Okuhlangenwe nakho kwakho nemindeni ekhiqizayo

Okuhlangenwe nakho kwakho nemindeni ekhiqizayo

1. Indaba yempumelelo ka-Umm Lama embonini yokudla kwasekhaya:
   • Indaba yempumelelo kamama okhiqizayo, Umm Lama, isisabalele embonini yokudla kwasekhaya.
   • Ngaqala ukulungiselela umkhaya nabangane ukudla okunempilo nokumnandi.
   • Wazuza udumo endaweni futhi wathola izicelo komakhelwane nabangane.
   • Wanquma ukwandisa ibhizinisi lakhe futhi waqala ukukhiqiza imikhiqizo yasekhishini yasendlini ngezinga lezohwebo.
   • Njengamanje, ikhiqiza imikhiqizo eminingana yasendlini efana nojamu, amasoso namakhekhe futhi ithengiswa kuma-governorates amaningana.
2. Indaba yempumelelo ka-Umm Ali ekwenzeni amaswidi endabuko:
   • Umm Ali waqala iphrojekthi yakhe yokwenza amaswidi esintu ekhaya.
   • Wayenekhono ekwenzeni amabhisikidi, amakhekhe, nama-maamoul, futhi izinga lawo laliphezulu.
   • Ithuthukise imikhiqizo yayo futhi ihlanganise izithako ezikhethekile ukunikeza amaswidi ayo ukunambitheka okuyingqayizivele.
   • Yaphumelela ukusabalala ezimakethe zendawo futhi yaqala ukuthumela imikhiqizo yayo kwamanye amazwe ama-Arab.
3. Indaba yempumelelo ka-Umm Ahmed embonini yezingubo zasekhaya:
   • Umm Ahmed wayethungela umndeni wakhe nabangane izingubo zasekhaya.
   • Wabona ukuthi kunesidingo esikhulu semikhiqizo yakhe futhi wanquma ukushintsha umsebenzi wakhe wokuzilibazisa ube ibhizinisi.
   • Yakha imiklamo emisha nenethezekile efanela imindeni yama-Arab yangaleso sikhathi.
   • Iphumelele ukuheha amakhasimende ayo yonke iminyaka futhi inikeze namathuba emisebenzi kwabesifazane abaningi abafuna ukusebenzela ekhaya.
4. Indaba yempumelelo ka-Umm Youssef ekwenzeni ifenisha eyenziwe ngezandla:
   • Umm Youssef uthole ithalente lakhe ekwenzeni ifenisha eyenziwe ngezandla.
   • Udala izingcezu eziyingqayizivele neziklanywe ngokucophelela esebenzisa amasu endabuko.
   • Imikhiqizo yayo isithandwa kakhulu futhi ikhula ngokufunwa.
   • Manje iye yanda ekukhiqizeni amatafula asekhishini, izihlalo namashalofu, futhi isebenza ukuhlangabezana nezidingo zezimakethe zasekhaya nezangaphandle.
5. Indaba yempumelelo ka-Umm Noura embonini yensipho yemvelo:
   • “Umm Noura” wayenentshisekelo yokwenza insipho yemvelo ngezithako zezitshalo namafutha anamakha.
   • Imikhiqizo yayo isatshalaliswa ezitolo zezempilo kanye nezitolo zemvelo.
   • Ihehe abantu abaningi futhi imikhiqizo yayo yaduma ngezinzuzo zayo zezempilo kanye nekhwalithi ephezulu.
   • Sekusabalale ezimakethe zama-Arab nakwamanye amazwe amaningi.

• Ngamafuphi, izindaba zempumelelo yemindeni ekhiqizayo zikhuthaza abanye ukuthi batshale imali emabhizinisini ezandla futhi baqashe amathalente ngamunye ukuze bahlangabezane nezidingo zezimakethe ezihlukahlukene.
• Ukujoyina Iphrojekthi Yemindeni Ekhiqizayo kungaba isiqalo esihle sokuzuza imali engenayo esimeme kanye nokwenza ngcono izimo zakho zomnotho.

Ingabe imikhaya ekhiqizayo iyabadinga abantu abanokwethenjelwa?

Ummeli u-Ibrahim Al-Hussein uveza ukuthi imindeni ekhiqizayo ayiphoqelekile ukuthi ithole ilayisense ethembekile lapho ikhangisa imikhiqizo yayo.
Ukwengeza, i-Audiovisual Media Authority kanye ne-General Media Authority bacacisa ezitatimendeni zabo ukuthi kunezimo ezilinganiselwe ezingadingi ukugunyazwa okuthembekile ukuze abantu ngabanye babhalise imindeni ekhiqizayo futhi balethe izikhangiso.
Ngokusebenzisa indlela yokuthola idokhumenti yokuzisebenza, ungabhalisa futhi uthumele isicelo selayisensi yomndeni ekhiqizayo.Uma lezi zinyathelo seziqediwe, uzonikezwa ilayisense yomndeni ekhiqizayo kanye nedokhumenti yokuzisebenza.
Lokhu kusho ukuthi ungakwazi ukwenza iphrojekthi yakho isebenze ngaphandle kwesidingo selayisense ethembekile, ikunikeza ithuba lokuxhasa ngezimali futhi wenze kusebenze umbono wakho wephrojekthi.
Yebo, kufanele uhlale uqinisekisa ukuthobela umthetho nemithetho yendawo ehlobene nomsebenzi wakho njengomndeni okhiqizayo.

Imalimboleko yemindeni ekhiqizayo ithatha isikhathi esingakanani?

Ukuthola imali ebolekiwe yemindeni ekhiqizayo kuthatha isikhathi esiyizinsuku eziyi-7 kuye kweziyi-10.
Lesi isikhathi esiphezulu esishiwo yiBhange Lokuthuthukiswa Komphakathi ukuze uthole imali ebolekiwe.
Lo mkhiqizo uhlinzekelwe ukusekela amaphrojekthi emindeni ekhiqizayo nezingcweti nezingcweti, ngokusebenzisa uxhaso lwezimali oluhlinzekwa ngabaxhumanisi bezezimali abasekelwa amaphothifoliyo okuxhasa ngezimali yibhange.
Imali Ebolekiwe Yemindeni Ekhiqizayo iyingxenye yesevisi yokuhlinzeka ngemalimboleko engenanzalo ezinkampanini ezisebenzisana namaphrojekthi amancane kanye nezakhamuzi zemisebenzi yezandla nemisebenzi.

Ingabe ukuxhasa imindeni ekhiqizayo ngezimali kudinga umuntu onesiqinisekiso?

• Ukuxhasa imindeni ekhiqizayo ngokuvamile akudingi ukuba khona komxhasi.

Ingabe ukusekelwa kwemindeni ekhiqizayo kuyabuyiselwa?

Lolu hlelo luhlinzeka ngoxhaso lwezezimali olungabuyiswa kubafaki zicelo nabanikazi bephrojekthi, njengoba bengathola uxhaso lwemali efinyelela ezinkulungwaneni ezingama-50 ngokusebenzisa abaxhumanisi bezezimali.
Ngaphezu kwalokho, lolu hlelo luhlinzeka ngosekelo lwanyanga zonke lwe-10% emindenini ekhiqizayo ehlangabezana nemibandela yokufaneleka, efinyelela kuma-riyal angu-4500 ngenyanga ngaphandle kokubuyiselwa kwemali unyaka owodwa.
Sekukonke, impesheni nemixhaso iyaqhubeka nokukhokhwa emindenini ehlomula kulolu hlelo iminyaka emithathu kusukela iqala umsebenzi wayo.
Iphinde ihlinzeke ngezimali mboleko ezingenanzalo kanye nokwesekwa kwezezimali okungabuyiseli emindenini ekhiqizayo, ngenhloso yokuxhasa nokuthuthukisa amaphrojekthi ayo.

Ingabe isitifiketi semindeni ekhiqizayo siyayithinta iwaranti?

• Isitifiketi Semindeni Ekhiqizayo siphakamisa imibuzo eminingi mayelana nomthelela waso kumalungelo abazuzi Bezokuphepha Komphakathi.

UMnyango Wezabasebenzi wachaza, nge-akhawunti yawo kuwebhusayithi yawo esemthethweni, ukuthi idokhumenti yokuzisebenzela yemindeni ekhiqizayo ayiphazamisi ilungelo lempesheni.

• Isitifiketi Semindeni Ekhiqizayo siyingxenye yezinzuzo nezinsiza ezihlinzekwa uMbuso Wase-Saudi Arabia ukuze zisekele futhi zinike amandla imindeni ekhiqizayo futhi ziyisize ekwenzeni umsebenzi wayo wokuthengisa.

Ngakolunye uhlangothi, uMnyango Wezabasebenzi ukuqinisekisile ukuthi ukuthola idokhumenti yokuzisebenzela kwabahlomulayo akuthinti ilungelo labo lempesheni.

• Ungasithola kanjani isitifiketi sokuzisebenza semindeni ekhiqizayo

• Uma ungumzuzi Wokuvikeleka Komphakathi futhi ungathanda ukuthola idokhumenti yokuzisebenzela yomndeni wakho okhiqizayo, ungalandela lezi zinyathelo ezilandelayo:

1. Vakashela iwebhusayithi Yezokuphepha Komphakathi.
2. Cela ukufinyelela ku-akhawunti yakho yomuntu siqu ohlelweni.
3. Thola inketho etholakalayo yokucela isitifiketi sokuzisebenza.
4. Khetha isigaba sesitifiketi sokuzisebenza bese ulandela imiyalelo ukuze uqedele isicelo.
5. Uma usuqedele i-oda lakho, uzoqondiswa kabusha ekhasini lokuqinisekisa i-oda.

• Ngemva kokuthola isicelo, sizobuyekezwa yiziphathimandla ezithintekayo futhi isitifiketi sokuzisebenza sizonikezwa umndeni okhiqizayo.

Kungashiwo ngokucacile ukuthi ukuthola isitifiketi semindeni esikhiqizayo akuwathinti amalungelo akho njengomzuzi wezokuphepha komphakathi.
Ngenxa yalesi sitifiketi, imindeni ekhiqizayo ingazuza ezinsizeni nasezinzuzweni ezinikezwa yona ukuze ithuthukise amabhizinisi ayo futhi ithole inkululeko.

Kungakanani ukusekelwa kwemindeni ekhiqizayo?

Inani lokusekelwa kwemindeni ekhiqizayo lincike enanini lemali eqoshwe kudatha yomfakisicelo, lapho inani lokusekela likhishwa ku-10% wemali enkulu.
Inani losekelo lomzuzi ngamunye liwukuthi inani losekelo elifunekayo lingeqi amariyeli ase-Saudi angama-54,000 ngonyaka.
Isikhathi senkokhelo yokwesekwa singafika ezinyangeni eziyi-18, njengoba ohlomulayo enegunya lokuthola inani lokusekelwa elingafika kuma-riyali ayi-1000 ngenyanga.
Uma inani lamalungelo omndeni okhiqizayo lingama-riyal aseSaudi angu-36,000, banelungelo lokuthola ukwesekwa kwanyanga zonke kwama-riyal angu-2,000 esikhathini esiyizinyanga eziyi-18.

Igunyazwa nini imali mboleko?

• Lapho isakhamuzi sifaka isicelo sokubolekwa imali yokuzisebenzela, kudingeka ukuthi sigcwalise wonke amadokhumenti adingekayo nokuthi ahambisana nezindinganiso zebhange.
• Ngemva kokufaka isicelo, ibhange lizosihlola futhi lisihlole ukuze lithathe isinqumo sokusigunyaza.
• Uma isicelo sesivunyiwe, inani lizokhishwa ku-akhawunti yekhasimende ukuze lizuze kuso ngokushesha okukhulu.

Yiziphi izimo zemikhaya ekhiqizayo?

• Imindeni ekhiqizayo idlala indima ebalulekile ekuthuthukiseni umnotho wendawo kanye nasekuthuthukiseni ukusimama kwezezimali kwemindeni.

• Izimo ezijwayelekile:

1. Ubuzwe: Umfakisicelo kumele abe ngowesizwe saseSaudi.

• Imibandela ehlobene nesitifiketi namadokhumenti:

1. Isitifiketi Semindeni Ekhiqizayo: Umfakisicelo kufanele alethe isicelo Sesitifiketi Semindeni Ekhiqizayo esebenzisa I-National Productive Families Platform.
2. Ubudala: Umfakisicelo kumele abe phakathi kweminyaka eyi-18 nengama-65 ubudala.
3. Umsebenzi oxhaswe ngemali: Umsebenzi oxhaswe ngezimali kufanele ube ngomunye wemisebenzi egunyazwe kumithethonqubo yomsebenzi wemindeni ekhiqizayo.
4. Umbhalo wokuzisebenza: Umfakisicelo kufanele abe nencwadi yokuzisebenza.
5. Imali engenayo yanyanga zonke: Imali engenayo yanyanga zonke yomfakisicelo akumele yeqe ama-riyal ayizinkulungwane eziyi-10.

• Amadokhumenti adingekayo:

1. Umbono wephrojekthi: Kufanele wethule umbono wakho wephrojekthi futhi uchaze ukuthi ungayixhasa kanjani ngezimali futhi uyisebenzise.
2. Isitifiketi seziqu zemfundo noma ukuqeqeshwa: Kufanele uhambise isitifiketi seziqu zemfundo noma ukuqeqeshwa komsebenzi ofisa ukuwenza.

• Qiniseka ukuthi uhlangabezana nayo yonke imibandela engenhla ngaphambi kokufaka isicelo.

Yimalini isikweletu sokuzisebenzela futhi siyimalini isitolimende?

• Inani lemalimboleko yokuzisebenzela liyahlukahluka kuye ngohlobo lwemalimboleko isakhamuzi esiyitholayo.
• Uxhaso lwemali lwamahhala lusukela phakathi kwezinkulungwane eziyi-18 namarayali ayizinkulungwane eziyi-120, kuyilapho ukuxhaswa ngezimali kufinyelela kuma-riyal ayizinkulungwane ezingama-300 uma kwenzeka enye imali.
• Uma inani lezezimali lingu-36,000, isitolimende sama-riyal angu-600 siyakhokhwa ngenyanga, futhi uma inani lezimali lingama-riyal ayizinkulungwane ezingu-32, isitolimende siba ama-riyal angu-700 ngenyanga.

Ngisikhansela kanjani isicelo semalimboleko ekhiqizayo yemindeni?

Ukuze ukhansele isicelo Semalimboleko Yemindeni Ekhiqizayo, ungalandela lezi zinyathelo ezilandelayo: Okokuqala, ngena ngemvume ku-akhawunti yakho yasebhange lesikweletu kuwebhusayithi Yenkundla Kazwelonke Yemindeni Ekhiqizayo noma ngewebhusayithi yokuzisebenza.
Bese, ngena ngemvume Kuphothali Yemindeni Ekhiqizayo bese ubhalisa bese uthumela isicelo Selayisense Yomndeni Ekhiqizayo.
Lapho kukhishwa ilayisense yomndeni ekhiqizayo kanye nedokhumenti yokuzisebenza wena, uzothola isevisi yokukhansela isicelo ekuvumela ukuthi ukhansele isicelo esithunyelwe nge-elekthronikhi.
Kuyaphawuleka ukuthi ngaphambi kokukhansela i-oda lakho, kuhle ukuhlola imigomo nezimfuneko zale sevisi bese uphendula noma yimiphi imibuzo evamile mayelana nezinqubo zokukhansela i-oda.
Ungavakashela iwebhusayithi ukuze ubuke ulwazi olwengeziwe futhi ulandele izinyathelo ezithile zokukhansela isicelo semalimboleko ekhiqizayo yemindeni.