New conditions for obtaining permanent residence for investments in Malta

As of January 1, 2025, updated conditions for obtaining permanent residency through investments in Malta have come into effect, affecting both financial requirements and applicant criteria. The new rules aim to increase the transparency of the program and strengthen the selection of candidates capable of integrating into the country’s economy. Despite the adjustments, the Maltese government still offers one of the most favorable paths to legalization through investments.

Now, it is important not only to make the necessary contributions but also to confirm reliability, meet the age criterion, and choose one of the approved investment formats. Let’s consider what exactly has changed and what requirements are relevant in 2025.

What has changed: conditions for obtaining permanent residency through investments in Malta from 2025

The updated provisions of the state initiative for granting residency came into effect at the beginning of the year. They concern the amount of investments, the list of dependents, as well as specific administrative points. Let’s look at the parameters in more detail:

• the non-refundable contribution amount has been increased from €98,000 to €120,000;
• stricter requirements for property rental – starting from €10,000 in southern regions;
• mandatory health insurance for all family members has been introduced;
• financial stability criteria have been added – confirmation of income sources;
• the category of dependents has been expanded – now including siblings up to 27 years old.

The innovations make the procedure more formal but maintain accessibility for the majority of applicants who possess stable capital and are ready for a transparent process.

Investment options and contribution structure

The program for obtaining permanent residency in Malta provides for two key participation formats: property rental or purchase.

When choosing rental, the minimum amount is €10,000 per year in the south of the island and €12,000 in other regions. Purchasing will be significantly more expensive – starting from €300,000 in the southern part and from €350,000 in other areas.

In addition to the cost of housing, the new conditions for obtaining permanent residency through investments in Malta include mandatory government expenses. The applicant must pay an administrative fee of €40,000 and additional government fees, which can reach €7,500 for each dependent.

A separate item is a charitable contribution – a minimum of €2,000, which is directed to an accredited organization. In addition to financial requirements, the applicant must undergo a reliability check and provide a complete set of documents confirming the legality of income sources and overall financial position.

Investing in the Maltese program is suitable for those who are ready for full disclosure of their financial statements and do not have legal restrictions in their country of residence.

What documents will applicants need?

The application process has become more regulated and detailed. The main set of documents must be prepared in advance, with translations and certifications. Let’s look at the list of papers in more detail:

• copies of passports of all applicants;
• declaration of the origin of funds;
• certificate of no criminal record from the country of residence;
• evidence of financial stability;
• rental or purchase agreement for real estate;
• insurance policy for all family members.

Gathering and preparing documents takes up to 3 months. This is important to consider when planning to participate in the program, as the conditions for obtaining permanent residency through investments in Malta include not only financial requirements but also mandatory reliability checks, providing full documentation, and meeting deadlines. Proper preparation for each stage increases the chances of approval and simplifies integration into the new legal environment.

Additional advantages of permanent residency in Malta

The residency obtained through investments in Malta not only grants the right to legally reside in the country but also provides access to a range of practical benefits.

Residency holders can freely travel within the Schengen area without the need for visas and can also access educational and medical infrastructure.

The application process allows for family reunification, allowing spouses, children, and other dependents to be included in the application. Additionally, residents receive simplified conditions for opening bank accounts, conducting business, and financial operations within the country.

One of the key attractions is the favorable tax legislation: compliance with residency requirements keeps the tax burden minimal.

All these aspects make permanent residency through investments more than just a formality but a real tool for integration into the European legal and economic environment.

Comparison with other EU programs

Comparing the Maltese approach with counterparts in other EU countries, it stands out for its combination of flexibility, transparency, and clear expenditure structure. For example, as of January 1, 2025, obtaining permanent residency in Malta through investments remains cheaper than a similar method in Portugal or Greece, especially when renting housing.

An additional advantage is the relatively prompt processing of documents, despite the extended processing time of 6-8 months. For most participants, the application process remains predictable and manageable, especially if the investor has prepared all the necessary documents in advance and complies with the conditions for obtaining permanent residency through investments in Malta.

Who is eligible for the residency mechanism and what restrictions apply?

The minimum age requirement for the main applicant is 18 years. Children up to 29 years old can be included if they are financially dependent. Parents, grandparents can be included provided full support. It is also important that applicants have no criminal records, sanctions, or visa refusals in EU countries.

Obtaining permanent residency in Malta through investments is not so much a question of money as it is of preparation. The main thing is to meet the reporting requirements and confirm the legality of the sources of funds.

Conditions for obtaining permanent residency through investments in Malta: conclusions

The current conditions for obtaining permanent residency through investments in Malta in 2025 have become stricter but remain attractive for affluent foreigners. Despite the increase in contributions and enhanced verification of fund sources, the acquisition program remains one of the most flexible in the European direction. It is suitable for those seeking stability, legal status in the EU, and the opportunity to invest in real estate with predictable results.