Malta’s Golden Visa programme, formally known as the Malta Permanent Residence Programme was formally enacted into law by means of Legal Notice 122 of 2021 in April of 2021 and further amended via Legal Notice 310 of 2024 and Legal Notice 146 of 2025. The introduction of the MPRP happened with the announcement of the restrictions of the Portugal Golden Visa and rumours of its possible closure. In February 2024, the Portuguese Prime minister announced that his government would end the Golden Visa Programme. Subsequently in October, the Portuguese President Marcelo Rebelo de Sousa confirmed the enactment of the ‘More Housing’ Bill with the intention of removing the option to invest in property as a way to apply for the golden visa programme in Portugal. Hence till today the Portuguese residence programme is still open for investors, without the option to invest in real estate. In order to be eligible to apply for the Portuguese Golden Visa, applicants are now required to invest at least €500,000 in a private equity fund prior to the submission of the application.
As a result, Malta presents the best alternative to Portugal’s golden visa programme for a number of reasons.
Comparison: Malta Golden Visa – Portugal Golden Visa
As a Schengen & EU member, Malta’s residence by investment programme has been a popular alternative for non-EU nationals seeking a safe European country which is centrally located in the Mediterranean Sea, making it an ideal base for travelling. Malta is also part of the Commonwealth as it was a colony of the UK until 1964. As a result Malta has two official languages, Maltese and English, making it effortless to communicate with locals on the island or in the instance of full relocation to Malta. Below you can find the main differences between Permanent Residency in Malta and the Golden Visa in Portugal.
Malta requires investment only on approval of the PR Application
One of the main differences between Malta and Portugal’s Golden Visa programme is that whilst in Portugal the investor would need to invest €500,000 in funds before the submission of the application, the investment is only required once the application is approved in Malta. In addition, Malta also grants the option to rent rather than purchasing a property.
The applicant is expected to visit Malta only on approval
Given that in Malta, the investor would need to rent or purchase a property only on approval, there is no requirement to visit before the issue of the letter of approval in principle. In fact, in Malta, the submission of the application is done by the licensed agent through a Power of Attorney. Once the letter of final approval is issued, the applicant would be invited to visit Malta in order to take photos and fingerprints for the residence card to be issued. In Portugal, the applicant would need to visit the country at the outset in order to open a bank account and to make the initial investment in funds. Moreover in order to renew the residence card, the applicant would be required to visit Portugal for at least 7 days in the first year and 14 days in subsequent years.
Malta grants Permanent Residence status immediately compared to a temporary residence permit issued in Portugal
The residence status issued by Malta under the Malta Permanent Residence Programme is immediate permanent residence from day one. Malta issues two documents on approval, one being a certificate of permanent residence without an expiry date, and secondly a residence card which is issued for five years and renewable indefinitely. This means that with a Malta PR, families are given the right to reside in Malta indefinitely from the moment of issuance of the residence certificate. In addition, Malta also offers applicants the option to request an immediate temporary residence card, while they wait for the PR application to be approved.
Portugal on the other hand gives a temporary residence permit which is initially issued for one year and then renewable for two-year periods. In order to maintain residency in Portugal the investor would need to spend at least 7 days in Portugal during the first year and 14 days during subsequent years.
Malta doesn’t require the purchase of a property. Rental of a Property is allowed to apply for Permanent Residence
In Malta, the applicant is given the option to rent OR buy a property. Only on approval, an investor under the Malta PR programme would need to purchase a residential property costing not less than €375,000 for a property located in Gozo or Malta. Alternatively, the applicant would on approval be required to rent a residential property for not less than €14,000 annual rent for a property situated in Gozo or Malta. The applicant is required to keep the qualifying property only for 5 years, however in order for the residence card to be renewed, the applicant would still need to have a property rented or purchased in Malta, without satisfying the minimum thresholds..
Malta requires applicants to provide evidence that they are economically self-sufficient unlike Portugal, in order to be eligible to apply for the Malta Golden Visa applicants would need to show possession of at least €500,000 worth of assets, out of which €150,000 shall be in the form of liquid assets such as money in a bank account or money invested in stocks or bonds. Applicants may alternatively opt to provide €650,000 in capital, with €75,000 of it needing to be in the form of financial assets. In Portugal, applicants are not asked to provide evidence of economic self-sufficiency.
Malta allows the inclusion of four family generations under one application
Under the MPRP, the main applicant may add in the same application the main applicant’s spouse in a monogamous marriage or in another relationship having the same or similar status to marriage; children (up to the age of 28) as long as they are not married and are still financially dependent on the main applicant, and parents/grandparents of both the main applicant and the spouse provided they are also financially dependent on the main applicant.
A special designated agency operates the Malta PR Programme
The Malta Permanent Residence Programme is administered by a designated agency called Residency Malta Agency with the sole responsibility to manage and promote Malta’s residence by investment programme. The Agency is also tasked to receive applications, to conduct due diligence on prospective applicants and to issue the residence cards and certificates. On the other hand the Portuguese Golden Visa Programme is administered by AIMA (Agency for Integration, Migration & Asylum) which is an agency responsible for all immigration matters in Portugal and for monitoring borders hence applications submitted under the Golden Visa programme are processed with other immigration programmes and not given a preferential treatment. As a result applications under Malta’s Golden Visa are processed within a six-twelve month period whilst applications under the Portugal’s Golden Visa sometimes take up to two years to be processed.
Requirements – Malta’s Golden Visa Programme
The Malta Permanent Residence Programme requires investors to satisfy three main requirements. The majority of the requirements are to be paid upon approval of the application. The three requirements are as follows:
1. Pay a one-time government administrative fee of €60,000 and a government contribution of €37,000 (An additional €7,500 government fee is due for each adult dependant child, parent and grandparent included in the same application), and
2. Rent a property in Malta or Gozo for €14,000 per year OR purchase a property for €375,000, and
3. Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.
From the above requirements, the applicant is only required to pay a non-refundable fee of €15,000 on submission of the application.
Benefits of Obtaining Malta Permanent Residency
• Having the right to settle, reside and work permanently in Malta
• Include all the family members in the application
• Enjoy visa-free travel within the Schengen Area and the right to reside in Schengen countries for 90 days out of 180 days
• Malta has a Mediterranean climate with mild winters and hot summers
• Cost of living in Malta is low compared to European countries with affordable housing, food and entertainment options
• English is an official language in Malta, making it an attractive destination for English speaking expats
• Malta has a rich cultural heritage and is home to many historical sites and landmarks
• Malta has a high quality of life with excellent healthcare, education and government services
Malta Permanent Residence Programme Application Process
The first step in order to apply for permanent residence in Malta involves the engagement of a licensed agent such as our firm with licence number AKM-ACCA. The applicant signs a Power of Attorney authorising the licenced agent to compile the documents and prepare the application forms for submission. An application is submitted by the licenced agent and the applicant is not required to be in Malta in order to submit an application. Once the required documents and application forms are submitted to the Residency Malta Agency, the applicant would need to pay a non-refundable government fee of €15,000, which is part of the final contribution. On receipt of the application and government fee, the Agency will start reviewing the application and conducting a due diligence exercise. Such process is expected to take 4-6 months, after which the letter of in principle approval is issued. Once the letter of in principle approval is issued the applicant is required to pay the remaining government fees, rent or purchase property and give a donation to charity. Once these requirements are fulfilled, the Residency Malta Agency issues a letter of final approval and the applicant would be required to visit Malta to give biometric data for the residence cards to be issued. Once this is done the applicant becomes a permanent resident of Malta for life.
Get in touch with us for more information about the Malta Permanent Residence Programme
With the EU moving to finalise a mechanism to suspend Schengen visa-free travel for Caribbean countries offering citizenship by investment, interest is shifting towards more secure alternatives within Europe. Residency by investment programmes are gaining ground as strategic options, offering residence rights in the EU without losing Schengen access. Among these, Malta’s Permanent Residence Programme (MPRP) stands out for its stability, transparency, and long-term benefits.
From Caribbean to Europe: A Shift in Global Mobility Strategy
The global investment migration landscape is shifting rapidly, since Caribbean citizenship by investment (CBI) programmes are under increasing scrutiny. This has been especially true following recent decisions by the European Union, the United Kingdom, and the United States to tighten their approach to visa waivers for countries offering citizenship with minimal genuine ties.
Meanwhile, the United States issued a travel ban memorandum naming Antigua and Barbuda, Dominica, St. Kitts and Nevis, and St. Lucia, citing concerns over citizenship grants without residency or genuine connection.
As the viability of Caribbean citizenship by investment programmes comes under increasing pressure, European residency by investment regulations, are gaining prominence as lawful and strategically sound alternatives. While the Schengen Area currently remains accessible to Caribbean passport holders, the situation may change with the European Union’s announcement of legislative reforms to tighten its visa policy.
EU Reform: The Updated Visa Suspension Mechanism
In April 2025, the European Council and Parliament reached a provisional agreement to revise the EU’s visa suspension mechanism. Originally introduced in 2013, the regulation allows the EU to suspend visa-free travel from third countries under specific conditions.
The updated regulation introduces broader grounds for suspension. Chief among them is the operation of investor citizenship schemes that offer nationality without genuine links or long-term commitments. The EU now has greater authority to suspend visa-free access for countries running such programmes, with initial suspensions lasting up to 12 months and potential extensions reaching 24 months.
Additional triggers include:
- Divergence in visa policy from EU standards;
- Weaknesses in document security and hybrid threats;
- Increased asylum claims or overstay rates;
- Deterioration in human rights or rule of law.
The Schengen Area: Europe’s Passport-Free Zone
The Schengen Area includes 29 European countries that have eliminated internal border controls, allowing passport-free movement for residents and eligible visa holders. Malta, a full Schengen member, grants visa-free access to residents under the MPRP for up to 90 days within any 180-day period across the entire zone.
As of 2025, Schengen includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
Malta’s MPRP: A Secure Route to European Residency
Unlike Caribbean citizenship programmes, Malta’s Permanent Residence Programme grants residence in a Schengen Member State. As a result, beneficiaries gain the right to reside in Malta indefinitely and can travel visa-free within the Schengen Area using their Maltese residence card together with their passport.
Malta has built a reputation for political and economic stability, a sound legal system, and a strong compliance culture. The country actively participates in EU and OECD anti-money laundering and financial transparency frameworks.
Key Requirements of the MPRP
To qualify for the MPRP, applicants must meet several legal, financial, and due diligence obligations:
- Government Contribution: €37,000.
- Government Admin Fee: €60,000 covering the main applicant, spouse and all minor kids. An additional gov. fee of €7,500 per adult child, parent, grandparent is also applicable.
- Property Requirement: Minimum annual rent of €14,000 or minimum purchase price of €375,000. The property must be retained for at least five years, and a qualifying property must always be maintained.
- Philanthropic Donation: A donation of €2,000 to a registered Maltese NGO.
- Financial Threshold: Applicants must declare assets of at least €500,000, with €150,000 in liquid financial assets. Alternatively, €650,000 in total assets, with at least €75,000 in liquid financial assets.
- Due Diligence: Applicants must undergo thorough background checks and demonstrate good conduct, along with sufficient stable resources to support themselves and dependants. In addition applicants must disclose their assets and provide evidence of source of wealth and funds.
What Makes MPRP a Standout Alternative?
For individuals seeking secure, long-term residency in Europe with the benefits of Schengen mobility, the MPRP offers a compelling value proposition:
- Lifetime permanent residency for the main applicant and family
- One streamlined application for the entire family unit
- Inclusion of children (unmarried, dependent, up to age 28) and financially dependent parents or grandparents
- PR retention even if children later marry or start working
- Future family rights, including spouses and children of the originally approved children
- Immediate issuance of temporary residence cards while applicants wait for their PR application to be processed
- Visa-free travel across the Schengen Area for 90 days in every 180 days
- Investment obligations payable only after approval
In light of the increasing regulatory scrutiny and the anticipated suspension of visa-free access to the Schengen Area, the legal certainty and mobility benefits historically associated with Caribbean citizenship by investment programmes are progressively diminishing. Consequently, investors prioritising stability, lawful access to the European Union, and long-term mobility are turning to more secure and compliant alternatives.
Malta’s MPRP provides such a solution with a clear, legal pathway to permanent residency, backed by strong due diligence, regulatory alignment, and continued access to the Schengen zone.
How We Can Assist
Our firm’s Immigration & Relocation Law department is Malta’s longest-standing team dedicated to investment migration. We have advised high-net-worth individuals, global entrepreneurs, and internationally mobile families on how best to achieve their goals through Malta’s residency solutions.
Our services cover all legal, administrative, and practical aspects of relocation—from programme eligibility and tax planning to education, housing, and health logistics.
Dr Priscilla Mifsud Parker, our Senior Partner and a licensed agent for the Malta Permanent Residence Programme (Licence No. AKM-ACCA), leads our team in providing clear, comprehensive advice tailored to your individual needs.
If you are looking for a long-term, Schengen-accessible residency solution that aligns with international standards, Malta’s MPRP could be your next strategic move.
Malta is about to become more connected than ever to the United States. Starting next summer, Delta Air Lines will operate direct flights between New York’s John F. Kennedy International Airport (JFK) and Malta International Airport (MLA), a development hailed as a major milestone for the island nation. The seasonal service, scheduled to run three times a week between June and October on a Boeing 767-300, will mark the first-ever nonstop connection between Malta and the United States.
For U.S. nationals considering applying for residence or citizenship in Malta, this new route makes the journey easier, faster, and more attractive.
A Boost for U.S –Malta Connectivity
The announcement underscores the growing cultural and economic links between Malta and the United States. Beyond tourism, the direct flight represents a bridge for business, education, and lifestyle migration a crucial factor for Americans seeking to establish themselves in Europe.
For years, U.S. nationals interested in Maltese residence or citizenship had to connect through hubs such as Turkey, London, Frankfurt, or Rome. With a direct route, Malta is no longer a hidden gem but a directly accessible gateway to Europe.
Growing Interest from U.S. Nationals in Malta Citizenship and Residency
Over the past few years, there has been a significant increase in U.S. clients applying for both the Malta Permanent Residence Programme (MPRP) and Citizenship by Merit in Malta.
Some of the key drivers behind this trend include:
- Global mobility and security – Maltese citizenship grants visa-free access to over 190 destinations, including the right to establish oneself in Europe.
- Lifestyle and climate – Malta’s Mediterranean weather, English-speaking environment, and safety make it a preferred relocation destination.
- Geopolitical considerations – Many Americans are seeking a “Plan B” to secure family futures and hedge against uncertainty.
Malta Residence vs Citizenship: Key Differences
For prospective applicants, the choice often comes down to residency versus citizenship:
- Maltese Residence (MPRP): grants the right to reside in Malta indefinitely, access to the Schengen Area for 90 out of every 180 days, and an opportunity to enjoy Malta’s lifestyle without giving up U.S. citizenship.
- Maltese Citizenship: goes further by granting full citizenship rights, including the ability to establish residence anywhere in Europe.
The introduction of direct flights strengthens the appeal of both options by making it easier for applicants to visit Malta, complete due diligence requirements, and maintain a closer connection to their new home.
Get in Touch
This direct link between the U.S. and Malta is more than a tourism initiative since it’s a strategic development for investors, entrepreneurs, and families looking at Malta as their European base.
With Malta positioning itself as a hub for international business, education, and culture, the timing of this route aligns perfectly with the growing number of U.S. nationals exploring Maltese residence and citizenship options.
If you are considering applying for Maltese residence or citizenship, this new connection may make your journey smoother both figuratively and literally. Get in touch with us for more information.
In recent years, the socio-political landscape in Lebanon has been marked by significant instability. Economic downturns, political uncertainty, and security concerns have compelled many Lebanese nationals to seek alternative options for a stable and secure future. Among these alternatives, the Malta Permanent Residence Programme (MPRP) has emerged as the preferred European residence solution for a different number of reasons.
A Safe Haven in the Heart of the Mediterranean
Malta, a member of the European Union and the Schengen Area, is renowned for its political stability, robust economy, and high quality of life. The island nation provides a safe and secure environment, making it an attractive destination for those fleeing regions of turmoil. For Lebanese nationals, Malta’s PR Programme offers a permanent residence status in a country that is both geographically and culturally accessible.
A Maltese permanent residence application can include up to four generations applying together in one application. The PR status becomes effective for all the family members immediately on application approval.
Economic and Financial Security
One of the primary benefits of Malta, is the economic stability it promises. Unlike Lebanon, which has faced severe financial crises and currency devaluation, Malta boasts a solid economy with a resilient banking sector. Permanent residents of Malta benefit from a favourable tax regime, including no wealth, inheritance, or property taxes, making it an appealing option for Lebanese investors and businesspeople looking to protect and grow their assets.
Access to the Schengen Zone
Obtaining permanent residence in Malta comes with the significant advantage of access to the Schengen Zone. Apart from the right to live in Malta indefinitely, under the MPRP Lebanese nationals can travel freely within the Schengen Zone with a maximum stay of 3 months in every 6 months. For businesspeople, this means enhanced commercial opportunities without having to secure a Schengen Visa for each trip.
A Streamlined Residency Process
The Malta Permanent Residence Programme is designed to be efficient and straightforward. Applicants must satisfy the following investment requirements:
- Pay a one-time contribution to the Government of €37,000 and a government administrative fee of €60,000 (an additional government admin fee of €7,500 per adult dependant child, parent and grandparent included in the application is also due), and
- Rent a property in Malta or Gozo for €14,000 OR purchase a property for €375,000 and
- Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.
Furthermore, the main applicant needs to declare and provide evidence that s/he is in possession of assets having a value of not less than €500,000 out of which a minimum of €150,000 shall be in the form of financial assets. Applicants may also opt to present a capital of €650,000, with at least €75,000 in the form of financial assets.
All the family members included in the PR application need to pass the necessary background checks and be deemed as fit and proper to proceed with an MPRP application.
The investments mentioned above are only required after the approval of the MPRP application. This makes the process transparent and well-regulated, ensuring that applicants can achieve residency status without unnecessary complications or delays.
Quality of Life and Cultural Affinity
Malta offers a high standard of living with a blend of Mediterranean charm and modern amenities. The country is known for its excellent healthcare system, diverse educational institutions, and a rich cultural heritage. For Lebanese nationals, the cultural similarities, such as the Mediterranean lifestyle, cuisine, hospitality and language resemblances, make Malta a comfortable and familiar environment to consider.
Long-Term Stability and Peace of Mind
In a region where uncertainty is the norm, the ability to plan for the long term is invaluable. Malta’s Permanent Residence Programme provides Lebanese nationals with peace of mind, knowing they have a secure and safe place to call home.
The Malta PR route route is especially appealing since applicants who submit their PR application, can immediately request a temporary residence card which allows them to live in Malta and to travel within the Schengen Zone, while they wait for their permanent residence application to be approved.
The stability Malta offers and the lifetime permanent residency status, allows families to focus on building their futures, whether through education, business ventures, or simply enjoying a higher quality of life.
At the same time, the Maltese Permanent Residence Programme does not impose any annual physical stay in Malta. This makes it easier for families who might seek PR as a Plan B for their families.
Conclusion
As Lebanon continues to navigate its challenges, the Malta Permanent Residence Programme stands out as a viable and attractive solution for Lebanese nationals seeking a safe harbour. The combination of economic benefits, possibility to relocate to Malta, access to the Schengen Zone, and a high quality of life makes Malta an ideal destination. For many Lebanese families, the MPRP is more than just a residency programme; it is a gateway to a brighter, more stable future.
An application under The Malta Permanent Residence Programme (MPRP) may only be submitted via the services of a licensed agent. ACC is a licensed agent in Malta and can assist with MPRP applications. (AKM-ACCA)
The island of Malta, with its strategic location in the Mediterranean Sea, attracts a number of non-EU nationals wishing to relocate or retire in a safe and stable country. Malta is a welcoming jurisdiction which offers a multicultural lifestyle, thereby attracting many high-net-worth expatriates who relocate with their families to the island. In addition, Malta is a member of both the Schengen Area and the European Union.
The country offers various residence programmes aimed at assisting foreign nationals wishing to attain a Maltese residence status. One of the prevalent residence options is The Malta Permanent Residence Programme (MPRP) which grants the applicants with Permanent Residence for life and can include four generations in one application.
ACC Immigration Advisors is a licensed agent by the Residency Malta Agency with Licence number AKM-ACCA.
To be eligible for the Malta Permanent Residence Programme, the applicant must satisfy the following financial requirements:
Government Administrative Fee
The applicant is required to pay a non-refundable government administrative fee of €60,000 per application (not per person). An initial payment of €15,000 is to be settled within one month of submission of application while the remaining €45,000 is settled within two months from receipt of Letter of in Principle Approval.
There is an additional government administrative fee of €7,500 to be paid for each adult dependant child, parent and grandparent, added to the same application.
Government Contribution
Another requisite is the payment of a government contribution amounting to €37,000 per family which is payable within eight months from receipt of Letter of in Principle Approval.
Donation to a Voluntary Organisation
The applicant needs to donate €2,000 to a local registered cultural, sport, philanthropic, scientific, animal welfare or artistic non-government organisation or society registered with the Commissioner for Voluntary Organisations.
Health Insurance
All applicants included in an MPRP application, must have a private health insurance policy. This health policy must cover all beneficiaries for a minimum of €30,000 per year and should cover full expenses for Malta.
Property Investment
Upon receipt of the Letter of in Principle Approval, an MPRP applicant needs to choose a qualifying property to rent or purchase. The chosen qualifying property is to be kept for 5 years. The property thresholds are outlined below:
Option 1 – Property Rental
- The applicant needs to spend a minimum of €14,000 rental per year when renting a property in Malta or Gozo.
OR
Option 2 – Property Purchase
- The applicant needs to spend a minimum of €375,000 when purchasing a property in Malta or Gozo.
Self Sufficiency
Furthermore, the main applicant for MPRP must show that he is in possession of at least €500,000 in assets, out of which €150,000 should be liquid assets such as stocks, bonds, publicly listed/traded shares, funds and bank deposits. As an alternative, the applicant may present a capital of €650,000, with €75,000 required to be in the form of financial assets.
Benefactor or Doner
If the MPRP main applicant cannot satisfy the financial requirements listed above, he can still submit an MPRP application as main applicant who is a supported by a donor or benefactor.
A donor is an individual who, at a certain point in time, has given a one-time donation which contributed to the accumulation of total wealth of the main applicant. On the other hand, a benefactor is an individual who is taking the responsibility to cover the financial requirements listed above that would qualify the main applicant as eligible for the issuance of the certificate of permanent residence in Malta. Both the donor and benefactor are screened by the agency’s due diligence process as the source of funds of the main applicant.
The MPRP programme is only open to Non-EU nationals with the exception of individuals who hold the nationality of Russia, Belarus, Afghanistan, North Korea, Iran, Democratic Republic of Congo, Somalia, South Sudan, Sudan, Yemen, and Venezuela.
A Malta Permanent Residence application can be submitted at Residence Malta Agency via a Licensed Agent.
ACC Immigration Advisors (Malta company registration number C-44042) is duly authorised to act as a licensed Malta agent and holds licence number AKM-ACCA.
The Malta Permanent Residence Programme (MPRP) is a route to obtain residence for non-EU nationals wishing to reside in Malta or to travel within the Schengen Area without the requirement of a visa. The MPRP is a residence by investment programme which is based on three main requirements, which are: an investment in property, a government contribution and a donation to a Maltese registered charity or NGO. The main benefit of the MPRP is that the programme is a straightforward one with applications processed within 6 to 12 months as long as the applicant satisfies all the eligibility requirements.
Which legislation regulates the MPRP?
The Malta Permanent Residence Programme was launched by means of Legal Notice 121 of 2021 and amended further via Legal Notice 310 of 2024 and Legal Notice 146 of 2025. This legislation lists down the eligibility criteria and requirements for non-EU nationals to obtain residence in Malta through the MPRP.
Is The Malta Permanent Residence Programme open only for non-EU nationals?
The MPRP is only available to Non-EU nationals. Currently the Malta residency agency is not accepting applications from nationals of Afghanistan, Belarus, North Korea, Iran, Democratic Republic of Congo, Russia, Somalia, South Sudan, Sudan, Yemen and Venezuela.
Will holders of MPRP be allowed to travel visa-free in the Schengen Area?
Beneficiaries of the MPRP may travel Visa-free to Schengen countries, and for a maximum period of 90 days within a 180-day period. The 29 Schengen countries are Austria, Belgium, Bulgaria, Czech Republic, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Sweden and Switzerland.
Do I need to satisfy all the investment requirements under the Malta Permanent Residence Programme?
The applicant must satisfy all the investment requirements and cannot choose only one of them. The applicant must thus: 1) invest in property, 2) pay a government contribution and admin fee and 3) give a donation to charity or an NGO.
How much is an applicant required to invest in property?
An applicant is only required to invest in property once a letter of approval is issued. This is different from the residence programmes of Portugal and Greece whereby the applicant is not able to submit an application without first purchasing a property.
In Malta, the applicant is required to either rent or purchase a property once the application is approved.
The applicant is required to rent a property for a minimum of €14,000 annually in Malta or Gozo.
If the applicant opts to purchasing a property, he is required to purchase a property for a minimum of €375,000 in Malta or Gozo.
How much is an applicant requited to contribute to the Government of Malta?
The Government contribution due amounts to €37,000 together with a Government admin fee of €60,000 per family.
An additional official admin fee of €7,500 for each adult dependant child, parent and grandparent also applies.
At what stage is the applicant required to pay the Government Contribution and Administration Fee?
The applicant is required to pay the €60,000 government admin fees as follows:
- €15,000 is to be paid within one month from the submission of the application.
- €45,000 is to be paid within two months from approval.
The government contribution of €37,000 is to be paid within eight months from when the letter of approval is issued.
Is the applicant required to pay additional fee for the spouse and children?
An additional government admin fee payment of €7,500 only applies for each adult child, parent and grandparent added to the same application.
How much is an applicant required to donate to a charity organisation?
Once the letter of approval is issued, the applicant is required to donate €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic non-governmental organisation or society registered with the Commissioner for Voluntary Organisations, or as otherwise approved by the Agency.
Which family members are eligible to be added in the same application of the Main Applicant?
The main applicant may include in the same application, the spouse, financially dependent and unmarried children (up to 28 years of age) and parents/grandparents of the applicant and/or of the spouse who are also economically dependent on the main applicant.
Would a child of the main applicant be entitled to free education in Malta?
Under the MPRP, a minor is not entitled to free education. However, if the main applicant or spouse acquires a work permit, the children would be entitled to free primary and secondary education in state schools.
Is the permanent residence permit valid for life?
The residence certificate issued under the MPRP is valid for life as long as all the programme obligations are adhered to. The residence card is valid for 5 years and renewed every 5 years.
Can the applicant first rent and then buy a property?
An applicant may opt to rent a property and then replace it with a purchased property. During the first 5 years the applicant is however not allowed to first purchase, and then rent a property.
For how long is the applicant required to keep the property in Malta?
The applicant is required to hold the qualifying rented or purchased property for at least five years.
If the applicants purchased the property, they can rent it out to third parties when they are not in Malta. If the applicants rented the property, they can sublet it to third parties after the first five years have lapsed and subject to landlord approval.
After the five-year period, the applicant is still required to have a property rented or purchased in Malta to retain the residence card.
Is the applicant required to prove that he is economically self-sufficient?
The applicant is required to show evidence that he is in possession of €500,000 out of which €150,000 should be in the form of financial assets. Alternatively, the applicant can show a capital in excess of €650,000 out of which €75,000 need to be in financial assets.
These amounts do not change according to the number of persons included in the application.
Liquid assets can be stocks, bonds, funds and bank deposits. Cryptocurrency does not qualify as financial assets.
For how long is the Applicant required to be in compliance with the economic self sufficiency requirement?
Monitoring of beneficiary’s €500,000/650,000in assets, out of which a minimum of €150,000/€75,000 need to be financial assets will be made yearly for the first 5 years.
Is the applicant required to have a Health Insurance Policy?
Under the MPRP, a health insurance policy is required. The health insurance should cover all beneficiaries for a minimum of €30,000 per annum and covering full expenses for Malta.
Is an applicant required to be in Malta to start the application?
The applicant is not required to be in Malta to submit an application, since an application can only be submitted by an Accredited Agent.
How can ACC Immigration Assist?
We are a licenced firm by Agenzija Komunita Malta, accredited to submit permanent residence applications on behalf of applicants. ACC holds licence number AKM-ACCA.
Applying for a second residence or citizenship in Europe has evolved from being an extravagant investment to a wealth and family management solution for Nigerian nationals. Nigerians are increasingly applying for the Malta Permanent Residence Program , where families can obtain the right to live in Malta, access the Schengen Area and enjoy better economic opportunities and education. Requests from Nigerian nationals wanting a residency in Europe have increased and it is becoming clearer that Nigerians are looking for better opportunities for their families. According to the World Bank, the majority of the young population in Nigeria are taking steps to emigrate from the country to be able to live, work, invest, study, and do business abroad.
The Malta Permanent Residence Programme grants permanent residence immediately. Investors can benefit from permanent residence for life and a residence card renewable every five years.
Political Stability and Security
The African continent is not new to social and political unrest, and families are therefore looking for countries offering a safe, peaceful, and stable environment. Obtaining residency in Malta through the MPRP offers the perfect alternative. The crime rate in Malta is relatively low and the country is considered as a very safe and stable country to live in. In addition, English is an official language in Malta and widely spoken so it is very easy to communicate with locals. In terms of political stability, Malta is a stable country with a democratic system of government. It has a strong economy and infrastructure and is a member of the European Union.
Education
One of the main reasons why Nigerians are increasingly applying for the Malta Permanent Residence Program and seek to move to Europe is because of educational opportunities. The Maltese government invests heavily in education and Malta has a well-built educational infrastructure which includes a mix of public, church, and private schools. Malta’s university (The University of Malta) attracts a large number of foreign students who come to Malta to acquire their bachelor’s degree or masters degree. Apart from the University of Malta, the country also has vocational institutes such as the Malta College of Arts, Science and Technology (MCAST). Nigerian nationals applying for Malta Permanent Residence can be rest assured that their children can receive good quality education from reputable public or private schools in Malta.
Better Business Opportunities
Nigerians have increasingly started applying for Maltese residency cards through the MPRP because there are better business opportunities in Malta and a higher chance for them to access the European market. Obtaining residency in Malta makes it easier for investors to register subsidiaries and open bank accounts in Europe, and hence one could do business with customers directly rather than rely on European partners. With a Maltese residency, applicants would also be able to live permanently in Malta and travel within the Schengen Area thus facilitating mobility which would help investors in attending business meetings and conferences in Europe, therefore avoiding bureaucratic visa processes & applications.
Investors from Nigeria who may suffer from infrastructure deficit and power cuts which can hinder their economic activity, have no issues to worry about as Malta offers a well-developed infrastructure and a good internet connection.
Global Mobility
Moving to Malta through the Permanent Residence Program (MPRP) not only allows applicants and their family members to enjoy life within Malta but also gives them a chance to travel visa-free within the Schengen Zone, which comprises of 29 countries. Nigerian passport holders don’t have the privilege of visa-free access to the Schengen Area and obtaining residency in Malta would facilitate travel to Europe.
Economic Stability and Employment
In Nigeria, inflation and economic disparity is on the rise. The Malta Permanent Residence Program provides an opportunity for Nigerians to live in a country with a stable economy and a good lifestyle. The steady growth in the Maltese economy led to various job opportunities in different sectors such as finance, healthcare, technology and hospitality.
MPRP Requirements
There are three main requirements, which all need to be fulfilled in order to acquire permanent residence through the Malta Permanent Residence Programme:
- Pay a one-time admin fee to the Government Agency of €60,000 together with a Government contribution of €37,000, and
- Rent a property in Malta for €14,000 OR purchase a property for €375,000 and
- Pay a donation of €2,000 to a local registered philanthropic, cultural, sport, scientific, animal welfare or artistic NGO.
In addition, the applicant needs to declare and provide evidence that he is in possession of assets having a value of not less than €500,000 out of which a minimum of €150,000 shall be in the form of financial assets. Alternatively, they may show a capital in excess of €650,000 out of which at least €75,000 shall be in liquid assets.
You can read more on the requirements and application process here.
MPRP Applications
Applications for residency in Malta are to be submitted by a licenced agent. Our firm has a wealth of experience in assisting applicants in obtaining residency and citizenship in Malta. So don’t miss this chance to contact us today and get to know more about your potential future as a Maltese resident or citizen in detail.
Malta has a number of residence programmes aimed at attracting non-EU/EEA nationals to obtain residence status in Malta. The various programmes range from those intended to confer the status of permanent residence to programmes giving a special tax status. To this effect Malta offers two main residency routes through the Malta Permanent Residence Programme (MPRP) and the Malta Global Residence Programme (GRP).
The main difference between these two programmes is that the Malta Permanent Residence Programme (MPRP) is a permanent residence programme whilst the Global Residence Programme (GRP) is a temporary one which mainly gives a special tax status.
Residence status obtained under the MPRP is valid for life, whilst the residence status obtained under the GRP is renewed on an annual basis subject to paying an annual tax. The GRP is therefore a tax residence programme granting tax residency whilst the MPRP does not automatically lead to a tax status in Malta. Under the GRP, a beneficiary is required to pay a minimum annual tax of at least €15,000 whilst under the MPRP there is no such requirement of paying an annual tax in Malta.
The Malta Global Residence Programme (GRP)
The Malta Global Residence Programme (GRP) is a tax residence programme conferring a tax status. Once the tax status is issued, the applicant can apply for a Maltese residence card. Beneficiaries of this status obtain the right to reside in Malta, and to travel within the Schengen Area without a visa. Beneficiaries also get the benefit of having their foreign source remitted income at a flat rate of 15%. Any income generated in Malta is however taxed at a flat rate of 35%.
There are three main requirements to participate under this programme:
- Pay a one-time government application fee of €6,000,
- Invest in a Property in Malta (either rental or purchase*),
- Pay a minimum annual tax of €15,000
*The Minimum Purchase value is of €220,000 and the Minimum Annual rent is of €8,750 annually.
Under this programme a main applicant can include the spouse, children who are under the age of 25, siblings and directive relatives in the ascending line provided that they are financially dependent on the Main Applicant.
Malta Permanent Residence Programme (MPRP)
The Malta Permanent Residence Programme (MPRP) is a permanent residence by investment programme for non-EU/EEA nationals granting a PR status within a period of 6-12 months. Beneficiaries of this status obtain the right to settle, stay and reside permanently in Malta and also the right to travel within the Schengen Area without a visa.
Applicants are eligible to apply under this programme if they show that they have capital of not less than €500,000 out of which €150,000 are to be financial assets. As an alternative, the applicant can show a capital of €650,000 out of which at least €75,000 are in financial assets.
There are three main requirements to participate under this programme:
- Pay a donation of €2,000 to a local philanthropic organisation,
- Invest in a Property in Malta (either rental or purchase*),
- Pay a Government Contribution of €37,000 and a Government Admin Fee of €60,000**
*The Minimum Purchase value is of €375,000 and the Minimum Annual rent is of €14,000 annually.
**An additional government admin fee of 7,500 is due for each adult child, parent and grandparent added to the same application.
Under this programme a main applicant can include the spouse and their parents, grandparents and unmarried children (up to the age of 28), as long as they are financially dependent on the main applicant.
Comparing the GRP & MRVP Programmes
| GRP | MPRP | ||
| Minimum Annual Tax | €15,000 per annum | Zero | |
| Tax Rate | 15% – Foreign Source Income 35% – Local Source Income |
0% – 35% | |
| Property Purchase | Central/North EUR275,000 South/Gozo EUR220,000 |
EUR375,000 | |
| Property Rental | Central/North EUR9,600 South/Gozo EUR8,750 |
EUR14,000 | |
| Minimum Stay in MT* | No min. stay | No min. stay | |
| Official Application Fee | €6,000 | €60,000 Admin Fee
€37,000 Contribution |
|
| Philanthropic Donation | Zero | €2,000 | |
| Dependants | Spouse, Children up to 25 years, brothers, sisters and parents (If financially dependent) |
Spouse, Children up to 28 years (if financially dependent ) + Parents & Grandparents |
|
| Application Process | 4 months | 6 months |
Why choose ACC Immigration?
The firm is a leader in Maltese immigration law and advises international families on all aspects of taxation, citizenship and residence law in Malta. The firm’s Maltese residence and citizenship law practice is led by founder Dr Priscilla Mifsud Partner who holds licence number AKM-ACCA-22.
Since Malta launched the Malta Permanent Residence Programme (MPRP) in 2021, a number of non-EU nationals understood the importance to have a permanent residence in a European country which grants the right to reside permanently in a chosen country.
Malta Permanent Residence Programme
The MPRP grants a permanent residence status within a period of 6-12 months from the submission of an application, making the Malta Permanent Residence Programme (MPRP) one of the most efficient residence programmes in Europe. In addition, the MPRP is unique in the sense that it is the only residence programme to grant permanent residence immediately. As a result, once an application under the Malta Permanent Residence Programme (MPRP) has been approved, the applicant and all qualifying family members can reside indefinitely in Malta and travel to the 29 countries forming part of the Schengen Area without a visa.
One of the main benefits of the Malta Permanent Residence Programme (MPRP) is that it allows the main applicant to include five generations in the same application. This family friendly measure is unique to the MPRP since other residence programmes (golden visas) in Europe impose some restrictions on the inclusion parents and grandparents.
Malta Permanent Residence Programme – Investment Options
The Malta Permanent Residence Programme MPRP offers prospective applicants two investment options to choose from. Applicants may either:
- Rent a Property, Pay a Government Contribution of €37,000 and Pay a Government Admin Fee of €60,000, or
- Purchase a Property, Pay a Government Contribution of €37,000 and Pay a Government Admin Fee of €60,00
Under both options, once an applicant is approved, a donation of €2,000 to a local charity is required, together with an additional admin fee of €7,500 for each adult dependant child, parent and grandparent included in the same application.
The MPRP is thus the only European residence by investment programme which allows the applicant to rent a property without having to purchase before applying for residency. In addition, the property can be leased/sublet to third parties (subject to some conditions) and all the above investments are only to be done once the application is approved and not at the outset.
Malta Permanent Residence Programme – Addition of Family Members
The MPRP is designed to allow the applicant to include a total of five generations. This includes:
- Main Applicant and the Spouse
- Parents of the Main Applicant and/or of the Spouse
- Grandparents of the Main Applicant and/or of the Spouse
- Children of the Main Applicant and/or of the Spouse (up to the age of 28 years, must be financially dependent on the Main Applicant)
- Future Grandchildren of the Main Applicant and of the Spouse
Malta Permanent Residence Programme – Efficient Process
Once an application is submitted, the government agency will run a four-tier due diligence check on the applicant and the source of funds. The applicants can request a temporary residence card while they wait for their application to be processed. A final decision on the application is taken within 6-12 months making this programme the most efficient residence by investment programme in Europe.
Visa Free Travel with the Malta Permanent Residence Programme
Malta is a member of the Schengen Area which is an area made of up 29 countries which abolished borders and allows for the unrestricted movement of people. By obtaining residence under the MPRP, the applicant and qualifying family members are allowed to travel freely within the Schengen Area and stay for 90 days within 180 days.
Right to live permanently in Malta as a Maltese Permanent Resident
The applicant and all qualifying members are given the right to live and settle in Malta for life without any restrictions. There are a number of reasons why applicants relocate to Malta including safety and stability and a pleasant climate with over 300 days of sunshine.
Malta is one of the safest countries to reside in the world. In addition, it is also an English-speaking country making it easy for expats to quickly settle on the island. Crime levels in Malta are exceptionally low in comparison with most EU countries making it the second safest country in the world and first in the EU according to a study carried out by the AfrAsia Bank Global Wealth Migration Review.
Malta Permanent Residence Programme (MPRP) – Full benefits list
The full benefits of obtaining residence under the MPRP can be summarised into the following:
- Malta is a member of the European Union (EU)
- Malta is a member of the Schengen Area
- Malta is a member of the Commonwealth
- Malta has one of the strongest economies in the EU
- Malta is economically and politically stable
- Malta’s official language is English
- Malta has the Euro (€) as its official currency
- Malta has a first-class health and educational system
- Malta enjoys one of the best climates in the world
How can we Assist?
Applications under the MPRP Malta Permanent Residency Programme can only be submitted through a Licenced Agent. Our firm is duly authorised by the Residency Malta Agency to submit residence by investment applications on behalf of applicants. ACC Immigration holds licence number AKM-ACCA. Get in Touch to learn more about the benefits of the Malta Permanent Residence Programme.
Malta Permanent Residence Programme
The Malta Permanent Residence Programme offers permanent residence in return for a property investment in Malta, a contribution to the government and a charity donation. Residency cards are valid for 5 years and can then be renewed indefinitely if the investor maintains an address in Malta (rented or purchased). The Malta Permanent Residence Programme is available to Indian nationals who are at least 18 years old, in good health, and who possess at least €500,000 in capital, out of which €150,000, must be in the form of liquid assets or a capital of €650,000 out of which €75,000 is in financial assets.
Malta as a Second Home for Indians
Indian nationals are showing great interest in foreign permanent residency programmes, more so for Europe in recent years. According to the Maltese Ministry of Foreign and European Affairs, there are 112 private investments from India in Malta. Any Indian investors interested in the Malta PR programme should feel consoled by the fact that there’s already a well-established Indian community of around 5000 in Malta, as estimated by the Indian Ministry of External Affairs. There’s no language barrier on the island, as all Maltese are fluent in English and all official communication is also done in English. The rich history of 7000 years and unique culture along with the covetable Mediterranean climate makes Malta the perfect place to call home.
Malta Permanent Residence Programme Investment Options for Indian Nationals
Indian nationals can opt for property purchase or property rental to qualify for the Malta Permanent Residence. One can either buy a property for at least €375,000 anywhere in Malta or Gozo. This property can be rented out to third parties for the periods where the applicant is not in Malta.
It is also possible to rent a property for a minimum of €14,000 annually, anywhere in Malta and Gozo.
The government contribution due amounts to €37,000, together with a government admin fee of €60,000. An additional admin fee of €7,500 is to be paid per each adult child, parents and grandparents.
Indian nationals are also required to donate a minimum of €2,000 to a local registered NGO. All investments and government contributions are to be paid on approval. The applicant only pays a fee of €15,000 on submission of the application which is then deducted from the contribution payable on approval.
Benefits of Malta Permanent Residence Programme for Indian Nationals
The Malta Permanent Residence offers multiple benefits to Indian nationals, the most important one being the automatic eligibility of the applicant’s family for the programme. Applicants can include their children (up to 28 years of age) as long as they are not married and show that they are still financially dependent on the main applicant. Unlike other countries offering residence programmes, the children will retain their Maltese permanent residence for life even if they get married or find an employment.
Indian nationals can currently travel visa-free to 60 countries. With permanent residency in Malta, comes the ability to travel visa-free throughout the Schengen zone. Malta is rapidly becoming the top choice for investment migration due to its low crime rate and clean environment, which Indian nationals mostly have as a requirement. With a stable economy, great business development potential, a booming property market that offers high returns, and a low unemployment rate, Malta makes for an excellent home for Indians. You can find excellent schools and universities for your kids, along with high-standard hospitals and medical services.
The application process is simple and Indian nationals receive the permanent residence card within 6 to 12 months of applying. The applicants can also request a temporary residence card while they wait for the PR application to be approved.
Tax System for Indian Malta Permanent Residents
Obtaining permanent residence in Malta does not have an impact on the tax situation of an applicant. Malta adopts the non-dom system of taxation which means that individuals who are deemed to be tax resident in Malta, by spending at least 183 days living in Malta are only taxed on income arising in Malta and income arising abroad which is transferred to Malta. Indian nationals can thus obtain tax residence only if they want to by residing in Malta for more than 183 days or by proving their intention to reside in Malta in the future.
Feel free to contact us to learn more about the application process and legal requirements regarding the Malta Permanent Residence Programme.