Spanish Non-Lucrative Visa: Understanding Residency In Spain

The Spanish Non-Lucrative Visa (NLV) is a fantastic option for non-EU nationals looking to live in Spain without working. Whether you’re looking to retire, take a sabbatical, or simply enjoy a slower pace of life, the NLV offers a pathway to enjoying Spain’s vibrant culture and stunning landscapes at your own pace.

In this guide, we’ll cover who is eligible for the Spanish Non-Lucrative Visa and explore the application process for those looking to make Spain a permanent home.

What is the Spanish Non-Lucrative Visa?

The Spanish Non-Lucrative Visa is a residency permit designed for those who want to live in Spain without working. It’s particularly popular with retirees or those looking for a lifestyle change. 

The biggest caveat for an NLV is that applicants must be able to support themselves financially for their stay without paid employment or business activity in Spain. This means that financial viability is often based on the savings of the applicant.

Who is eligible for the NLV?

To qualify for the Spanish Non-Lucrative Visa, there are a few requirements that applicants must meet.

• Financial Stability: You will need to prove sufficient income to support yourself and any dependents. In 2024, this equated to €28,800 annually for an individual (400% of the IPREM, Indicador Público de Rentas de Efectos Múltiples) and an additional €7,200 per dependent.
• Private Health Insurance: A comprehensive policy from a Spanish insurer is mandatory for all applicants.
• Clean Criminal Record: You must provide a police clearance certificate from your home country.
• Non-Resident Status: The application must be submitted from outside of Spain.

Benefits of the Spanish Non-Lucrative Visa

With these requirements in mind, what are the benefits that non-residents would see from choosing this route for residency?

Extended Stay

The NLV can be a good way to secure an initial stay in Spain. 

It is valid for up to five years of residency in Spain, one initial year with the option for two subsequent two-year extensions, and offers the possibility of permanent residency afterwards.

Family Inclusion

It’s possible to include dependents under your visa, provided you meet the financial requirements. This makes it easier for families to move to Spain and settle down while they explore other residency options.

Schengen Area Access

Travel freely within the Schengen Area while living in Spain. This may be of particular benefit to those moving from outside of the EU who travel frequently within mainland Europe.

Lifestyle 

Spain is a beautiful country with great weather, wonderful culture and a number of fantastic cities and towns to call home. The lifestyle change is an enormous benefit for anyone exploring the option of an NLV.

How to Apply for the Non-Lucrative Visa

The benefits make this option ideal for retirees, but how does the process work for a Spanish Non-Lucrative Visa?

Gather Required Documents

You will need several documents during the application process so it’s always a good idea to prepare them ahead of time to speed up the process.

• Completed Application Form: Fill out the official visa application form.
• Valid Passport: Ensure your passport is valid for at least one year and has blank pages for the visa.
• Proof of Financial Means: Collect bank statements, investments, or pension evidence to show that you meet financial requirements.
• Health Insurance Certificate: Hold a comprehensive policy from a Spanish health insurance provider.
• Police Clearance Certificate: Secure a document confirming you have no criminal record. Foreign documents must be legalised and translated into Spanish using an official translator.
• Medical Certificate: You may need a doctor’s note confirming your health status.
• Proof of Accommodation: You should obtain a rental agreement or property ownership document.

Submit Your Application

Visit your local Spanish consulate or embassy to submit your application. Be sure to check the consulate’s specific guidelines, as requirements can vary for each country.

At this point, the fee for your application will be payable.

The visa fee typically ranges from €500 to €600, depending on your country of residence.

Attend an Interview

You’ll need to attend an interview to verify your documents are correct and answer questions about your plans in Spain.

This is standard procedure for visa applications.

Wait for Approval

Processing times typically range from one to three months though these may be longer in more complex cases. 

Once approved, your Spanish NLV will be stamped in your passport.

How Long Can You Stay on the NLV?

A Spanish Non-Lucrative Visa is valid for one year initially. You can then renew it for two years at a time, up to a total of five years. 

After this five-year period, you may be able to apply for permanent residency.

Tax Implications of the Non-Lucrative Visa

Those holding an NLV have tax responsibilities in Spain.

If you reside in Spain for over 183 days a year, you’re considered a tax resident and must pay taxes on your total income, even income earned outside of Spain.

It’s recommended that you speak with an adviser if you are considering buying property in Spain or retiring to the country. 

Tips for a Smooth Non-Lucrative Visa Application

How can you ensure that the whole process runs smoothly?

• Start Early: Give yourself plenty of time to gather documents and schedule appointments. It may take some time to gather official documents like police clearance certificates or updated passports so you can prepare for this early.
• Hire an Expert: Consider working with an immigration lawyer or consultant familiar with Spanish visa requirements. They may also be able to advise if there are better options for you when exploring the possibility of residency in Spain.
• Check Local Consulate Requirements: Each consulate will have unique guidelines, so review their specifics. Every country can be slightly different when it comes to securing residency.

Is the Non-Lucrative Visa Right for You?

The Spanish Non-Lucrative Visa is ideal for those looking to enjoy a new life in Spain without working.

Whether you’re retiring or planning a sabbatical, the NLV provides a clear pathway to experience the very best that Spain has to offer.

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