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Save money & Golden Visa for non EU


They know us as real estate agents with the best deals. We really love your personal possibilities and try to maximize the product in the budget you feel comfortable with. Do you need a mortgage? Our financial experts can help you get a mortgage, sometimes up to 70%. Therefore, we recommend that you have at least 30% of the funds. We work with many banks in Spain.


  1. The minimum investment must be at least € 500,000.

  2. In addition to the purchase price, you must add 12-14%, which includes the normal purchase costs, including tax, stamp, VAT, notary and lawyer.

  3. Investments can be spread over multiple properties for a total purchase price of at least € 500,000. You can do your investment by a foreign company if you can prove that you own the majority of this business.

  4. There is a certain flexibility to borrow part of the money you need from your home country or from a country outside Spain.

  5. Spanish residence visas may be issued to the immediate family, including spouse or non married partners.

  6. Spanish residence visas may be issued to children up to 18 years, economically dependent adult children and economically dependent parents.

  7. The act also includes your children over 18 years old who, due to health issues, are not objectively capable of looking after themselves..

  8. There is no requirement for minimum stays ordering to renew the visa. This means that it is optional to stay in Spain.

  9. The Spanish visa does not need to be renewed within five years.

  10. As there is no law on minimum stay is not necessary to be tax resident.

  11. Permanent residence will be granted after five years if you have followed the rules.

  12. Your property investment can be sold after five years when you have achieved permanent residency.

  13. The visa allows access to unlimited travel throughout the EU Schengen visa countries.

  14. You can obtain visas from the moment of signing the contract of sale (unregistered deeds).

  15. The official documentation for investment visa will not take more than ten, maximum 15 working days hereafter.

  16. The first card is issued for two years but the next 5 years if the investment is held.

  17. You and your family which is covered under the Golden Visa will have the right to work in Spain from the first day.

  18. Refusal of Spanish investment visa will usually only be justified by an unclean criminal record.

  19. Spanish citizenship will be given after an additional five years of permanent residency.

  20. The applicant must be able to prove that having traveled to Spain at least once in the first two years, and once more in the three subsequent years.

  21. While a Spanish citizen you automatically get an European citizenship.

  22. Immediately after the property purchase is registered in the Notary you and the involved family can work in Spain. After 5 years, the family can live, work or study anywhere in Europe within the EU.

  23. A recommended lawyer will take care of the application for residence, and the full Golden Visa program, residence for the family, etc.

  24. If the same lawyer takes care of both the property purchase and the application for the Golden Visa residence, you will be able to save the above mentioned cost.


  1. Not to have entered or stayed illegally in Spanish territory.

  2. Have to be 18 years or over.

  3. Not to have been refused entry in any of the Schengen countries.

  4. Have public or private health insurance authorized to operate in Spain.

  5. Have sufficient economic means to cover personal and family living expenses.

  6. Proof of the investment must be made through a Registry of Property certificate attesting ownership. Or, if the ownership title is not yet registered, via a copy of the acquisition public deed and proof of filing the deed in the Registry.


The investment threshold for real estate is € 500,000 or more per investor.

To apply for residency, proof of the investment(s) must be provided with a Property Registry filing (certificate). If this certificate is not yet available, then the notarized deeds and proof that the deeds have been submitted to the Property Registry must be provided.

The investment can be comprised of:

  • One or several properties.

  • Of a residential, touristic, rural, commercial or industrial nature.

  • Rural land, developed land, buildings under construction, or decrepit buildings.


Investors must use at least € 500,000 of their own funds, which must come from transparent sources that comply with existing legislation on money laundering and so on. Above that threshold there is no limit to debt financing, for instance with a mortgage in Spain.

Would you like more information about this complex matter? Send an Email to: