Introduction: Your Pathway to Living in Spain
Spain is one of the most desirable destinations for non-EU citizens looking to relocate, whether for retirement, remote work, business, or investment. With its warm climate, relaxed lifestyle, and affordability, the Murcia region, including Costa Cálida and Costa Blanca, is ideal for settling. But before moving, you’ll need the right visa to live in Spain.
This guide breaks down the best visa options for non-EU citizens, covering the Non-Lucrative Visa (NLV), Digital Nomad Visa (DNV), Entrepreneur Visa, Self-Employed Work Visa, and Golden Visa (ending in April 2025). We’ll highlight the eligibility criteria, application steps, and key benefits so you can decide which is right for you.
1. Non-Lucrative Visa (NLV) – Ideal for Retirees and Passive Income Earners
Who is it for?
The Non-Lucrative Visa (NLV) is perfect for those who want to live in Spain without working. It’s a great option for retirees, people with savings, or those earning passive income (e.g., rental income, dividends, or pensions).
Key Requirements:
- Financial Proof: Must show at least €28,800 per year in savings or passive income (additional €7,200 per dependent).
- Private Health Insurance: Full coverage in Spain (no co-pay plans allowed).
- Clean Criminal Record: No major convictions in the past 5 years.
- Valid Address in Spain: A rental contract or proof of homeownership.
How to Apply:
- Gather required documents (passport, financial proof, health insurance, background check, etc.).
- Apply at the Spanish Consulate in your home country.
- Await approval (usually 1-3 months).
- Once in Spain, register your address and obtain your residence permit (TIE card).
Key Benefits:
- Grants 1-year residency, renewable for 2-year increments.
- Leads to permanent residency after 5 years.
- Enjoy full Schengen Area travel rights.
2. Digital Nomad Visa (DNV) – Work Remotely from Spain
Who is it for?
The Digital Nomad Visa (DNV) is designed for remote workers, freelancers, and business owners who want to live in Spain while working for foreign clients or companies.
Key Requirements:
- Employment Proof: Must have worked remotely for at least 3 months.
- Minimum Income: At least €28,000 per year (~€2,300/month) + additional income for dependents.
- Company or Freelance Clients: Must prove that your employer or business has been operational for over a year.
- Health Insurance: Private medical coverage in Spain.
How to Apply:
- Submit your application at a Spanish consulate or from within Spain.
- Provide proof of remote work, income, health insurance, and a clean criminal record.
- Await approval (usually 20-45 days).
- Upon arrival, register for a residence permit (TIE card).
Key Benefits:
- Work remotely from Spain for up to 5 years.
- Family members can also apply.
- Potential tax benefits (Beckham Law) for lower income tax rates.
3. Entrepreneur Visa – Start an Innovative Business in Spain
Who is it for?
This visa is for entrepreneurs looking to start an innovative or high-impact business in Spain, especially in tech, renewable energy, or emerging industries.
Key Requirements:
- Business Plan Approval: Your business must be innovative and create jobs in Spain.
- Financial Investment: Show sufficient funds to launch and sustain your business.
- Clean Criminal Record & Health Insurance.
How to Apply:
- Submit a detailed business plan to Spain’s Ministry of Economy.
- Apply at a Spanish consulate or the Large Companies Unit (UGE).
- Receive a 1-year visa, then switch to a residence permit.
Key Benefits:
- Fast-track processing (20-45 days).
- Allows full work and residency rights.
- Leads to permanent residency and citizenship.
4. Self-Employed Work Visa (Autónomo Visa) – Run a Small Business or Freelance
Who is it for?
This visa is for freelancers, consultants, and small business owners who want to work independently in Spain.
Key Requirements:
- Business Plan: Outline services, income projections, and client base.
- Financial Stability: Show at least €2,400-€3,000 in savings.
- Health Insurance & Clean Criminal Record.
How to Apply:
- Submit a business plan and financial proof.
- Apply at a Spanish consulate.
- Once approved, register with Hacienda (tax office) and Social Security in Spain.
- Obtain your residence permit (TIE card).
Key Benefits:
- Work legally as a freelancer or small business owner.
- Renewable for up to 5 years, leading to permanent residency.
5. Golden Visa – Invest in Spain for Residency (Ends April 2025!)
Who is it for?
The Golden Visa is ideal for investors who want Spanish residency without the need to live in Spain full-time.
Key Requirements:
- Invest at least €500,000 in Spanish property (without a mortgage on this portion).
- Alternative Investments: €1 million in company shares or €2 million in Spanish bonds.
- Health Insurance & Clean Criminal Record.
How to Apply:
- Purchase property or make the required investment.
- Submit your application at a Spanish consulate.
- Receive a 1-year visa, then switch to a 2-year renewable residence permit.
Key Benefits:
- No minimum stay required.
- Work and live in Spain freely.
- Family members receive residency rights.
Important: The Golden Visa program will end in April 2025, so act fast if you’re considering this route.
Which Visa is Right for You?
| Visa Type | Can You Work? | Financial Requirement | Best For |
|---|---|---|---|
| Non-Lucrative Visa | ❌ No | €28,800+/year in savings | Retirees, passive income earners |
| Digital Nomad Visa | ✅ Yes (remote only) | €28,000+/year from foreign work | Remote workers, freelancers |
| Entrepreneur Visa | ✅ Yes | Investment in a high-growth business | Startup founders |
| Self-Employed Visa | ✅ Yes | €2,400+ in savings | Freelancers, small business owners |
| Golden Visa | ✅ Yes | €500,000+ in real estate | Investors (available until April 2025) |
Make Your Move with Micasamo
At Micasamo, we help non-EU citizens find their dream homes in Murcia, Costa Cálida, and Costa Blanca. Whether you need a Spanish address for your visa or want expert advice on property investment, we’re here to assist.
📩 **Get in touch today at **hello@micasamo.com or chat with us on our website. Let’s make Spain your new home!
