Foreigners can obtain the Malta Golden Visa by investment starting at €182,000 for a single applicant and €212,000 for a family of four. This permanent residency program paves the way for a stable and prosperous future in the heart of the Mediterranean through visa-free travel, world-class healthcare, and exceptional education opportunities.
Discover why the Malta Golden Visa is one of the most sought-after investment opportunities for global mobility and a better quality of life.

Malta Golden Visa Benefits
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Overview of 10 Key Benefits of the Malta Golden Visa
The Malta Golden Visa program, officially known as Malta Permanent Residence Programme, stands out as one of the most attractive residency by investment options in Europe. Designed for investors and their families, it provides a pathway to EU residency while offering a range of unparalleled benefits.
From visa-free travel to access to world-class healthcare and education, the program combines the living in a Mediterranean paradise with the stability and opportunities of an EU country. Whether you’re looking for security, lifestyle upgrades, or strategic global mobility, this program delivers on all fronts.
Here are the 10 key benefits of the Malta Golden Visa program:
Access to Schengen Area сountries.
Permanent residency status in an EU country.
Right to reside and travel freely within Malta.
High-quality healthcare system and facilities.
Access to world-class education and schools.
Stable political and economic environment.
Residency for family members.
Pathway to Maltese citizenship by naturalisation.
Application process with clear requirements.
Investment in safe options.
A recent report by the Daphne Caruana Galizia Foundation reveals that nearly 90% of Malta’s golden visa recipients are Chinese nationals, highlighting growing demand for global mobility and access to stable, high-quality country. Malta has reputable educational institutions and English as a teaching medium, which is appealing for Chinese families seeking quality education for their children.

Explore the benefits and drawbacks of the Malta investment program versus other Golden Visas
Benefit 1
Access to Schengen Area Countries
One of the most appealing benefits of the Malta Golden Visa is the ability to travel freely within the Schengen Area. It consists of 29 European countries that have abolished border controls, allowing seamless movement for residents and citizens. This privilege significantly enhances mobility for both business and leisure, making it easier to explore new opportunities, attend meetings, or enjoy vacations without the hassle of applying for individual visas.
As a Malta Golden Visa holder, you can:
travel visa-free to all Schengen countries;
spend up to 90 days within a 180-day period in Schengen Area;
experience simplified travel procedures within Europe.
The number of Schengen countries is growing. In 2025, Bulgaria and Romania officially and fully joined the Schengen Area, further enhancing travel options within Europe. Countries like Cyprus and Ireland are considered potential future additions, with Cyprus already meeting most technical requirements and actively working towards membership.
Here is a list of the 29 countries currently in the Schengen Area:
Austria.
Belgium.
Czech Republic.
Denmark.
Estonia.
Finland.
France.
Germany.
Greece.
Hungary.
Iceland.
Italy.
Latvia.
Liechtenstein.
Lithuania.
Luxembourg.
Malta.
Netherlands.
Norway.
Poland.
Portugal.
Slovakia.
Slovenia.
Spain.
Sweden.
Switzerland.
Bulgaria.
Romania.
Croatia.
Benefit 2
Permanent Residency Status in EU Country
The Malta Golden Visa grants holders permanent residency in Malta, an EU member state. This status provides a secure, long-term solution for those seeking stability, mobility, and access to the benefits of living in the European Union.
As a permanent resident of Malta, you enjoy:
Long-term security. Your residency status does not expire as long as the conditions of the program are maintained.
Freedom within Malta. The right to live, work, and study in Malta without any restrictions.
Access to EU benefits. Residency in an EU country opens opportunities for high-quality healthcare, education, and a better quality of life.
Permanent residency status is granted for life, but residence cards must be regularly renewed. The cards issued to adult applicants are valid for a period of five years. For minor applicants, the cards must be renewed within one month of reaching the ages of 14 or 18.
To renew the card, applicants simply need to provide proof of sufficient income, valid health insurance, and ownership or rental of residential property in Malta.
Benefit 3
Right to Reside and Travel Freely within Malta
One of the key advantages of the Malta Golden Visa is the unrestricted right to reside in Malta. The country’s size and efficient transport options make it easy to travel for work, leisure, or education.
As a holder of this residency status, you can live in Malta year-round without any limitations on the duration of your stay and choose to live in any part of the island, from bustling cities like Valletta to quieter coastal towns.
Malta is located in the Mediterranean, making it an ideal base for traveling to nearby European, North African, and Middle Eastern countries.
By granting the right to reside and travel freely within Malta, the Golden Visa ensures you can seamlessly integrate into one of Europe’s most welcoming and well-connected nations.

Malta’s archipelago includes Malta, Gozo, and Comino. Malta is the economic center, while Gozo offers a peaceful retreat, providing a balance of city life and tranquility
Benefit 4
High-Quality Healthcare System and Facilities
Malta’s healthcare system is highly regarded, ranking among the top in Europe. In 2023, Malta achieved a health index score of 73, placing it 14th among European countries.
Here are some notable private medical facilities in Malta:
Saint James Hospital Group in Sliema offers a broad range of medical, surgical, and allied health specialties, including routine health check-ups, X-rays, CT scans, and MRIs, gynecology, and prenatal care.
DaVinci Health in Birkirkara is a comprehensive medical center offering services such as cosmetic surgery, dental care, psychiatry, and sports medicine, known for its state-of-the-art technology and patient-centered approach.
St Thomas Hospital in Qormi is a well-equipped private hospital providing round-the-clock emergency care for critical and urgent conditions, comfortable rooms for overnight stays with dedicated nursing care.
For families considering relocation, healthcare infrastructure offers peace of mind, knowing that comprehensive medical services are readily available. Whether seeking routine check-ups or specialised treatments, residents can trust in the quality and efficiency of the healthcare system.
Healthcare costs in Malta are generally lower than in many other European countries, especially when compared to nations like the UK or Germany. Private consultations and treatments are affordable, with many expats choosing private healthcare due to shorter waiting times. For example, the cost of a private doctor consultation in Malta is often half of what it would be in the UK.
While public healthcare services are accessible to residents, many expatriates opt for private health insurance to ensure quicker access to specialists and reduced waiting times. Private health insurance plans in Malta can start from as little as €25 per month, depending on factors such as age, gender, and coverage level.
Benefit 5
Access to World-Class Education and Schools
Malta offers an exceptional education system that combines high-quality academics with a rich cultural foundation. Holding a Malta Golden Visa allows your children, who have permanent residence permits, to access top-tier schools and universities. This ensures they receive an education that meets international standards.
Key highlights of Malta’s education system include bilingual instruction and diverse education options. It ranges from public schools to private and international schools catering to various curricula, including British, American, and International Baccalaureate.
Compared to many other EU countries, Malta provides high-quality education at competitive costs. The average annual tuition fee for international schools in Malta is approximately €8,000, more affordable compared to Germany, where fees average around €13,000.
Notable schools in Malta:
Verdala International School. Offers an IB curriculum and fosters a multicultural learning environment.
Chiswick House School & St. Martin’s College. Provides a British-style education focused on academic excellence and holistic development.
San Andrea School. Combines strong academics with extracurricular activities for well-rounded student growth.
For higher education, Malta is home to the University of Malta, one of the oldest universities in Europe. It offers a wide array of programs and attracts international students from around the world, ensuring a diverse and dynamic learning experience.
The University of Malta ranks in the top 800 worldwide, according to the QS World University Rankings 2025. As Malta’s premier public university, it offers a wide array of undergraduate and postgraduate programs across various disciplines. The institution is committed to providing high-quality education and fostering research initiatives, contributing significantly to both local and international academic communities.

Malta is also a hub for English language learning, with language schools welcoming students from across the globe
Benefit 6
Stable Political and Economic Environment
As an EU member state, Malta benefits from strong governance, legal frameworks, and adherence to European standards, ensuring political and social stability.
Political stability. Malta has a well-established democratic system with regular elections and peaceful transitions of power. Its political structure ensures transparency and a business-friendly environment.
Economic growth. The Maltese economy has consistently performed well, driven by sectors such as finance, gaming, tourism, and technology. Malta’s GDP growth ranks among the highest in the EU, reflecting its resilience and adaptability.
According to World Bank data, Malta’s Gross Domestic Product, GDP, in 2023 amounted to $20.96 billion, representing approximately 0.02% of the global economy. In the global ranking by GDP size, Malta holds the 136th position. At the same time, the country ranks 18th worldwide in GDP per capita.
Malta’s economy is projected to maintain robust growth, with a 5.0% GDP increase in 2024, followed by 4.3% growth in both 2025 and 2026. This positive outlook is driven by strong private and public consumption, bolstered by rising tourist arrivals and steady immigration.
Notably, tourism surpassed pre-pandemic levels in 2023, with a 21.1% increase in visitors between January and August 2024 compared to the same period in 2023.

Discover 9 most popular Golden Visa programs and choose the best one for your goals.
Benefit 7
Residency for Family Members
The Malta Golden Visa allows investors to extend residency rights to their immediate family members, ensuring that the benefits of living in Malta are shared across generations.
Eligible family members include:
legally married spouses or partners in a long-term relationship, including same-sex couples;
biological or adopted children under 18 of the main applicant or their spouse;
unmarried children aged 18 to 29 financially dependent on the main applicant or their spouse;
parents and grandparents of the main applicant or their spouse, provided they are principally dependent on the main applicant.
Stepparents of the main applicant or spouse are also accepted as applicants for the Malta Golden Visa. All adult dependents must demonstrate financial dependence on the main applicant.
By accommodating a broad range of family members, the Malta Golden Visa program facilitates a unified relocation experience, allowing families to build their futures together in a stable and prosperous environment.
Benefit 8
Pathway to Maltese Citizenship by Naturalisation
The Malta Golden Visa provides a potential pathway to Maltese citizenship by naturalisation. While the residency program itself does not grant citizenship automatically, it establishes the foundation for eligible applicants to apply for citizenship after meeting specific requirements.
Key steps to citizenship by naturalisation:
Residency requirement. Applicants must reside in Malta for a minimum of 5 years, demonstrating genuine ties to the country. This includes maintaining a physical presence and active participation in Maltese life.
Legal commitment. Residency must be maintained under the conditions of the Golden Visa, such as property ownership or rental, and compliance with investment requirements.
Cultural integration. Applicants may be required to show integration into Maltese society, such as basic proficiency in Maltese or English and an understanding of local traditions and laws.
Application submission. Citizenship applications are submitted to the relevant Maltese authorities, including evidence of residency and compliance with legal requirements.
As a Maltese citizen, you gain the right to live, work, and study in any EU member state. Maltese passport is one of the strongest passports globally, offering visa-free or visa-on-arrival access to over 160 countries.
Сomplete list of visa-free countries for Malta citizens
Benefit 9
Application Process with Clear Requirements
The process of obtaining the Malta Golden Visa is transparent and straightforward. Applications must be submitted through a licensed agent authorised by the Residency Malta Agency.
Here’s a concise overview of the key steps an investor must take to obtain permanent residency through the Malta Golden Visa program:
Preparation of required documents and submitting an application.
Completion of due diligence conducted by Maltese authorities.
Completion of investments.
Obtaining final approval of the application.
Getting permanent residency cards.
The entire process typically takes 6 months or more from the initial application to the issuance of residency cards. Permanent residency granted under the Malta Golden Visa is valid for life, with residency cards renewable every five years.
Benefit 10
Refundability of Investment Options in Malta
Investments in purchasing real estate under the Malta Golden Visa program can be refunded, provided that the following conditions are met:
The property must be held for at least 5 years.
After selling, the investor must rent or purchase another residential property.
Malta’s real estate market is steadily growing, driven by demand from locals, expats, and international investors. In the first quarter of 2024, Malta’s residential property market experienced a modest growth of 3.38% year-over-year. This follows a series of annual increases: 6.72% in Q1 2024, 7.54% in Q4 2023, 6.82% in Q3 2023, 8.3% in Q2 2023, and 10.51% in Q1 2023.
Notably, apartment prices saw a significant rise of 8.8% year-over-year in Q2 2024, slightly down from a 9.3% increase in Q2 2023. When adjusted for inflation, this represents a 6.5% growth. Over the past decade, Malta’s property prices have surged by approximately 89.37%, reflecting a robust and resilient real estate market.
Investment requirements under the Malta Golden Visa program
The Malta Golden Visa program offers individuals and families the opportunity to obtain permanent residency by making a qualifying investment. To apply, applicants must meet several key requirements:
Rent real estate for at least €14,000 per annum or buy a property for at least €375,000 for a property situated in Malta or Gozo.
Pay an application administrative fee. Investors pay €15,000 as an initial payment and €35,000 at the final stage, regardless of whether they choose to buy or rent property. Application administrative fee for each dependant is €5,000.
Make a government contribution. Investors must make a one-time, non-refundable contribution of €30,000 to the government if purchasing property, or €60,000 if renting.
Make a donation to a non-governmental organisation. An additional donation of €2,000 is required to a local NGO. This donation contributes to social projects in Malta.
Prove funds. Applicants must demonstrate assets worth at least €500,000, with €150,000 in liquid financial assets, or show a portfolio of €650,000, with at least €75,000 in liquid financial assets.
How to Obtain Permanent Residency in Malta via Investment
The entire process typically takes 6 months or more from the submission of the application to the issuance of residency cards.
1 day
Preliminary Due Diligence
Investors applying for the Malta Golden Visa work with a licensed agent, authorised by the Residency Malta Agency, who provides full support throughout the entire process. This includes assisting with document preparation, coordinating the application submission, and organising the receiving of permanent residency cards.
Due Diligence is a required part of the Malta Golden Visa program and determines whether the investor qualifies for residency.
Investors applying for the Malta Golden Visa work with a licensed agent, authorised by the Residency Malta Agency, who provides full support throughout the entire process. This includes assisting with document preparation, coordinating the application submission, and organising the receiving of permanent residency cards.
Due Diligence is a required part of the Malta Golden Visa program and determines whether the investor qualifies for residency.
1+ month
Documentation collection and submission
The applicant collects the required documents, such as proof of source of funds, a certificate of no criminal record, health insurance policy, and other personal and financial documents.
Once the documents are prepared, the lawyers submit the application to the Residency Malta Agency. At this point, the main applicant is required to pay a non-refundable administration fee of €15,000.
The applicant collects the required documents, such as proof of source of funds, a certificate of no criminal record, health insurance policy, and other personal and financial documents.
Once the documents are prepared, the lawyers submit the application to the Residency Malta Agency. At this point, the main applicant is required to pay a non-refundable administration fee of €15,000.
3 to 6 months
Due Diligence
The Maltese government’s rigorous vetting process ensures that only reputable individuals receive residency. This involves scrutinising financial, criminal, and personal records. Due Diligence takes at least four months, but typically six to eight months.
The Maltese government’s rigorous vetting process ensures that only reputable individuals receive residency. This involves scrutinising financial, criminal, and personal records. Due Diligence takes at least four months, but typically six to eight months.
Up to 8 months
Making the investment
Applicants choose between buying a property in Malta or committing to a rental agreement for 5 years. They also pay the contribution and administration fees at this stage, as well as make a required charity donation.
Applicants choose between buying a property in Malta or committing to a rental agreement for 5 years. They also pay the contribution and administration fees at this stage, as well as make a required charity donation.
1 day
Fingerprinting
All applicants in the application visit Malta for fingerprinting and possibly other biometric data collection. This step aids in identity verification and security checks.
All applicants in the application visit Malta for fingerprinting and possibly other biometric data collection. This step aids in identity verification and security checks.
1 week
Final approval
After the investor meets all the conditions, the Residency Malta Agency reviews the additional documents submitted by the lawyers. Following this review, applicants receive final approval, confirming that the applicants will receive their permanent residence cards.
After the investor meets all the conditions, the Residency Malta Agency reviews the additional documents submitted by the lawyers. Following this review, applicants receive final approval, confirming that the applicants will receive their permanent residence cards.
2 weeks
Residency card issuance
After verifying the investments and ensuring all criteria are met, the Maltese government processes the issuance of a permanent residency card. This card is valid for five years.
After verifying the investments and ensuring all criteria are met, the Maltese government processes the issuance of a permanent residency card. This card is valid for five years.
Annually for the first 5 years
Annual review of compliance with the program terms
The Residency Malta Agency verifies that the investor complies with the program requirements, including renting or owning a residential property in Malta and holding assets. This verification is conducted annually for the first five years following the grant of permanent residence.
The Residency Malta Agency verifies that the investor complies with the program requirements, including renting or owning a residential property in Malta and holding assets. This verification is conducted annually for the first five years following the grant of permanent residence.
Advantages of Relocating to Malta
Relocating to Malta offers a unique combination of practical benefits and an exceptional quality of life. Whether for individuals or families, Malta’s welcoming environment and favorable living conditions make it an ideal destination for long-term residency.
English as an official language. English is one of Malta’s two official languages, making it easy for expatriates to integrate into society. The EF English Proficiency Index, published by the National Statistics Office, reveals that 96% of Malta’s residents have an understanding of English, making it the most commonly understood language in the nation.
From government services to education and healthcare, English is widely spoken, ensuring easy communication and reducing language barriers for new residents.
Exceptional safety. Malta ranks 30th worldwide in the World Justice Project’s Rule of Law Index, with an impressive 10th place in the "Order and Security" category among 142 countries. Families can feel secure raising children in this peaceful environment, while individuals can explore the islands freely without concern.
Mediterranean climate. Malta boasts over 300 sunny days a year, making it one of Europe’s sunniest countries. Residents enjoy mild winters and warm summers, perfect for outdoor activities and embracing a Mediterranean lifestyle. The pleasant climate enhances overall well-being and adds to Malta’s appeal as a relocation destination.
Instead of Conclusion
The Malta Golden Visa offers permanent residency in an EU country with the potential to apply for citizenship by naturalisation after five years, providing full access to the privileges of EU membership.
The investment pathway allows for residency to be extended to family members, including spouses, children, and even dependent parents and grandparents, ensuring families can relocate and thrive together.
Malta combines safety, an English-speaking population, affordable living costs, and a Mediterranean climate with over 300 sunny days per year, making it a desirable place to live.

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