The Malta Permanent Residence Programme (MPRP) is one of Europe’s leading residence by investment programmes, offering permanent residence rights in Malta and visa-free travel throughout the Schengen Area. One of the most common questions prospective applicants ask is: how much does the Malta Permanent Residence Programme cost?
In this guide, we provide a complete breakdown of MPRP costs, including administration fees, government contributions, property requirements, health insurance obligations, residence card fees, and additional expenses that applicants should consider before applying.
What is the Cost of the Malta Permanent Residence Programme?
The total cost of an MPRP application varies depending on your family size and whether you’re applying with dependants. In short the costs are €99,000 + property investment. The main fees broken down are as follows:
Administration Fee: €60,000 total
The Malta Permanent Residence Programme requires payment of a €60,000 administration fee.
The payment is divided into two stages:
- Initial non-refundable payment: €15,000 (due within one month of submission of the application)
- Remaining balance: €45,000 (due within two months of Letter of Approval in Principle)
Contribution Fee: €37,000 payable after approval
- Post-approval non refundable contribution of €37,000 covering the main applicant, spouse, and children under 18 who are principally dependent
- Each additional adult dependant: €7,500 extra
Mandatory NGO Donation: €2,000 payable after approval
Applicants are also required to make a €2,000 donation to a registered Maltese non-governmental organisation.
- Must be donated to a registered charitable, cultural, sports, scientific, animal welfare, or artistic organisation.
Health Insurance: €100,000+ minimum per annum
All beneficiaries included in the application must maintain comprehensive health insurance coverage.
The policy must:
- Cover medical treatment in Malta and in the EU
- Provide a minimum annual coverage of €100,000 per beneficiary
A valid health insurance must be maintained throughout participation in the programme.
Residence Card Processing Fees:
- Initial issuance: €500 per person (5-year validity)
- Address changes or lost cards: €50 per card
- Temporary residence card (1-year option): €100 per card
Costs Beyond Government Fees
While the fees above are mandatory governmental fees, several other expenses are essential to budget for:
Property Acquisition or Property Rental: The additional cost is securing a qualifying property. You must own or lease a residential property in Malta within 8 months of receiving your Letter of Approval in Principle.
- Purchase: Minimum €375,000 in a Special Designated Area
- Lease: Minimum €14,000 per annum
The qualifying property must be retained for at least five years following approval under the programme. If the property is bought, this can also be rented out, generating rental income for the applicant.
A Realistic Cost Scenario
Let’s walk through what a typical family application costs:
Family of four: Main applicant, spouse, and two children (both under 18)
| Fee | Cost |
| Administration fee (€60,000) | €60,000 |
| Contribution fee (€37,000) | €37,000 |
| NGO donation | €2,000 |
| Residence card fees (4 cards × €500) | €2,000 |
| Property rental (first year, €14,000/year) | €14,000 |
| Total First-Year Investment | €115,000 exc Health Insurance and Professional Fees |
Payment Methods and Timeline
The Residency Malta Agency accepts bank transfers only. All funds must come directly from the bank account declared in your application. If you’re using a company bank account (because you own the company), you’ll need to provide board authorization and company documentation.
Timeline for Payments:
- €15,000 initial fee: Due within 1 month of application submission
- €45,000 remaining administration fee: Due within 2 months of Letter of Approval in Principle
- €37,000 contribution fee: Due after Letter of Approval, before receiving residence certificate
- €2,000 NGO donation: Due after Letter of Approval, before receiving residence certificate
- Remaining costs (property, health insurance): Must be in place before residence certificate issuance
Is the MPRP Worth the Cost?
The Malta Permanent Residence Programme is widely regarded as one of the most attractive residence by investment programmes in Europe.
Key benefits include:
- Permanent residence rights in Malta
- Visa-free travel throughout the Schengen Area
- Inclusion of multiple generations of family members
- Access to a stable European Union jurisdiction
- Residence in an English-speaking country
- No minimum physical stay requirement to maintain residence status
For investors seeking long-term European residence rather than immediate citizenship, the MPRP compares favourably with other residence programmes available across Europe.
Frequently Asked Questions About MPRP Costs
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How much does the Malta Permanent Residence Programme cost?The Malta Permanent Residence Programme involves a government contribution, a €2,000 NGO donation, residence card fees, and qualifying property and health insurance requirements.
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Can I buy property instead of renting under the MPRP?Yes. Applicants may satisfy the property requirement by purchasing qualifying residential property with a minimum value of €375,000 instead of renting property for at least €14,000 per year.
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Is the €37,000 contribution refundable?No. The government contribution payable under the Malta Permanent Residence Programme is non-refundable. However, upon submission of the application, the applicant only pays a €15,000 non-refundable fee.
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Can parents and grandparents be included in an MPRP application?Yes. Subject to eligibility requirements, parents and grandparents may be included as dependants upon payment of the applicable additional contribution, provided they are financially dependent on the main applicant.
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How long does the MPRP application process take?Processing times vary depending on the complexity of the application and due diligence procedures, but most applications are completed within six to nine months.
Our Malta Permanent Residence Services
ACC is a licensed Maltese immigration firm (Licence No. AKM-ACCA) specialising in the Malta Permanent Residence Programme (MPRP). For over 20 years, our team has assisted hundreds of high-net-worth individuals and families seeking to secure permanent residence in Malta through investment.
Our Malta Permanent Residence Programme specialists provide comprehensive guidance throughout the entire application process, from initial eligibility assessments and due diligence preparation to property selection and submission of the residence application. We advise clients on the legal, tax, and practical aspects of relocating to Malta, ensuring a smooth transition for applicants and their families.
In addition to managing the MPRP application process, we offer tailored relocation support, including assistance with accommodation, healthcare, insurance, education, and settling into life in Malta. Our experienced team will guide you through the programme requirements, expected timelines, and ongoing obligations, providing clear and professional advice at every stage of your journey to obtaining Maltese permanent residence.
