EASY RESIDENCY PROGRAM BY INVESTMENT

 EUROPE

The Malta Residency by Investment program, also known as the Malta Permanent Residence Program (MPRP), was introduced in March 2021, replacing the previous Malta Residence and Visa Program (MRVP) which was initiated in 2015. This program aims to attract foreign investors to the country by offering them and their families the opportunity to reside in Malta permanently.

To qualify for the MPRP, applicants must make a combination of investments and contributions. Here are the primary requirements:

1. Government Contribution:
   
   • A non-refundable government contribution of €68,000 if the property is purchased.
   • A non-refundable government contribution of €98,000 if the property is rented.

1. Property Investment:
   
   • Purchase of property valued at a minimum of €350,000 in the central or northern parts of Malta, or €300,000 in the southern region or Gozo.
   • Alternatively, renting a property with a minimum annual lease of €12,000 in the central or northern parts of Malta, or €10,000 in the southern region or Gozo.

1. Donation to a Non-Governmental Organization (NGO):
   
   • A donation of at least €2,000 to a registered NGO.

1. Administrative Fee:
   
   • An administrative fee of €40,000.
   • 
     

1. Initial Application:
   
   • The initial application involves submitting the required documentation, including proof of investment, background checks, and health insurance.
   • Processing Time: The initial application process typically takes around 4 to 6 months.

1. Approval and Residency Permit:
   
   • Upon approval, applicants and their family members receive a permanent residency permit, allowing them to live in Malta indefinitely.

1. Permanent Residency:
   
   • The permit granted is permanent, but card renewals are needed every five years, similar to other residency permits.

1. Path to Citizenship:
   
   • While the MPRP provides permanent residency, it does not directly lead to citizenship. However, after a period of legal residence (usually 5 years), residents may apply for Maltese citizenship, subject to fulfilling additional criteria, including residency and language requirements.
   • 
     

• Visa-Free Travel:  Visa Free Travel to Europe including 29 countries in the Schengen zone. 
• High Quality of Life: Malta offers a Mediterranean lifestyle with excellent healthcare, education, and a safe living environment.
• Tax Advantages: Malta has a favorable tax regime for residents.
• Family Inclusion: The program allows for the inclusion of family members, including spouses, children, and dependent parents and grandparents.

 EUROPE

*Important Update – Greece Golden Visa Program Price Increasing Soon.

The cost of the Greece Golden Visa Program is set to rise from the current minimum investment of EUR 250,000 to a minimum of EUR 400,000.

Investors may still apply under the current EUR 250,000 minimum threshold, provided they pay a 10% deposit by 31 August 2024, and finalize the investment by 31 December 2024. 

The Greece Golden Visa Program was introduced in 2013 by the Greek government as part of an effort to stimulate economic growth through foreign investment. This program offers residency permits to non-EU citizens who make significant investments in Greece, primarily in real estate.

To qualify for the Greece Golden Visa, applicants must meet one of the following investment criteria:

1. Real Estate Investment:
   • Purchase property worth at least €250,000. This is one of the lowest investment thresholds among European Golden Visa programs.

1. Other Investment Options:
   • Investment in Greek companies or government bonds, although real estate is the most common and straightforward option.

1. Initial Application:
   
   • Applicants need to submit their investment and personal documentation, including proof of property purchase, proof of payment, passport, and health insurance.
   • The documentation is typically submitted through a Greek consulate or directly to the relevant Greek authorities.

1. Approval and Residency Permit:
   
   • Upon approval, a five-year residency permit is granted to the investor and their family members (spouse, children under 21, and dependent parents of both the investor and their spouse).
   • Processing Time: The initial application process generally takes around 2 to 3 months, making it one of the faster Golden Visa programs in Europe.

1. Renewal of Residency Permit:
   
   • The residency permit can be renewed every five years, provided the investment is maintained. There is no minimum stay requirement to maintain the residency permit.

1. Path to Citizenship:
   
   • While the Golden Visa provides residency, it does not directly lead to citizenship. However, after seven years of continuous residence in Greece, investors may apply for Greek citizenship, provided they meet additional criteria, such as knowledge of the Greek language and integration into Greek society.

• Visa-Free Travel: Holders of the Greece Golden Visa can travel freely within the Schengen Area.
• High Quality of Life: Greece offers a favorable climate, rich cultural heritage, and a high standard of living.
• No Minimum Stay Requirement: Investors are not required to live in Greece to maintain their residency status.
• Family Inclusion: The program allows for the inclusion of family members, providing them with the same residency rights.

 EUROPE

The Cyprus Residency by Investment program, also known as the Cyprus Permanent Residency Program, was introduced in 2013. The program aims to attract foreign investment by offering permanent residency to non-EU nationals who make a significant investment in the country, primarily through real estate.

To qualify for the Cyprus Permanent Residency Program, applicants must fulfill the following investment criteria:

1. Real Estate Investment:
   • Purchase residential or commercial property with a minimum value of €300,000 (plus VAT). The property can be a maximum of two units, and they must be new properties purchased from a developer.

1. Other Investment Options:
   • Investment in a Cypriot company’s share capital with a minimum value of €300,000, provided the company is based and operating in Cyprus and employs at least five people.
   • Investment in units of a Cyprus Collective Investment Fund (AIF, AIFLNP, RAIF) with a minimum value of €300,000.

1. Initial Application:
   
   • Submit the application to the Civil Registry and Migration Department, including proof of investment, clean criminal record, and other necessary documentation.
   • Applicants must also provide evidence of a secure annual income of at least €30,000, plus €5,000 for each dependent (spouse and children) and €8,000 for each dependent parent (of both the investor and their spouse).

1. Approval and Residency Permit:
   
   • Upon approval, applicants receive a permanent residency permit.
   • Processing Time: The entire process typically takes about 2 to 3 months, making it one of the faster residency programs in Europe.

1. Permanent Residency:
   
   • The residency permit is permanent and does not need renewal. However, the applicant must visit Cyprus at least once every two years to maintain the validity of the residency permit.

1. Path to Citizenship:
   
   • While the program provides permanent residency, it does not directly lead to citizenship. However, after seven years of continuous residence in Cyprus, residents may apply for Cypriot citizenship, provided they meet the additional criteria, including staying in Cyprus for the entire year preceding the application.

• Visa-Free Travel: Permanent residents can travel freely within the Schengen Area (once Cyprus becomes a full Schengen member, which is expected in the near future).
• High Quality of Life: Cyprus offers a Mediterranean lifestyle with excellent healthcare, education, and a safe living environment.
• Favorable Tax Regime: Cyprus has a favorable tax regime for residents and is considered a business-friendly environment.
• Family Inclusion: The program allows for the inclusion of family members, providing them with the same residency rights.

 EUROPE

The Latvia Residency by Investment Program, also known as the Latvian Investor Visa Program, was introduced in 2010 as part of amendments to the Latvian Immigration Law. This program was designed to attract foreign capital to stimulate the country’s economy by offering temporary residence permits to non-EU nationals who make significant investments in Latvia.

To qualify for the Latvia Residency by Investment Program, applicants can choose from several investment options:

1. Real Estate Investment:
   
   • Purchase real estate with a minimum value of €250,000 plus a one-time payment of 5% of the property value to the state budget.

1. Capital Investment:
   
   • Invest at least €280,000 in the equity capital of a Latvian company, plus a one-time payment of €25,000 to the state budget.

1. Financial Investment:
   
   • Deposit at least €280,000 in a subordinate loan or subordinated bonds of a Latvian bank for a period of at least five years.

1. Public Securities:
   
   • Purchase special-purpose public bonds with a nominal value of €250,000 plus a one-time payment of €38,000 to the state budget.

1. Initial Application:
   
   • Submit the application to the Office of Citizenship and Migration Affairs (OCMA) in Latvia, including proof of investment, a valid passport, health insurance, a clean criminal record, and other necessary documentation.
   • Processing Time: The initial processing time for the temporary residence permit is typically 30 to 90 days.

1. Issuance of Residency Permit:
   
   • Upon approval, applicants receive a temporary residence permit, initially valid for five years.

1. Renewal of Residency Permit:
   
   • The residence permit must be renewed annually by submitting proof that the investment is maintained and other conditions are met, such as having a place of residence in Latvia and health insurance.

1. Permanent Residency and Citizenship:
   
   • After five years of holding a temporary residence permit, investors may apply for permanent residency.
   • After ten years of residence in Latvia, investors may apply for Latvian citizenship, subject to meeting additional requirements, including language proficiency and knowledge of Latvian history and culture.

• Visa-Free Travel: Temporary residents can travel freely within the Schengen Area.
• High Quality of Life: Latvia offers a high standard of living, a favorable business environment, and a rich cultural heritage.
• Family Inclusion: The program allows for the inclusion of family members, granting them the same residency rights.
• Path to Citizenship: Provides a clear pathway to permanent residency and, eventually, citizenship.

Europe

The Spain Residency by Investment Program, commonly referred to as the Spain Golden Visa Program, was introduced in September 2013 under Law 14/2013, aimed at supporting entrepreneurs and their internationalization. This initiative was designed to attract foreign investment and stimulate economic growth in Spain by offering residency permits to non-EU nationals who make significant investments in the country.

To qualify for the Spain Golden Visa, applicants can choose from several investment routes:

1. Real Estate Investment:
   
   • Purchase real estate with a minimum value of €500,000.

1. Capital Investment:
   
   • Transfer at least €1 million into a Spanish bank account.
   • Invest at least €1 million in Spanish companies or buy shares of Spanish companies.
   • Invest at least €1 million in investment funds, venture capital funds, or private equity funds established in Spain.
   • Invest at least €2 million in Spanish government bonds.

1. Business Projects:
   
   • Invest in a business project that is deemed to be of general interest, meeting criteria such as job creation, socioeconomic impact, or significant contribution to scientific/technological innovation.

1. Initial Application:
   
   • Submit the application either through the Spanish consulate or directly in Spain, including necessary documentation such as proof of investment, a valid passport, health insurance, and proof of sufficient financial resources.
   • Processing Time: The initial application for a one-year visa typically takes 20 days.

1. Residency Permit:
   
   • Once the investment is confirmed, applicants can apply for a two-year residency permit, renewable every two years.
   • Processing Time: Issuance of the residency permit typically takes around 1 to 2 months after the initial application.

1. Renewal of Residency Permit:
   
   • The residency permit can be renewed indefinitely every two years as long as the investment is maintained and other conditions are met, such as maintaining health insurance and sufficient financial resources.

1. Permanent Residency and Citizenship:
   
   • After five years of continuous residence, investors can apply for permanent residency.
   • After ten years of residence, investors may apply for Spanish citizenship, subject to additional requirements, including proficiency in the Spanish language and integration into Spanish society.

• Visa-Free Travel: Holders of the Spain Golden Visa can travel freely within the Schengen Area.
• No Minimum Stay Requirement: There is no minimum stay requirement to maintain the residency permit, though physical presence may be required for permanent residency or citizenship.
• High Quality of Life: Spain offers a favorable climate, rich cultural heritage, excellent healthcare, and a high standard of living.
• Family Inclusion: The program allows for the inclusion of family members, granting them the same residency rights.

EUROPE

Italy offers a residency by investment program known as the "Investor Visa for Italy" (Visto per investitori). This program, introduced in 2017, aims to attract foreign investors by providing a streamlined pathway to residency in Italy in exchange for significant investments in the Italian economy.

To qualify for the Investor Visa for Italy, applicants must choose one of the following investment options:

1. Government Bonds:
   
   • Invest a minimum of €2 million in Italian government bonds. The investment must be held for at least two years.

1. Italian Companies:
   
   • Invest a minimum of €500,000 in an Italian limited company. The investment must be maintained for at least two years.

1. Innovative Startups:
   
   • Invest a minimum of €250,000 in an innovative startup registered in the special section of the Italian Business Register.

1. Philanthropic Donation:
   
   • Make a philanthropic donation of at least €1 million in support of a public interest project in the fields of culture, education, immigration management, scientific research, or preservation of cultural and natural heritage.

1. Initial Application:
   
   • Submit the application online through the Investor Visa for Italy portal, including proof of the intended investment, a valid passport, clean criminal record, health insurance, and other necessary documentation.
   • The application is reviewed by the Committee for the Evaluation of Investors and Philanthropists.

1. Approval and Visa Issuance:
   
   • Upon approval, the applicant receives a two-year investor visa. This visa can be converted into a residency permit upon arrival in Italy.
   • Processing Time: The initial application process generally takes about 30 days for approval, followed by visa issuance.

1. Residence Permit Renewal:
   
   • The initial residence permit is valid for two years and can be renewed for another three years, provided the investment is maintained.

1. Permanent Residency and Citizenship:
   
   • After five years of continuous residence, investors can apply for a long-term EU residency permit.
   • After ten years of continuous residence, they may be eligible to apply for Italian citizenship, subject to additional requirements such as knowledge of the Italian language and integration into Italian society.

• Visa-Free Travel: Residency in Italy allows for visa-free travel within the Schengen Area.
• High Quality of Life: Italy offers a high standard of living with excellent healthcare, education, and a rich cultural heritage.
• Family Inclusion: The visa extends to the applicant’s spouse and dependent children, providing them with the same residency benefits.
• Path to Citizenship: Provides a clear pathway to permanent residency and citizenship.

European Region 

 Montenegro, located in the Balkans, is known for its stunning landscapes, including mountains, beaches, and historical towns. The country is a candidate for European Union (EU) membership, but it is not yet a member. The ongoing accession process aims to align its legal and economic systems with EU standards, with potential membership anticipated around 2025.

Montenegro offers a high quality of life, with a lower cost of living compared to many Western European countries. It provides a safe living environment with relatively low crime rates. The education system includes several international schools, making it attractive for expatriates. Additionally, Montenegro boasts low taxes, with income tax rates ranging from 9% to 15%, making it a favorable destination for businesses and individuals seeking tax efficiency​ .

Montenegro currently does not offer a residency program specifically based on investment. Their Citizenship by Investment Program, which offered residency as a step towards citizenship, was discontinued in December 2022.

However, there are still ways to obtain residency in Montenegro:

1. Temporary Residence Permit: This is a good option if you plan to live in Montenegro for a year or less.  Here are the requirements:
   
   • Proof of means of subsistence (bank statements)
   • Arranged accommodation
   • Medical insurance
   • Valid passport
   • Clean criminal record in your home country and Montenegro

1. Residence Permit Through Property Ownership: This option allows for a temporary residency permit with the possibility of obtaining permanent residency after five years.
   
   • Purchase of any existing property (no minimum value required)

Additional Considerations:

• You'll need to apply for a residence permit at the Ministry of Interior in Montenegro.
• Processing times can vary, so plan accordingly.
• It's advisable to consult with an immigration lawyer specializing in Montenegro for the latest information and guidance on the application process.

Investment Potential:

• Property Value Appreciation: Montenegro's real estate market is on the rise, particularly as the country is a candidate for EU membership. This potential accession is expected to increase property values significantly.
• Tourism Growth: With its stunning coastline and historical sites, Montenegro is becoming a popular tourist destination. Investing in vacation rentals or tourism-related properties can provide substantial rental income​ (Nomad Capitalist)​​ (Montenegro Guides)​.

Tax Benefits:

• Low Taxes: Montenegro offers one of the lowest personal and corporate tax rates in Europe, typically between 9% and 15%. This makes it an attractive destination for investors looking to maximize their returns​ (Nomad Capitalist)​.

Residency Benefits:

• Temporary Residency: By purchasing real estate, foreign investors can obtain a temporary residence permit, which can be a pathway to permanent residency after five years. This residency allows for ease of travel within the region and access to various local benefits​ (Global Residence Index)​.

Quality of Life:

• Natural Beauty and Climate: Montenegro boasts beautiful landscapes, from mountains to beaches, and enjoys a Mediterranean climate, making it an appealing place to live or own a second home.
• Safety and Education: The country offers a safe living environment with low crime rates and several international schools, making it suitable for families​ (Nomad Capitalist)​​ (Global Residence Index)​.

North America

Panama offers several residency by investment programs, the most prominent being the Qualified Investor Program (QIP) and the Friendly Nations Visa (FNV). These programs aim to attract foreign capital and talent to Panama by providing various pathways to residency through significant investments.

1.Qualified Investor Program (QIP):

• Real Estate Investment: A minimum investment of USD 300,000 in real estate.
• Bank Deposit: A minimum fixed-term deposit of USD 750,000 in a Panamanian bank.
• Business Investment: A minimum investment of USD 500,000 in a Panamanian business.

2 ,Friendly Nations Visa (FNV):

• Real Estate or Business Investment: A minimum investment of USD 200,000 in real estate or a Panamanian company.
• Note: The FNV program underwent significant changes in August 2021, requiring an investment component which was not previously necessary.

3. Panama Forestry Investor Visa Program 

 To qualify for the Forestry Investor Visa, applicants must meet specific criteria:

1. Reforestation Investment:
   • Minimum Investment: The required investment amount is typically around USD 100,000 in a government-approved reforestation project.
   • Additional Investment: If the investor includes dependents (spouse and children), an additional USD 2,000 per dependent must be invested.

    

  2. Investment of USD 100,000 in teak reforestation. This option grants two years of temporary residence, after which the applicant can apply for permanent residence

3. Investment of USD 350,000 in teak reforestation. This option grants immediate permanent residence

1. Initial Application:
   
   • Submit the application to the National Immigration Service of Panama, including proof of investment, a valid passport, clean criminal record, health insurance, and other necessary documentation.
   • Processing Time: The initial application process for the QIP can take around 30 to 60 days, while the FNV process typically takes 2 to 4 months.

1. Approval and Residency Permit:
   
   • Upon approval, applicants receive a temporary residency permit, which is valid for two years.
   • After holding the temporary residency permit for two years, applicants can apply for permanent residency.

1. Permanent Residency and Citizenship:
   
   • Permanent residency can be applied for after two years of temporary residency.
   • After five years of permanent residency, applicants may be eligible to apply for Panamanian citizenship, subject to meeting additional requirements, such as demonstrating ties to the country and basic knowledge of Spanish.

• Visa-Free Travel: Permanent residents can travel visa-free within Central America and several South American countries.
• Low Cost of Living: Panama offers a relatively low cost of living compared to many Western countries.
• Tax Advantages: Panama has a territorial tax system, meaning that income earned outside of Panama is not subject to local taxes.
• High Quality of Life: Panama offers a high standard of living with modern infrastructure, healthcare, and a favorable climate.
• Path to Citizenship: Provides a clear pathway to permanent residency and citizenship, enabling full access to the benefits of a Panamanian passport.

Europe

The Luxembourg Residency by Investment Program, also known as the Luxembourg Golden Visa, was introduced to attract foreign investors and high-net-worth individuals to contribute to the country's economy. The program offers a pathway to residency through significant financial investments in various sectors of the economy.

Applicants can choose from several investment options to qualify for the residency program:

1. Existing Company Investment:
   
   • A minimum investment of €500,000 in an existing Luxembourg company involved in commercial, industrial, or craft activities. The investment must be maintained for at least five years.

1. New Business Creation:
   
   • A minimum investment of €500,000 in a new Luxembourg company involved in commercial, industrial, or craft activities, with a commitment to creating at least five jobs over the next three years.

1. Management and Investment Structure:
   
   • A minimum investment of €3 million in an existing or new management and investment structure registered in Luxembourg.

1. Financial Institution Deposit:
   
   • A minimum deposit of €20 million in a Luxembourg financial institution, maintained for at least five years.

1. Initial Application:
   
   • Applicants must submit their application to the Ministry of Finance or the Ministry of Economy, depending on the type of investment. This includes proof of investment, valid passport, health insurance, clean criminal record, and proof of suitable housing.
   • Processing Time: The process generally takes about six months from the submission of the application to the approval and issuance of the residence permit.

1. Approval and Residency Permit:
   
   • Once the investment is confirmed, the Ministry of Foreign Affairs issues the final approval. The applicant then receives a visa category D from their country of residence and must travel to Luxembourg within 90 days.
   • Upon arrival, applicants undergo a medical check and register with their commune within three days.

1. Permanent Residency and Citizenship:
   
   • The initial residence permit is valid for three years. After five years of continuous residence, applicants can apply for permanent residency. Citizenship can be applied for after another five years, provided the applicant has lived in Luxembourg continuously and meets additional requirements, such as passing a language test and attending an integration course.

• Visa-Free Travel: Residency provides visa-free access to the Schengen Area.
• No Minimum Stay Requirement: There is no obligation to purchase property, and investors need to spend at least six months in Luxembourg during the three-year residency visa period.
• Family Inclusion: The program allows for the inclusion of the applicant's spouse and dependent children.
• High Quality of Life: Luxembourg offers excellent healthcare, education, and a stable political and economic environment.
• Path to Citizenship: Offers a clear pathway to permanent residency and citizenship, enabling full access to the benefits of an EU passport.

CENTRAL AMERICA

El Salvador offers various residency options for foreign investors, including the Investor Resident Visa. This program is designed to attract foreign capital and stimulate economic growth in the country, with a special focus on Bitcoin investments following the country's adoption of Bitcoin as legal tender in 2021.

El Salvador's residency by investment program aims to provide foreign investors with the opportunity to reside in the country by making significant investments in the local economy. This program is part of El Salvador's broader strategy to attract international investment and enhance economic development, particularly in the cryptocurrency sector.

To qualify for the Investor Resident Visa, applicants can choose from the following investment options:

1. Real Estate Investment:
   
   • Purchase real estate with a minimum value of USD 100,000.

1. Business Investment:
   
   • Invest at least USD 100,000 in a new or existing business in El Salvador.

1. Bitcoin Investment:
   
   • Invest in Bitcoin with a minimum value of USD 100,000, in alignment with El Salvador's legal framework for cryptocurrency investments.

1. Employment Generation:
   
   • Create jobs for at least five Salvadoran citizens.

1. Initial Application:
   
   • Submit the application to the General Directorate of Immigration in El Salvador, including proof of investment, a valid passport, a clean criminal record, and other necessary documentation.
   • Specific documentation for Bitcoin investments may include proof of purchase and holding of the cryptocurrency.

1. Approval and Residency Permit:
   
   • Upon approval, applicants receive a temporary residency permit, typically valid for one to two years, which can be renewed.
   • Processing Time: The initial application process generally takes around 2 to 4 months.

1. Permanent Residency:
   
   • After three years of holding a temporary residency permit and maintaining the investment, investors can apply for permanent residency.

1. Path to Citizenship:
   
   • After five years of permanent residency, investors may apply for Salvadoran citizenship, subject to meeting additional requirements, including language proficiency and integration into Salvadoran society.

• Long-Term Residency: Provides a secure, long-term residency status in El Salvador.
• Family Inclusion: The visa extends to the applicant's spouse and children, providing them with the same residency benefits.
• Business and Investment Opportunities: Access to a growing market with various investment opportunities, particularly in the burgeoning cryptocurrency sector.
• High Quality of Life: El Salvador offers a favorable climate, rich cultural heritage, and a relatively low cost of living.

ASIA

The Malaysia My Second Home (MM2H) program was introduced in 2002 by the Malaysian government to attract foreigners who wish to live in Malaysia on a long-term basis. This program provides a renewable multiple-entry social visit pass for successful applicants and their families.

To qualify for the MM2H program, applicants must meet financial and investment criteria, which vary depending on their age:

1. For Applicants Below 50 Years Old:
   
   • Liquid Assets: Minimum of MYR 500,000 (~USD 118,000).
   • Monthly Income: Minimum of MYR 10,000 (~USD 2,360) from an offshore source.
   • Fixed Deposit: After approval, applicants must place MYR 300,000 (~USD 70,800) in a Malaysian bank account. After one year, up to MYR 150,000 (~USD 35,400) can be withdrawn for approved expenses, provided a minimum balance of MYR 150,000 is maintained.

1. For Applicants 50 Years Old and Above:
   
   • Liquid Assets: Minimum of MYR 350,000 (~USD 83,000).
   • Monthly Income: Minimum of MYR 10,000 (~USD 2,360) from an offshore source.
   • Fixed Deposit: After approval, applicants must place MYR 150,000 (~USD 35,400) in a Malaysian bank account. After one year, up to MYR 50,000 (~USD 11,800) can be withdrawn for approved expenses, provided a minimum balance of MYR 100,000 (~USD 23,600) is maintained.

1. Initial Application:
   
   • Submit the application to the Ministry of Tourism, Arts and Culture Malaysia, including proof of financial resources, health insurance, a clean criminal record, and other necessary documentation.
   • Processing Time: The initial application process generally takes about 3 to 6 months.

1. Approval and Visa Issuance:
   
   • Upon approval, applicants receive a social visit pass with a multiple-entry visa, typically valid for ten years and renewable.

• Long-Term Residency: The MM2H visa is valid for ten years and is renewable.
• Family Inclusion: The visa extends to the applicant’s spouse and children under 21 years old who are not married.
• High Quality of Life: Malaysia offers a high standard of living with modern infrastructure, excellent healthcare, and a diverse cultural environment.
• Favorable Tax Regime: Foreign income is not taxed in Malaysia, making it an attractive destination for retirees and expatriates.
• No Language Requirement: There is no need to demonstrate proficiency in Malay or any other language.

WEST-AFRICAN COUNTRY

Namibia offers various pathways for foreign nationals to obtain residency, primarily focusing on retirement and investment in property or businesses. While Namibia does not have a specific "Golden Visa" program like some other countries, it does provide options for those willing to invest in the country. The key avenues for obtaining residency by investment in Namibia typically involve real estate purchases or establishing a business.

1. Real Estate Investment:
   
   • Foreign investors can purchase property in Namibia. Although there is no minimum investment threshold, the property should be substantial enough to support the residency application. Generally, purchasing real estate valued at around USD 150,000 or more is advisable.

1. Business Investment:
   
   • Establishing or investing in a Namibian business can also lead to residency. The business should demonstrate economic benefit to the country, such as job creation for locals. Specific investment amounts can vary, but a substantial investment and a viable business plan are crucial.

1. Initial Application:
   
   • Submit an application to the Namibian Ministry of Home Affairs, Immigration, Safety, and Security. This includes providing documentation such as proof of investment, a valid passport, clean criminal record, and a detailed business plan (if applicable).
   • For real estate, documentation includes the property purchase agreement and proof of funds.

1. Temporary Residency Permit:
   
   • Upon approval, a temporary residency permit is issued. The duration can vary, but it is typically granted for one year and is renewable.

1. Permanent Residency:
   
   • After several years of holding a temporary residency permit (usually five years), investors can apply for permanent residency. This process involves proving continued investment and economic activity in Namibia.

Processing Time: The initial application process can take several months, typically around 3 to 6 months, depending on the completeness of the application and the specifics of the investment.

• Long-Term Residency: Offers a pathway to permanent residency after several years.
• High Quality of Life: Namibia offers a stable political environment, diverse landscapes, and a relatively low cost of living.
• Business Opportunities: The country provides various opportunities for investment in sectors like tourism, agriculture, mining, and real estate.
• No Language Requirement: There is no need to demonstrate proficiency in any language to obtain residency.

Indian Ocean island nation 

Mauritius offers a residency by investment program designed to attract foreign investors and high-net-worth individuals. This program provides several options for obtaining residency through real estate investment, business investment, or other qualifying financial activities. The program is managed by the Economic Development Board (EDB) of Mauritius.

1. Real Estate Investment:
   
   • Integrated Resort Scheme (IRS) / Real Estate Scheme (RES):
     • Minimum investment of USD 375,000 in designated real estate developments.
     • These schemes allow foreign investors to purchase luxury villas, apartments, or other properties within integrated resorts.
   • Property Development Scheme (PDS):
     • Investment of at least USD 375,000 in residential properties that integrate leisure, recreational, and commercial facilities.
   • Smart City Scheme:
     • Investment in smart city projects, which aim to create sustainable and innovative urban developments.

1. Business Investment:
   
   • Investor Permit:
     • Initial investment of USD 50,000 in a business that meets certain criteria, such as job creation or innovation.
   • Innovator Permit:
     • Investment in a business involved in innovative projects, with lower investment thresholds for startups and technology-driven enterprises.

1. Retirement Permit:
   
   • Individuals aged 50 and above can apply for a retirement permit by transferring at least USD 1,500 per month (USD 18,000 per year) to a Mauritian bank account. This amount should cover living expenses during the stay.

1. Initial Application:
   
   • Submit the application to the Economic Development Board (EDB) of Mauritius, including proof of investment, a valid passport, a clean criminal record, health insurance, and other necessary documentation.
   • Processing Time: The initial application process generally takes about 2 to 3 months.

1. Issuance of Residence Permit:
   
   • Upon approval, the residence permit is issued, allowing the investor and their family to reside in Mauritius. The permit is typically valid for ten years and is renewable.

1. Path to Permanent Residency and Citizenship:
   
   • After three years of holding a residence permit, investors may apply for a permanent residence permit, valid for ten years and renewable.
   • Citizenship can be applied for after a total of seven years of continuous residence in Mauritius, subject to meeting additional requirements.

• Long-Term Residency: The program offers a pathway to permanent residency and eventually citizenship.
• Family Inclusion: The visa extends to the applicant’s spouse and children, providing them with the same residency benefits.
• High Quality of Life: Mauritius offers a high standard of living with excellent healthcare, education, and a favorable climate.
• Tax Advantages: Mauritius has a favorable tax regime with no inheritance tax, no capital gains tax, and a low corporate tax rate.
• Stable Political Environment: Mauritius is known for its stable political environment and robust legal system.

DUBAI

The UAE Golden Visa program was officially introduced in May 2019 as part of the UAE government's strategy to attract foreign investment and talent to the country. This program provides long-term residency to investors, entrepreneurs, specialized talents, researchers, and outstanding students, offering them the opportunity to live, work, and study in the UAE without the need for a national sponsor.

To qualify for the UAE Golden Visa under the investment category, applicants must meet specific criteria. Here are the main investment options:

1. Real Estate Investment:
   
   • An investment in real estate with a minimum value of AED 2 million (approximately USD 545,000).

1. Business Investment:
   
   • An investment of at least AED 10 million (approximately USD 2.7 million) in a UAE-based company or partnership.
   • Up to 60% of the total investment can be in the form of real estate.

1. Capital Investment:
   
   • Deposit AED 10 million (approximately USD 2.7 million) in an investment fund inside the UAE.

The investments must be maintained for a minimum of three years, and there should be no financial liabilities that would negatively impact the investment.

1. Initial Application:
   
   • Applicants must submit their application through the Federal Authority for Identity and Citizenship (ICA) or other designated authorities. Required documentation includes proof of investment, passport, health insurance, and other relevant credentials.

1. Approval and Residency Permit:
   
   • Upon approval, applicants receive a long-term residency permit, typically valid for ten years.
   • Processing Time: The processing time can vary but generally takes around 2 to 4 months from the submission of the complete application to receiving the residency permit.

1. Renewal of Residency Permit:
   
   • The residency permit is renewable as long as the investment is maintained and the applicant continues to meet the eligibility criteria.

• Long-Term Residency: The program offers a secure, long-term residency status in the UAE, with permits valid for ten years.
• Family Inclusion: The visa extends to the applicant's spouse and children, providing them with the same residency benefits.
• Business and Investment Opportunities: Access to a stable and thriving business environment with various investment opportunities.
• High Quality of Life: The UAE offers a high standard of living, world-class infrastructure, and a safe, multicultural environment.

Channel Islands-Close to U.K

Jersey, a British Crown Dependency located in the Channel Islands, offers residency by investment programs aimed at high-net-worth individuals. These programs are designed to attract foreign investors who can contribute significantly to the local economy. Jersey is known for its stable political environment, robust financial services sector, and high quality of life.

1. High Value Residency (HVR) Program:
   • Minimum Investment: Applicants must have a minimum annual income of £725,000, of which a minimum of £145,000 must be paid in income tax to the Government of Jersey.ie, Minimum real estate investment of GBP 1.75 million and annual taxes of GBP 250,000 
   • Real Estate Investment: Applicants are required to purchase or lease a high-value property. There is no specific minimum investment amount for property, but it must be suitable for the applicant’s status and wealth.
   • Business Investment: Investment in local businesses is encouraged, but not mandatory. It’s designed to show commitment to contributing to the island’s economy.

1. Initial Application:
   
   • Submit the application to Locate Jersey, the government agency responsible for attracting high-value residents. Required documentation includes proof of income, valid passport, clean criminal record, health insurance, and other necessary documents.

1. Approval and Residence Permit:
   
   • The application is reviewed by the Chief Minister’s Office. Upon approval, the applicant receives a residence permit.
   • Processing Time: The processing time for the initial application can vary, generally taking around 3 to 6 months.

1. Long-Term Residency:
   
   • After approval, applicants must maintain their investment and meet the residency requirements to renew their permit. Residency is typically granted initially for one year and can be renewed annually.

1. Permanent Residency and Citizenship:
   
   • Long-term residency can lead to permanent residency status, subject to meeting additional conditions and continuous residence. Citizenship can be applied for after five years of continuous residency, with additional requirements including knowledge of English and integration into the local community.

• High Quality of Life: Jersey offers a high standard of living with excellent healthcare, education, and a safe environment.
• Robust Financial Sector: Jersey is renowned for its financial services industry, providing numerous opportunities for business and investment.
• Tax Advantages: Jersey has a favorable tax regime for high-value residents, including low income tax rates and no capital gains tax or inheritance tax.
• Strategic Location: Jersey’s location provides easy access to the UK and mainland Europe.

ASIA

Thailand offers several visa options for foreigners looking to invest in the country, with the Thailand Elite Residence Program being the most prominent among them. Introduced in 2003 by the Thailand Privilege Card Company Limited (TPC), a wholly-owned subsidiary of the Tourism Authority of Thailand, the Thailand Elite Residence Program aims to attract high-net-worth individuals, investors, and retirees by providing long-term residency and exclusive privileges.

To qualify for the Thailand Elite Residence Program, applicants can choose from several packages, each offering different benefits and residency durations:

1. Elite Easy Access:
   
   • One-time fee of THB 600,000 (approximately USD 19,000).
   • Five-year renewable visa.

1. Elite Family Excursion:
   
   • One-time fee of THB 800,000 (approximately USD 25,500) for the main applicant, plus THB 300,000 (approximately USD 9,500) per family member.
   • Five-year renewable visa.

1. Elite Family Alternative:
   
   • One-time fee of THB 800,000 (approximately USD 25,500) for the main applicant, plus THB 700,000 (approximately USD 22,000) per family member.
   • Ten-year renewable visa.

1. Elite Privilege Access:
   
   • One-time fee of THB 1 million (approximately USD 32,000).
   • Ten-year renewable visa.
   • Additional family members can be added for THB 800,000 each.

1. Elite Superiority Extension:
   
   • One-time fee of THB 1 million (approximately USD 32,000).
   • Twenty-year renewable visa.

1. Elite Ultimate Privilege:
   
   • One-time fee of THB 2.14 million (approximately USD 68,000).
   • Twenty-year renewable visa.
   • Annual fee of THB 20,000 (approximately USD 640).

1. Initial Application:
   
   • Submit the application to the Thailand Privilege Card Company Limited, including the required documentation such as a valid passport and proof of payment of the program fee.
   • Background checks are conducted on all applicants.

1. Approval and Membership Card Issuance:
   
   • Upon approval, applicants receive the Thailand Elite membership card.
   • Processing Time: The entire process typically takes around 1 to 3 months from submission to approval.

1. Visa Issuance:
   
   • Members can obtain their visa upon arrival in Thailand at designated immigration offices or at Thai embassies and consulates worldwide.

• Long-Term Residency: Provides long-term residency options ranging from five to twenty years.
• No Minimum Stay Requirement: There is no minimum stay requirement to maintain the residency status.
• Exclusive Privileges: Members receive exclusive privileges, including airport services, expedited immigration procedures, golf club memberships, spa treatments, and concierge services.
• Family Inclusion: The program allows for the inclusion of family members under various packages, providing them with the same residency rights.
• Ease of Travel: Members benefit from expedited immigration procedures and access to exclusive airport services.