Spain
Programme Overview
Spain's Golden Visa granted residency to non-EU investors placing €500,000 or more into Spanish real estate, with wider Schengen access and no minimum stay requirement. The programme closed to new applications on 3 April 2025; existing holders keep their permits and renewal rights. Investors targeting Spain today typically use the Non-Lucrative Visa, the Entrepreneur (Ley 14/2013) route or the Digital Nomad Visa, and we advise on each alongside comparable EU options in Portugal, Greece and Italy.
Fund Your Spain Investment with a Lombard Loan
Instead of liquidating your portfolio to fund the From €500,000 Spain investment, use your existing assets as collateral and keep your money working for you.
Traditional: Liquidate Assets
- ✗Sell From €500,000 from your portfolio
- ✗Trigger capital gains tax (up to 20%)
- ✗Lose years of compound growth
- ✗After 10 years: €1.08M
Lombard Loan: Keep Your Portfolio
- Borrow From €500,000 against €1.00M collateral
- No capital gains event triggered
- Portfolio continues growing at ~8%
- After 10 years: €1.98M
10-Year Wealth Projection
Investment Options
Key Benefits
Eligibility Requirements
Application Timeline
Assessment & Route Selection
2-4 weeksConfirm the appropriate current visa route and prepare a document checklist
Documentation & Legalisation
1-2 monthsApostille, translation and NIE issuance, plus insurance and financial evidence
Application & Biometrics
1-2 monthsFile at the Spanish consulate or with UGE-CE in Madrid and attend biometrics
Decision & Card Issuance
20 days - 3 monthsApproval followed by collection of the TIE residence card in Spain
Family Inclusion
- •Spouse or registered partner
- •Dependent children under 18, and older children who remain financially dependent
- •Dependent parents where financial dependency is evidenced
- •Family members receive the same residence rights as the main applicant
Taxation
Spanish tax residency arises after 183 days in a calendar year, bringing worldwide income into scope at progressive rates of roughly 19% to 47%, plus regional wealth tax and the state solidarity tax on large fortunes. Non-residents are taxed only on Spanish-source income. Qualifying inbound workers and digital nomads can elect the special regime (the "Beckham law") for a 24% flat rate on Spanish employment income up to €600,000 for up to six years.
Residency Requirements
The former Golden Visa had no minimum stay beyond one visit per renewal period. Current routes such as the Non-Lucrative and Digital Nomad visas require you to spend more than 183 days per year in Spain, which normally triggers Spanish tax residency.
Path to Citizenship
Spanish citizenship is available after 10 years of continuous legal residency (2 years for nationals of Ibero-American countries, Andorra, the Philippines, Equatorial Guinea, Portugal and Sephardic Jews). Requires CCSE civics and DELE A2 language exams. Spain generally does not permit dual citizenship except for those preferential nationalities.
Related Resources
Ready to Begin Your Journey?
Schedule a consultation with our expert advisors to discuss your Spain golden visa application.