Living in Malta: Real Estate & Long-Term VisasProperty-linked EUresidence with tax perks

Residency and Citizenship in Malta Through Real Estate

Overview of Malta’s Legal Immigration Programs

Malta offers both residency and citizenship pathways linked to financial contribution and real estate investment. It is one of the few EU countries to operate an officially regulated citizenship-by-investment program, making it attractive to high-net-worth individuals seeking EU access. These programs are administered by the Community Malta Agency and are subject to due diligence, eligibility checks, and non-refundable contributions alongside property commitments.

Maltese Permanent Residency Program (MPRP)

The Malta Permanent Residency Program allows non-EU nationals to obtain a permanent residence permit by fulfilling a combination of financial requirements. Applicants must:

• Make a government contribution of EUR 68,000 (if renting) or EUR 98,000 (if purchasing property);
• Purchase real estate worth at least EUR 300,000 in the south of Malta or Gozo, or EUR 350,000 elsewhere;
• Maintain a clean criminal record and pass a due diligence check;
• Contribute a donation of EUR 2,000 to a registered NGO.

This program grants the right to reside indefinitely in Malta and move freely within the Schengen Area, but it does not lead directly to citizenship.

Citizenship for Exceptional Services by Direct Investment

Malta also operates a citizenship-by-investment scheme under strict regulation. Applicants must:

• Reside in Malta for at least 12 months (or 36 months for the lower contribution option);
• Make a non-refundable contribution of EUR 600,000 (36-month route) or EUR 750,000 (12-month route);
• Purchase a property of at least EUR 700,000 and retain it for five years, or lease a property with a minimum annual rent of EUR 16,000;
• Make a donation of EUR 10,000 to a local non-profit organization;
• Pass a comprehensive background and security screening process.

Approved applicants gain full EU citizenship, including the right to live, work, and travel within all EU member states.

Ownership Rights and Real Estate Considerations

Foreigners can freely purchase property in Malta, though special permits (AIP permits) are required for non-EU citizens purchasing a second property. The property market is tightly regulated and includes freehold titles, with high demand in Valletta, Sliema, St. Julian’s, and Gozo. Investors must retain qualifying properties for a set minimum period under both MPRP and citizenship programs.

Taxation and Residency Conditions

Malta offers an attractive tax system for new residents, including a remittance-based taxation model and special flat tax rates for individuals under specific residency schemes. Malta has no inheritance or wealth tax. Real estate ownership combined with fiscal residence can yield long-term lifestyle and tax planning advantages, especially for global entrepreneurs and retirees.

Strategic Advantages of Choosing Malta

Malta’s programs provide direct access to EU benefits through a legally structured process with defined timelines. While the overall cost of entry is relatively high, the country offers transparency, safety, and a strong rule of law. Real estate plays a central role in both residency and citizenship tracks, making Malta a rare case where property investment is truly a gateway to long-term legal settlement and passport acquisition in the European Union.