Non Lucrative Visa for Permanent Living
Update on the Spanish Non-Lucrative Visa (NLV) – 2025
If you’re dreaming of moving to Spain without needing to work, the Spanish Non-Lucrative Visa (NLV) remains one of the most popular residency options. It allows you to live in Spain, travel freely within the Schengen Area, and even apply for family reunification. After five years, you can apply for permanent residency, and after ten years, you may be eligible for Spanish citizenship.
With the termination of the Golden Visa program on April 3, 2025, the NLV has become the go-to route for many non-EU nationals, especially retirees and those with passive income.
Key Updates for 2025
1. Extended Visa Validity
Since July 2025, the NLV now comes with a 365-day validity period once approved. Previously, applicants had just three months to enter Spain after approval. This extra time offers much-needed flexibility if you’re selling a property, organising logistics, or finalising relocation plans.
2. Stricter Financial Documentation
As of May 20, 2025, Spanish consulates require more detailed financial proof. In addition to bank statements, you must now provide bank certificates that clearly show consistent access to funds. Some international banks aren’t familiar with this format, so working with a specialist immigration lawyer can help avoid delays.
3. The 183-Day Residency Rule
A new requirement, expected to be confirmed by the end of 2024, means applicants will need to spend at least 183 days per year in Spain to renew their visa. This aligns with fiscal residency rules and ensures applicants are genuinely residing in Spain.
4. Family Reunification Adjustments
From May 20, 2025, the NLV now allows:
Unregistered partners (if the relationship is well-documented)
Adult children with health conditions
Financially dependent parents
This makes the visa far more inclusive for family applications.
5. TIE Card Requirement
On arrival in Spain, applicants must apply for a TIE (Tarjeta de Identidad de Extranjero) within one month to formalise their residency.
Financial Requirements for 2025
The core of the application is proving you have sufficient financial resources. The benchmark is Spain’s IPREM (Indicador Público de Renta de Efectos Múltiples), set at €600 per month in 2025.
Main Applicant: Minimum income of €28,800 per year (€2,400/month, 400% of IPREM)
Each Dependent: An additional €7,200 per year (€600/month)
Income can come from pensions, rental income, dividends, or savings. You’ll need at least six months of documented proof, apostilled and translated into Spanish by a certified translator.
Other Key Requirements
Applicants must also provide:
Valid Passport: Issued within the last 10 years, valid for at least 12 months, with two blank pages
Private Health Insurance: Comprehensive cover from a Spanish-authorised insurer, valid for one year, with no co-payments or deductibles
Criminal Record Certificate: From your country of origin (and any country lived in during the past five years)
Medical Certificate: Confirming you do not suffer from diseases posing a public health risk
Completed Application Forms: National Visa Application Form and Form EX-01
The Application Process
Gather Documents – Collect and prepare all supporting documents (ensure translations and apostilles are completed).
Book Consulate Appointment – Availability can vary, so schedule early.
Submit Application – Processing typically takes 2–5 weeks (up to 3 months maximum).
Collect Visa – Once approved, collect your visa within one month. It will be valid for 365 days.
Arrive in Spain & Apply for TIE – Formalise your residency within the first month of arrival.
Tips for a Smooth Application
Start Early – Gathering and legalising documents can take several months.
Work with Experts – Immigration lawyers or relocation services can help navigate strict consulate requirements.
Double-Check Finances – Ensure your bank records show clear, consistent income or savings.
Plan Your Move – Use the new 365-day validity wisely to organise your relocation without pressure.
Final Thoughts
The Non-Lucrative Visa remains Spain’s most accessible residency route for non-EU citizens, particularly following the end of the Golden Visa. With the new extended validity period, clearer family options, and stricter financial documentation, applicants should plan ahead but can enjoy a more flexible process in 2025.
