Ukushintshashintsha kwemali kuyingozi enkulu, futhi. Abatshalizimali bangase benze imali ezimpahleni ezinesivuno esiphezulu e-India kodwa bangase balahlekelwe uma i-Indian Rupee yehla ngokuqhathaniswa ne-UAE dirham.

Esinye isici okufanele sikhumbule izintela zaseNdiya. Nakuba imbuyiselo ephelele ingase ibe phezulu, isamba sembuyiselo yezintela ingase ingabi phezulu ngokwanele ukuze kuthethelelwe ukuboleka e-UAE nokutshala imali e-India.

I-Rupee

I-Rupee
Ikhredithi Yesithombe: Reuters

Kungani kufanele ngikhethe ukubolekwa imali yomuntu siqu e-UAE kunaseNdiya

Uma kuthathwa ngokwesimo sokunciphisa izilinganiso zenzalo, imali ebolekiwe yomuntu siqu e-India inenzalo ebangeni elingamaphesenti ayi-14 kuye kwayi-18 kuyilapho e-UAE ihluka ukusuka kumaphesenti ama-4 kuye kwayisi-6.

Imali mboleko yomuntu siqu e-UAE ngokusobala ishibhile kakhulu uma iqhathaniswa neNdiya nangokwezezimali, kunengqondo ukuthatha imali ebolekiwe e-UAE kunaseNdiya. Kodwa kungani?

Ngoba imali ebolekiwe ngama-dirham e-UAE, ekhonjwe edoleni laseMelika, kusho ukuthi abukho ubungozi bohlobo lwemali yokuthatha imali ebolekiwe ezweni ngamadola. Nakuba imali ebolekiwe ethathwe e-India iholela ekuhlanganisweni okuqhubekayo kwesikhundla nezindleko zokuguqulwa kwemali. Yingakho kushibhile ukuthatha imalimboleko e-UAE.

Indlela yokunquma impendulo ngokusekelwe kumazinga enzalo noma enzuzo

Ukuthatha imali ebolekiwe ebhange lakho le-UAE ngesidingo sezezimali ezweni lakini kungaba yinzuzo ngenxa yamazinga enzuzo aphansi athobela i-Sharia.

Kodwa-ke, njengenothi, ukuxhaswa ngezimali okuhambisana ne-Sharia akudingeki kuhlale kushibhile. Ezimweni eziningi, umehluko ungase ube ku-nomenclature kuphela. Izinga lenzuzo noma inzalo, ekugcineni okubalulekile izindleko zezimali.

Isibonelo, kumaNdiya angewona abahlali, izilinganiso zenzalo emalini ebolekiwe yomuntu siqu ethathwe e-India zingaba phezulu zifike kumaphesenti ayi-15, kube isilinganiso esingamaphesenti ayi-10 kuye kwayi-11 ngonyaka. E-Philippines, Isisebenzi Saphesheya kwezilwandle sase-Filipino (OFW) okungukuthi ophuma kwelinye izwe kungase kudingeke akhokhe cishe amaphesenti angu-25 noma ngaphezulu njengenzalo ngonyaka. Lokhu kungaphezu kwemfuneko evamile yokuba nesihlobo esiqondile esizinze e-Philippines njengoboleka kanye naye wemali mboleko.

I-rupee yaseNdiya

Ikhredithi Yesithombe: Pixabay

E-UAE, amanani enzuzo ngonyaka aphansi futhi anengqondo ngenxa yemithetho ye-Sharia ebusa ukusebenza kwezezimali ezweni, okuhlanganisa ukubhange nokuboleka. Ungathola imali mboleko engavikelekile yesilinganiso senzalo esingashintshi samaphesenti angu-5 noma ngaphansi e-UAE.

Izinga elimisiwe lamaphesenti angu-5 lisebenza kumaphesenti angu-9.25 ekunciphiseni ibhalansi. Nalapho amanani aphansi aphansi uma kuqhathaniswa nezimakethe ezisafufusa njengase-India nase-Philippines lapho izimali zivame ukwehla ngenxa yezisekelo zezomnotho ezibuthakathaka.

E-UAE, imali ikhokhwe edoleni futhi isekelwa amabhalansi aqinile angaphandle kanye nezinsalela zamanje ze-akhawunti. Okufanele akukhumbule umboleki nge-dirham ukuthi, unemali engenayo eyanele yesikhathi esizayo nge-dirham nanoma iyiphi enye imali enamandla ukuze akhokhele imali ebolekiwe.

I-Indian Rupee

Ikhredithi Yesithombe: Shutterstock

Yini okufanele ukwazi? Qonda izilinganiso zenzalo zangempela, izilinganiso zenzalo ezivamile kanye nokwehla kwamandla emali

Uma kungenjalo, umboleki uzithathela izinhlobo ezimbili zobungozi, njengengcuphe yemali kanye nenani lenzalo. Ingozi yemali iqala lapho imali yakhe yasekhaya iba buthaka futhi umthwalo wezikweletu uba mkhulu ngokwemali yasekhaya.

Ingcuphe yezinga lenzalo ingaba ngokoqobo uma amazwe edlula umjikelezo wokwenyuka kwezinga. Izilinganiso ze-Dirham zixhunywe ngokuqondile namazinga ebhange eliphakathi lase-US kanye namazinga aphakathi kwamabhange. Uma la manani enyuka, amanani ahlinzekwa amabhange endawo nawo ayakhuphuka. Lokhu kunyakaza akudingekile ngaso sonke isikhathi ukuba kulingane.

Amanani endawo awumsebenzi wezici ezifana nezindleko zezimali eziya kumabhange endawo, ukushoda kwezimali okuphelele ohlelweni kanye nesidingo semalimboleko.

WINA INDIYA RUPEE1-1579514756146

Ngakho-ke, uma sibuyela endaweni yethu yezomnotho yokuboleka lapha ukuze ukhokhele impahla e-India kuzoncika ezintweni ezinjengokubukeka kwezinga lenzalo ngesikhathi semalimboleko, indlela ebukeka ngayo imali, ukwazisa okungase kube khona kwempahla kanye nombono wokwehla kwamandla emali. Futhi ngaphezu kwakho konke, ikhono lomuntu lokuzuza ngemali eqinile ngesikhathi sokubolekwa imali.

Umqondo wezilinganiso zenzalo zangempela, izilinganiso zenzalo ezivamile kanye nokwehla kwamandla emali kufanele uqondwe ngaphambi kokuba umuntu athathe imali ebolekiwe yohlobo lwemali eqinile ukuze axhase ngezimali impahla noma atshale imali ezweni elisengozini yokuntengantenga kwezilinganiso zokushintshanisa.

Ngakho-ke, ngamanye amazwi, imalimboleko esheshayo nelula akudingeki ukuthi ihlale ishibhile futhi iyasebenza. Konke kuncike ezintweni eziningi njengoba kuchazwe ngenhla.

I-Indian Rupee

Ikhredithi Yesithombe: Shutterstock

Ngizifaka kanjani izinzuzo zezilinganiso zokushintshisana?

Ama-NRI angazuza enanini eliphezulu lemalimboleko futhi ajabulele izinzuzo zesilinganiso sokushintshisana esiphezulu lapho ekhetha ukubolekwa e-UAE futhi eyidlulisela e-India.

Kuma-NRI afuna ukubolekwa imali ukuze asetshenziswe e-UAE ngokwayo kungaba ngcono ukukhetha ukubolekwa imali e-UAE njengoba ethola izilinganiso zenzalo ezingcono futhi engadingi ukuba nezindleko zokuguqula uhlobo lwemali.

Izinga eliphakeme lembuyiselo evela kumadiphozithi asebhange e-India uma kuqhathaniswa ne-UAE, kanye nezinga eliphansi lokuboleka elinikezwa amabhange e-UAE kungase kubonakale kuyinketho enenzuzo enkulu ephepheni yokuthi ama-NRI aboleke izimali ku-UAE futhi atshale e-India.

I-rupee yaseNdiya

Ikhredithi Yesithombe: iStockphoto

Kodwa empeleni, ingozi yohlobo lwemali iyavela njengoba ukushintshashintsha kwezinga lokushintshisana kungase kuqede noma yiziphi izinzuzo ezizuziwe ngenxa yokuhluka kwamazinga enzalo.

Abeluleki bezezimali baphinde bangeze ukuthi izinga lempumelelo lama-NRI athola izicelo zemalimboleko liphezulu emabhange aseNdiya uma kuqhathaniswa namabhange e-UAE njengoba izidingo zokufaneleka ziqine kakhulu kwabaphuma kwamanye amazwe uma kuqhathaniswa nezizwe.

Izinga lenzalo elinikezwa amabhange ase-India livame ukuba phezulu kuma-NRI uma liqhathaniswa nezakhamuzi zendawo, okwethulwa icala elingaphoqelekile lokuboleka kumabhange aseNdiya njenge-NRI. Amanye amabhange aseNdiya nawo anemikhawulo efana nokuba nomuntu ohlala naye oyisibopho noma isibambiso ngenkathi ufaka isicelo semalimboleko.

Nakuba inzalo emalini ebolekiwe ebolekiwe iphansi e-UAE, isukela phakathi kwamaphesenti angu-3.75 kuya kwangu-6 – amanani ancishiswayo – kuyilapho okumisiwe kuphansi nakakhulu kusukela kumaphesenti angu-2-3.5. Ngokuqondene neNdiya, ububanzi buphakathi kwamaphesenti angu-9-12.

I-rupee yaseNdiya

Ikhredithi Yesithombe: Shutterstock

Ochwepheshe baxwayisa ama-NRI ngokubongwa kwe-rupee ngenkathi eboleka e-UAE futhi etshala imali eNdiya.

Izinzuzo zokukhetha ukubolekwa imali e-UAE izindleko zenzalo ephansi, imali ephansi yokucubungula kanye nokucubungula okusheshayo. Ngakolunye uhlangothi, ubugebengu buyinhlawulo ephezulu ekugedeni noma iyiphi inkokhelo ngokwezindleko eziphakeme kanye nokumangalelana ngaphezu kokuthathwa kwempahla. Umuntu akakwazi ukuphuma ngaphandle kwezwe, uma ehlulekile ukukhokha futhi angase abhekane nejele.

Okuhle kokukhetha ukubolekwa imali e-India ukugunyazwa kwemali mboleko kuba lula ukuyithola ekubeni imakethe yasekhaya, ngokudluliselwa futhi esikhundleni sendawo engagudluki. Ngakolunye uhlangothi, ukungalungi izindleko zenzalo ephezulu, ukubambezeleka ekugunyazweni kwemboleko – ngenxa yenqubo ehamba kancane noma ukuqinisekiswa.

Isinqumo: Thatha isinqumo sakho ngokusekelwe enanini lemali oyidingayo

Uma kuyimalimboleko yendawo, ungase ube ngcono ekutholeni imalimboleko njengoba indawo yakho izinze eNdiya. Kodwa uma ukwazi ukuhlangabezana nesidingo sakho samanje ngokuthatha imali ebolekiwe yomuntu siqu ezweni, ungase futhi ufake isicelo esisodwa e-UAE, ngemva kokufaka izindleko ze-forex, njengoba uhlela ukuthumela imali ekhaya.

Kodwa ingakanani imali ongayithola, uma unquma ukukhetha inketho yokugcina? Ngokwemithetho ye-UAE Central Financial institution, amabhange awakwazi ukunikeza imali mboleko yomuntu siqu ephindwe izikhathi ezingu-20 kumholo wanyanga zonke womuntu. Ngakho-ke, uma uhola u-Dh10,000 ngenyanga, imali ebolekiwe yomuntu siqu ephezulu ongakufanelekela ukuyithola ngu-Dh200,000.

I-rupee yaseNdiya

Ikhredithi Yesithombe: Pixabay

Kodwa akugcini lapho. Inani lemali ebolekiwe yomuntu siqu eliphezulu ongasifaka isicelo nalo lingaphansi Kwesilinganiso Somthwalo Wezikweletu (DBR). I-UAE Central Financial institution igunyaze ukuthi isakhamuzi sase-UAE asikwazi ukuba ne-DBR engaphezu kwamaphesenti angama-50. (isixhumanisi sendaba ye-DBR)

Lokho kusho ukuthi izitolimende zanyanga zonke ezihlanganisiwe emalini ebolekiwe akumele yeqe amaphesenti angama-50 omholo wakho wanyanga zonke. Ngakho-ke, uma uhola i-Dh10,000 ngenyanga, akumele ukhokhe ngaphezu kuka-Dh5,000 ezitolimendeni zezikweletu zanyanga zonke.

Ngokombono imali ebolekiwe enenzalo ephansi kakhulu ishibhe ngokuhamba kwesikhathi. Iningi lemalimboleko yezindlu ishibhile ngenyanga ngenxa yesikhathi sazo eside (imvamisa esiyiminyaka eyi-15 kuya kwengama-25) kanti kulindeleke ukuthi ukhokhe imali mboleko yakho ingakapheli iminyaka emi-5 kuya kweyisi-6.

Okungcono kuwe kuncike ezindlekweni zesakhiwo, uxhaso oludingekayo, ingakanani imali ongayigcina ngenyanga ukuze ukhokhele imali oyibolekile, futhi lokhu kuzosiza ekunqumeni ukuthi iyiphi engcono ecaleni lakho.

I-OPN 200913 STOCK AMARUPE E-INDIAN RBI

Ngokombono imali ebolekiwe enenzalo ephansi kakhulu ishibhe ngokuhamba kwesikhathi.

Nokho, ake sicabangele ukuqagela okumbalwa futhi siqhathanise lezi zimo ezimbili nomfanekiso.

Nawu umfanekiso ongakusiza wenze isinqumo sakho:

Ake sithi umhambi waseNdiya ozinze e-UAE uMnu X ufuna ukuthenga indawo e-India. Izindleko zendawo zingu-INR5 million (Dh246,380). UMnu. X udinga uxhaso lwezigidi ezingu-INR4 (Dh197,104).

UMnu. X ukhululekile ngokwezimali ukonga cishe u-$1,100 (INR81,992 Dh4,040) ngenyanga ngemva kokuhlanganisa ezinye izikweletu zakhe nezibopho zezimali. Kodwa wonke umqondo wokukhokha inzalo eyengeziwe nokuthi lokho kuzothinta kanjani ukonga kwakhe kumenza akhathazeke.

UMnu. X ukhuluma neBhange elizinze e-India ngemali mboleko yeminyaka eyi-10 kanye nenani lenzalo elingamaphesenti angu-9.9, kanye neBhange laseDubai lenkathi yeminyaka emine yamaphesenti angu-6 enzalo. Ake sicabange ukuthi uMnu. X uyafaneleka ukuthola imali ebolekiwe engu-INR1.88 million (Dh92,639) e-Dubai. Nansi indlela eyodwa uMnu. X angayenza ngayo:

Ngo-2021, uMnu. X kufanele axhase ngemali engu-INR2.2 million (Dh108,407) ebhange laseNdiya iminyaka engu-15 ngamaphesenti angu-9.9. UMnu. X kuzodingeka akhokhe u-INR23,506 (Dh1,158) ngenyanga ngale mali mboleko.

UMnu. X kufanele akhethe ukubolekwa imali yomuntu siqu engu-INR1.88 million (Dh92,639) iminyaka emi-4 ngamaphesenti angu-6. Lokhu kuzobiza uMnu. X INR42,273 (Dh2,083) ngenyanga, okuhlanganisa noMnu. X okhokha u-INR66,000 (Dh3,252) ngenyanga iminyaka engu-4 kusukela ngo-2021 kuya ku-2025.

I-rupee yaseNdiya

Ikhredithi Yesithombe: iStockphoto

Ngo-2025, imali ebolekiwe kaMnu. X e-Dubai yayizokhokha, futhi imali esele kumalimboleko yakho yomuzi wase-India izobe yehlile isuka ku-INR2.2 million (Dh108,407) iye ku-INR1.9 million (Dh93,624).

Manje njengoba imali yakho ebolekiwe yase-Dubai isiphelile, ungafaka isicelo senye imali ebolekiwe e-Dubai ye-INR 1.9 million (Dh93,624) ozoyisebenzisela ukuvala imali mboleko yakho yendlu e-India.

Le malimboleko kufanele ithathwe iminyaka emi-2 nezinyanga eziyisi-6. Inkokhelo yakho yanyanga zonke izoba INR67,860 (Dh3,343) kucatshangwa ukuthi usengayithola imali mboleko ngamaphesenti angu-6.

Ngemva kweminyaka engu-6.5 ubuyobe ususikhokhile sonke isikweletu sakho esingu-INR4 million (Dh197,104) futhi ubuyokhokha INR1.19 million (Dh5,863) ngenzalo ngenkokhelo eyisilinganiso INR66,500 (Dh3,276) ngenyanga.



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