With its strategic location, welcoming environment, and excellent quality of life, Malta provides an ideal base for those wishing to enjoy their retirement in the EU.

Albert Ioffe, Investment programs expert at Immigrant Invest, explores the pathways to obtaining Maltese citizenship by naturalisation for exceptional services by direct investment, the financial requirements, and the benefits that come with being a citizen of one of Europe's smallest yet most appealing countries.

Paths to obtain Malta citizenship by naturalisation

There are two ways to get a Maltese citizenship, both by naturalisation only:

1. Ordinary naturalisation. This route is available to those who have lived in Malta for a specified period. To apply for citizenship by naturalisation, an individual must have been a resident of Malta for at least five years. Key requirements include stable income, a clean criminal record, and integration into the local community.
2. Malta Citizenship for Exceptional Services by Direct Investment. It is specifically designed for investors who contribute to the country’s economy and infrastructure. This path can lead to citizenship in 12 to 36 months instead of 5 years.

Financial requirements and eligibility for Malta citizenship by naturalisation for exceptional services by direct investment

The process involves several mandatory options:

1. Contribution to the National Development and Social Fund. Applicants must make a non-refundable contribution to Malta’s National Development and Social Fund. The required amount starts at €600,000 for a minimum 36-month residency, or €750,000 for a reduced 12-month residency period.
2. Investment in property. Applicants are required to invest in property, either by purchasing a property valued at a minimum of €700,000 or renting a property with a minimum annual rental cost of €16,000.
3. Donation of at least €10,000 to a Maltese non-governmental organisation.
   
   

How to Apply for Malta Citizenship for Exceptional Services by Direct Investment

The application process for Maltese citizenship for Exceptional Services by Direct Investment does require careful attention to detail.

1. Initial Consultation. Before applying, it’s important to consult with an experienced advisor who can help guide you through the application process and ensure all financial requirements are met.
2. Due Diligence. A thorough background check will be conducted to ensure that the applicant is a suitable candidate for citizenship. This process checks financial standing, criminal history, and sources of wealth.
3. Investment. Once due diligence is passed, applicants will need to make their required investment, which includes contributions to the National Development and Social Fund, as well as purchasing property and donation to a non-government organisation.
4. Residency Requirement. Applicants must meet a minimum residency requirement, which varies depending on the specific citizenship route chosen.
5. Final Application. Once all requirements are fulfilled, the final citizenship application is submitted. If successful, the applicant and their family members will be granted citizenship by naturalisation in 1 or 3 years.
   
   

10 Benefits of Retirement in Malta

Retiring in Malta offers numerous advantages. Here are 10 key benefits:

1. Access to High-Quality Healthcare. You will have access to Malta’s excellent healthcare system, which is ranked among the best in Europe.
2. Visa-Free Travel. Maltese citizens enjoy freedom of movement within the Schengen Area, making it easier to travel across Europe without the need for visas.
3. Stable Economy. Malta offers a stable and growing economy, with a strong focus on technology, finance, and tourism.
4. Low Crime Rate. Malta boasts a very low crime rate, making it a safe place to live.
5. English-Speaking Environment. English is one of Malta’s official languages, making it easy for expatriates to communicate and integrate into the local community.
6. Mediterranean Climate. Malta’s warm climate, with long summers and mild winters, is ideal for retirees seeking a comfortable lifestyle.
   Cultural and Historic Heritage. Malta is rich in history and culture, offering numerous historical sites, festivals, and cultural events.
7. Convenient Location. Malta’s location in the Mediterranean makes it an excellent base for travel to other EU countries, as well as North Africa and the Middle East.
8. Stable Legal System. The legal system in Malta is based on English common law, providing clarity and security for those looking to invest or live there long-term.
9. International Community. Malta is home to a growing international community, providing retirees with opportunities to meet like-minded individuals and enjoy a cosmopolitan lifestyle.
   
   

Conclusion

Obtaining Malta citizenship by naturalisation for exceptional services by direct investment offers financially independent individuals the opportunity to enjoy retirement in one of Europe’s most attractive and stable countries. With Malta's stable economy, excellent healthcare, and EU-wide benefits, it is no wonder that many individuals are choosing Malta as their retirement destination.