Updated: 10 March 2025, 01:40 pm
|||Investing in real estate is not just a smart financial move—it can also unlock residency opportunities in some of the world’s most desirable destinations. Many countries offer residency by investment programs, allowing foreign investors to secure legal residence through property purchases. This guide explores the top five countries that provide residency for buying property in 2025.
- Greece
Greece stands out as one of the most accessible European countries for obtaining residency through investment. The Greece Golden Visa – Residency by Investment program allows non-EU citizens to secure a residence permit by making a real estate investment in the country.
Among the available investment options, property acquisition is the most popular, especially among expatriate retirees. The minimum investment requirement varies based on location:
- €800,000 Investment Zone (High-Demand Areas)
For prime locations, the minimum investment is raised to €800,000, covering:
- Entire Attica region (including Athens)
- Thessaloniki & Central Macedonia region
- Mykonos, Santorini, and the South Aegean region
- Greek islands with over 3,100 inhabitants, including: Crete, Euboea, Rhodes, Corfu, Lesbos, Chios, Zakynthos, Kos, Kefalonia, Samos, Lefkada, Syros, Naxos, Kalymnos, Lemnos, Paros, Thassos, Aegina, Tinos, Ikaria, Andros, Leros, Karpathos, Skiathos, Milos, Skopelos, Spetses, Kythera, Patmos, Poros, Alonissos.
2. €400,000 Investment Zone (Rest of Greece)
For properties located outside the high-demand areas, the minimum investment remains at €400,000. This applies to regions not included in the €800,000 investment zone.
3. €250,000 Special Investment Category
- Commercial or industrial properties converted into residential units.
- If an investor successfully changes the property’s use to residential, they can qualify for the Golden Visa with a €250,000 investment—regardless of location.
Key Property Conditions: Minimum 120m², single-property investment, no short-term rentals, and no business use.
The residence permit is typically processed within 3 to 6 months. Once granted, the permit is valid for five years and can be renewed indefinitely as long as the investor retains ownership of the property.
Additionally, family members—including spouses, parents, and children up to 21 years old—can be included in the application. Holding a Greek residence permit grants full visa-free access to the Schengen Area, making travel across Europe seamless.
For a detailed list of destinations accessible without a visa, refer to Greece Passport Visa-Free Countries 2025.
- Cyprus
The Cyprus Golden Visa – Residency By Investment Program is a top choice for expats seeking permanent residency through real estate investment. With a minimum real estate investment of €300,000, Cyprus offers one of the most affordable options for securing residency within the EU.
To qualify, investors must:
- Purchase a newly built residential or commercial property worth at least €300,000 (resale properties are NOT eligible).
- Demonstrate stable financial means and a secured annual income of at least €30,000 (plus additional amounts for dependents).
The processing time is typically 2 to 3 months, and the permit grants permanent residency with no renewal required as long as the investment is maintained. Family members, including parents and dependent children up to 25 years old, can also be included.
For a detailed breakdown of benefits, refer to Cyprus Residency by Investment Benefits, and for travel advantages, explore Cyprus Passport Visa-Free Countries 2025.
- Spain
The Spain Golden Visa is a sought-after option for non-EU citizens looking to gain residency in the Schengen Area. To qualify, applicants must invest a minimum of €500,000 in real estate, though alternative investment routes include government bonds, business ventures, and stock purchases.
The residence permit is typically processed within 2 to 3 months and is renewable every five years, provided the investment remains intact. It also extends to spouses and dependent children, ensuring family inclusion. Golden Visa holders gain full visa-free access to the Schengen Area, making travel across Europe seamless.
While Spain requires ten years of residency for naturalization, citizens of former Spanish colonies may qualify for a fast-tracked citizenship process. For more details, visit Spain Residency by Investment Benefits and explore global mobility options with Spain Passport Visa-Free Countries 2025.
Important Update: Spain has announced that its Golden Visa program will officially end on April 3, 2025. If you’re considering residency through real estate investment in Spain, act quickly to submit your application before the deadline. After this date, new applications will no longer be accepted.
- Malta
In addition to its well-known citizenship program, Malta offers residency by investment through the Malta Golden Visa. This program allows non-EU investors to obtain permanent residency in an EU member state, benefiting from a stable economy, high quality of life, and visa-free access to the Schengen Area.
To qualify, investors must meet a total investment requirement, structured as follows:
Real Estate Investment:
- Purchase property worth at least €375,000 in Malta or Gozo.
- Rent a property for at least €14,000 per year in Malta or Gozo.
Government Contributions & Fees:
- Non-refundable administration fee: €50,000 (€15,000 at application + €35,000 post-approval).
- Additional contribution:
- €30,000 for purchased properties.
- €60,000 for rented properties.
- Dependents: €10,000 per dependent (€5,000 administration fee + €5,000 contribution).
The processing time is typically 4 to 6 months, and successful applicants receive permanent residency for life. Family members, including spouses, parents, and dependent children (18-28 years old, unmarried, and financially dependent), can be included.
For more details, explore Malta Passport Visa-Free Countries 2025 to see the full list of destinations accessible with a Maltese residence permit.
- Portugal
Portugal remains one of the most sought-after destinations for real estate investment in Western Europe, thanks to its affordable property market and the opportunity to obtain permanent residency through the Portugal Golden Visa Program.
To qualify for the Portugal Golden Visa, investors can choose from the following:
- Cultural & Heritage Investment
- €250,000 to support artistic production or the preservation of national heritage.
- Reduced to €200,000 for investments in less populated areas.
2. Scientific Research Contribution
- A €500,000 donation for projects in public or private scientific institutions.
3. Fund-Based Investment
- €500,000 in Portuguese mutual funds or venture capital funds.
4. Financial Contribution Option
- A non-refundable investment of €168,000.
The Portugal Golden Visa typically takes 6 to 9 months to process. Once granted, the permit allows investors to reside in Portugal, travel visa-free within the Schengen Area, and apply for Portuguese citizenship after five years.
For more details, explore Portugal Residency by Investment Benefits and Portugal Passport Visa-Free Countries 2025.
Why Buy Property for a Visa?
- Extended Stay: Property-linked visas often grant long-term residency, with some leading to permanent residency or citizenship.
- Profitable Investment: Owners can rent out their property and generate income while maintaining their visa status.
- Family Inclusion: Many programs allow spouses and dependent family members to be included in the residency application.
- Enhanced Travel Freedom: Certain property-based visas offer visa-free access to nearby regions—for instance, Greece’s property visa allows unrestricted travel within the Schengen Area.
Hidden Gems: Lesser-Known Countries Offering Property-Linked Visas
- Georgia: Invest $100,000 in real estate to gain temporary residency, with affordable properties in Tbilisi and Batumi.
- Malaysia (MM2H Program): Secure long-term residency by investing at least $120,000 in property.
- Dominica: Obtain Caribbean Citizenship by Investment with a $200,000 property purchase, gaining visa-free access to 140 countries.
Explore other options for Caribbean Citizenship by Real Estate Investment.
Factors to consider when choosing a Residency by Real Estate Investment Program in 2025
1.Research Available Programs
Understand the legal framework, investment thresholds, and application timelines for each country. Compare how their programs align with your personal or business goals, ensuring they offer the flexibility and benefits you seek.
If you’re new to the concept, check out our comprehensive guide on What is a Golden Visa and how does it work? to understand how these programs function.
2. Assess Eligibility Criteria
Each country has specific requirements for real estate investment residency, including minimum investment amounts, property types, and holding periods. Some may require proof of financial stability, background checks, or additional fees. Verify if family members can also obtain residency under the same investment and if there are any restrictions based on nationality.
3. Evaluate the Country’s Stability
Political and economic stability is crucial when investing in real estate for residency purposes. Research the government’s policies on foreign investment, taxation, and long-term residency rights. Look into the country’s legal framework and property rights to ensure your investment remains secure and unaffected by future policy changes.
4.Examine the Real Estate Market
Analyzing the real estate market is essential before investing. Factors like property prices, rental yields, and market stability influence potential returns. Thorough research ensures informed decision-making.
5. Analyze Benefits and Privileges
Beyond residency, consider what additional benefits the country offers. Some programs grant visa-free travel to the Schengen Area, access to healthcare and education, and a pathway to citizenship. However, it’s important to understand what is the difference between permanent and temporary residency before making an investment decision.
6. Consider Lifestyle and Quality of Life
Evaluate climate, healthcare, education, safety, and overall living standards to ensure the country aligns with your lifestyle preferences. If you plan to relocate or spend significant time in the country, assess the cost of living, cultural fit, and social environment to determine if it meets your personal and family needs.
7. Compare Costs and Returns
Beyond the initial investment, assess tax policies, maintenance costs, and potential returns on your real estate purchase. Some countries impose capital gains tax, inheritance tax, or annual property taxes that could impact your long-term financial planning. If rental income is a goal, research the rental market and demand for short-term or long-term leases.
8. Seek Professional Advice
Work with legal, financial, and real estate experts who specialize in residency-by-investment programs. They can guide you through due diligence, legal documentation, and tax implications while ensuring compliance with local laws. A professional consultant can help you avoid hidden pitfalls and maximize the benefits of your investment.
How Can Migrate World Help?
Migrate World’s expert team provides tailored residency solutions, leveraging strong global connections and ensuring full compliance through thorough due diligence. With a proven track record, multilingual support, and a commitment to transparency, we make the residency-by-investment process seamless and stress-free.
Conclusion
Securing residency through real estate investment offers long-term benefits, from enhanced travel freedom to financial growth and stability. With options available across Europe and beyond, investors can choose programs that align with their lifestyle, business goals, and long-term plans. However, navigating the legal and financial aspects of residency-by-investment requires careful planning and expert guidance. Contact us today and take the next step toward global mobility and financial security.
Disclaimer: Residency and citizenship by investment programs are subject to change. Follow us for updates or check our website regularly for the latest information.
Frequently Asked Questions
1. What is the easiest European country for buying property as a foreigner?
Several European countries have streamlined processes for foreign property buyers. Nations like Portugal, Spain, and Greece offer relatively simple procedures, with minimal restrictions and attractive real estate markets. Additionally, these countries provide legal protections for foreign investors, making the buying process more accessible and secure.
2. What are the advantages offered by a Residency through real estate investment?
Residency through real estate investment allows individuals to live in their chosen country and enjoy various local benefits. It can provide long-term stability, access to quality healthcare and education, and ease of travel depending on the country’s agreements. Additionally, some programs offer a pathway to permanent residency or citizenship over time.
3. Which additional costs does an Investor bear when buying real estate under a program?
When purchasing real estate, applicants must cover taxes and fees required by the chosen country’s regulations, which may vary based on family size. Investors are also responsible for annual property ownership taxes and any applicable taxes on rental income. Additionally, they must pay for utilities such as electricity, water, gas, and communication services.
4. What if I decide to sell the property?
In many countries, selling the property results in visa cancellation unless a reinvestment is made.
