€3.5 million
Penthouse in Sliema, 100 metres to beach
Property Investment in Malta as a Foreigner
Malta restricts the sale of real estate to foreigners: a buyer needs a special permit.
Statistics confirm the liquidity of investments: residential property prices grow by 1.2% each quarter. Seven years ago, an apartment of 100 m2 cost €241,000. Today it’s sold for €370,000.
€3,300
Average price per 1 m²
€220,000+
Real estate investment for residency
8—15%
Associated costs, of the property value
How the residential property price index is growing in Malta
Cost of a 3-bedroom apartment in Malta
€1.2 million
Apartment with a sea view, 500 metres from the beach
€240,000
Apartment in 2 km from the sea
Real estate in Malta
Malta, Valletta
€1,380,000 — €2,470,000
Modern apartments not far from sea in Valetta
133 m² — 244 m²
1—3 
1—3 
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Malta residency or citizenship by real estate investment
Malta offers investors two state residency options: the Malta Global Residence Programme and the Malta Permanent Residence Programme.
The Global Residency Programme leads to a temporary residence permit and a beneficial tax status. Becoming a resident involves:
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renting or purchasing accommodation in Malta;
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paying an administrative fee;
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paying an income tax of 15% but not less than €15,000 per year in Malta;
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not spending more than 183 days a year in another country.
The Permanent Residence Programme grants a lifelong status to those who:
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rents or buys accommodation in Malta;
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pays an administrative fee of €60,000+ and a contribution fee of €37,000+;
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donates at least €2,000 to charity;
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confirms assets worth at least €500,000 with €150,000 of them being financial assets. Another option is to demonstrate at least €650,000 with €75,000 of financial assets.
Maltese property owners can also obtain citizenship by naturalisation for exceptional services by direct investment if they pass a rigorous Due Diligence check and prove their ties to the country.
Minimum real estate investment in Malta
€220,000
Purchasing a property for a residence permit
€375,000
Purchasing a property for permanent residency
€700,000
Purchasing a property for citizenship
Under the Malta Global Residence Programme, the investor can purchase or buy a residential property in the country. The investment amount depends on the region:
- in the south of Malta or Gozo — €220,000+ for purchase and €8,750+ per year for rent;
- in the north and centre of Malta — €275,000+ for purchase and €9,600+ per year for rent.
If purchasing a property in the south of Malta or Gozo, the administrative fee is €5,500. In all other cases, it is €6,000.
The Malta Permanent Residence Programme also sets two property options—purchase and rent. The breakdown is the following:
- €375,000+ for purchase;
- €14,000+ per year for rent.
To qualify for citizenship, an investment property must cost at least €700,000, regardless of the region. The rental option is also available and requires at least €16,000 per year. The minimum ownership or rental period is 5 years after obtaining citizenship.
Simplified purchase terms. Special Designated Areas have been created for foreigners willing to invest in residential development projects. To purchase a property in an SDA, there is no need to acquire an AOP Permit, and it is possible to buy multiple properties and rent them out.
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Trusted by 5000+ investorsTaxes and associated costs
Associated costs when purchasing a property in Malta
Property buyers pay a one-time purchase tax, stamp duty, and special fees. The total associated costs will range from 8 to 15% of the purchase agreement value.
When buying an apartment worth €740,000, the investor will spend €851,000, including all additional purchase costs.
Approximate annual expenses on maintenance of an apartment in an SDA
There is no property tax in Malta. Tax on land that belongs to a villa or an apartment building is only payable if the land is leased out long-term. In this case, the tax will range €40 to 250.
If the owner rents out the property, they pay a tax of 35% on the rental income.
Monthly maintenance
Utilities. Water and electricity are paid according to the meter. The rate depends on the number of registered residents. There is no central heating and domestic gas network in Malta.
In summer, water in the houses is heated in special tanks on the roof and with electric water heaters in winter. Air conditioners or electric heaters are used for heating.
If the owner needs gas, it can be purchased in balloons. A balloon costs €5.5.
Property owners or management companies determine maintenance payments for the elevator, cleaning, repairs, security, and swimming pools. The maintenance is paid once a year.
Internet, TV, and telephone connection costs €50 to 100, depending on the tariff and locality.
Associated costs when selling a home
A property seller pays capital gains tax and an agency fee if a licensed real estate agency handles the sale.
Capital gains tax is paid on the difference in value if the property is sold for more than it was purchased. If the Maltese Tax Office considers the sale and purchase agreement price too low, the tax will be charged on the market property value, not the transaction amount.
Countries to buy a property and get residency or citizenship
We offer proven properties that comply with the conditions of government programs for investors. You can buy real estate and obtain a residence permit or citizenship.
Country and status
Investments
Status
Time required
€375,000+
Permanent residency
6+ months
Show 29 properties
€375,000+Permanent residency6+ months
AED 750,000+
Residence permit
2+ months
Show 158 properties
AED 750,000+Residence permit2+ months
Not limited
Residence permit
4+ months
Show 38 properties
Not limitedResidence permit4+ months
Not limited
Residency after D Visas
6+ months
Show 68 properties
Not limitedResidency after D Visas6+ months
40+ guides with European countries
Find out how much it costs to buy and rent real estate in each country, what the market dynamics are and what taxes you need to pay when buying and selling.
Property Investment in Poland as a ForeignerForeigners can freely buy, sell and rent out apartments in Poland. You need permission from the Ministry of Internal Affairs of Poland...
€2,697
Average price per 1 m²
2,1%
Average price growth per quarter
Property Investment in Netherlands as a ForeignerForeigners can freely buy, sell, and rent out real estate in the Netherlands. There are no restrictions on property ownership for...
€5,600
Average price per 1 m²
2.6%
Average price growth per quarter
Property Investment in Liechtenstein as a ForeignerThe sale of real estate to foreigners is restricted in Liechtenstein: to purchase, you need to obtain a residence permit, live in the...
€4,175
Average price per 1 m²
Material prepared by Alevtina Kalmuk, Author and editor of articles about investment citizenship and residency
Updated: