Cyprus Residence by Investment

About

The Cyprus Residence by Investment (RBI) program (commonly called the “Cyprus Golden Visa”) allows non-EU nationals to obtain permanent residence in Cyprus through a qualifying investment. The permit is effectively indefinite (permanent residence status), covers the investor’s immediate family, and is not automatic citizenship — however, permanent residents may later be eligible for naturalisation under Cyprus law. This route is used by high-net-worth individuals seeking a stable European base, favorable tax options, and access to EU-standard living without full-time residence.

Who Can Apply

Requirement

 

Details

 

Eligible nationality

 

Non-EU / Non-EEA / Non-Swiss nationals (third-country nationals).

 

Age / legal capacity

 

Must be at least 18 years old and legally capable.

 

Clean criminal record

 

Applicant (and adult dependents where required) must provide criminal record checks from country(ies) of origin/residence, apostilled/legalised and translated when necessary.

 

Investment minimum

 

€300,000 (plus VAT where applicable) in one of the approved routes (see list below). This amount is the standard threshold used by the Migration Department and professional advisers.

 

Sufficient income / funds

 

Applicants must show secured annual income of at least €50,000 from abroad for the main applicant, with an additional €15,000 for spouse and €10,000 for each dependent child (typical published guidance used by specialists and law firms). Evidence must show lawful, verifiable foreign income or resources.

 

Maintain investment

 

The qualifying investment must be maintained (or replaced with an equivalent qualifying investment) while the permanent residence status is active; proof of ongoing compliance is required for registration and checks.

 

Other documents

 

Valid passport; passport photos; proof of investment (contracts/deeds / share certificates / fund documentation); bank transfers showing funds from abroad; criminal records; evidence of secured annual income; apostilles and translations as needed.

 

Approved Investment Routes

You may meet the €300,000 threshold by one (or a combination) of the following (funds must come from abroad and cannot be borrowed locally):

  • Residential property — purchase one or more new homes (apartments or villas) with total value ≥ €300,000 (plus VAT where applicable). Typically this route expects purchases from a developer and compliance with VAT rules.

  • Commercial / non-residential real estate — offices, retail units, hotels, or mixed-use developments (new or in some cases used) meeting the threshold.

  • Shares in a Cyprus company — investment in an active Cyprus-registered company (often with a physical presence in Cyprus and local employment — e.g., employing at least five people, per common program guidance).

  • Units in regulated investment funds — units of AIFs/RAIFs or CySEC-regulated funds domiciled in Cyprus, meeting the minimum investment.

Benefits

  • Permanent status: The permit grants permanent residence (indefinite residence status), typically issued quickly when documents and investment meet the rules.

  • Family inclusion: Spouse and dependent children (commonly up to age 25 if unmarried and financially dependent) can be included; dependent adults with disabilities may also qualify under special conditions.

  • Low residency burden: No full-time residence requirement; at minimum holders must visit Cyprus periodically (commonly interpreted as at least once every two years) to maintain status.

  • Path to citizenship: Permanent residents may become eligible for naturalisation (citizenship) after the applicable legal residence period and meeting other naturalisation criteria (this is not automatic and requires meeting statutory conditions). Many guides note a typical pathway toward naturalisation after several years of residence (confirm current naturalisation rules when planning).

Tax advantages & lifestyle: Cyprus has attractive tax regimes (e.g., non-dom regimes for newcomers, favorable treatment of foreign income in many cases), Mediterranean climate, good services, and EU stability. Confirm tax treatment with a Cyprus tax advisor.

Real-Life Example (Hypothetical)

Mr. Li, businessman from China — invests €320,000 in a new two-unit residential development in Limassol (purchase from a licensed developer), shows secured foreign annual income ≥ €50,000, includes spouse and 22-year-old university daughter. He obtains permanent residence, makes periodic visits (at least every two years), and later evaluates naturalisation after meeting residence/integration conditions.

Frequently Asked Questions

Does this program allow me to work in Cyprus?

No — the permanent residence by investment does not automatically allow salaried employment with unrelated Cypriot employers. You may serve as director/shareholder of your own company and receive dividends/profits. Always check specific employment limits with immigration counsel.

Must I live in Cyprus full time?

No. There is no full-time residence requirement; holders must visit periodically (commonly at least once every two years) to keep the status active.

Can I include my family?

Yes. The spouse and dependent children (usually up to 25, unmarried and financially dependent) may be included; dependent adults with disabilities may also be included.

How long until I receive the residence permit?

Official processing times are often 2–3 months for a properly prepared application, but practical timelines (document preparation, due diligence) often make the end-to-end process longer.

What happens if I sell the investment?

You must maintain a qualifying investment while holding permanent residence under the RBI rules. Selling without reinvesting in another qualifying asset may jeopardise your status — reinvestment into an equivalent approved asset is typically the remedy. Confirm specifics with Cypriot authorities or counsel.