Malta is not only a sought-after tourist destination but also an attractive hub for permanent residency. The Permanent Residency Programme (MPRP) presents an intriguing opportunity for non-European nationals and families seeking to invest in a secure and prosperous future in Malta.
Let’s explore them together.
Enhanced Mobility with Maltese Permanent Residency
While Maltese permanent residency does not grant citizenship or a Maltese passport, it still offers significant travel benefits. As a permanent resident of Malta, you gain the right to live indefinitely in Malta and can travel visa-free within the Schengen Area for up to 90 days within any 180-day period. This provides convenient access to 27 European countries for tourism or short business trips.
It’s important to note that permanent residency is not the same as citizenship, and it does not entitle you to a Maltese passport. Citizenship is a separate legal process that involves additional eligibility requirements and approvals, and is no longer available via Malta’s former investment route, which was ruled illegal by the European Court of Justice in April 2025.
Access to Malta’s Public Healthcare and Education Systems
Permanent residents in Malta can benefit from access to the country’s reputable public healthcare system and educational institutions. While not all services are free, residency allows you to register for national health coverage, providing affordable access to a wide range of medical services. Additionally, families with children can enroll them in public or state-supported schools, which follow a high-standard, bilingual curriculum.
This access supports a high quality of life and makes Malta an appealing destination for individuals and families planning a long-term stay.
Favourable Tax Regime
Malta’s tax regime is one of the elements that attract prospective residents. With personal income tax capped at a maximum rate of 35%, coupled with generous deductions, Malta offers a conducive environment for wealth management.
Additionally, the absence of gift tax, inheritance tax, and certain property taxes further solidifies Malta’s appeal as a low-tax jurisdiction. There are no gift, inheritance, or certain property taxes, enhancing Malta’s appeal.
Learn more about personal income tax in Malta.
Business Opportunities and Tax Advantages
Permanent residency in Malta grants individuals the right to establish businesses, paving the way for potential tax advantages compared to their home jurisdictions. The opportunity to set up a business in Malta, coupled with tax incentives, presents a compelling proposition for entrepreneurs and investors seeking to optimise their financial portfolios.
Foreigners in Malta can benefit from tax refunds under specific circumstances. Notably, Malta’s tax system allows for partial refunds of corporate tax paid on distributed profits. For example, non-resident shareholders may receive a refund of up to 6/7ths of the Malta corporate tax paid, reducing the effective tax rate to 5%. This refund system is applicable to both domestic and international activities, provided the income is not derived from immovable property situated in Malta.
Additionally, Malta’s tax treaties and unilateral relief provisions ensure that foreign-source income is not doubly taxed, which can also lead to tax refunds in some cases. These measures make Malta a compelling option for wealth management and tax efficiency.
Stable Political and Economic Environment
Malta offers a secure and stable environment, both politically and economically. As an EU member state with a strong legal system, low crime rate, and consistent economic growth, the country provides long-term stability for residents. This makes it an attractive base for individuals seeking a safe, business-friendly, and predictable place to live and invest in.
Thriving Real Estate Market
Investing in Malta’s real estate market can turn into a lucrative opportunity for permanent residents, with property values steadily appreciating over the years. Over the past 15 years, property prices in Malta have increased steadily, with the Residential Property Price Index rising from 100 in 2008 to over 160 in 2023. This growth, while significant, should be approached with caution as it may be overheated compared to the broader European trend (Central Statistics Office).
Furthermore, the option to sell the property after five years of residency enables individuals to reap substantial returns and enhance their financial portfolios. At the same time, Malta’s strategic location within the European Union positions residents at the heart of a fast-growing economy, offering access to a considerable consumer base and many investment opportunities.
Conclusion
Malta isn’t just a beautiful place to visit but also a great choice for living permanently. Its fluid programs for becoming a resident make it simple for expats to move there and enjoy many benefits. The Permanent Residency Programme (MPRP) offers many advantages, like opportunities for businesses, safety for families, easy travel, and a better lifestyle. From having a passport that lets you travel easily to enjoying low taxes and good investment options, Malta has a lot to offer for those seeking a secure and prosperous life.
Are you interested in applying for permanent residency in Malta? If your answer is yes and you have additional questions you need an answer to, don’t hesitate to reach us at Expatax.mt
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