Residency & Golden Visas / Malta / Route
Malta · Investment route
Obtain permanent residence in Malta through property investment with Schengen access.
Last updated: 2025-09-29
Programme overviewنظرة عامة
The Malta Permanent Residence Programme – Property Purchase Route allows non-EU, non-EEA, and non-Swiss investors to obtain permanent residence in Malta by purchasing a qualifying residential property. This route offers visa-free travel across Schengen countries, high-quality healthcare and education, and a secure Mediterranean lifestyle. Family members including spouse, dependent children, parents, and grandparents can be included. Residency does not require a minimum stay.
What you getالمزايا
Visa-free travel across Schengen countries for 90 days in any 180-day period.
Flexible property ownership with rental/subletting options after 5 years.
Family-inclusive program: spouse, dependent children, parents, grandparents.
No minimum stay requirement in Malta.
Access to high-quality healthcare and education.
Stable and secure Mediterranean lifestyle.
Investment & costsالتكاليف
Qualifying investment
Property Purchase (Standard Malta)
Upon property acquisition · Minimum investment in residential property in main regions.
Property Purchase (Gozo / Southern Malta)
Upon property acquisition · Reduced minimum for Gozo or southern Malta.
Government Contribution
Payable during application · Non-refundable contribution.
NGO Donation
Payable during application · Mandatory donation to registered NGO.
Figures are indicative and exclusive of professional fees. Your advisor confirms an exact, written cost breakdown for your family size.
Eligibilityالأهلية
Requirements
Applicant must be 18 years or older.
Minimum property purchase: €375,000 (or €300,000 in Gozo/Southern Malta).
Government contribution of €37,000 and NGO donation of €2,000.
Proof of assets ≥ €500,000 with ≥ €150,000 in liquid instruments.
Comprehensive health insurance covering all family members.
Clean criminal record and full compliance with due diligence.
Proof of funds
Who cannot apply
Criminal record or prior legal violations.
Failure to meet minimum investment or financial requirements.
Non-compliance with health insurance or due diligence rules.
The processكيف نعمل
Preliminary Application
Submit identity, financial, and compliance documents.
Acquire Qualifying Property
Purchase residential property meeting the minimum threshold.
Pay Required Contributions
Settle €37,000 government contribution and €2,000 NGO donation.
Due Diligence & Health Checks
Complete background screening for all applicants.
Approval-in-Principle
Receive confirmation from the agency.
PR Certificate Issuance
Obtain the permanent residence certificate for the applicant and family.
Document checklistالوثائق
Identity
- ✦Valid passport copies for applicant and all dependents
- ✦Birth certificates
- ✦Marriage certificate (if including spouse)
Financial
- ✦Bank statements
- ✦Investment account statements
- ✦Proof of assets ≥ €500,000
Compliance
- ✦Police clearance certificate
- ✦Health insurance proof
- ✦Signed declarations and application forms
Your XIPHIAS advisor prepares a personalised document list at onboarding. The checklist above is indicative and may vary by family size.
Family scopeالأسرة
All eligible dependants can be included in one application or added after approval.
Age limits, dependency definitions, and addition fees vary by jurisdiction. Your advisor confirms exact rules at onboarding.
Approved projectsالمشاريع
Residential Property in Malta
Property can be leased or sublet after 5 years.
Project availability and inventory change. Your advisor confirms current options and any exclusive allocations at onboarding.
Risk notes
Property market fluctuations may affect value. Contributions are non-refundable. Strict due diligence compliance required.
Questionsأسئلة شائعة
This route, answered.
Yes, parents aged 55+ and dependent grandparents can be included.
Start the Malta route.
A senior advisor will confirm the exact costs, timeline and documents for your case — privately, and entirely off the record.