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Golden Visa (Residency by Investment) Programs 2025 – A Complete Guide
- Victor Koo
- 5 days ago
- 12 min read
In an increasingly globalised world, the concept of Golden Visas has gained significant traction. These programs, also known as Residency by Investment (RBI), Investor Visas, Investment Visas, Permanent Residency by Investment (PR by Investment) or Economic Residency provide individuals and their families with an opportunity to secure residency in a foreign country in exchange for a substantial economic contribution. These initiatives have become cornerstone strategies for High-Net-Worth Individuals (HNWIs) seeking Second Residency options.
This article explores the nuances of these programs, providing an in-depth analysis of their benefits, requirements, and global trends.
What Are Golden Visas or Residency by Investment (RBI)?
Golden Visas
Golden Visas are government-sanctioned programs that grant residency to foreign nationals who make a qualifying investment in the host country. These investments typically span real estate, business development, investment funds or government bonds. In return, applicants receive residency rights and, in some cases, a pathway to citizenship.
Residency by Investment (RBI)
Residency by Investment (RBI) programs is another term used for Golden Visas and encompass various forms of investment-based residency options. Unlike traditional immigration pathways, Residency by Investment (Golden Visa) programs are specifically designed for individuals with the financial means to contribute significantly to the host country’s economy.
Benefits of Golden Visas or Residency by Investment (RBI)
Freedom of Movement
Golden Visas (Residency by Investment) often come with the privilege of visa-free or visa-on-arrival travel to numerous countries, especially within regions like the European Union (EU).
Pathway to Citizenship
Many Residency by Investment (Golden Visa) programs offer a route to Citizenship after a specified period, allowing investors to secure Dual Nationality.
Tax Optimisation
Certain jurisdictions provide favourable tax regimes for residents, such as exemptions on global income or capital gains tax.
Quality of Life
Golden Visas (Residency by Investment) or Economic Residency programs often grant access to superior healthcare, education, and overall living standards.
Business Opportunities
Residency in a stable economy allows investors to expand their business operations and access new markets.
Types of Investments Eligible for Residency by Investment (Golden Visa) Programs
Real Estate Investments
Purchasing property is one of the most popular pathways. Many countries require a minimum real estate investment starting from EUR 250,000.
Government Bonds
Investing in government securities is a secure and straightforward option.
Business Investments
Creating jobs or investing in existing businesses is another common requirement for Residency by Investment (Golden Visa) programs.
Charitable Donations
Some countries accept philanthropic contributions to public projects such as education or healthcare.
Popular Golden Visa (Residency by Investment) Programs 2025
Europe
Golden Visa (Residency by Investment) Programs 2025
European Golden Visa programs, including those offered by European nations such as Portugal, Cyprus, Greece, Malta, Hungary, Monaco, and the United Kingdom (UK), are highly sought-after for their attractive European Residency by Investment (RBI) opportunities. These European Investor Visas grant residency permits in exchange for qualifying investments, typically in real estate, business ventures, investment funds or government-approved funds. Participants benefit from European Second Residency, which often includes visa-free or visa-on-arrival travel across the Schengen Zone and other regions, along with pathways to European Permanent Residency by Investment or even Citizenship. With minimal residency requirements, these European Investment Visas are ideal for global investors seeking enhanced mobility, security, and lifestyle advantages. The programs' appeal lies in their flexibility and the long-term benefits of European PR by Investment.
Minimum: EUR 300,000 +
Processing Time: 6–9 months
Key Benefits: Permanent Residency (PR) with access to Schengen Zone soon | Option to apply for Citizenship after 5 years | High standard of living with excellent healthcare and education | Strategic location with access to Europe, Asia, and the Middle East
Minimum: EUR 250,000 +
Processing Time: 6–9 months
Key Benefits: Residency with access to the Schengen Zone | Option to apply for Citizenship after seven (7) years of residency | No minimum stay requirements | High standard of living with excellent healthcare and education
Minimum: EUR 250,000 +
Processing Time: 6 months
Key Benefits: Residency with access to the Schengen Zone | No physical residency requirements | Potential pathway to Citizenship | Central location in Europe for ease of travel
Minimum: EUR 132,000 +
Processing Time: 6–8 months
Key Benefits: Permanent Residency (PR) with access to the Schengen Zone | High standard of living with excellent healthcare and education | No physical residency requirements
Minimum: EUR 500,000 +
Processing Time: 9–12 months
Key Benefits: Residency in a prestigious tax haven | Access to Schengen Zone | High standard of living with excellent healthcare and education | No Income Tax or Capital Gains Tax | Proximity to France and the rest of Europe
Minimum: EUR 200,000 +
Processing Time: 12-24 months
Key Benefits: Residency and Schengen Zone access with the option to apply for Citizenship after five (5) years with minimum residency requirements | High standard of living with excellent healthcare and education
Minimum: N/A +
Processing Time: 4–6 months
Key Benefits: Pathway to Permanent Residency (PR) or Indefinite Leave to Remain (ILR) after three (3) years and Citizenship after five (5) years | Opportunity to establish innovative businesses in the United Kingdom (UK) | High standard of living with excellent healthcare and education
North America
Residency by Investment (Golden Visa) Programs 2025
North America is home to some of the most prestigious Residency by Investment (Golden Visa) programs, with countries like the United States of America (USA) and Canada leading the way in providing lucrative pathways to a Green Card or Permanent Residency (PR).
Both the United States of America (USA) and Canada Residency by Investment (Golden Visa) programs offer a range of benefits, including access to dynamic and stable economies, minimal physical presence requirements in some cases, enhanced global mobility, high-quality healthcare and world-class education. These features make them ideal for entrepreneurs and business investors seeking a high standard of living, long-term stability, residency options, and opportunities for international business expansion.
Minimum: CAD 75,000 +
Processing Time: 40 months
Key Benefits: Direct pathway to Permanent Residency (PR) and Citizenship after three (3) years of PR | Opportunity to establish innovative businesses in a thriving economy | High standard of living with excellent healthcare and education
Minimum: USD 800,000 +
Processing Time: 24–60 months
Key Benefits: Direct pathway to a Green Card (Permanent Residency) | Freedom to live, work, and study anywhere in the United States of America (USA) | Access to world-class healthcare, education, and business opportunities | Potential pathway to USA Citizenship after five (5) years of Permanent Residency (PR)
Asia-Pacific (APAC)
Residency by Investment (Golden Visa) Programs 2025
Asia-Pacific (APAC) Residency by Investment (RBI) programs are some of the world's most prestigious and are often referred to as Asia-Pacific (APAC) Golden Visas or Asia-Pacific (APAC) Investor Visas. Countries like Hong Kong, Singapore, Malaysia, and New Zealand offer attractive pathways to secure long-term Asia-Pacific (APAC) Second Residency or Asia-Pacific (APAC) Permanent Residency (PR) by Investment, with pathways to Asia-Pacific (APAC) PR by Investment and/or Asia -Pacific (APAC) Citizenship through substantial investments in their thriving economies.
These Asia-Pacific (APAC) Investment Visas provide more than just tax-friendly environments and vibrant lifestyles — they ensure political stability and financial security, world-class healthcare and education systems, and enhanced regional and global mobility. Ideal for investors seeking high living standards, secure lifestyle benefits, tax havens and strategic global connections, these programs are transforming the Asia-Pacific (APAC) region into a hub for elite Residency by Investment (Golden Visa) opportunities.
Situated in the heart of Southeast Asia or the ASEAN (Association of Southeast Asian Nations) region, Singapore and Malaysia are the standout options in one of the world’s most sought-after regions.
Minimum: HKD 30,000,000 +
Processing Time: 6 months
Key Benefits: Residency in a global financial hub with no foreign exchange controls | Access to world-class education and healthcare systems | No requirement to establish or operate a business | Pathway to Permanent Residency (PR) after seven (7) years | Tax haven
Minimum: ~ MYR 1,000,000 +
Processing Time: 2–3 months
Key Benefits: Reasonable cost of living | Cosmopolitan and friendly | High quality of life, beautiful, vibrant, safe and family-friendly | World-class international hub for healthcare and education | Minimal property ownership restrictions for foreigners | Tax haven
Minimum: NZD 5,000,000 +
Processing Time: 12–24 months
Key Benefits: Residency with a pathway to Permanent Residency (PR) after four (4) years, Citizenship after five (5) years and access to Australia | Access to a high quality of life, education, and healthcare | Scenic landscapes and a safe, family-friendly environment
Minimum: SGD 10,000,000 +
Processing Time: 6–12 months
Key Benefits: Permanent Residency (PR) with opportunities for Citizenship | Access to a world-class financial hub and business-friendly environment | Excellent quality of life with top-tier healthcare and education | Tax haven
The General Process of Applying for Golden Visas or Residency by Investment (RBI) Programs
Research and Eligibility Assessment
Start by identifying countries that align with your objectives. Assess your eligibility based on financial resources, investment preferences, and residency requirements.
Select an Authorised Agent, Lawyer or Consultant
Most Residency by Investment (Golden Visa) programs require applications to be submitted through government-approved agents, lawyers or consultants. Engage a reputable service provider for guidance.
Prepare Documentation
Compile necessary documents, including:
Proof of investment funds.
Background checks (criminal record).
Health insurance coverage.
Valid passport and personal identification.
Make the Investment
Complete the qualifying investment, such as purchasing property, transferring funds to a government-approved project, or making a charitable donation.
Submit the Application
File your application along with supporting documents and evidence of the investment.
Undergo Due Diligence Checks
Governments conduct rigorous checks to verify the authenticity of the information provided and ensure compliance with legal and ethical standards.
Receive Approval and Residency Permit
Once approved, you will receive a residency permit granting you the rights stipulated by the program.
Fulfil Residency Requirements
Adhere to any physical presence or renewal conditions to maintain your residency status.
Challenges and Considerations
Due Diligence
Strict background checks ensure that applicants meet ethical and financial standards.
Compliance with Tax Laws
Applicants must navigate complex tax laws to avoid double taxation or other financial complications.
Program Longevity
Governments may alter or terminate programs, so timely action is crucial.
Residency Requirements
Some programs necessitate physical presence in the host country for a specified duration.
Trends and Future Outlook
Increased Demand Post-Pandemic
The COVID-19 pandemic has heightened interest in Golden Visas (Residency by Investment) as individuals prioritise access to healthcare and mobility.
Digital Nomad Visas
Countries are now combining Residency by Investment (Golden Visa) programs with digital nomad initiatives to attract a younger demographic.
ESG Investments
Programs are increasingly emphasising Environmental, Social, and Governance (ESG) criteria, aligning with global sustainability goals.
Conclusion
Golden Visas or Residency by Investment (RBI) programs are transformative tools for individuals seeking global mobility, economic opportunities, and enhanced quality of life. With diverse options available worldwide, these programs cater to various financial capacities and personal goals. By understanding the intricacies of Investment Visas, Permanent Residency by Investment or Economic Residency prospective applicants can make informed decisions to secure their Second Residency and future-proof their lifestyles.
For the latest updates and personalised guidance, consult with immigration specialists and legal advisors to navigate the complexities of these programs effectively.
FAQs
Golden Visas, also referred to as Residency by Investment (RBI), Investor Visas, Investment Visas, Permanent Residency by Investment (PR by Investment) or Economic Residency are programs designed to grant Second Residency or Permanent Residency (PR) in exchange for a qualifying financial contribution to the host country. These programs offer High-Net-Worth Individuals (HNWIs) opportunities for enhanced global mobility, lifestyle upgrades, and financial benefits.
What are Golden Visas (Residency by Investment)?
Golden Visas (Residency by Investment) are residency permits granted to foreign investors who make significant financial contributions to a country. These programs typically involve investments in real estate, investment funds, government bonds, or businesses and often lead to Permanent Residency (PR) or even Citizenship after a specific period.
What is Residency by Investment (Golden Visas)?
Residency by Investment (Golden Visas) refers to programs that allow individuals to obtain residency in a foreign country by making an approved financial investment. Residency by Investment (Golden Visa) programs are structured to attract foreign capital, stimulate economic growth, and offer investors and their families the benefits of residency in a stable and prosperous nation.
What are Investor Visas and Investment Visas?
Investor Visas: These visas are issued to individuals and their families who invest in a country’s economy, typically through real estate, business ventures, or job creation.
Investment Visas: A broader term, encompassing any visa obtained through a qualifying financial investment.
These programs are more commonly known as Residency by Investment (RBI) or Golden Visa schemes.
What is Second Residency?
Second Residency is the legal right to reside in a country other than your home country. It is often acquired through investment programs and provides benefits such as access to better healthcare, education, and visa-free travel within certain regions.
What is Permanent Residency by Investment (PR by Investment)?
Permanent Residency by Investment (PR by Investment) refers to obtaining long-term or indefinite residency rights in a foreign country by fulfilling the investment requirements of a specific program. Unlike temporary residency, Permanent Residency (PR) status offers greater stability and often serves as a pathway to Citizenship.
What is Economic Residency?
Economic Residency describes residency granted in exchange for financial contributions that benefit the host country’s economy. This includes investments in real estate, investment funds, bonds, businesses, or development funds, making it an integral part of Residency by Investment (RBI) or Golden Visa programs.
Why do people apply for Golden Visas or Residency by Investment (RBI) programs?
Investors seek Golden Visas or Residency by Investment (RBI) programs for reasons such as:
Global Mobility: Visa-free or visa-on-arrival access to multiple countries.
Financial Security: Opportunities for asset diversification and tax optimisation.
Quality of Life: Access to better healthcare, education, and a stable environment.
Business Opportunities: Access to new markets and favourable business conditions.
Pathway to Citizenship: Many programs lead to Citizenship after fulfilling residency requirements.
Which countries offer the best Golden Visa or Residency by Investment (RBI) programs?
Popular countries offering these programs include:
Europe: Portugal, Cyprus, Greece, Malta, Hungary, Monaco and the United Kingdom (UK).
North America: United States of America (USA) and Canada.
Asia-Pacific: Hong Kong, Singapore, Malaysia and New Zealand.
What are the typical investment requirements for Golden Visas or Residency by Investment (RBI)?
Investment thresholds vary by country and often include:
Real Estate: Minimum investment from EUR 250,000.
Government Bonds: Investing in state-backed securities, often starting at HKD 30,000,000.
Business or Job Creation: Establishing or supporting enterprises that generate employment.
National Development Funds: Donations to government-approved initiatives, typically starting at EUR 200,000.
What are the costs associated with Golden Visas or Residency by Investment (RBI) programs?
Costs include:
Investment amount (e.g. real estate purchase or fund contribution).
Application and processing fees (often EUR 10,000 – EUR 50,000).
Legal and administrative fees.
Annual renewal fees for temporary residency permits.
Do Golden Visas or Residency by Investment (RBI) programs include family members?
Yes, most programs allow applicants to include family members such as:
Spouses or partners.
Dependent children (usually under 21–25 years of age).
Parents or grandparents (often with financial dependency).
Is physical residency required for Golden Visa or Residency by Investment (RBI) programs?
Residency requirements vary:
Minimal Residency Requirements: Portugal, Greece, Malta and Hungary.
Long-Term Residency: Some programs, like the United States of America (USA) EB-5 or Canada Start-Up Visa (SUV), require substantial physical presence to maintain residency status.
How long does it take to get a Golden Visa or Residency by Investment (RBI)?
Processing times range from:
2–6 Months: Malaysia, United Kingdom (UK).
6–12 Months: Cyprus, Greece, Malta, Hungary, Monaco, Hong Kong, Singapore.
12–24 Months: Portugal, New Zealand.
24–60 Months: United States of America (USA), Canada.
Can Golden Visas or Residency by Investment (RBI) lead to Citizenship?
Yes, many programs offer a pathway to Citizenship after maintaining residency for a specified period.
For example:
Canada: Citizenship after three (3) years of Permanent Residency (PR)
Portugal, Cyprus, United Kingdom (UK) & New Zealand: Citizenship after five (5) years of residency.
United States of America (USA): Citizenship after five (5) years of Permanent Residency (PR)
Greece: Citizenship after seven (7) years of residency.
Malta: Direct Citizenship options are available through substantial investment.
What are the tax implications of Golden Visas or Residency by Investment (RBI)?
Tax implications depend on the country:
Many programs do not tax worldwide income.
Many countries offer attractive tax regimes.
Consulting a tax advisor is essential to understand obligations and benefits.
Are there risks associated with Golden Visas or Residency by Investment (RBI) programs?
Potential risks include:
Policy Changes: Programs may be altered or discontinued.
Economic Risks: Real estate investments may fluctuate in value.
Residency Revocation: Failure to meet program requirements (e.g. maintaining investments).
What is the difference between Golden Visas (Residency by Investment) and Citizenship by Investment (CBI)?
Golden Visas (Residency by Investment): Grant residency rights with the potential to apply for Citizenship after fulfilling requirements.
Citizenship by Investment (CBI) Programs: Offer direct Citizenship in exchange for investments, bypassing residency requirements.
How do governments benefit from Golden Visa or Residency by Investment (RBI) programs?
Governments use these programs to:
Attract Foreign Direct Investment (FDI).
Stimulate real estate and infrastructure growth.
Create jobs and support local businesses.
Fund national development projects.
What Due Diligence is required for Golden Visas or Residency by Investment (RBI) applicants?
Applicants must pass stringent checks, including:
Verification of financial assets and income sources.
Criminal background checks.
Proof of legal and compliant investment activities.
Can a Golden Visa or Residency by Investment (RBI) program be revoked?
Yes, residency can be revoked if:
The investor fails to maintain the required investment.
Residency obligations, such as minimum stay periods, are not met.
Fraudulent documentation is provided during the application process.
How can I choose the best Golden Visa or Residency by Investment (RBI) program?
Key considerations include:
Investment Budget: Match the program to your financial capacity.
Travel and Residency Goals: Evaluate visa-free travel and residency pathways.
Family Inclusion: Ensure dependents can benefit from the program.
Tax Benefits: Align the program with your financial planning needs.
How do I apply for a Golden Visa or Residency by Investment (RBI)?
To apply:
Research Programs: Identify suitable programs based on your goals.
Consult Advisors: Seek assistance from licensed agents or immigration lawyers.
Prepare Documentation: Gather proof of funds, investment plans, and personal information.
Submit Application: Through government-approved channels.
Make the Investment: Finalise the financial requirements and secure residency.
Golden Visas, Residency by Investment (RBI), or Investor Visas provide unparalleled opportunities for High-Net-Worth Individuals (HNWIs) to gain global mobility, financial benefits, and improved quality of life. With a variety of programs to choose from, investors can tailor their applications to meet personal and professional goals while contributing to the economic development of host countries.
