EU permanent residence by investment — an honest, evidence-first read on Malta's MPRP: the contribution, the property options, the asset test, and what residence does and does not give you.
Last updated: 12 June 2026 — reviewed against Residency Malta Agency program settings (SL 217.26, as amended by LN 310 of 2024 and LN 146 of 2025).
Free Malta MPRP Eligibility Assessment — EU permanent residence by investment, with family included across up to four generations. We'll tell you honestly whether your profile fits before anything is committed.
Get Assessment| Malta Permanent Residence Programme (MPRP) · Residence by Investment | |
|---|---|
| Governing authority | Residency Malta Agency, Government of Malta (SL 217.26; LN 310/2024; LN 146/2025) |
| What it grants | Maltese (EU) permanent residence + Schengen short-stay mobility — not EU citizenship |
| Government contribution | From EUR 37,000 (main applicant) [program threshold set by the Government of Malta; Cosmos service fees confirmed after assessment] |
| Administrative fee | EUR 60,000 (EUR 15,000 on submission + EUR 45,000 on Letter of Approval in Principle; non-refundable) |
| Property (held 5 years) | Purchase from EUR 375,000 or rent from EUR 14,000/year (residential) |
| NGO donation | EUR 2,000 to a registered Maltese philanthropic organisation |
| Asset test | EUR 500,000 (incl. EUR 150,000 financial) or EUR 650,000 (incl. EUR 75,000 financial) |
| Minimum stay | None; status valid for life, card renewed every 5 years |
| As of | 12 June 2026 |
Figures above are program thresholds set by the Government of Malta, not Cosmos service fees. Cosmos service fees are confirmed after assessment.
We assist applicants based in Dubai, Abu Dhabi, Riyadh, Doha, Kuwait City, Muscat, Manama, and across India. Our role is to turn a complex EU residence programme into a clear, executable plan — then coordinate the file with the licensed Maltese agents who are legally required to submit it.
The objective is correctness and a fully provable file — not speed alone. A weak file costs more time than a careful one ever does.
No. The Malta Permanent Residence Programme grants Maltese permanent residence within the EU, plus Schengen short-stay mobility — it is not EU citizenship and it is not a passport. Residence lets you live in Malta and travel the Schengen area for short stays; it does not give you the right to live and work freely across other EU member states.
This distinction matters because Malta's separate citizenship-by-investment route (MEIN) was struck down by the Court of Justice of the EU in April 2025. The MPRP is a different, residence-only programme and was unaffected by that ruling; no suspension of the MPRP has been found as of June 2026. If a passport is your real goal, an honest assessment will say so plainly rather than sell you residence as something it is not. Find out where you stand — free assessment.
Under Legal Notice 146 of 2025, the MPRP rests on a single government contribution of EUR 37,000 for the main applicant — the same whether you rent or buy a qualifying property — plus a non-refundable administrative fee of EUR 60,000, split EUR 15,000 on submission and EUR 45,000 on the Letter of Approval in Principle. A EUR 2,000 NGO donation also applies.
Alongside those, you commit to a qualifying residential property held for five years: purchase from EUR 375,000 or rent from EUR 14,000 a year. Every figure here is a program threshold set by the Government of Malta, not a Cosmos fee — our service fees are confirmed after assessment. Funds are committed only once the standard process runs its course, never up front. Message us on WhatsApp to walk through the structure honestly.
The MPRP has no minimum stay requirement: residents are not required to live in Malta, the certificate is valid for life, and the residence card is simply renewed every five years. Family can be included generously — spouse, children and dependants across up to four generations, including parents and grandparents of the main applicant and spouse, subject to dependency conditions.
Legal Notice 146 of 2025 also made the programme noticeably more family-friendly: spouse and minor children are now exempt from the separate contribution fee, while each additional adult dependant aged 18 or over carries a EUR 7,500 fee (raised from EUR 5,000). Whether a particular relative qualifies as a dependant is a documentation question — exactly the kind we screen at assessment.
Plan for a realistic six-month journey end-to-end from application to card, with the agency due-diligence stage alone taking roughly three months; licensed agents commonly cite ranges of six to fourteen months from engagement. Every included person — plus donors, benefactors and business associates — passes multi-tier due diligence, so a clean, complete file is what protects the timeline.
Importantly, every MPRP application must be submitted through a government-approved licensed Maltese agent who prepares, reviews and lodges the file. Cosmos holds no Maltese licence for this programme; we coordinate eligibility, documentation and case management, and the application itself is prepared and submitted through Malta-government-authorised licensed agents and regulated legal practitioners in our network. A new optional one-year temporary residence permit introduced in 2025 can let you reside in Malta while the MPRP is processed. Start with a free assessment.
Because the MPRP is residence and not a new citizenship, an Indian national can hold Maltese permanent residence while keeping Indian citizenship — there is no renunciation step and no OCI conversion involved, which is a genuine advantage over citizenship-by-investment routes. The binding India-side constraint is not loss of citizenship; it is how you move the funds abroad.
Outward remittance of the contribution and property funds is governed by the Reserve Bank of India's Liberalised Remittance Scheme, currently USD 250,000 per person per financial year as of 2026. Limits and rules are set by the RBI and your bank, and they change — so verify the current cap before planning anything.
This is general information, not financial, tax, or legal advice. Remittances are governed by RBI regulations under the Liberalised Remittance Scheme and your bank's compliance requirements — consult a qualified chartered accountant or your authorised dealer bank before moving funds. We route personal-situation questions to a free assessment, not to remittance or tax structuring.
Read this before you fall in love with the brochure. The MPRP gives you Maltese (EU) permanent residence and Schengen short-stay mobility — it does not grant EU citizenship, an EU passport, or the right to live and work freely in other EU member states. Those benefits are real and currently available, but they are set by the Government of Malta and subject to change; nothing here is guaranteed.
Two things people most often get wrong: first, this is not a route to a second passport — the citizenship scheme (MEIN) was struck down in April 2025 and is a separate matter. Second, because it is residence and not a new citizenship, the usual citizenship-by-investment risk of losing Indian citizenship does not apply; the live India constraint is moving the funds under the RBI's LRS limits, not your status at home. We'd rather make those two points in your first session than after you've committed.
All criteria and figures are set by the Government of Malta and are subject to change.
← View all residence-by-investment pathways on the residence-by-investment hub page.
Yes. The MPRP is open and operational as of June 2026, governed by Subsidiary Legislation 217.26 as amended by Legal Notice 310 of 2024 and Legal Notice 146 of 2025, per the Residency Malta Agency. No suspension or closure has been found. It is a residence programme, separate from the citizenship scheme that was struck down in April 2025.
The government contribution is EUR 37,000 for the main applicant, plus a non-refundable EUR 60,000 administrative fee (EUR 15,000 on submission, EUR 45,000 on approval in principle) and a EUR 2,000 NGO donation. You also hold a qualifying property — purchase from EUR 375,000 or rent from EUR 14,000 a year. These are government thresholds, not Cosmos fees.
No. There is no minimum stay requirement under the MPRP — residents are not required to live in Malta. The status is valid for life, and the residence card is renewed every five years. The qualifying property must, however, be held for at least five years.
No. The MPRP grants Maltese permanent residence and Schengen short-stay mobility only. It is not EU citizenship and does not grant the right to live and work freely in other EU member states. These benefits are currently available but set by the Government of Malta and subject to change.
No. Because the MPRP is residence and not a new citizenship, an Indian national keeps Indian citizenship — there is no renunciation or OCI step. The relevant India constraint is moving funds under the RBI's Liberalised Remittance Scheme, currently USD 250,000 per person per financial year as of 2026. This is general information, not financial or tax advice — verify with a chartered accountant.
Cosmos Immigration is a regulated immigration consultancy founded in Dubai in 2014, working through CICC-, MARA- and IAA-registered professionals, with offices in Dubai, Abu Dhabi, Hyderabad and Oakville. For programmes where we hold no local licence — including Malta's MPRP — applications are prepared and submitted through government-authorised licensed agents and regulated legal practitioners in our network, while Cosmos coordinates eligibility, documentation and case management. You can verify our credentials independently on the official public registers. Verify Our Credentials
Cosmos Immigration is a private consultancy, not a government body. Program criteria and figures are set by the relevant governments and are subject to change; verified against official sources as of the date shown.
Start with a free assessment, not a sales pitch — or message us on WhatsApp. We'll tell you honestly whether Malta fits — even if the answer is no.
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