🤔 Should You Apply for the Spain Non-Lucrative Visa?
The Spain Non-Lucrative Visa (NLV) is one of the most popular residence permits for non-EU citizens looking to move to Spain — especially for retirees, investors, early retirees, and families.
But it’s not for everyone.
Let’s break down the benefits and limitations to help you decide if this is the right option — or if you should consider an alternative like the Digital Nomad Visa or Golden Visa alternatives.
✅ Pros of the Spain Non-Lucrative Visa
1. Live in Spain Without Needing a Job
You don’t need a work contract, business, or job offer. If you have passive income or savings, you can live in Spain with full legal residency.
2. Includes Your Spouse and Children
The NLV allows you to apply with family members. Just prove extra financial support per dependent.
➡️ [See Article 4 – NLV for Families]
3. Path to Permanent Residency and Citizenship
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After 5 years, you can apply for permanent residency
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After 10 years, you may qualify for Spanish citizenship
(Latin American citizens: eligible in just 2 years)
4. Access to Healthcare and Education
While the NLV requires private insurance, after a few years in Spain, you may qualify for the public system. Children can attend public or private schools.
5. No Local Economic Activity Required
There’s no need to start a business, prove employment, or invest in Spanish assets — a major benefit for those seeking a quiet retirement or sabbatical.
❌ Cons of the Spain Non-Lucrative Visa
1. No Right to Work in Spain
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You cannot work for a Spanish company
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You should not freelance or work remotely, even for foreign clients (though this is often misunderstood)
➡️ If you want to work remotely, apply for the Digital Nomad Visa instead
2. High Passive Income Requirements
For individuals, the annual threshold is ~€30,000 — increasing with each dependent. Some consulates expect proof of surplus funds beyond the minimum.
3. Becomes Tax Resident of Spain
After 183 days/year in Spain, you become a tax resident, subject to Spanish global income taxes — even if your income is foreign-sourced.
💬 Planning ahead with a tax advisor is essential.
4. Strict Rules for Renewal
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You must remain in Spain at least 183 days per year
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Renewal requires double the income for a 2-year stay
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Gaps in insurance, address registration, or bank funds can block renewals
➡️ [See Article 5 – Renewals]
5. Application Can Be Bureaucratic
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Each consulate has its own process
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Requires apostilles, sworn translations, certified statements, etc.
📌 Many applicants find it smoother with legal support.
🧭 Who Is the NLV Ideal For?
✅ Retirees or early retirees
✅ Individuals with pensions, rental income, or large savings
✅ Families who want to relocate and integrate long-term
✅ Sabbatical seekers who want a year off
✅ Investors waiting to qualify for permanent residency or citizenship
❌ Who Should Consider Other Visas?
You may want to avoid the NLV and consider another path if you are:
🚫 A remote worker or freelancer (Digital Nomad Visa is better)
🚫 A professional seeking a job in Spain (Work Visa route required)
🚫 Looking to run a business in Spain (Entrepreneur or Self-Employment Visa fits better)
🚫 Interested in fast-tracked citizenship via investment (explore alternatives to the now-abolished Golden Visa)
👨⚖️ Need Help Choosing or Applying?
Whether you’re unsure which visa fits your lifestyle — or you’re ready to begin the application — Borderless Lawyers can guide you every step of the way:
✅ Strategic visa planning
✅ Document review & application prep
✅ Certified translations & apostilles
✅ Full support before and after you arrive in Spain