Yintoni eyaziwayo malunga noPavel Durov? Ngokutsho kweForbes ngo-2018, le ndoda yayinemali eyi-1,7 yeebhiliyoni zeedola. Wayenesandla ekudaleni i-VK yenethiwekhi yoluntu kunye nomthunywa weTelegram, kwaye wasungula i-cryptocurrency yeTelegram Inc.. kwaye ibambe i-ICO ehlotyeni le-2019. UDurov naye washiya iRussian Federation ngo-2014, echaza ukuba wayengenanjongo yokubuya.
Kodwa ngaba uyazi ukuba kunyaka ongaphambili, uDurov wayelungiselele ngobulumko "enye indawo yendiza" ngokufumana ubumi bemali kwiCaribbean - ngokuchanekileyo kwilizwe laseSt. Ngenxa yezizathu ezininzi (ikakhulu ngenxa yokhuphiswano lwamaxabiso), inkonzo efanayo ngoku inexabiso eliphantsi kakhulu. Kutheni ungaziniki isipho kwaye ulungiselele isicwangciso "B" njengoDurov? Ngapha koko, ipasipoti yaseCaribbean ibonelela ngezinto ezininzi ezintle, nangona kukwakho izinto ezingeloncedo.
Ubumi ngoTyalo-mali eSt. Kitts naseNevis: isaphulelo
Ngo-2017, iNkanyamba uIrma noMaria yantlitha iCaribbean. Ilizwe laseSaint Kitts kunye neNevis nalo liyifumene. Iziseko zayo zezothutho, izikolo, izikhululo zamapolisa kunye nezinye izibonelelo ezibalulekileyo zonakaliswe kakhulu. Umonakalo owongezelelekileyo uqikelelwe malunga ne-150 yezigidi zeedola.
Ilizwe lalifuna imali yokwakha kwakhona. Ke ngoko, kwagqitywa ekubeni kukhutshwe ubumi bezoqoqosho ngesaphulelo. Ukuba ngaphambili umda wokungena wawuyi-250 yeedola (yiloo nto iDurov yanikela ngayo kwi-000), ngoko ngoSeptemba 2013 kwaba nokwenzeka ukufumana ubumi kunye nepasipoti yaseSt. .
Ekuqaleni kwakucwangcisiwe ukuba isaphulelo siya kufumaneka iinyanga ezi-6, emva koko ingxowa-mali ye-HRF iya kuvala kwaye amaxabiso abuyele kwinqanaba lawo langaphambili. Kodwa i-St. Kitts kunye ne-Nevis ayilona lizwe kuphela lesiqithi elinikezela ubumi ngotyalo-mali kunye nokuzama ukubuyisela kwixesha le-2017 ye-hurricane kunye nesixhobo esifanayo sezemali.
Ukuqaliswa kwe-HRF e-St. Kitts kunye nokuqaliswa kwesaphulelo kuye kwabangela ukuba amanye amazwe aseCaribbean akhuphe iipaspoti kubatyalo-mali ukuba bathathe amanyathelo afanayo. Ngenxa yoko, lathi lakuphela ixesha leenyanga ezintandathu zeHRF, kwagqitywa ekubeni kuyilwe iSustainable Growth Fund (SGF) esisigxina ngaphandle kokutshintsha elona xabiso liphantsi.
Ubumi ngotyalo-mali eSaint Kitts naseNevis: izinto ezilungileyo nezingalunganga (imingcipheko)
ISaint Kitts kunye neNevis Ubumi ngeNkqubo yoTyalo-mali yeyona indala kwiCaribbean nakwihlabathi. Yasekwa ngo-1984 kwaye kudala ilukhetho oludumileyo lwabantu abazizityebi. Namhlanje, le nkqubo isaqhuba ukuba lolona khetho lubalaseleyo kwabo bafuna ezinye iindlela zobumi babo bangoku. Kodwa ngaphambi kokufaka isicelo, kufuneka uhlolisise iingenelo kunye nokungalunganga.
| Плюсы | Минусы |
| Ixabiso lexabiso lisezantsi kunamanye amazwe amaninzi akhupha ubumi kubatyali-mali, kuquka iMalta, iTurkey, iCyprus kunye neMontenegro (ukuqaliswa kwenkqubo ehambelanayo kwilizwe laseBalkan kucwangciselwe ukuphela kwe-2019), | Ukuba ujonga ezinye iindlela, unokufumanisa ukuba zikhona nakwiiCaribbean. |
| Kweli lizwe, unokufumana ubumi ngokukhawuleza ukuba uhlawula ngaphezulu (jonga ngezantsi). Inkqubo eqhelekileyo ithatha iinyanga ezi-4-6, inkqubo ekhawulezayo ithatha iinyanga ezi-1,5-2. | Kuya kufuneka uhlawule imali eyongezelelweyo ukuqwalaselwa ngokukhawuleza kwesicelo nge-20 - 000 yeedola zase-US kumntu ngamnye obandakanyekayo kwisicelo. |
| Ipaspoti yaseSt. Kitts ilungile kubahambi kunye noosomashishini bamazwe aphesheya, ivumela uhambo lwasimahla lwe-visa (okanye nge-e-visa / ii-visa xa ufika) ukuya malunga ne-15 kumazwe kunye nemimandla, kubandakanywa amazwe e-Schengen, e-UK (nasemva kwe-Brexit) kunye Rhashiya. UDurov wabhala ngaphambili malunga nale nzuzo yepasipoti yaseCaribbean kwiphepha lakhe leVKontakte, . | Ilungelo lokuhamba simahla xa usiya kwilizwe elithile lisenokunyamalala. Kwenzeka into efanayo ngo-2014, xa abemi besiqithi baphulukana nelungelo lokundwendwela eCanada simahla. |
| Kwaloo Durov waphawula ukuba kunokwenzeka ukufumana incwadana yokundwendwela yaseCaribbean ukude: “Andizange ndiye eSt. | Ewe, ukufumana incwadana yokundwendwela kulula kakhulu. Kodwa unokuphulukana nayo ngokulula ukuba wenze impazamo enkulu okanye ubambe ulwazi xa ufaka isicelo sobumi kwaye kuvele kamva. Ukwenza ulwaphulo-mthetho olubi emva kokulufumana kunokukhokelela ekurhoxisweni kobumi bakho baseCaribbean. |
| Izibonelelo zepaspoti yaseSt. Kitts kunye neNevis ziquka umthwalo ophantsi werhafu. Ke, ilizwe alikaze libenayo irhafu yomntu kwingeniso yomntu evela kwimithombo ekwindawo yalo nakwamanye amazwe. Kananjalo akukho rhafu yenzuzo enkulu kwaye akukho rhafu yelifa/yesipho. | Ibhonasi ehambelana nokungabikho kwerhafu yengeniso yomntu ifumaneka kuphela kubahlali bemali yelizwe, enokuthi ifakwe kuphela xa uchitha ixesha elininzi lonyaka kwintsimi yayo. Ukongeza, iirhafu zinokunyuka nangaliphi na ixesha ukuba amagosa afuna imali ngokukhawuleza. |
| Umthetho waseSt. Kitts uvumela ubumi ababini, ngelixa abatyali-mali banokufaka izicelo zokundwendwela kweli lizwe ngokungaziwa - amagosa kwilizwe labo akayi kuyazi nto. | Kwamanye amazwe, ukuba nabemi abaninzi akuvumelekanga, yaye ukuba umntu osuka kwilizwe elinjalo ufumana incwadi yokundwendwela yaseSt. |
| Umntu wasemzini unokufumana ingeniso ye-passive ukuba uthatha isigqibo sokufaka isicelo sokuba ngummi ngokutyala imali kwi-resort real estate eSt. | Lo mmandla uhlala ubethwa zizaqhwithi ezinamandla, njengoko kuphawuliwe ngasentla, ezonakalisa okanye zide zitshabalalise iindawo ekuchithelwa kuzo iiholide nokunciphisa ukuhamba kwabakhenkethi. Ukongeza, ezinye iindawo ekuchithelwa kuzo iiholide azigqitywanga, zijika zibe “ziiphiramidi zemali”. |
| Emva kokufumana ubumi kuya kuba nako ukuvula ukwandisa isiseko somthengi wakho, okanye ubhalise isiqalo kulo mmandla werhafu ephantsi ngomrhumo oqhelekileyo. | Ukuvula iakhawunti yebhanki eneneni akulula kangako, ngakumbi ukuba ayivulwanga kwiidola zaseMpuma Caribbean (imali yendawo). |
| Inkqubo yobumi bezoqoqosho yelizwe ithathwa njengenye yezona zinamandla kwihlabathi, ivumela abatyali-zimali kunye neentsapho zabo ukuba bafumane iincwadana zokundwendwela iminyaka engaphezu kwamashumi amathathu. | Kungenzeka ukuba ukukhutshwa kweepaspoti kubatyalo-mali kuya kumiswa okanye iimeko zenkqubo echaphazelekayo ziya kuqiniswa okanye emva kokutshintsha korhulumente welizwe. |
| I-St. Kitts izama ukugcina ukungathathi hlangothi kwe-geopolitical, ukunikela ingqalelo elinganayo ekuphuhliseni ubudlelwane kunye neNtshona kunye neMpuma (ngokukodwa, kunye neRussian Federation). | Amazwe amaninzi aseNtshona afana ne-United States abeka uxinzelelo kwi-St. Kitts ukunyanzela iibhanki zendawo ukuba zenze iitshekhi ezongezelelweyo kwiimali ezinxulumene neprogram yobumi bezoqoqosho, okunciphisa inkqubo yokundwendwela. |
Ubumi ngoTyalo-mali eSt. Kitts kunye neNevis: yimalini kanye ekufuneka uyihlawule ukuze ufumane ipasipoti yaseCaribbean?
Inkqubo inikezela ngeendlela ezi-2 zokufumana ubumi kunye nepasipoti: umnikelo wenkxaso yamahhala okanye ukubuyisela utyalo-mali kwi-real estate e-St. Kitts naseNevis, evunywe ngabasemagunyeni.
| Inkxaso-mali | Utyalo-mali lwezindlu ezithengiswayo |
| Umfaki-sicelo kufuneka enze umnikelo wexesha elinye ongabuyiswayo we-150 yeedola kwiNgxowa-mali yoHlumo oluZinzileyo.
Intsapho yabane (umfaki-sicelo oyintloko kunye nabaxhomekeke kwi-3) banokufanelekela ukuba ngabemi malunga nomnikelo we-195 yeedola.
Iimali ezifunyenwe kwiminikelo zisetyenziselwa ukuxhasa impilo, imfundo kunye namandla ahlukile, phakathi kwezinye izinto. |
Olu khetho lubiza kakhulu, kodwa unethuba lokufumana umva uninzi lwemali oyityalile okanye wenze imali (ukuba urenta ikhaya lakho kunye/okanye ukunyuka kwamaxabiso). Kodwa khumbula ukuba utyalo-mali luvunyelwe kuphela kwiiprojekthi zophuhliso ezivunyiweyo.
Ukuba uthatha isigqibo sokutyala imali kwi-real estate, unokukhetha ukutyala i-200 yeedola kwinxalenye yendawo ekuchithelwa kuyo iiholide onokuthi uyithengise emva kweminyaka esixhenxe. Kule meko, kuya kufuneka ufumane umntu onengqondo efanayo olungele ukunikela ngesixa esifanayo kwi-asethi efanayo nawe. Enye inketho kukutyala imali eyi-000 yeedola kwipropati onokuthi uyithengise kwiminyaka emihlanu nje.
Olu khetho lunzima ngakumbi, kuba kuya kufuneka uhlawule ingqalelo eyongeziweyo ekukhetheni i-asethi kwiindawo zokuchithela iiholide ezingaphezu kwekhulu (uluhlu lwabo luyafumaneka kwi. iinkqubo), ukuphepha iiprojekthi ezingenakuthenjwa (zininzi zazo). |
Njengobuninzi bobumi ngeenkqubo zotyalo-mali, umnikelo okanye imbuyekezo yotyalo-mali iyodwa ayisayi kwanela ukufumana incwadana yokundwendwela. Kananjalo kuya kufuneka uhlawule imali eyongezelelweyo karhulumente.
| Imali eyongezelelweyo karhulumente | |
| Inkxaso-mali | Utyalo-mali lwezindlu ezithengiswayo |
| Ukuba ubandakanya abaxhomekeke ngaphezu kwesithathu kwibango leqela, kuya kufuneka uhlawule i-10 yeedola kumntu ngamnye oxhomekeke kuye, kungakhathaliseki ubudala. Oko kukuthi, ukuba kukho abantu abayi-000 kwisicelo, kuya kufuneka uhlawule i-6 yeedola zase-US (215 + 000 x 195). | Kukho umrhumo karhulumente we-35 yeedola zemvume yomenzi-sicelo oyintloko, i-$050 yeqabane lomfaki-sicelo oyintloko (ukuba ikhona kwaye ibandakanyiwe kwisicelo), kunye ne-$20 yakhe nawuphi na omnye oxhomekeke kumfaki-sicelo oyintloko wayo nayiphi na iminyaka (ukuba ikhona kwaye ifakiwe kwisicelo. ). |
| Nokuba yeyiphi na indlela yokuxhasa ngemali ekhethiweyo, i-$7500 iya kufuneka kumtyali-mali oyintloko ngenxa yemali efunekayo yokukhuthala kunye ne-$4 kumntu ngamnye oxhomekeke kwiminyaka eyi-000 ubudala. | |
| Kunokwenzeka ukukhawuleza ukuqhutyelwa kwesicelo kwisithuba esinye kunye nesiqingatha ukuya kwiinyanga ezimbini xa u-odola inkqubo ye-AAP (iNkqubo yokuFaka isicelo). Kule meko, umfaki-sicelo oyintloko uhlawula intlawulo eyongezelelweyo ye-$ 25 yakhe kunye ne-$ 000 kumntu ngamnye oxhomekeke kwiminyaka eyi-20 efakwe kwisicelo esihlangeneyo. Ukongezelela, nabaphi na abaxhomekeke kwiminyaka eyi-000 baya kuhlawuliswa i-$ 16 eyongezelelweyo ngomntu ngamnye xa befaka isicelo sepasipoti yaseSt. Kitts kunye ne-Nevis. | |
Ubumi ngotyalo-mali eSaint Kitts naseNevis: iphakheji yamaxwebhu kunye nenkqubo yenyathelo nenyathelo
I-Saint Kitts kunye ne-Nevis lelinye lamazwe ambalwa apho inkqubo yokufumana ubumi bezoqoqosho igqitywe ngexesha elimiselweyo. Xa ufaka isicelo sakho, amaxwebhu akho kufuneka abandakanye, kodwa angaphelelanga koku kulandelayo (uluhlu olupheleleyo lweefom kunye namaxwebhu anokufumaneka apha):
- Izatifikethi zokuzalwa zomenzi-sicelo kunye nomntu ngamnye oxhomekeke kuye;
- Isiqinisekiso sokungabi nangxelo yolwaphulo-mthetho evela emapoliseni (kufuneka singabi ngaphezu kweenyanga ezintathu);
- Iingxelo zebhanki;
- Ukuqinisekiswa kwedilesi;
- Ifoto kunye nesatifikethi sotyikityo;
- Isiqinisekiso sikagqirha esiquka iziphumo zovavanyo lwe-HIV kuye nabani na ongaphezulu kweminyaka eli-12 ubudala (akufunekanga sibe mdala kuneenyanga ezintathu);
- Ifomu yesicelo egcwalisiweyo ebonisa umnqweno wokufumana iwonga lokuba ngummi;
Nceda uqaphele ukuba awukwazi ukwenza isicelo sobumi ngokuthe ngqo kwabasemagunyeni. Oku kunokwenziwa kuphela nge-arhente yokufudukela kwelinye ilizwe evunyiweyo ngokuhlawula ikhomishini efanelekileyo ye-arhente. Iimali zemirhumo ye-arhente azilawulwa / zilawulwa ngurhulumente kwaye zinokuhluka ngokubanzi, kodwa ngokuqhelekileyo zifikelela kwi-20-30 yamawaka eedola zase-US.
Inkqubo yenyathelo ngenyathelo lokufumana ubumi boqoqosho, eqhutywa phantsi kobunkokheli besebe elichaphazelekayo le-CBIU (Ubumi ngeYunithi yoTyalo-mali), ibandakanya oku kulandelayo:
- Ukuqhagamshelana ne-arhente enelayisensi;
- Ukuqinisekiswa kwangaphambili komfaki-sicelo yi-arhente;
- Ukuqokelelwa kunye nokungeniswa kwamaxwebhu kwi-CBIU;
- Inyameko yomenzi-sicelo kunye nabo baxhomekeke kubo (kubandakanywa ukutshekishwa kwemvelaphi kuluhlu lwezohlwayo, izenzo zolwaphulo-mthetho kunye nemithombo yemali), edla ngokuthatha iinyanga ezi-2-5 (ukuba awuhlawuli ngaphezulu kwe-APP);
- Ukuba ukuqinisekiswa okusemthethweni kugqitywe ngempumelelo, kwaye ukutyunjwa komtyalo-mali oyintloko kunye nabaxhomekeke kuye (ukuba kukho) bavunyiwe, kuya kwenzeka ukuba utyalo-mali / unikele kwaye ukhuphe iipaspoti.
Kufuneka kuqatshelwe ukuba iSaint Kitts kunye neNevis ayikwamkeli okwangoku abafaki zicelo abavela kwiRiphabhlikhi yaseIraq okanye kwiRiphabhlikhi yaseYemen. Kungenzeka ukuba kwixesha elizayo "uluhlu olumnyama" lunokwandiswa.
Ubumi ngotyalo-mali eSaint Kitts naseNevis: endaweni yokuvalelwa
Ngokubanzi, sinokuthi kwakungelolize ukuba uDurov wakhetha iSt. Kitts kunye neNevis ngokufumana ubumi bezoqoqosho. Ilizwe linenkqubo esemgangathweni eneenkqubo ezisekiweyo. Nangona isenokungabi yeyona nto inexabiso eliphantsi, incwadana yokundwendwela yaseSt.
Ukuba ufuna ukufikelela simahla kwi-visa kuMbindi nakuMzantsi Merika, eYurophu okanye naseRashiya, olu lukhetho olukhulu. Ukuba ujonge inkqubo yobumi bezoqoqosho edumileyo, khumbula ukuba iskim sase-St. Kitts kunye ne-Nevis sesona sidala sisebenza.
Enye indlela okanye enye, ukhetho lolwakho. Ngaphambi kokufaka isicelo, kufuneka ulinganise i-pros and cons, kwaye, ukuba kunokwenzeka, udibane neengcali. Ukuba ufuna uncedo lokuqonda ukuba olu khetho lulungile okanye hayi, zikhululeke ukubuza imibuzo kwizimvo!
umthombo: www.habr.com