Approved Investment Routes

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Malta currently offers two primary pathways for HNWIs seeking status through economic contribution: (1) the CES program for citizenship and (2) the Malta Permanent Residence Programme (MPRP) for long-term residency.

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Under CES, applicants must:

• Contribute €600,000 (36-month path) or €750,000 (12-month path) to the National Development and Social Fund (NDSF).
• Invest €700,000+ in Maltese real estate (or lease at €16,000/year for 5 years).
• Donate €10,000 to a registered NGO.

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The real estate must be residential, not sublet or commercial, and meet minimum habitability standards. Urban areas, particularly in central Malta and Valletta, command higher valuations and offer greater liquidity upon resale.

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Alternatively, the MPRP offers permanent residency without citizenship for a total capital outlay of €150,000-€300,000, depending on rental or property ownership:

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• Non-refundable government contribution: €68,000 (property) or €98,000 (rental).
• Property purchase: €300,000 (South Malta/Gozo) or €350,000 (elsewhere), held for five years.
• Or annual rental of €10,000-€12,000.
• €2,000 donation to a local NGO.

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The MPRP is particularly attractive to families not seeking citizenship but wanting a stable EU base. It has no physical presence requirements.

From a strategic perspective, the CES route offers greater long-term mobility (via citizenship), but comes with higher  due diligence and scrutiny. MPRP, while cheaper and faster, offers limited rights.

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