Malta

The Malta Golden Visa program is one of the most popular programs among European countries due to the relatively low cost of the residency program and the unique atmosphere that Malta offers. Malta Residence by Investment is also quite affordable and straightforward. 

As a Schengen country, Malta has one of the fastest-growing limited real estate markets and a favorable tax environment for businesses. Read more on how your entire family can become permanent residents through this highly beneficial, low-cost Golden Visa program.

Why Choose Malta?

Malta is a multicultural country with warm weather and warm people. The diverse culture and ease of doing business make Malta an ideal jurisdiction for any type of foreign investor. 

From plenty of economic developments and a favorable tax planning environment for entrepreneurs and HNWIs to a high-quality standard of living for retirees and families, Malta offers a lifestyle that is both flexible and rewarding.

Sunny All Year Long

Safest Country in Europe

Stable Real Estate Market

Official Language: English

Key Geographic Location

Country Profile

Short History: From the Phoenicians, Romans, Arabs, and Byzantines, Malta has had a colorful history. Following these ancient civilizations, Malta was under the rule of the British Empire until 1964. Recognizing independent sovereignty in 1974, Malta adopted many of the legal and educational systems of the British and English is still an official language of the country. Malta became an EU member-state in May 2004 and joined the Eurozone in 2008. Today it is a cultural hub that has attracted a wide-range of foreign nationals to the country.

Taxes: The tax regime in Malta is very attractive for both individuals and corporations. A flat income tax rate of 15% is imposed on income obtained abroad while locally-sourced income is taxed at 35%. The corporate tax rate is 35%. There is no gift tax, inheritance tax, or wealth tax. Stamp duty is only imposed on transfers of real estate or certain shares. Tax residents can benefit from the many double tax treaties signed with Malta.

Advantages & Disadvantages: The weather of Malta is one of its biggest advantages. Abundantly sunny and mild year-round, Malta is a destination that can be enjoyed any time of year. It is also rather affordable compared to other European countries. Internet and mobile services are often cited as expensive and slow in comparison to other Western countries, one of the few drawbacks for foreigners. However, the country is one of the safest in the EU with an extremely low crime rate. Another downside is the condition of traffic infrastructure, which has been improving in the last few years but still continues to be listed as a disadvantage.

Languages: The official languages of Malta are English and Maltese, making it a top choice for foreign nationals looking to make the move abroad. Roughly 90% of the population speaks English. Yet, learning the Maltese language garners more respect and acceptance by the locals.

Healthcare: In Malta, healthcare is considered free for those who are employed. Malta ranks in the top EU countries for overall quality care. Also, private insurance is quite inexpensive and allows patients to skip long waits and processes often found at the public institutions.

Retirement: EU nationals may benefit from the new Malta retirement tax program. Under the program, retirees are eligible for a personal tax liability of 15% on any foreign income that is remitted to Malta. There is a minimum Malta tax liability of 9,000 USD (7,500€) per year. Locally-sourced income is taxed at a flat rate of 35%. The conditions include spending a minimum of 90 days yearly in Malta and purchasing real estate at a minimum of 322,000 USD (275,000€) or renting annually at a minimum of 11,000 USD (9,600€).

Come to Malta

Experience the warmth of Malta and its people through one of the most popular residency programs in Europe. Set up a consultation with our experts and see what makes this program so unique!

Highlights

Cheapest European Golden Visa

The Malta Golden Visa Program has the lowest investment price in the EU

Expat Recommended

Malta is considered the best country for expats and entrepreneurs

No Language Barriers

As English is the official language of the country, many foreign nationals feel right at home while living and doing business in the country

British Connection

As a former UK colony, the government of Malta offers English-style laws

No Residency Required

The Malta Golden Visa program does not require applicants to permanently live in Malta to maintain eligibility

Full Family Extension

Up to 4th generation family members including grandparents, parents, and children of any age may also be included for permanent residency

Maltese Citizenship Options

After 5 years, foreign nationals residing in Malta may qualify for citizenship

2nd Best Golden Visa

The Malta Golden Visa is one of the most flexible programs in the world with qualifying investment through real estate and government bonds and stocks

Safety and Stability

Malta is considered one of the safest, most stable of European countries to live and work within the Schengen area

What Are the Requirements?

 Included in the application, an applicant:

*Pay 5,800 USD (5,000€) for each additional person on the application beyond the main applicant. The application is flexible and family members may be added at any time.

Citizenship application:

What Are the Requirements?

 Included in the application, an applicant:

*Pay 5,000 Euros for each additional person on the application beyond the main applicant. The application is flexible and family members may be added at any time.

Citizenship application:

Malta Golden Visa Program - Residency

There are two options when it comes to qualifying for the Malta Golden Visa Program. Initial investment costs and interest in citizenship through naturalization distinguish the two routes through the residency program.

All-Inclusive

The cheapest option is to finance government securities and, in turn, be issued a certificate of residence by the government of Malta. Qualifying investments are made in an all-inclusive family package at 147,000 USD (125,000) and include the 35,000 USD (30,000€) state fee. Any additional family members up to 4th generation may be included in the application or at any point after for 5,800 USD (5,000€) per individual. Children are also eligible without age limitations.

In addition, the main applicant must provide proof of a foreign annual income of 12,000 USD (10,000€) or net assets worth 586,000 USD (500,000€). Further, the Malta Golden Visa program requires renting a property of at least 12,000 USD (10,000€) annually, to be done after receiving the Letter of Approval, and providing health insurance coverage for the family that meets government regulations. 

Unlike other Golden Visa programs, Malta offers the chance to save money through renting a property rather than purchasing an investment property for the residency program.

Although the Malta Golden Visa program does not require a physical presence in the country, five years of residence in Malta opens the option for Maltese citizenship. 

Direct Investment

The other option is to invest in government securities which will be held for five years. A foreign investor purchases government bonds for 293,000 USD (250,000€), which is returned by the government of Malta after the five-year period.

An applicant must pay the state fee of 35,000 USD (30,000€) and any agent fees for the family, but with the guarantee that the initial 293,000 USD (250,000€) investment will be returned after the program period. This option is ideal for those who have the investment capital upfront and maybe in interested in seeking citizenship for themselves and their children after five years.

Through this option, the main applicant must still pay the 5,800 USD (5,000€) fee for any additional family members, provide complete health insurance coverage for the entire family, and maintain qualifying property. The Malta Golden Visa program through this option allows for the renting of a property for a minimum of 12,000 USD (10,000€) annually for the entire five years or the purchasing of a property for a minimum of 317,000 USD (270,000€).

Although this option has more initial upfront costs, a foreign investor gets a large part of their investment returned and a greater possibility of citizenship for the full family later on.

In order to qualify for the Malta citizenship by naturalization, foreign nationals must live four out of the five years of the residency program in the country before applying. The processing time for citizenship is an additional year from the point of application submission, currently. There are also Maltese and English language requirements to gain Maltese citizenship.

Consultation and Document Preparation

3-4 days

10% Initial Application Fee

3-4 days

Fee Installments

Invoiced through 6 months

Letter of Approval

After 6 months

Visit Malta for Formalization

Post Letter of Approval

Costs at a Glance

Golden Visa Program - All Inclusive

Qualifying Government Investment Package: 147,000 USD (125,000€)
State Fees: 35,000 USD (30,000€)
Rental Property: 12,000 USD (10,000€) minimum, annually
Health Coverage: 35,000 USD (30,000€) coverage
Annual Income Abroad: 12,000 USD (10,000€)
Income Tax, abroad: 15%
Income Tax, local: 35%

Total: 193,000 USD (165,000€) + Legal and Insurance Fees

Golden Visa - Investment

Government Securities Purchase: 293,000 USD (250,000€), held 5 years
State Fees: 35,000 USD (30,000€)
Rental Property: 12,000 USD (10,000€)minimum, annually
Health Coverage: 35,000 USD (30,000€) coverage
Annual Income Abroad: 35,000 USD (30,000€) 
Income Tax: 15%
Income Tax, local: 35%

Total: 328,000 USD (280,000€) + Legal and Insurance Fees

Inquiry about the Malta Golden Visa!

The Malta Golden Visa Program is one of the cheapest programs for the whole family to relocate and enjoy the benefits of the European Union.

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