Malta offers one of the most attractive residency and citizenship programs in Europe, making it a prime destination for investors and expatriates. The Malta Residence and Visa Programme (MRVP) allows non-EU nationals and their families to establish permanent residency in this EU-member country, benefiting from visa-free travel, a favorable tax system, and high-quality living standards.

In this guide, we cover everything you need to know about the Malta Residency and Visa Programme, including eligibility criteria, investment requirements, benefits, and tax implications.

Why Choose Malta for Residency?

Visa-free travel to 188 countries, including the United States, UK, and Schengen Area.
Stable economy and business-friendly environment.
Favorable tax system with no inheritance, wealth, or municipal taxes.
Access to top-tier healthcare and education systems.
Residency with no physical stay requirement.
Right to live and work in Malta with a permanent residence permit.
Pathway to EU citizenship after 5 years of residency.

Malta Residence and Visa Programme (MRVP)

The Malta Residence and Visa Programme (MRVP) was established under Legal Notice 288 of 2015. It allows non-EU/EEA/Swiss nationals and their families to gain residency in Malta indefinitely.

Eligibility Requirements

To qualify for the Malta Residency and Visa Programme, applicants must:
Be at least 18 years old.
Not be a national of Afghanistan, Iran, North Korea, or any EEA country.
Possess a clean criminal record.
Have a minimum annual income of €100,000 outside Malta or a capital of at least €500,000.
Hold comprehensive health insurance.
Not pose a security or public health risk.
Commit to maintaining the investment for at least five years.

Investment Options

To obtain Malta permanent residency, applicants must meet one of the following investment criteria:

1. Property Investment

Purchase a property worth €320,000 in Malta or €270,000 in Gozo/South of Malta.
Hold the property for at least 5 years.
Alternatively, rent a property with a minimum annual lease of €12,000 in Malta or €10,000 in Gozo/South of Malta.

2. Government Bonds & Contribution

Investment of €250,000 in non-interest-bearing Maltese Government Bonds (refundable after 5 years).
A one-time non-refundable contribution of €30,000 to the Government of Malta.
The €5,500 application fee is considered part of the government contribution.

Tax Benefits for Malta Residents

Malta has a territorial tax system, meaning only income earned in Malta or remitted to Malta is taxable.

No inheritance tax.
No property tax.
No net worth tax.
Personal income tax rates: Progressive 0% to 30%.
Capital Gains Tax: 8% to 12% (depending on property ownership duration).
Investment Income Tax: Flat rate of 15%.
Corporate Tax: Effective rates between 0-10% due to tax refunds.

Key Benefits of Malta Permanent Residency

1. Citizenship & Second Passport

Malta allows dual citizenship.
You can apply for Maltese citizenship after 5 years of residency.
The Maltese passport is among the world’s most powerful, offering visa-free access to 188 countries.

2. Lifestyle & Security

English-speaking country with a warm Mediterranean climate.
Low crime rate and high quality of life.
Thriving expat community and strong international business hub.

3. Business & Investment Opportunities

Malta has no CFC laws, making it an attractive offshore business hub.
Tax-friendly jurisdiction with access to EU trade benefits.
Malta’s corporate tax system offers an effective tax rate as low as 5%.

Conclusion: Is Malta Residency Right for You?

Malta offers one of the best EU residency programs, providing visa-free travel, tax advantages, and a pathway to citizenship. If you are looking for a secure and business-friendly environment with high living standards, Malta is an excellent choice.

For expert assistance in securing Malta permanent residency, contact our immigration specialists today!

FAQs About Malta Residency & Citizenship