How to Legally Obtain an EU Residency Through Investment?

In recent years, obtaining European Union (EU) residency through investment has become an increasingly popular route for investors, entrepreneurs, and high-net-worth individuals seeking better access to global markets, financial stability, and enhanced mobility.

EU residency by investment, often referred to as the “Golden Visa” or “Investor Visa” programs, allows individuals and their families to gain legal residence in an EU country by making a significant financial commitment, such as investing in real estate, businesses, or government bonds.

For many people, the appeal of EU residency is the ability to live, work, and travel freely within the 27 EU member states, enjoy a higher standard of living, and benefit from the robust legal, healthcare, and educational systems that Europe has to offer. The ability to move freely within the Schengen Area, which includes 26 European countries, is also a key advantage.

However, navigating the process of obtaining EU residency through investment can be complicated, with each country offering different programs, requirements, and procedures. In this blog post, we’ll cover everything you need to know about legally obtaining EU residency through investment.

1. What is EU Residency by Investment?

EU residency by investment programs allow individuals to obtain legal residency in a member state by making a significant financial contribution to that country’s economy. This could involve investment in various forms, such as real estate, business ventures, government bonds, or job creation. In return for the investment, applicants receive residency status and the right to live, work, and study in the country offering the program.

While residency does not automatically lead to citizenship, it is often the first step towards obtaining long-term or permanent residency, and in some cases, citizenship. Residency by investment programs provide a pathway to greater mobility, access to European markets, and an improved quality of life.

2. Key Benefits of EU Residency by Investment

Obtaining EU residency by investment offers a wide range of benefits, some of which are exclusive to EU member states:

• Freedom of Movement: EU residency grants you the ability to travel, live, and work freely across all EU member states and Schengen Area countries. This includes 27 EU countries and 4 non-EU countries that have agreements with the EU.
  
• Access to High-Quality Healthcare and Education: EU member states offer world-class healthcare and educational systems that are available to residents and their families.
  
• Family Benefits: Most EU residency by investment programs extend to your immediate family, including your spouse, children, and sometimes even extended family members, like parents or siblings.
  
• Pathway to Citizenship: Some countries offer a pathway to citizenship after a set number of years of residency. This allows you to become a full EU citizen, enjoying additional benefits such as the right to vote and full political participation.
  
• Attractive Tax Regimes: Certain EU countries offer favorable tax regimes, making residency by investment an appealing option for entrepreneurs and investors seeking to optimize their global tax strategies.
  
• Better Quality of Life: The EU is known for its political stability, high standard of living, and strong economic systems, which can provide both personal and professional advantages.
  

3. How to Obtain EU Residency Through Investment: General Requirements

Although each EU country has its own residency by investment program with specific criteria, most programs share common requirements and steps. The general process for obtaining EU residency through investment typically involves the following:

1. Choose the Country: Each EU member state offering a residency by investment program has different options, investment thresholds, and benefits. Research the countries that suit your financial goals, lifestyle preferences, and business interests.
   
2. Make the Required Investment: The investment requirement varies depending on the country and program. Investments are usually in the form of real estate purchases, business investments, or government bonds. Some countries require a minimum stay in the country, while others offer flexibility in terms of time spent within the country.
   
3. Complete Application: After making the investment, you will need to submit a residency application, including necessary documentation (e.g., proof of funds, criminal background check, health insurance, etc.).
   
4. Undergo Due Diligence: Most countries conducting residency by investment programs will require a thorough background check to ensure that you meet the legal requirements and do not have any criminal history or financial issues.
   
5. Approval and Residency Grant: Once your application is approved, you will receive legal residency status. Some programs allow immediate family members to be included in the application.
   
6. Maintain the Investment: Many countries require the investment to be maintained for a certain number of years before you can receive permanent residency or citizenship. In some countries, you may need to spend a minimum amount of time living in the country each year.
   

4. Popular EU Countries Offering Residency by Investment Programs

Several EU countries offer residency by investment programs, each with its own advantages. Below, we explore the most popular EU countries where you can obtain residency through investment:

1. Portugal Golden Visa Program

Portugal’s Golden Visa is one of the most popular and flexible residency by investment programs in the EU. It is widely recognized for its relatively low investment thresholds and easy path to permanent residency or citizenship.

• Investment Options: Real estate purchase, business creation, research and development, capital transfer, or job creation.
• Minimum Investment: Starts at €280,000 for real estate investments in low-density areas, with other options such as €350,000 for real estate, €1 million for capital transfer, or job creation.
• Residency Benefits: Free movement within the Schengen Area, healthcare, education, and the possibility of applying for citizenship after 5 years of legal residence.
• Stay Requirements: Only 7 days per year for the first 5 years.

2. Spain Golden Visa

Spain’s Golden Visa offers residency by investment for individuals who make a significant financial contribution to the country. Spain is known for its vibrant culture, attractive lifestyle, and strategic position within the EU.

• Investment Options: Real estate purchase, business investment, or creating jobs.
• Minimum Investment: Starts at €500,000 for real estate purchases.
• Residency Benefits: Visa-free travel within the Schengen Area, access to public services, and the possibility of applying for citizenship after 10 years of legal residence.
• Stay Requirements: Applicants must reside in Spain for a minimum of 6 months each year to maintain their residency status.

3. Greece Golden Visa

Greece offers a relatively affordable and efficient golden visa program, with one of the lowest investment thresholds in the EU.

• Investment Options: Real estate purchase.
• Minimum Investment: €250,000 for real estate investments.
• Residency Benefits: Free movement within the Schengen Area, access to healthcare and education, and the ability to apply for citizenship after 7 years.
• Stay Requirements: Minimal; no mandatory stay is required during the first 5 years.

4. Malta Residency and Visa Program (MRVP)

Malta offers a robust residency by investment program that provides a secure and well-regulated path to EU residency.

• Investment Options: Real estate purchase or rental, government bond investment, and donation to a national development fund.
• Minimum Investment: Starting from €250,000 for property purchase, plus a donation of €30,000 and bond investment.
• Residency Benefits: Free movement within the EU and the possibility of acquiring citizenship after 5 years of residency.
• Stay Requirements: The applicant must reside in Malta for a minimum of 12 months over a 5-year period.

5. Cyprus Investment Program (Currently Suspended)

Cyprus previously offered one of the most popular and lucrative citizenship by investment programs. However, the program has been temporarily suspended as of 2020, following concerns over its implementation. While it’s currently unavailable, Cyprus remains an attractive country for those looking to invest in real estate or business opportunities.

5. What Are the Costs and Investments Involved in EU Residency by Investment?

The cost of obtaining EU residency through investment can vary widely depending on the country and program. Here is an overview of common investment options:

• Real Estate Investment: Typically between €250,000 and €2 million depending on the country. For example, Portugal and Greece offer attractive options starting at €250,000 for real estate investments.
  
• Business Investment: Some countries like Spain and Portugal offer the option to invest in a business or create jobs, with investment amounts ranging from €350,000 to €1 million or more.
  
• Government Bonds: Countries such as Malta and Portugal allow investments in government bonds or funds, which are typically around €250,000 to €1 million.
  
• Donation: Some countries require a donation to a national development fund, which can range from €30,000 to €100,000.
  

The Top 5 Citizenship by Investment Programs in 2025: Which One is Right for You

6. How to Choose the Best EU Residency Program for You?

Choosing the best EU residency by investment program depends on several factors, including:

• Investment Budget: Determine how much you’re willing and able to invest.
  
• Family Needs: Consider whether you want to include your family members in the residency application.
  
• Taxation Considerations: Look at the tax implications of obtaining residency in your chosen country, as some EU countries offer more favorable tax regimes than others.
  
• Lifestyle and Location: Consider the lifestyle, climate, culture, and business opportunities in different EU countries.
  
• Residency and Citizenship Goals: Determine whether you plan to apply for citizenship in the future and whether the country’s residency program allows for this.

7. Why Consider Justis Capital for EU Residency by Investment?

At Justis Capital, we specialize in guiding high-net-worth individuals and families through the complex process of obtaining EU residency by investment. Our team of experts can help you select the best program based on your unique goals and circumstances, ensuring that you make an informed decision.

Here’s why working with Justis Capital is the best choice:

• Expert Advice: Our team provides personalized guidance to help you choose the right EU residency program for your goals.
  
• Seamless Application Process: We assist you with every step of the process, from investment selection to application submission and approval.
  
• Global Experience: With experience working with clients worldwide, we understand the nuances of each EU residency program and can tailor strategies for your specific needs.
  
• Long-Term Support: Our team offers ongoing support throughout the entire residency process and beyond, ensuring that you remain compliant and can eventually transition to citizenship if desired.