Portugal started issuing residence permits by investment in 2012. The program is popular among investors: 27,000 applicants got Golden Visas in the last 10 years. Investors choose between seven options. Applicants often buy a property for restoration for €350,000 or a new real estate for €500,000. The purchase of investment fund units for €500,000 is also gaining popularity. If investors choose to buy real estate or investment fund units, they can return the money in 5 years by selling the asset. If they remain Portuguese residents for 5 years, the investor and their family members can apply for permanent residence or citizenship. At the same time, they don’t have to live in Portugal. Golden Visas holders maintain their residence status by spending seven days a year in the country.
Holders of a Portuguese residence permit can visit the Schengen countries visa-free for up to 90 days in any 180-day period
A Portuguese residence permit allows you to travel to Portugal without a visa at any time, even when the borders are closed to tourists.
Investors with the non-habitual resident (NHR) status do not pay tax on income earned in other countries for the first 10 years. The NHR status also reduces their tax rate on income earned in Portugal to 20% compared to the highest tax rate of 48%.
Holders of Portuguese residence permits by investment are eligible to apply for permanent residence or citizenship after five years. At the same time, they do not have to live in the country, as long as they spend seven days a year in Portugal and renew their residence permit card every two years.
Over 18 years old with no criminal record, Proven legal income, Investment funds originating outside of Portugal, No debt in Portugal Valid medical insurance policy
Children between 18.26 have to be financially dependent on the investor Living with the investor or studying at a university
Over 65
Portugal offers seven investment options. The most popular option is purchasing new real estate or an older property for restoration. Investors can buy residential properties in Madeira, the Azores, and mainland Portugal’s interior regions. Commercial properties are available for purchase in any Portuguese area
Investors choose between two options:
1. €350,000+ for the purchase of real estate built more than 30 years ago or located in designated restoration areas. If a property is in a sparsely populated area, its price may start at €280,000.
2. €500,000+ for purchasing a newer residential or commercial real estate. €400,000+ is the price for properties built less than 30 years ago and in a sparsely populated area. The investor can sell the property in five years and return the money.
| Real Estate purchase | €280,000+ |
|---|---|
|
Transfer tax |
6 to 8% of the property value |
|
Stamp duty |
0.8% of the property value |
|
Annual property tax |
0.4% of the cadastral property value |
|
Medical insurance |
€400+ per person |
|
Application fee |
€533 per family member |
|
Residence permit card |
€5,340 per family member |
The option is the best way to obtain a Portugal Golden Visa if the investor doesn’t plan to live in Portugal or invest in real estate.
An investment fund is a financial institution that aims to attract and increase capital. The fund raises money and invests in selected assets: residential or commercial real estate, Portuguese companies, industrial facilities or the European stock market.
The minimum fund investment is €500,000. The holding period is at least 5 years. However, the money is usually returned in 6—10 years. The fund distributes the earned profit among investors withdrawing a commission.
| Purchase of fund units | €500,000+ |
|---|---|
|
Fund commission when investing |
Up to 7.5% |
|
Annual fund commission on profits |
0.5 to 3% |
|
Tax on investment income for Portuguese tax
residents |
14% |
|
Tax on investment income for non-residents |
0% |
|
Medical insurance |
€400+ per person |
|
Application fee |
€533 per family member |
|
Residence permit card |
€5,340 per family member |
| Golden Visa | Other types of residence permit | |
|---|---|---|
|
Portuguese language
proficiency test |
Not Required |
Required |
|
Mandatory residing
in the country |
7 days a year |
183 days a year |
|
Permanent residing
in the country to qualify
for citizenship |
Not Required |
Required |
|
Rejection risk |
Low |
High |
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