Europe has emerged as the new age heaven for the wealthy Indians. It’s where you can show the moolah and be invited to grace the country with your wealth and experience as an entrepreneur to establish yourself in those countries to prosper with your families. Once there chances are these Uber rich class are going to show their potential and build big businesses in these up-coming economies after going through an economic slowdown.

World Settlers has partnered with Top Notch Professional Organization to deliver Immigration by Investment route to business and the corporate class who have lost out on the skills migration route due to their age. These companies have got decades of experience behind them to help the applicants with their migration journey which is more or less confirmed once the investment is made.

We have some excellent investment options in countries like Malta, Greece, Portugal, Spain, Ireland and Cyprus where they have introduced investment based migration programs be it property, bonds or through business. This has come as a pleasant break from the strict norms of points system in immigration driven by English speaking skills and age. Europe offers chance to all individuals with no age limit and no English being tested making it relatively easy migration for people looking to migrate and improve their standard of living.

Golden Visa investment programme of Portugal:

Portugal, perched on the Iberian Peninsula in Europe, means "warm port" 1582. It abuts the vast Atlantic Ocean to the west and south, and borders Spain to the north and east. Besides the territory of the European continent, Portugal holds sovereignty over the Azores and Madeira in the Atlantic Ocean. Lisbon, the capital of Portugal, has the westernmost point of Europe - The Cape Roca. Portugal is a modern industrial and agricultural country with prominent metal refining, chemical, and oil industries, yet it is best known for as a world-leading producer of cork, made from cork oak. Portugal was an important cultural birthplace in the modern western history and became a global empire with Spain during the 16th century Portugal is a member of the EU, and as one of the world's developed countries, it is also a founding member of the Eurozone.

Portugal’s Resident Permit for Investment Activities (ARI), also known as the Golden Residence Permit Programme (GRP), came into effect on October 8th ' 2012, and was revised again in June and September, 2015. The investment requirements allow for the purchase of real estate property in Portugal with a value equal to or above €500,000. There are no type or quantity restrictions on real estate properties; it can be zoned for residential, commercial, industrial, or agricultural use; the investment can be composed of one or more sets of real estate as long the total investment value is equal to or above €500,000.

  • Application Conditions:
  • Main applicant:
  • Purchase real estate property in Portugal with a value equal to or above €500,000.
  • Must be over 18 years of age.
  • Must be Non-EU country citizens.
  • Must provide proof of no criminal record.
  • Must provide proof of qualifying health insurance.
  • Dependent applicants (Family Reunification)
  • The spouse of the main applicant
  • Children under 18 years old
  • Children over 18 years old who are single, studying and financially dependent on the main applicant.
  • Parents (of both main applicant and spouse) who are financially dependent on the main applicant.
  • Advantages of the Project:
  • Person’s application, benefitting 3 generations, allowed to apply for permanent residence after five years, allowed to apply for Portuguese nationality after six years
  • There are no requirements for certification of financial sources, no business background requirements, no educational background requirements, no language requirements, and no age limitations.
  • Minimal stay period requirements, permitted to work, permitted to conduct business. Real estate can be sold after 5 years with no effect on residence, and real estate appreciation rates benefit investors.
  • Real estate can be leased out to earn rental income Visa-free access to the other 26 countries of the EU.
  • Become a European resident and enjoy the benefits of the European countries. Non global tax country, there is no need to worry about the loss of assets. Global asset allocation, safeguard asset from depreciation.

Investor Visa Greece

Program Overview

The golden visa program in Greece offers an affordable real estate investment route to permanent residency in Europe. Following the launch of several European investment visa programmes it was introduced by the Greek government in 2013 to encourage investment into Greece.


An investment of €250,000 is required in real estate in Greece making the Greek programme the lowest investment level of any real estate residency visa scheme in Europe. The property, which can be located anywhere on the Greek mainland or the islands, can be either residential or commercial. Any number of properties can combine to make up the €250,000 minimum investment. Joint buyers can combine investments into one property.


The application process takes approximately 40 days from the time of investment until the Residency Permit is issued. The applicant needs to have made the property investment in Greece prior to applying for the visa. Once a property has been selected through ourselves at La Vida, the lawyers who we recommend can take care of the application process, conveyancing and legal work for the property.

A typical application involves initial discussion with ourselves followed by a 3 or 4 day visit to Greece to view properties, meet with lawyers and open a bank account. The application after this point can be processed within Greece by the clients’ lawyers under Power of Attorney. Provided everything is done correctly at this stage the client will not need to visit again to collect the residence permits.


In addition to the real estate investment applicants will need a clear criminal record and medical insurance to cover any stay in Greece. There is no minimum stay requirement and the residency visa can be renewed after five years providing the investment is maintained.


Government, notary and lawyer fees for the property purchase and visa application will amount to around €15,000. In addition there is VAT of 24% to pay in Greece on new property purchases.


Qualifying family members include spouse and all children under 18. Children 18 and over can qualify if studying and dependent. The Greek residency program was recently extended to the parents of both investor and spouse.


Non-residents in Greece will pay tax on their income derived in Greece but not on income from outside of the country. Income tax starts at a rate of 22%. Rental income from property in Greece is taxed at rates, from 11% to 33%. Certain expenses are deductible from the gross income. Capital gains tax (CGT) is charged at 15% on property sales.

Living and Working

The residence permit allows the applicant to live in Greece but not to work. However the applicant can set up business in Greece.


Gaining visitor visas to travel to Europe and the Schengen zone has become problematic from many countries in the Middle East, Asia and Africa. Once granted the Greek residence permit allows freedom of travel throughout the EU Schengen zone.

Citizenship and Passport

Applicants who live in Greece can apply for citizenship and a passport after seven years. Once applicants have citizenship then they are free to dispose of their investment as further visa renewals are not necessary. Because of the need to reside in the country the Greek golden visa program is considered a residency investment program rather than citizenship by investment. However the option for citizenship is there for those committed to living in Greece.


Applicants gain the right to live in Greece although there is no requirement to do this. With the residency card all family members will have freedom to travel to and throughout the EU Schengen visa zone with ease and without further visa applications. If the resident sells the property to another non-EU citizen, the Greek residency becomes transferable to the new investor.

Cyprus Permanent Residency Visa


The fast-track (Category F) permanent residence permit has been introduced in pursuance of the provisions of Regulation 6(2) of the Aliens and Immigration Regulations, the Minister of Interior, having notified the Council of Ministers, has decided to issue an Immigration Permit to applicants from third countries who wish to invest in Cyprus provided they meet the requirements. 

Financial Criteria & Conditions

Minimum of €300,000 in property net of Tax

  • Can be one or two new properties.
  • Must be sold for the first time from the same development company.
  • At least 1 must be residential while the other one can be residential, a shop of a surface of up to 100sq.m. or an office of a surface of up to 250sq.m.
  • Payment must be a transfer from abroad to a Cypriot financial institution.

Create a long term deposit of €30,000

  • Minimum of €30,000.
  • Transferred from abroad to a Cypriot financial institution.
  • Must be pledged to a Cypriot financial institution for at least a three year period.

Secure annual income of at least €30,000

  • Investor must prove secure income over €30,000 per year from businesses outside of Cyprus.
  • Income may include salaries from employment, pensions, dividends from shares, fixed  deposits, rents etc.
  • This requirement is increased by €5,000 for every dependent person.
  • This requirement is increased by €8,000 for every parent of the applicant.

Benefits of the Program

The Permanent Residency VISA is forever

  • There is no need for renewal as long as the applicant still owns the property/ies worth €300,000 in Cyprus. 

This VISA allows the holder to travel to Cyprus

  • No extra documentation is required. 

The whole family can be issued the Permanent Residency VISA

  • Married couples, children under the age of 18 and parents of the applicants are also eligible for the PR VISA.
  • Unmarried children between the ages of 18 and 25, provided they are students or undergraduates and are financially dependent on the applicant. The VISA permit is still valid even if the holder has exceeded the age of 25 years old.

Property can be replaced

  • The investor can sell his/her property and still keep the VISA as long as he/she replace the property with another worth at least €300,000.

The VISA is issued within 2 months

  • Swift and simple procedure

Main Applicant

  • Valid passport
  • Original letter from a financial institution in Cyprus of a deposit of €30.000, pledged for three years
  • Declaration of a secured annual income from abroad of €30.000 at least Title of ownership or contract of sale of a built property in Cyprus of a minimum market value of €300.000 - If the title of ownership has not been obtained yet, the applicant must submit the contract of sale duly stamped and proof of payment of at least €200,000.
  • Detailed biography (CV)
  • Official statement of no intention to work in Cyprus
  • Health insurance policy
  • Clean criminal record

Spouse, Children and Parents (if applicable)

  • Health insurance
  • Marriage Certificate
  • Birth Certificates
  • Required documents for dependent children age 18-25
  • Valid passport
  • Detailed biography (CV)
  • Official statement of no intention to work in Cyprus
  • Letter of enrollment at tertiary education

Documents issued by a foreign authority should be translated to either English or Greek and duly authenticated


  • Submission fee €500 per application (covers the whole family)
  • Issue of the Permanent Residency Visa is €70 per person



  • Select your property
  • Review and choose the property/ies you want to purchase


  • Invest
  • Sign contract of sale
  • Transfer funds to a secure account.
  • Receipt issued by Crown Group of Companies


  • Preparing for the PR Application
  • Applicant must gather all necessary documents required for the application (see also required documents)


  • Submitting the application
  • Submit and pay personally or through an agent the application with all the required documents at the Civil Registry and Migration Department


  • Issue of PR VISA within 2 months
  • Collect personally or through an agent the VISA
  • Visit Cyprus at least once every 2 years

Citizenship by Investment Malta

Introduced at the beginning of 2014, the Malta Individual Investor Programme (IIP) offers high and ultra-high net worth individuals and families worldwide citizenship in a highly respected EU Member Country. Malta has been a member of the European Union since 2004, enjoys a stable political climate, bi-partisan political scene, growing economy, and has some of the soundest banks in the world. The Malta IIP is the first investment citizenship program of its kind to be recognized by the European Commission, and the executive body of the European Union has formally acknowledged the legality of the program paving the way for its success. The Malta citizenship by investment application process is extremely efficient, and the government of Malta is committed to the highest standard of due diligence and vetting of investor applicants ensuring only persons of impeccable standing and repute will be admitted.

Successful candidates will be granted citizenship in Malta by a Certificate of Naturalization, which can also be extended to include their families. Once a candidate is awarded Malta citizenship, which includes EU citizenship, they have the right of establishment in all 28 EU countries and Switzerland. They also have the ability to set up business in Malta, and can get a Malta passport enabling them to enjoy visa-free travel to more than 160 countries across the world including the United States.

UPDATE: As of November 2016, the Individual Investor Program has received over 800 Malta passport applications on behalf of investors from more than 40 different countries. As of this date, the IIP Malta is still accepting new applications but the program is firmly capped at 1,800 participants, so we encourage you to act fast.

Eligibility for Individual Investor Programme Malta

An amendment passed in 2013 to Chapter 188 of the Maltese Citizenship Act, as well as the enactment of Legal Notice LN47 in 2014, legally grant eligible persons EU citizenship by investment via the Malta Individual Investor Program. To be considered eligible for the Malta citizenship scheme, the main applicant must be at least 18 years of age and must meet all the Malta immigration requirements outlined below.

Fit and Proper Test

The Malta citizenship by investment program has some of the strictest due diligence standards of any immigrant investor program in the world to ensure only deserving and reputable applicants are granted Maltese citizenship. As part of the Malta Individual Investor Programme, there is a four-tier due diligence process carried out directly by the government to assess candidates comprehensively. Applicants must have a clean criminal record, and the Malta government conducts extensive criminal checks with INTERPOL, the International Criminal Court, and various other sources and authorities. As part of the due diligence process, applicants must also provide a police certificate before they will be approved for European citizenship.

Good Health

To be admitted into the citizenship by investment program Malta, applicants must show that they do not suffer from any contagious diseases. All applicants must also be covered by an international health insurance policy.

Financial Contribution

All individuals and families applying to the Malta Individual Investor Program must make a significant non-refundable contribution to the National Development and Social Fund set up by the Government of Malta and run by a board of trustees. The fund, which is on the same level as the central bank, finances projects in the country linked to public health, education, job creation, social improvement, and innovation. The following contributions must be made within four months of being issued a Malta IIP Letter of Approval in Principle: 

Main applicant - €650,000 

Spouse - €25,000 
Minor children - €25,000 each 
Children 18-26 (unmarried) - €50,000 each 
Dependent parents & grandparents - €50,000 each 
Adult children (physically or mentally challenged) - €50,000 each

Real Estate Purchase or Rental

Applicants must commit to retaining an immovable residence in Malta for a minimum time period of five years. This can be done by either buying a property in Malta for at least €350,000 and maintaining ownership for 5+ years, or by leasing a property for five years or more with a minimum annual rent of €16,000. Applicants must provide evidence of owning or leasing a property on the islands within four months of receiving a citizenship Malta Letter of Approval in Principle.

Bonds Investment

Before a person can be admitted for Maltese citizenship by investment, applicants are required to invest at least €150,000 in government approved financial instruments (bonds, stocks, and debentures that benefit the nation) and must commit to keeping the investment for at least five years.

Residence Requirement

Upon purchasing real estate or entering a property lease in Malta, investor citizenship candidates are issued a Malta identity document called an eResidence card. This signifies the commencement of their residency in Malta and also demonstrates the candidate's genuine link with the country. 12 months after an applicant has established residency in Malta, applicants who have maintained residence in the country will be granted citizenship. You do not need to spend all 365 days in Malta before citizenship is granted, Maltese law defines residence as "an intention to reside in Malta for any fiscal year, usually evidenced by a stay of a minimum of 183 days or by the purchase/rental of property together with a visit to Malta." Consequently, upon purchasing or leasing an apartment or villa in the Mediterranean island nation and procuring a Malta residence card, applicants are not required to spend any time in Europe. Candidates who have been a resident of the country for at least one year prior to I.I.P. approval already satisfy this residency requirement and can subsequently become a citizen of Malta much faster.

Malta Citizenship Scheme Application Timeline

Malta Residency: Potential candidates who are not already resident in the country are strongly advised to begin the Malta residency process immediately since the Individual Investor Programme has a 12-month residency requirement. To be granted citizenship in Malta as fast as possible, it is very important that the clock is ticking on an applicant's residency requirement while they progress through the Malta citizenship application process. Upon initiation of a nominee's residency in Malta, a small deposit of €5,000 for the primary applicant and €1,000 for each family member is due on account of the National Development and Social Fund contribution.

Day 1: A Malta Individual Investor Program application is formally submitted to Identity Malta by an Accredited Person. The application will contain imperative supporting documents, and evidence of source of funds must also be presented at this stage. The following fees are now due: 

Due Diligence Fees 

Principal applicant - €7,500 
Spouse - €5,000 
Minor dependents (aged 0-12) - no fee 
Minor dependents (aged 13-17) - €3,000 each
  Adult dependents - €5,000 each 

Malta Passport Fees

All candidates - €500 each

Bank Charges

Per application - €200 

A total deposit of €10,000 is now due towards the monetary contribution. Any deposit made when applying for Maltese residency counts towards this amount.

Day 5: Identity Malta will notify the concessionaire or Accredited Person within five business days of submission to confirm whether client's application has been accepted for review or requires additional paperwork. 

Day 90: Confirmation from Identity Malta that the application and supporting documentation are formally in order. The candidate is subject to a further 30 days of additional verification by the Government of Malta's regulatory body.

Day 120: Applicant is approved in principle. This signifies official Malta IIP approval conditional only on the candidate fulfilling all their remaining obligations under the Maltese nationality program for investors.

Day 125: Identity Malta sends the applicant a formal request for payment of remaining balance of National Development and Social Fund contribution. The candidate has 20 days to pay the full amount.

Day 145: Maltese IIP financial contribution deadline. The entire National Development and Social Fund contribution must be made by this time.

Day 240: Final citizenship by investment Malta compliance. Applicant must provide evidence of €150,000 bonds investment as well as a Malta real estate purchase or rental.

Issuance of Naturalisation Certificate: Once an applicant has fulfilled all their obligations under the Malta Individual Investor Program and taken an Oath of Allegiance, they will be issued a Certificate of Naturalisation and given a Malta Passport.

If you are interested in learning more about the Malta citizenship by investment program, please contact our team for a confidential consultation.

Tax Consequences of Citizenship in Malta

Obtaining European citizenship by investment through the Malta investor program does not have any tax consequences! Even if an individual moves their primary residence to Malta, they can retain the status of a "non-domiciled" person and therefore have an extremely advantageous tax exposure. Candidates that become a resident of Malta but are not domiciled in the country are only required to pay tax on any income they earn or receive in the country. Malta has no municipal taxes, no estate duty, no death or inheritance taxes, and no wealth or net worth taxes. Malta also has double taxation treaties with approximately 60 countries around the world. The corporate tax rate in Malta is 35%, but special tax concessions apply to non-resident or non-domiciled company owners.

Spain Golden Visa

Golden Visa Spain with €500,000 investment.

Spain launched its golden visa programme in 2013. An investment of €500,000 in real estate will gain family residency. The Spanish investor visa can be renewed every two years. After five years it is possible to gain permanent residency and after ten years citizenship. It is not necessary to live in Spain in order to retain and renew the residency visa permit.

Permanent Residency and Citizenship

It is possible to apply for permanent residency in Spain after living in the country for five years. Citizenship can be applied for after living full time for ten years. Although the temporary residency permit (the golden visa) can be easily renewed without living in the country, the route to both permanent residency and citizenship requires the investor and their family to reside in Spain.

Key Facts

  • Investment of €500,000
  • Full family residency
  • Flexible. No requirement to reside.
  • Permanent Residency from 5 years
  • Citizenship from 10 years
  • EU Schengen visa travel

Property Investment

After several years of price declines real estate is now at rock bottom prices and the Spanish property market offers considerable potential for capital gains in the coming years. Investors need to consider their purchase carefully. Is it for investment and rental or lifestyle? There are many offers on the market from developers and banks but location and property type is critical to the success of the investment.  Investors needing our services may wish to check our procedure or read more detail for the golden visa programme in Spain. To contact us, speak to an expert and for further details on the procedures and our property portfolio enquire here .

Compare Golden Visa Programmes

Spain is not the only country in Europe offering a golden visa programme and residence permit through real estate investment. Visit our pages on Portugal  and   Greece to compare the immigration investment requirements and benefits of their golden visa residency programs and also the citizenship by investment programs inCyprus and  Malta .

Purchasing of running business in Europe:

We have some excellent investment options available of buying running business in Restaurant, Grocery Stores, Cafe, Pub, Agriculture (Wine & Raspberry), Real estate, Hotels, Kitchens, and Motels etc. Investment starting from just @ 45 lakhs (€56,000) onwards.

  • • IETLS not require
  • • No formal qualification require
  • • No Past experience require
  • • Complete end to end support will be provided right from taking VISA from your country till your destination country.
  • • Project feasibility study, legal paperwork, Taxation all will be done by attorneys and chartered accountant’s available on our panel.

Work permit / Permanent Residency:

Portuguese work visa depends on your nationality and the length of your employment. The following Portuguese work visas are available to non-EU nationals.

Short-term work visa: This Portuguese work visa is required for short-term temporary contracts lasting less than six months. It is available to employees and self-employed workers subject to an evaluation by the labor authority (IEFP). The temporary-stay visa can be extended up to one year if you are engaged in scientific research, academic teaching, or highly qualified professional activities, or certain training and service provisions provided by members of World Trade Organization countries.

If you are visiting Portugal on a short-stay for business purposes, you can apply for a Portuguese business visa rather than the employment visa.

Long-term Portuguese work visa: This Portuguese work visa is required by non-EU nationals who intend to work in Portugal longer than six months. As Portugal is in the Schengen Area, the work visa is in the form of a long-term Schengen Visa (type D), enabling the holder to travel across the 26 Schengen area countries. More information on the Schengen area is available in our guide to Portuguese visas and permits.

Once the visa is secured, you need to start the process to obtain a Portuguese residence permit from within the country.

Schengen Tourist Visa:

As a rule, a traveler will need a Type C Visa, which allows for transit and short-term stays in the Schengen Area, having a maximum validity of 90 days per semester and allowing 1, 2 or multiple entries.

The regular application fee for this visa is 60 Euros and a reduced or zero-cost fee applies in some special situations.


The visa has to be applied for in person. Where the relevant diplomatic mission has an online application facility, the application may alternatively be submitted online but a personal interview will often be required before the visa is issued. Personal interviews will as a rule be requested within 15 days of the date on which the application is submitted.


The minimum documentary requirements are as follows:

  • Fully completed and duly signed application form.
  • Recent passport-type photograph (some missions may require up to 4 photos).
  • Original and copy of passport valid for at least 3 months (sometimes up to 6) from the departure date, plus copy of any previous visas.
  • Original and copy of airline return ticket or flight booking document.
  • Original and copy of hotel booking.
  • Original and copy of travel medical insurance policy, valid for the whole Schengen Area for the duration of the trip or trips and having a minimum cover of 30,000 Euros for medical and hospital care plus repatriation for emergency medical reasons.
  • Original and copy documentary evidence of employment and salary, or equivalent.
  • Original and copy of the latest 3 monthly bank statements (some missions may require up to 6 months), which must prove that the applicant has sufficient financial means to support him/herself for the duration of the trip.
  • If travelling on business, invitation letter from an organization in the host country. This letter should contain the full name and address of the inviting organization and the name and position of the person who signs it, plus, as regards the invited person, the name and surname, date of birth, sex, citizenship, passport number, dates and purpose of the trip and number of necessary visits.

Additionally, some diplomatic missions may request any or some of the following:

  • A cover letter.
  • Original and copy national identity card.
  • Original and copy national tax number certificate.
  • A letter from your employer or sponsor in your home country stating your position and monthly salary and guaranteeing your return home.
  • A recommendation letter from your Chamber of Commerce.
  • A copy of your credit card(s).