"You do not need half a million euros and a deed to live in Spain. You need clean paperwork, private health insurance, and enough savings to prove you can sit still without a paycheck. For a decade, Spain's Golden Visa sold a simple pitch. Buy property for at least €500,000 and unlock residency with almost no time-in-country requirement. That door has closed."
"In the vacuum, one permit has quietly become the sanest way for Americans to move, settle, and build a life: the Non-Lucrative Visa. The name sounds unfriendly. The reality is practical. If you can prove funds, carry private health insurance with no copays, pass the police and medical checks, and commit to actually living in Spain, this visa gives you a one-year residence card that becomes two years, then two more, and then a long-term card at the five-year mark."
Spain eliminated the Golden Visa real-estate route in 2026, ending the option to obtain residency through property purchases of €500,000. The Non-Lucrative Visa now functions as a practical pathway for Americans seeking to move and settle in Spain without investing in property. Applicants must demonstrate stable savings, obtain private health insurance with no copays, pass police and medical checks, and commit to residing in Spain. The visa initially grants a one-year residence card, followed by renewals: two years, another two years, and eligibility for long-term residency after five years. Applicants should prepare documentation, choose compliant insurance, and plan tax strategy.
Read at Gamintraveler
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