The Passive Income Visa for moving
to the ocean, travel and citizenship in 5 years
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The Portugal D7 visa, also known as the Passive Income Visa, is issued to financially independent foreigners. For example, pensioners and investors can qualify for a visa.
Article 58 of Law No. 23/2007, dated 07/04/2007, provides the visa rules.
Only foreigners from non-EU countries can apply for a Portugal D7 visa.
Applicants buy or rent residential properties in Portugal to get the D7 visa. They also prove a passive income of at least €705 per month.
After the D7 visa, a cosmopolitan gets a residence permit with the right to work in Portugal.
Residents must spend at least 183 days a year in the country to keep their status.
The cost of obtaining a D7 visa is lower than participating in the Portugal Golden Visa program. The applicant only buys or rents a housing and confirms a monthly passive income of at least €705. The income must come from abroad. To get a D7 visa, the applicant doesn’t need to invest at least €250,000 in the country’s economy.
Portuguese residents visit other Schengen countries freely. In addition, they can stay in another region’s state for up to 90 days in half a year.
If foreigners spend more than 183 days a year in Portugal, they become the country’s tax residents and can qualify for benefits.
New tax residents can get the preferential Non-habitual Resident (NHR) status for 10 years. They don’t pay taxes on global income in Portugal if the tax has been already paid in one of the countries that have double tax treaties with Portugal. The personal income tax is levied in Portugal at a flat rate of 20%. Without the NHR status, the rate is up to 48%.
A Portuguese resident can apply for permanent residence or citizenship after five years of holding a temporary residence permit. In addition, the Portuguese passport allows its holder to travel to 187 countries without visas and live in any EU country.
Portugal allows dual citizenship. The investor doesn’t need to give up the first passport if the home country’s law doesn’t prohibit multiple citizenship.
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Financially dependent on the investor
The D7 visa cost depends on the number of applicants and the type of real estate — rented or purchased. If the applicant purchased the property, they pay the stamp duty and annual property tax.
| Expense item | Amount |
| Purchase or rent a real estate | No requirements for property or rental cost |
| Stamp duty | 0.8% of the property value at purchase |
| Annual municipal property tax | 0.3 to 0.8% of the property value |
| Medical insurance | €14+ a month per family member |
| Visa application fee | €90 per family member |
| Residence permit card | €83 per family member — processing fee €72 per family member — residence card issuance fee |
The investor buys or rents a property in Portugal. There are no limits for property cost and location, but the area must be enough to accommodate the main applicant and their family.
The applicant’s minimum passive income is tied to the minimum salary in Portugal. In 2022, it is €705 per month. If the investor’s family members get visas too, the income for a spouse or parent is 50% of the investor’s and 30% for a child.
| Family member | Annual income |
| Main applicant | €8,460 |
| Spouse or parent | €4,230 |
| Child | €2,358 |
The regular legal income in another country qualifies for the D7 visa. The income can be dividends, interest, royalties, pensions, rentals or salaries from remote work.
Wealthy people can get a residence permit by investment ora residence permit in Portugal by investment or a so-called Golden Visa. Investors buy real estate, investment fund units, or choose another option. The Golden Visa suits better for investors who do not plan to move to Portugal as it doesn’t require them to reside in the country.
| Terms | D7 visa and residence permit | Residence permit by investment |
| Investments | Not required | €280,000+ |
| Obtaining term | 4+ months | 6+ months |
| Mandatory residing in Portugal | 183 days a year | 7 days a year |
| Investor’s family members who can qualify | Spouse, children under 21, parents | Spouse, children under 26, parents |
| Fees for residence permit cards | €155 per family member | €5,340 per family member |
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Natalia Oganesyan
A certified Anti-Money Laundering Officer checks information in international legal and business databases. The check helps discover the facts that may affect obtaining a visa and residence permit in Portugal and reduce the risk of refusal. For example, it may be necessary to provide additional documents or choose another program.
The preliminary Due Diligence is confidential and takes 1 business day.
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The investor needs a taxpayer number (Número de Identificação Fiscal, NIF) to rent or buy real estate and open an account in a Portuguese bank. In the future, the NIF will be valid for many actions, from making an appointment with a doctor to accessing the Internet.
Non-EU citizens get a NIF through a tax representative in Portugal. The procedure is remote. Immigrant Invest lawyers prepare a power of attorney, under which the Portuguese representative gets a NIF for the investor.
The investor needs a taxpayer number and a passport to open a bank account. In addition, the applicant provides documents confirming the money’s legal origin in some cases. The procedure is remote. Therefore, Immigrant Invest lawyers open an account by proxy.
An amount sufficient for the family to live for a year is transferred to the bank account.
Immigrant Invest real estate experts offer the investor properties for rent or purchase. The investor picks a property remotely or goes to Portugal to see the options in person.
Buying a property takes up to two months. Renting is faster as the property selection, and paperwork takes several days.
Documents for visa application include:
Immigrant Invest lawyers help investors and their families collect the necessary documents and fill out forms. Then, applicants submit documents and biometric data to a Portuguese consulate in the country of residence.
A D7 visa is issued within 60 days from the application date.
The visa is valid for four months. In the meantime, the investor needs to come to Portugal and apply for a residence permit at an immigration office.
The visa holder can live but cannot work in Portugal. The restriction is lifted when the applicant gets a residence permit.
Immigrant Invest lawyers book an appointment at the Portuguese Migration Service (SEF). Then, the applicant submits the documents for a residence permit personally. An Immigrant Invest representative accompanies the applicant.
After the application is approved, a residence permit card is sent to the investor’s registered address in Portugal.
The first residence permit card is valid for two years. After that, the investor can extend it for another three years, and then apply for permanent residence or citizenship.
New duties may arise after getting a residence permit. For example, the investor may need to get a residence permit for a newborn child, buy real estate or apply for citizenship. Let’s talk about how we can help.
We help investors get new residence permit cards in two years.
We prepare documents and help to apply.
We help investors’ spouses, children and parents get residence permits.
We help get the preferential NHR tax status after the investor has become a Portuguese tax resident.
We prepare a replacement application and accompany the investor until a new residence permit card is received.
We help choose a finished apartment or buy a property under construction and follow up on the deal.
Schedule a meeting at one of the offices or online. A lawyer will analyze the situation, calculate the cost and help you find a solution based on your goals.
Evgeniya Morozova
Foreigners from non-EU countries are eligible for the D7 visa. The mandatory requirement for applicants is to earn a passive income of at least €705 per month in another country and purchase or rent housing in Portugal.
The main applicant must be over 18 years old, have legal income and have no criminal record. A spouse, children under 26, and parents can get visas.
Citizens of Pakistan, India, the UAE, Qatar, Saudi Arabia, Argentina and the UK tend to get the Portugal Passive Income Visa more often than others. The D7 visa is most suitable for remote workers, freelancers, digital nomads, and wealthy retired foreigners.
The applicant’s costs include purchasing or renting a residential property and related taxes. In addition, the investor gets medical insurance and pays fees for visa application and issuing residence permit cards. The total cost depends on the applicant’s family composition. To learn more, get an individual cost calculation.
The applicant opens a bank account in Portugal and transfers money enough for living in the country for a year.
The amount depends on the minimum salary in Portugal. In 2022, it is €705 per month. Therefore, the amount for a year is €8,460 for the main applicant. If there are family members, 50% of the amount is added per spouse or parent, and 30% is added per child.
The procedure takes at least two months. First, the applicant registers as a Portuguese taxpayer and opens an account in a local bank. After that, they choose a residential property for purchase or rent.
The longest procedure is the visa application processing at a Portuguese consulate. The process might take up to four months.
When the applicant gets approval, they can go to Portugal and apply for a residence permit.
The D7 visa is valid for four months. Until the expiration date, the applicant is to come to Portugal and apply for a residence permit at the SEF, the Portuguese Migration Service.
The residence permit card received after the D7 visa is valid for two years. After it expires, the resident can extend their status for another three years.
No, the visa doesn’t provide such a right. But a residence permit does; the applicant gets it after a D7 visa.
The applicant pays taxes when they buy property in Portugal. First, the deals are subject to stamp duty and property transfer tax. After that, the owner pays an annual municipal property tax of 0.3 to 0.8%.
If the visa holder lives in Portugal for more than 183 days a year, they can change the tax residency to the Portuguese one. After that, they start to pay the personal income tax, solidarity, capital gains and other taxes, and get a beneficial tax status.
The D7 visa applicants don’t need to meet the investment requirements; they only need to buy or rent a property and prove sufficient income to live in Portugal.
The Golden Visa applicants buy real estate, investment fund units or choose another investment option with a fixed amount. The cost of real estate under the program is at least €280,000.
A residence permit by investment is suitable for wealthy people who do not plan to move to Portugal. Investors need to spend only seven days a year in the country. A residence permit after the D7 visa obliges the holder to live in Portugal for at least six consecutive months or eight months in total during the year.
Within four months after getting a D7 visa, the holder must enter Portugal and apply for a residence permit. The Portuguese Migration Service, the SEF, accepts applications for residence.
The application must be submitted in person and under a pre-booked appointment. In addition, a person submits their fingerprints for a biometrical residence permit card with the application.
The applicant pays government fees and waits for a decision. After the application is approved, a residence permit card is sent to the investor’s registered address in Portugal.
A resident must live more than 183 days a year for five consecutive years in Portugal to qualify for citizenship by naturalisation after the D7 visa. In addition, the applicant confirms the Portuguese language proficiency at the A2 level and the absence of criminal records in Portugal.
The Portuguese passport allows the holders to visit 187 countries without visas, including the UK and the Schengen Area. In addition, the citizens can live in any EU country of their choice.
Schedule a meeting at one of the offices or online. A lawyer will analyze the situation, calculate the cost and help you find a solution based on your goals.
Zlata Erlach
