Spain’s non-lucrative residence: the most reliable way to relocate to Europe and invest in 2025

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Migration today is no longer a spontaneous move — it’s a strategic decision that combines lifestyle goals and capital management. Spain remains one of the most stable and predictable countries in Europe, offering a safe environment to live with your family, invest, and grow your wealth in euros.

For those who receive income from passive sources, the Non-Lucrative Residence Permit (residencia no lucrativa) has become not just a relocation option, but a tool for building long-term financial stability.

Who can apply for the non-lucrative residence permit

This type of residence is designed for individuals who can support themselves without working in Spain. You can apply if you:

• Have a stable income generated outside Spain
  (minimum ~€28,800/year for the main applicant + ~€7,200/year for each dependent)

• Own or rent long-term accommodation in Spain

• Have no criminal record or outstanding debts

• Hold valid private health insurance

In simple terms: your income must be legal, consistent, and independent of active employment.

How to prove your income

Spain’s immigration authorities focus on financial transparency — not only the amount of money you have, but also its origin and sustainability. You can prove your financial means through:

• Property ownership and rental contracts (if you earn income from real estate)

• Investment or brokerage accounts — both European and international

• Bank deposits with interest income

• Dividends or income from foreign companies, as long as you are not actively employed by them

What you gain

✓    Legal residence in Europe for the entire family

✓    Passive income in euros from commercial real estate

✓    Annual return of 5–7% on your investment

✓    Full legal due diligence and transaction support

✓    Tax and residency planning advice

✓    Relocation assistance and property management

✓    End-to-end service by Estate Barcelona

Commercial real estate: your path to residency

Buying commercial property in Spain is more than an investment — it’s a practical pathway to residency. If your property generates rental income, this income qualifies as proof of financial independence — a key requirement for the Non-Lucrative Residence.

Estate Barcelona specializes in such assets: properties with existing tenants, verified contracts, and transparent reporting.

Our team conducts full legal and financial due diligence, assesses tenant reliability, and prepares a document package ready for your residence application.

In today’s economic climate, commercial real estate is your ticket to Spain — a solid euro-denominated asset that ensures eligibility for residency while remaining a profitable investment.

Step-by-step process with Estate Barcelona

1. Consultation & Strategy — define your goals, budget, and investment approach

2. Property selection & Purchase — find commercial real estate with tenants and 5–7% ROI

3. Legal due diligence — verify the property, tenant, and transaction terms

4. Transaction & Residence preparation — ARRAS agreement, escrow, document collection

5. Property management — monitor rental payments and provide reporting

6. Financial documentation & Visa application

7. Relocation & Registration assistance

8. Residence card Issuance

Estate Barcelona turns the Non-Lucrative Residence process into a clear investment strategy. You acquire an income-generating asset, create a legal source of funds, and open the door to life in Spain.

This is more than a residence permit — it’s a tool for financial security and personal freedom.