Spain Non-Lucrative Residence Permit

Spain Residency through Financial Means

No investment required
No language certificate needed
Unlimited travel within the Schengen area
Spouse and children can be included
Convertible to permanent residency

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If you're looking for a fast and reliable way to obtain long-term residency in Europe and don’t have a job offer, Spain ’s Non-Lucrative Residence Permit is one of the best options. With this visa, all you need is a stable passive income, allowing you to live in Spain without making a large investment or starting a business—and enjoy the benefits of European residency.
In this section, we’ll go over all the key details about the Spanish Non-Lucrative Visa, including its requirements, costs , necessary documents, and the application process.

If you need more information or personal consultation, please complete the residency application form. Our legal team at T4men will contact you and provide all the guidance you need.

Spain Non-Lucrative Visa

The Spain Non-Lucrative Visa is a residency visa designed for individuals who can support themselves financially in Spain without the need to work.

This visa is an excellent option for retirees, investors, and those who have non-working income sources, such as rental income, investment returns, or sufficient savings.

The Spain Non-Lucrative Visa is suitable for who?

The Spain Non-Lucrative Visa is suitable for individuals who can support themselves financially without the need to work in Spain. This visa is especially ideal for the following groups:

Retirees: Individuals with sufficient pension income who wish to spend their retirement in a country with excellent weather, reasonable costs, and a high quality of life.
Investors and Property Owners: Individuals who earn income through investments, property rentals, dividends, or other non-working sources and do not need to work in Spain .
Freelancers and Remote Workers: Those who work for companies outside of Spain (e.g., programmers, designers, consultants, or digital nomads) and can support their living expenses through foreign income.
Individuals with Passive Income: People who earn sufficient income through bank deposit interest, income from businesses outside Spain, or other stable financial sources, without the need to work.
Families Looking to Immigrate: Individuals who wish to live in Spain with their family and offer their children the opportunity to study in Spanish schools and universities.
Those Seeking Permanent Residency or Citizenship: Individuals who plan to obtain permanent residency after 5 years and Spanish citizenship after 10 years through this visa.
Those Seeking a Relaxed and High-Quality Lifestyle: Individuals who want to live in a country with high security, excellent healthcare services, beautiful beaches, and rich culture.

The Spain Non-Lucrative Visa is a great option for individuals who have sufficient financial means and wish to live in one of the best European countries without needing to work.

The possibility of traveling freely in Europe

With this visa, you can travel to all Schengen countries without needing a separate visa.
If you love traveling, Spain is a fantastic starting point for exploring Europe.
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Affordable living costs

The cost of living in Spain is lower compared to other Western European countries like France and Germany.
Cities like Valencia, Malaga, and Seville offer affordable prices for housing, food, and transportation.

Pleasant climate and excellent lifestyle

Spain has one of the best climates in Europe, with mild winters and warm, sunny summers.
Cities like Barcelona, Madrid, Valencia, Malaga, and the Canary Islands are among the best places to live.
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One of the best healthcare systems

Spain has one of the best healthcare systems in the world. With the non-lucrative visa, you can have private health insurance with excellent coverage.

Ideal for investment and property purchase

Spain has one of the best real estate markets in all of Europe.
You can buy a house in Spain, rent it out, and earn income from your investment.

The possibility of obtaining permanent residence and citizenship

After 5 years, you can apply for permanent residency.
After 10 years, you can obtain Spanish citizenship and a passport.

An ideal country for families

Spain is one of the safest countries in Europe.
There are high-quality education systems and international schools for your children.

Easy visa renewal

The non-lucrative visa is issued for one year and can be renewed for an additional two years.
After 5 years, you can apply for permanent residency.

No need to start a business

Unlike the Golden Visa, there is no need to purchase property or make heavy investments.
You only need to show sufficient financial means and live in Spain without the need to work.
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If you're looking for a beautiful country with affordable costs, excellent weather, high security, and the possibility of obtaining permanent residency, Spain is one of the best options for the non-lucrative visa.

Required financial means for the Spanish non-lucrative (self-sufficiency) visa

According to the regulations of the Spanish government (based on the IPREM index for 2024), the minimum financial requirement for the main applicant is approximately €2,400 per month (or €28,800 annually).
Additionally:
– Financial means for a spouse: around €600 per month (€7,200 annually)
– Financial means for each dependent child: €600 per month (€7,200 annually)

How to prove financial means:
– Bank statements from the last 6 months
– Documents related to property ownership (rental income)
– Proof of pension or investments with regular income
– Documents related to dividends or other stable financial sources

Note: Purchasing property is not required for obtaining the non-lucrative visa; however, providing a rental contract or property deed as proof of residence is mandatory.

Limitations of residency in Spain through the non-lucrative visa:

Work restriction in Spain: Holding this visa means you cannot be employed by Spanish companies or start a local business.
Annual presence requirement: You must reside in Spain for at least 183 days per year.
Visa renewal requirement: Until you obtain permanent residency, you must submit updated financial proof and health insurance for each renewal period.
Long absences and risk of losing residency: Being absent from Spain for more than 6 consecutive months in any year may jeopardize your path to permanent residency or citizenship.

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Guaranteed acquisition of Spain's non-lucrative residency by the T4man Group

Tiforman Group, with active offices in Spain and Iran and legal representatives in both countries, guarantees the entire process of obtaining a Spanish non-lucrative visa for you. Our services include:

1. Personal evaluation and strategic optimization of residency conditions

2. Scheduling appointments with the Spanish embassy

3. Preparing forms and covering necessary expenses for file submission

4. Managing the motivation letter and required documents

5. Managing appointments and accompanying the client for their fingerprinting appointment

6. Managing and accompanying the client for the collection of the foreigner ID card (TIE)

7. Opening a bank account at BBVA.