Citizenship by Investment 2014

Citizenship 

by Investment 2014 

الجنسية بواسطة الإستثمار 

2014 Country Profiles | Residency | Golden Visa | Investor Programmes 

برامج المستثمرين | ي ز الفا الذهبية | الإقامة | بيانات الدول 

www.citizenshipinvestment.org 

CbI PUBLICATION.indd 1 19/09/2014 09:32


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Introduction 

Contents 

Welcome to the 2014 edition of 

Citizenship by Investment, your 

resource-packed and informative 

guide to citizenship and residency options, 

this edition is specially aimed at Middle East 

nationals. 

There is a rising trend of applicants especially 

investors of middle east origin for Citizenship / 

Residents by Investment programme. People 

from the Middle East are often limited in travel 

and business in Western countries, especially 

if their country faces political and economic 

turmoil therefore more middle east investors 

seek to park their money with the added benefit 

of citizenship, business interest plus the visa-free 

travel perks. 

Economic citizenship, also known as second 

citizenship or citizenship by investment, has 

become a buzzword among Arab’s growing 

number of high net worth individuals, for 

whom embarking on a new life abroad is an 

opportunity that often brings enormous social 

and financial benefits. 

Property is the primary foothold for Middle East 

nationals seeking the right to reside overseas 

and, potentially, the highly desirable passport 

that a few years in the country awards them. The 

fact that the market is thriving bodes extremely 

well for these future residents and wealthy Arab’s 

have more reason than ever to purchase homes 

abroad. While it certainly isn’t an inexpensive 

path to second citizenship, few would deny that 

investing in a stable economy, strong currency 

and resilient property market, while benefitting 

from an absence of capital gains tax, may be the 

best decision wealthy Arabs will ever make. 

We hope you find the information useful and we 

encourage you to look at our supporting website 

www.CitizenshipInvestment.org which brings 

a wealth of information about various country 

programs, whether they provide full citizenship or 

residency visa (allowing Schengen Zone access), 

articles about the benefits of dual citizenship 

together with a selection of professional 

organisations and services who can assist with 

your requirements. Articles and programs are in 

English and Arabic, summarised in Chinese and 

Russian. 

CitizenshipInvestment.org also looks at the 

more unusual areas of luxury lifestyle and the 

finer things in life with profiles on high-end 

luxury products and bespoke services from 

some of the world’s most prestigious brands. 

Please feel free to browse through the 

site, register your alternative citizenship 

requirements, order the magazine and contact 

our selected service partners direct. 

Overview of 

citizenship by investment programme 4 

Virtues of European Programmes: 

Citizenship v Residence 8 

Citizenship as a family asset 10 

Why Real Estate is the Investment 

of Choice for Global Citizens 14 

Customer Due Diligence 18 

Antigua and Barbuda 20 

Dominica 28 

Grenada 32 

St Kitts & Nevis 36 

Malta 41 

Portugal 47 

Spain 56 

Cyprus 60 

Canada 65 

Isle of Man 69 

Mauritius 74 

Latvia 76 

مرحبا بكم ي طبعة عام 2014 عن المواطنة ب ع‏ الستثمار،‏ دليلكم 

الخاص الملي ء بالمصادر والمعلومات عن كل خيارات الإقامة والمواطنة 

لديكم،‏ وتستهدف هذه الدورة خصيصا ي ن المواطن‏ ي ش الق أ الوسط.‏ 

هناك اتجاها ت ز مايدا من ي ن المتقدم‏ وخاصة المستثمرين من أصول ش الق 

الوسط من أجل المواطنة / الإقامة من قبل برنامج الستثمار.‏ ي ي كث‏ من 

أ 

الحيان الناس من ش الق أ الوسط محدودة ي السفر والعمل ي الدول 

أ 

الغربية،‏ وخاصة إذا تواجه بالدهم الضطرابات السياسية والقتصادية 

بالتاىلي يسعى ث أك‏ المستثمرون ي ش الق أ الوسط إىل تحويل أموالهم مع 

فائدة إضافية تتمثل ي المواطنة،‏ ومصلحة تجارية بالإضافة إىل المتيازات 

كالسفر بدون ي تأشة.‏ 

المواطنة القتصادية،‏ والمعروفة أيضا باسم المواطنة أو الجنسية الثانية 

عن طريق الستثمار،‏ أصبحت الكلمة الطنانة ي ن ب‏ عدد من أ الفراد العرب 

من أصحاب ث الوات ت ز المايدة،‏ الذين يبحثون عن حياة جديدة ي الخارج 

كفرصة غالبا ما تجلب منافع اجتماعية ومالية هائلة.‏ 

الممتلكات هي موطئ القدم ال ي أ ساس ي ن لمواط‏ ش الق أ الوسط الباحثون 

عن الحق ي الإقامة ي الخارج،‏ وجواز السفر المرغوب فيه جدا بعد بضع 

سنوات من الإقامة ي البالد.‏ حقيقة أن السوق مزدهرة تب‏ ي بالخ‏ للغاية 

لهؤلء السكان ي المستقبل أ والثرياء العرب لديهم ث أك‏ من سبب من أي 

وقت م‏ ش لاء منازل ي الخارج.‏ ي ي ن ح‏ أنه هو بالتأكيد ليس مسارا 

 

ف 

ي غ‏ مكلف للحصول عل الجنسية الثانية،‏ فإن قلة ينكرون أن الستثمار ي 

اقتصاد مستقر،‏ وعملة قوية ومرنة والسوق العقارية،‏ مع الستفادة من 

عدم وجود ‏يبة أ الرباح الرأسمالية،‏ قد يكون أفضل قرار سوف يأخذه 

الثرياء العرب من أي وقت م‏ 

أ 

نأمل أن تجدوا معلومات مفيدة ونحن نشجعكم عل إلقاء نظرة عل 

الذي يجلب www.CitizenshipInvestment.org موقعنا عل ت الننت 

ثروة من المعلومات حول ب الامج المختلفة،‏ سواء ي ت ال‏ تقدم المواطنة 

الكاملة أو ي تأشة الإقامة ‏)السماح بالوصول لمنطقة شنغن(،‏ مقالت عن 

فوائد الجنسية المزدوجة مع مجموعة مختارة من المنظمات والخدمات 

المهنية ي ت ال‏ يمكن أن تساعدك مع الحتياجات الخاصة بك.‏ المقالت 

ب والامج ي ن باللغت‏ العربية ي ز والإنجلية،‏ ملخصة بالصينية والروسية.‏ 

أيضا ينظر إىل مناطق ث أك‏ غرابة من نمط CitizenshipInvestment.org 

الحياة الفاخر أ والشياء الدقيقة ي الحياة مع التشكيالت عل المنتجات 

الفخمة الراقية والخدمات المصممة خصيصا من بعض من ث أك‏ العالمات 

التجارية المرموقة ي العالم.‏ 

الجنسية 

ف 

ل ت تدد ي تصفح الموقع،‏ وتسجيل المتطلبات الخاصة بك ي 

البديلة،‏ وأن تطلب المجلة والتصال ش بكاء الخدمة الخاصة بك ش مباة.‏ 

ض . 

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Citizenship by Investment / 3 


Overview of citizenship by investment 

programme: 

The citizenship by investment programme 

allows you and your immediate family the 

opportunity to purchase a new nationality 

in exchange for investing a significant sum of 

money into the countries’ economy or other 

specific assets. The process can be completed 

quickly and easily and is completely legal. 

Within as little as six months and without even 

stepping foot in the country of choice, you can 

be granted a fresh citizenship status that will 

allow you to access parts of the world that were 

previously restricted or completely unavailable. 

In the wake of economic crisis and the expansion 

of global business, many governments are 

now opening their borders to the citizenship 

by investment programme. Initially launched 

in1984 by the tiny Caribbean islands of St Kitts 

and Nevis, the programme has opened up 

many pathways to Middle Eastern investors 

seeking opportunities across Europe and 

beyond. Recognising the success that has been 

achieved, other countries are now following in 

the footsteps of the Caribbean islands as they 

too, search for new investors that can help 

stabilize and develop their economies. 

Although the programme is by no means a 

new solution to encourage economic growth, 

it is quickly becoming a favourable compromise 

to satisfy the demands of both governments 

searching for investment and individuals 

wishing to take on a global citizenship status. 

At first glance it may be unclear as to all the 

major benefits to seeking global citizenship 

through multiple nationalities, but there are 

many advantages to be gained through what 

can be a relatively simple process. 

There are both humanitarian and financial 

profit to be made through the citizenship by 

investment programme. Proving to be especially 

valuable to high net individuals who require 

regular international business travel and those 

from regions mired by turmoil. 

Investment programmes are proving particularly 

popular with citizens from the Middle East, 

at last giving Arabs and Iranians the freedom 

to move across International borders without 

the complications they have faced in the past, 

allowing regular travel at short notice and the 

convince to travel visa free. 

With a second passport restrictions on travel or 

long delays due to jurisdictional issues can be 

completely eradicated. For citizens of countries 

where there is social or political unrest, access 

to another passport can be especially vital when 

making travel in and out, or around the country. 

But not only is travel less complicated, most 

importantly it is regarded to be much safer. 

With a second passport 

restrictions on travel or long 

delays due to jurisdictional 

issues can be completely 

eradicated. 

Business executives and high net citizens, 

for whom international travel is imperative, 

encountering complications and delays whilst 

travelling can be costly. Citizenship and a 

passport from small and peaceful countries such 

as Antigua and Barbuda who have close ties with 

the United Kingdom, and will not only allow an 

individual and their immediate family members 

to travel out of the country if required, but will 

also act as a form of protection whilst travelling. 

Of course, there are more than just safety 

benefits to be had from joining an evergrowing 

number of global citizens who enjoy 

the freedom of dual nationality. Alternative 

citizenship also offers individuals a whole host 

of opportunities for reducing their taxation 

profiles and with many countries now placing a 

high tax levy on non-residents, tax planning has 

become more important than ever before. Tax 

breaks such as tax-free income and zero tax on 

wealth, dependant on the country of citizenship, 

increases options for international tax planning 

and allows for more privacy with banking and 

investments. In addition, because investors are 

able to keep their original citizenship, and the 

nature of the worlds ever changing economic 

and political environment, investors shouldn’t 

fail to recognize that obtaining a legal second 

citizenship is a real opportunity for investment 

into future generations. 

Citizenship by investment programmes come in 

all shapes and sizes, with each country placing 

their own personal stamp on what is required to 

become recognized as a citizen. These will often 

include routes through business investment, 

investment into a national development fund or 

the purchase of real estate. Although all these 

options will give investors legal citizenship, it is 

only through real estate investment that they 

will have the additional potential of generating 

extra revenue with future capital gain. 

Programmes can vary drastically, from the 

relatively cheap St Kitts that requires a minimum 

charity donation of $250,000 US dollars or a 

$400,000 real estate investment. Right through 

to the top end of the scale where individual 

investors can expect to pay up to $5 million US 

dollars in return for Australian citizenship and 

government bonds. 

For many countries investment alone is enough 

to secure citizenship, however for others it is 

just the beginning. While some require a term 

of residency others will initiate background 

checks and even cultural tests and interviews 

before citizenship can be completed. These 

extra procedures such as obligatory periods of 

residence can also be accompanied by additional 

tax revenue or the creation of employment 

opportunities for nationals. However, in some 

instances these residency periods can become 

circumstantial if a significant investment is 

agreed upon. In fact, most countries across 

the globe will facilitate citizenship if the sum is 

substantial enough to impact on the country’s 

society, economy, sports or culture. This type of 

investment can, at the countries discretion, lead 

to the exclusion of other criteria, including that 

of long-term residence. 

With the right amount of investment and 

negotiation it is possible to gain citizenship 

wherever you require it, but without doubt, 

some countries are much more stringent with 

their laws and regulations. Nonetheless, if you’re 

able to remove all the complexities and the 

bureaucracy that is suppressing your business or 

threatening the safety of your family, then surely 

it’s worth taking the extra time to investigate 

into the possibility of a second citizenship. 




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نظرة عامة عىل المواطنة من خالل برنامج 

االستثمار:‏ 

 

ي أ العمال التجارية،‏ والستثمار ي صندوق التنمية الوطنية أو ش ‏اء 

العقارات.‏ عل الرغم من كل هذه الخيارات سوف تعطي المستثمرين 

المواطنة قانونية،‏ ما هي ال من خالل الستثمار العقاري أنه سيكون 

لديهم إمكانات إضافية لتوليد إيرادات إضافية مع زيادة رأس المال 

المستقبل.‏ 

يمكن ب للامج أن تختلف اختالفا جذريا،‏ من سانت كيتس الرخيصة نسبيا 

ي ت وال‏ تتطلب الحد أ ال ن د‏ من ب التع ي الخي دولر $ 250000 أو 400،000 

دولر الستثمار العقاري,‏ ي ت ح‏ يمكن للمستثمرين أ الفراد توقع دفع 

ما يصل إىل 5 ي ن مالي‏ دولر أمريكي ي مقابل السندات الحكومية والمواطنة 

ت السالية.‏ 

الستثمار 

المواطنة من خالل برنامج الستثمار يسمح لك ولعائلتك الفرصة ش لاء 

جنسية جديدة ي مقابل استثمار مبلغ ي كب‏ من المال ي اقتصاد البلدان 

أو ي غها من أ الصول,‏ يمكن أن تكتمل العملية بعة وبسهولة وقانونيا 

بشكل كامل,‏ ي غضون اقل من ستة أشهر،‏ ت وح‏ من دون زيارة البلد 

الذي ستختاره,‏ يمكنك أن تمنح المواطنة جديدة ي ت وال‏ من شأنها أن تسمح 

لك بالوصول إىل أجزاء من العالم كانت ممنوعة سابقا ي أوغ‏ متوفرة كليا.‏ 

أ العمال التجارية العالمية,‏ 

ف 

ي أعقاب أ ال زمة القتصادية والتوسع ي 

العديد من الحكومات آ الن تفتح حدودها أمام برنامج المواطنة عن 

طريق الستثمار,‏ انطلقت ي عام 1984 من قبل الجزر ي الصغة الواقعة 

ي ب ي الكاري‏ من سانت كيتس.‏ 

 

ف 

ونيفيس,‏ وقد فتح ب النامج العديد من مسارات تصل إىل المستثمرين ي 

ش الق أ الوسط ي ن الباحث‏ عن فرص ي جميع أنحاء أوروبا وخارجها,‏ إدراكا 

للنجاح الذي تم تحقيقه,‏ فإن بلدانا أخرى تتبع آ الن خطى جزر ب ي الكاري‏ 

لنها أيضا تبحث عن مستثمرين جدد يمكن أن يساهموا ي تحقيق 

أ 

الستقرارها وتطوير اقتصاداتها.‏ 

ي العديد من البلدان وحده يكفي ي ن لتأم‏ المواطنة،‏ ولكن 

بالنسبة آ لالخرين هو مجرد بداية.‏ ي ي ن ح‏ أن البعض تتطلب مدة إقامة 

الخرين بدء تحريات ت وح‏ الختبارات والمقابالت الثقافية قبل يمكن 

آ 

أن تكتمل المواطنة,‏ ويمكن أيضا أن هذه الإجراءات اضافية مثل ت فات 

إلزامية لالإقامة تكون مصحوبة إيرادات ‏يبية إضافية أو خلق فرص 

العمل ي ن للمواطن‏ . ومع ذلك،‏ ي بعض الحالت ت فات الإقامة هذه يمكن 

أن تصبح ظرفية إذا تم التفاق عل استثمارات ي كبة عليها.‏ ي الواقع،‏ 

فإن معظم البلدان ي جميع أنحاء العالم تسهل المواطنة إذا كان المبلغ 

هو ي كب‏ بما يكفي ليؤثر عل المجتمع ي البالد،‏ والقتصاد،‏ والرياضة أو 

الثقافة.‏ يمكن لهذا النوع من الستثمار،‏ بناء عل تقدير البلدان،‏ يؤدي إىل 

استبعاد ي المعاي‏ أ الخرى،‏ بما ي ذلك الإقامة الطويلة أ الجل.‏ 

مع الكمية المناسبة من الستثمار والتفاوض فمن الممكن الحصول عل 

المواطنة أينما تتطلب ذلك،‏ ولكن من دون شك،‏ فإن بعض البلدان ث أك‏ 

‏امة مع ي ن القوان‏ أ والنظمة الخاصة بهم.‏ ومع ذلك،‏ إذا كنت قادرا 

عل إزالة كل التعقيدات ي والبوقراطية ي ت ال‏ تقمع عملك أو تهدد سالمة 

عائلتك،‏ فمن المؤكد أنه يستحق أخذ الوقت ي الضا‏ للتحقيق ي احتمال 

وجود المواطنة الثانية.‏ 

 

 

عل الرغم من أن ب النامج هو ليس بأي حال من أ الحوال حال جديدا 

لتشجيع النمو القتصادي,‏ فإنه ‏عان ما اصبح حال وسطا لتلبية مطالب 

كل من الحكومات ي ت ال‏ تبحث عن الستثمار أ والفراد ي ن الراغب‏ ي توىلي مكانة 

المواطنة العالمية.‏ 

للوهلة أ الوىل قد يكون ي غ‏ واضح للجميع الفوائد الرئيسية للمواطنة 

العالمية من خالل امتالك جنسيات متعددة,‏ ولكن هناك العديد من 

المزايا ي ت ال‏ يمكن الحصول عليها من خالل ما يمكن أن يكون عملية بسيطة 

نسبيا.‏ 

ي يمكن أن تكتسب من خالل 

هناك عل حد سواء أرباح إنسانية ومالية ال‏ ت 

المواطنة من خالل برنامج الستثمار,‏ وهو ما يثبت انها ذات قيمة خاصة 

إىل ال أ فراد الذين يحتاجون اىلي السفر للقيام بال أ عمال التجارية الدولية 

والذين يأتون من مناطق مليئة بالضطرابات.‏ 

برامج الستثمار تثبت شعبية خاصة مع ي ن المواطن‏ من ش الق أ الوسط،‏ 

ي بأخا إعطاء العرب ي ن والإيراني‏ حرية التحرك ب ع‏ الحدود الدولية دون 

المضاعفات ي ت ال‏ واجهوها ي ي ض الما‏ , السماح بالسفر العادي ي وقت 

ي قص‏ وراحة ي السفر بدون ي تأشة,‏ القيود المفروضة عل السفر أو 

ي التأخ‏ ت لفات طويلة بسبب ي ن قوان‏ البالد المختلفة يمكن القضاء تماما 

عليها بجواز سفر ثان,‏ ي ن للمواطن‏ من البلدان ي ت ال‏ يوجد فيها اضطرابات 

اجتماعية أو سياسية،‏ الحصول عل جواز سفر آخر يمكن أن يكون حيوي 

وخاصة عند إجراء السفر داخليا وخارجيا,‏ ولكن ليس فقط السفر أقل 

تعقيدا،‏ ولكن أ الهم من ذلك ب يعته ي الكث‏ ث أك‏ أمنا.‏ 

رجال أ العمال ي ن والمواطن‏ أ الثرياء،‏ الذين لهم السفر الدوىلي أمر حتمي،‏ 

ويواجهون تعقيدات ي وتأخات أثناء السفر يمكن أن تكون مكلفة,‏ المواطنة 

وجواز سفر من دول ي صغة وسلمية مثل أنتيغوا وبربودا الذين لديهم 

عالقات وثيقة مع المملكة المتحدة سوف تسمح ليس فقط للفرد أ ولفراد 

عائالتهم المباين بالسفر خارج البالد إذا لزم أ المر،‏ ولكن أيضا بمثابة 

شكل من أشكال الحماية أثناء السفر.‏ 

بطبيعة الحال،‏ هناك ث أك‏ من فوائد السالمة لالنضمام اىل عدد ت ز مايد 

من ي ن المواطن‏ ي ن العالمي‏ الذين يتمتعون بحرية جنسية مزدوجة,‏ كما 

تقدم المواطنة البديلة أ لالفراد مجموعة كاملة من فرص خفض ض الائب 

الشخصية ومع العديد من البلدان آ الن تضع جباية ض الائب العالية عل 

ي غ‏ ي ن المقيم‏ ، فقد أصبح التخطيط ال‏ ب ي ي‏ ث أك‏ أهمية من أي وقت 

م‏ . العفاءات اليبية مثل الدخل المعفاة من ض الائب ويبة 

الصفرعل ث الوة,‏ يعتمد عل بلد المواطنة،‏ والخيارات لزيادة التخطيط 

ال‏ ب ي ي‏ الدوىلي ويسمح لمزيد من الخصوصية مع البنوك والستثمارات.‏ 

بالإضافة إىل ذلك،‏ أ لن المستثمرين قادرون عل الحفاظ عل المواطنة 

الصلية،‏ وطبيعة العالم ي المتغة البيئة القتصادية والسياسية،‏ يجب أن 

أ 

ل يفشل المستثمرين أن يدركوا أن الحصول عل المواطنة الثانية هي 

فرصة حقيقية لالستثمار ي أ الجيال القادمة.‏ 

جميع أ الشكال أ والحجام،‏ مع 

ف 

المواطنة من خالل برامج الستثمار تأ‏ ي 

كل بلد تضع الطوابع الشخصية الخاصة بهم عل ما هو مطلوب لتصبح 

ي 




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Virtues of European Programmes: 

Citizenship v Residence 

Made up of twenty-seven states the 

European Union is a multicultural hive 

of business activity. It’s true that the 

economy may have suffered slightly over recent 

years and may not be quite at its full strength 

right now, but the longterm potential growth 

that Europe has to offer is clear for all to see. This 

is why so many high net worth investors are 

seeking to gain either residency or citizenship 

through investment programmes that open up 

a whole host of opportunities that stretch far 

beyond just financial benefits. 

INVESTING IN CITIZENSHIP AND 

RESIDENCE 

In many European countries investment alone 

isn’t enough to secure citizenship, it can however 

grant residence and later lead to citizenship after 

a qualifying period. There are some instances 

however, that forgo these mandatory residency 

periods; Bulgaria for example does require a 

residence period, but it doesn’t require it to be a 

physical one. 

Individuals are able to choose the investment 

programme and country that best suits their 

needs and become either residents or citizens of 

their chosen nation. Although be warned that not 

all European nations will allow dual citizenship, 

instead some require individuals original 

citizenship to be surrendered in return, but with 

so many options available to investors this can 

easily be overcome. This leaves high net worth 

investors with the ability to become residents 

or even dual citizens within a European county 

within the space of just a few short months. 

CITIZENSHIP v RESIDENCY 

One of the toughest decisions that befall 

individuals is whether to opt for residency or 

citizenship. It can sometimes be difficult for 

people to understand the fundamental difference 

between these two legal statuses and the rights 

they have, after all, being a “resident” and a “citizen” 

of a certain country is very different. 

Permanent residents do receive many of the 

same benefits as citizens, such as conditional 

tax exemption on world income, simple travel 

within EU countries and easier access to visas for 

non-EU destinations and even free healthcare. 

However, they are not eligible to vote in federal 

or provincial elections and residency can be 

revoked if convicted of a criminal offence. 

Citizenship on the other hand, is for life and cannot 

be withdrawn unless there is substantial evidence 

of a crime against the state. Becoming a citizen 

acknowledges individuals as legal members 

of the nation and entitles individuals to the full 

expanse of rights, privileges, and responsibilities 

defined by European law. These include political 

rights, employment and unemployment benefits, 

pensions and access to education and healthcare 

for individuals and their family. 

BECOMING A EUROPEAN CITIZEN 

European passports and dual citizenships are 

highly sought after among high net worth 

individuals and there are many advantages 

to joining one of the many thriving European 

countries. With European citizenship investors 

can enjoy international mobility that can include 

almost two hundred countries across the globe 

and the ability to travel visa-free. Employment 

and residential mobility is also less complex with 

issues concerning immigration and restrictions 

to travel across Europe being completely 

eradicated. Tax incentives and regulations 

towards investor’s privacy are also valuable assets 

to individuals who take citizenship; EU laws give 

them freedom to practice their business across 

the EU without complication. However, perhaps 

one the most valuable assets of all is admission 

to some of the world’s finest healthcare, which 

in some instances is free of charge, and access 

to many of the worlds most famous and sought 

after educational facilities which are spread across 

many of Europe’s most influential cities. 

فضائل ب الامج أ اال وروبية:‏ الجنسية ضد االإ قامة 

تتكون من سبعة وعين دولة،‏ التحاد أ ال ب ي ورو‏ هو خلية متعددة 

الثقافات من النشاط التجاري.‏ صحيح أن القتصاد ربما يكون قد عا‏ 

ي السنوات أ ال ي خة وقد ل تكون بقوامها الكامل ي الوقت الراهن،‏ 

ولكن النمو المحتمل عل المدى البعيد ي ت ال‏ تعرضه أوروبا هو واضح 

للجميع.‏ ولكن هذا هو السبب ي ي الكث‏ من المستثمرين ذوي الإ رادات 

المالية العالية يسعون للحصول عل الإقامة أو المواطنة سواء من خالل 

برامج الستثمار ي ت ال‏ تفتح مجموعة كاملة من الفرص ي ت ال‏ تمتد إىل ما هو 

أبعد من الفوائد المالية فقط.‏ 

الجنسية االوروبية 

أن تصبح مواطن ب ي أورو‏ بجوازات سفر وجنسيات أوروبية مزدوجة 

مطلوبة جدا ي ن ب‏ أ الفراد أ الثرياء،‏ وهناك العديد من المزايا لالنضمام اىل 

واحدة من العديد من الدول أ ال وروبية المزدهرة،‏ ويمكن للمستثمرين مع 

المواطنة أ ال وروبية التمتع بالحركة الدولية ي ت ال‏ يمكن أن تتضمن ما يقرب 

من مائة دولة ي جميع أنحاء العالم،‏ والقدرة عل السفر بدون ي تأشة.‏ 

والعمل والتنقل ي ن السك‏ هو أيضا أقل تعقيدا مع القضايا المتعلقة 

بالهجرة والقيود عل السفر ي جميع أنحاء أوروبا يجري استئصالها تماما،‏ 

الحوافز اليبية واللوائح تجاه خصوصية المستثمرين هي أيضا من 

الصول القيمة أ لالفراد الذين يأخذون المواطنة،‏ ي ن قوان‏ التحاد أ ال ب ي ورو‏ 

أ 

تعطيهم حرية ممارسة أعمالهم ي جميع أنحاء التحاد أ ال ب ي ورو‏ دون 

تعقيد.‏ ومع ذلك،‏ ربما يكون واحدا من أ الصول أ ال ث ك‏ قيمة من ذلك كله 

هو القبول ي بعض من أفضل رعاية صحية ي العالم،‏ ي ت وال‏ ي بعض 

الحالت هي مجانا،‏ والحصول عل ي كث‏ من العوالم أ ال ث ك‏ شهرة ورواجا 

بعد المرافق التعليمية ي ت ال‏ ش تنت‏ ب ع‏ العديد من المدن أ ال وروبية أ الك‏ 

ي تأثا.‏ 

قليال 

االستثمار 

ي الجنسية واالإ قامة 

الستثمار وحده ل يكفي ي ن لتأم‏ الجنسية ي العديد من البلدان أ ال وروبية،‏ 

ومع ذلك فإنه يمكن منح الإقامة ي و‏ وقت لحق يؤدي إىل الجنسية بعد 

ت فة التصفيات.‏ هناك بعض الحالت مع ذلك،‏ أن تتخل عن ت فات 

الإقامة الإجبارية؛ بلغاريا عل سبيل المثال تتطلب ت فة إقامة،‏ ولكنها 

ل تتطلب أن يكون الواحدة البدنية.‏ أ الفراد القادرين عل اختيار برنامج 

الستثمار والبلد ي ت ال‏ تناسب احتياجاتهم _ وأن يصبحون إما ي ن مقيم‏ 

أو ي ن مواطن‏ أ المة ي ت ال‏ يختارونها.‏ عل الرغم من أن _ ليس كل الدول 

ال وروبية تسمح بازدواج الجنسية،‏ بدل من ذلك بعض أ الفراد تتطلب 

أ 

الصلية إىل أن تستسلم ي المقابل،‏ ولكن مع ي الكث‏ من الخيارات المتاحة 

أ 

للمستثمرين وهذا يمكن بسهولة التغلب عليها.‏ هذا ت يك المستثمرين 

ذوي الإ رادات المالية العالية مع القدرة عل أن تصبح ي ن مقيم‏ أو ح‏ 

مساحة بضعة 

ف 

ي ن مواطن‏ ذوي الجنسية المزدوجة ي الإقليم أ ال ب ي ورو‏ ي 

أشهر ي قصة.‏ 

المواطنة مقابل االإ قامة 

واحد من أصعب القرارات ي ت ال‏ تصيب أ الفراد هو ما إذا كان سيختار 

الحصول عل الإقامة أو المواطنة.‏ يمكن أن يكون أحيانا من الصعب عل 

الناس أن يفهموا الفرق ال ي أ ساس ي ن ب‏ هذين الوضعان القانونيان ي ن الثن‏ 

ي ء،‏ كون ‏“مقيم”‏ و ‏“المواطن”‏ من بلد ي ن مع‏ 

والحقوق لديهما،‏ بعد كل سش 

هو مختلف جدا.‏ ي ن المقيم‏ ي ن الدائم‏ ل تتلقى العديد من نفس المزايا 

ي ن للمواطن‏ ، مثل الإعفاء ال‏ ب ي ي‏ عل الدخل ش موطة العالمية،‏ والسفر 

داخل دول التحاد أ ال ب ي ورو‏ ببساطة وسهولة الحصول عل ي تأشات 

لجهات خارج التحاد أ ال ب ي ورو‏ ت وح‏ الرعاية الصحية المجانية،‏ ومع ذلك،‏ 

فهم ل يحق لهم التصويت ي النتخابات التحادية أو الإقليمية،‏ ويمكن 

إلغاء الإقامة هذه إذا أدين بارتكاب جريمة جنائية.‏ المواطنة من ناحية 

أخرى،‏ هي مدى الحياة ول يمكن سحب ما لم يكن هناك أدلة قوية 

عل جريمة ضد الدولة.‏ يصبح مواطنا يقر أ الفراد كأعضاء قانونية للدولة 

ويخول أ لالفراد إىل فسحة كاملة من الحقوق والمتيازات،‏ والمسؤوليات 

ي ت ال‏ يحددها القانون أ ال ب ي ورو‏ . يشمل هذا الحقوق السياسية والعمل 

وإعانات البطالة والمعاشات والحصول عل التعليم والرعاية الصحية 

لالفراد وأهم.‏ 

أ 



Interview with Robin Pitcher - 

Head of Private Clients 

at Consilium Trust 

Q: What are Consilium Trust’s competitive 

strengths and what makes Consilium 

different from many other trust companies? 

A: Consilium’s focus is to provide ultra high 

net worth private clients with high quality, 

bespoke independent appraisals of their varied 

circumstances and the delivery of financial 

solutions. 

Our experience and strong links with an array 

of intermediaries and expert advisors, results 

in truly independent and exceptional all-round 

service for our clients. We pride ourselves on 

our “personal touch” allowing us to be a Trusted 

Advisor for our clients now, and in the years and 

generations to come. 

In addition, we always seek to provide 

“added value” by understanding in detail our 

clients’ wealth and business profiles and look 

to pro-actively introduce complementary 

opportunities as they arise. 

We do also offer a 24 hour service where clients 

are able to contact us at any time to assist 

them in the safekeeping and running of their 

affairs. In addition, all of our clients have their 

own bespoke fee structuring which we discuss 

in full with them at outset which normally 

involves a fixed annual fee so there is no “time 

spent” element to our costs and both sides 

know where they are from outset which also 

enables us to have no time limit on the length 

of our meetings. 

Q: One of your core strengths is acting as 

Trustees, but Consilium is known also for a 

wide range of other services. Tell us more 

about it. 

A: With the flexibility that trust structures 

offer, it often means we are asked to set up 

structures to hold a wide variety of assets. We 

often make investments in real estate, artwork 

and yachts. We also run structures that require 

the need to hold family owned businesses that 

for administrational efficiency need to be held 

with the family’s structure. 

We also guide families on the best banking 

arrangements and investment managers 

through our many relationships and we can also 

help significantly on the cost of financial services 

companies especially in the world of portfolio 

management, insurance and cash management. 

Q: How much of a niche is your target 

market? Is it strictly top-tier? 

A: Each one of the structures we administer 

is bespoke and reflects our clients’ unique 

circumstances. They include trusts, companies, 

limited partnerships and foundations, which 

hold a wide variety of asset classes. 

Personal touch is at the forefront of everything 

we do. Because of this we invest time in 

understanding our client’s position, thereafter 

liaising with their and our advisors (as 

appropriate) to ensure optimal cost effective 

solutions are found and implemented. 

Q: High Net Worth families face an ever 

increasing set of challenges managing their 

wealth across generations. Do you see any 

trends in how to address these challenges 

and what are your experiences? 

A: We are seeing the need more and more 

for the better coordination of the collation and 

safe holding of a family’s assets if a variety of 

assets can be held within one structure and by 

one administrator. This can help enormously in 

both the recording of exactly what assets are 

held by one family at any given time and also 

it has also proved to be a highly efficient way 

of constantly monitoring the performance of 

the assets in terms of enhancing the family’s 

wealth. Many families, through holding their 

assets sporadically across multiple service 

providers also end up spending far more than 

they should on the various providers costs 

which can seriously damage the performance of 

the family’s wealth quite rapidly. A recent article 

stated that the average family of USD100 million 

net worth that does not manage and collate 

their wealth in this manner on average sees their 

wealth diminish to 13% of the initial sum by the 

third generation. 

Q: As the demand has grown amongst 

wealthy Arab families from the Gulf region 

for a better safekeeping of their assets, how 

would they actually go about using your 

services? 

A: Usually first contact with the clients will 

be by email or phone for an initial consultation. 

We would then seek to organise a face to face 

meeting with the interested party. This meeting 

can be as short or as long as the client requires 

and is sometimes carried out over several days 

depending on the nature of their needs and is 

not charged for by Consilium in terms of any 

time spent. 

Q: Succession Planning is an important 

aspect amongst wealthy Arab families, what 

is your first advice when you meet up with 

your clients addressing this issue? 

A: Most of our structures are set up for 

succession planning reasons. My first advice is 

always to take your time which is why our initial 


meetings can take several days to ensure that 

the wishes of the clients are discussed and that 

every eventuality and detail are considered 

with regard to all the family members 

associated with the structure and indeed the 

best way of how the trust fund should be 

administered both now and in the decades 

to come to ensure the trust fund is enhanced 

throughout its lifetime and at the same time 

enjoyed in the correct way by the beneficiaries. 

Q: Let’s talk about multi-jurisdictional 

entities and their laws, what advice do you 

give your clients when they take on your 

services and what are the advantages? 

A: When required, we seek both tax and 

legal advice through a wide network of advisors 

that are known to us. The typical advantages 

that we see through our structures are that 

they provide a very flexible and safe way of 

ensuring succession planning can be allowed 

for in a very confidential and safe environment 

in both a cost and tax efficient way. In an 

increasingly unstable world both politically and 

economically Guernsey is one of the world’s 

major financial international centres and its 

political and economical stability has made it 

an attractive home for hundreds of banks, fund 

managements companies and other financial 

professionals. Guernsey prides itself on being 

at the forefront of financial regulation and 

investor protection. 

Q: Allow us one last question: What is the 

most enjoyable experience when dealing 

with UHNWI’s across the globe? 

A: Without a doubt, the most satisfying part 

of our job is seeing wealth pass from generation 

to generation over many decades and being 

able to assist in that journey through the 

enhancement of a family’s wealth. I think this can 

be both intangible through the management of 

portfolios of investments for clients or tangible 

through the management of real assets such as 

the family business. 

“planned strategy – 

innovative thinking” 

Consilium Trust Company Limited 

Albert House, South Esplanade, St. Peter Port, 

Guernsey GY1 1AJ 

Tel: +44 1481 735420 

Email: robin.pitcher@consiliumtrust.co.uk 

www: consiliumtrust.co.uk 


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Citizenship as a family asset 

Those lucky enough to attain dual 

citizenship by investment look forward 

to a whole host of benefits that can be 

recouped not only by themselves, but also by 

their immediate family. High net worth individuals 

who are aggressive and intelligent enough with 

their investments are now recognizing the full 

extent of the opportunities that owning a second 

passport, through the citizenship by investment 

programme, has to offer. 

On the outset, it may appear that high net 

worth investors are choosing to opt for dual 

citizenship solely as means to preserve their 

wealth. However, on closer inspection, it soon 

becomes clear that there is much more too dual 

citizenship than meets the eye. In fact, many 

investors are now pursuing dual citizenship as a 

priceless family asset. 

PROTECTING WEALTH WITH 

CITIZENSHIP 

To build a lasting legacy and allow future 

generations to be fully successful in their desired 

endeavours it is vital to protect wealth. After 

identifying this need, savvy investors are getting 

smart and turning the tables on what were once 

considered to be necessary evils. 

Using dual citizenship a high net worth 

individual is able to lower or even avoid 

compulsory reductions with clever tax 

planning and investment in the right country. 

Previously uncontrollable burdens, which 

could drain an individual’s wealth, such as 

high political instability or hyperinflation can 

now be circumvented by a second citizenship. 

Moreover, preservation of wealth can even 

become an opportunity to actually enhance 

wealth. Shelter in a developing nation with a 

low tax burden and Investment in the perfectly 

selected economy could have the potential to 

expand wealth through investment growth. 

THE VALUE OF FAMILY SAFETY 

Beyond the investment opportunities and the 

escape from the inevitable taxes there are other 

advantages to citizenship for investors and their 

families. 

Attitudes towards high net individuals and 

their families can be controversial and negative, 

meaning that safety is always a paramount 

concern. In countries where social or 

government structures are particularly unstable, 

high net worth individuals can be at risk from 

terrorism through any means be it by extremists 

or government sponsored. The truth is that the 

possibilities of a threat is elevated to individuals 

known to be valued as high net worth. 

These types of dangers can be completely 

eradicated with a dual citizenship. 

Having the option to move to another location 

would allow individuals and their families the 

peaceful lifestyle that they require. This would 

even include the opportunity to avoid forced 

military service, which is still employed by 

various nations across the globe. Using dual 

citizenship to move to a more passive nation 

could completely eliminate any previously 

potential threats. 

The speed and cost of obtaining a second 

citizenship is constantly progressing. It is easier 

and cheaper than ever before to purchase a 

status that enhances the safety and wellbeing of 

individuals and their families. 

With all this in mind, it’s easy to see why more 

and more high net worth individuals are taking 

up the mantle of dual citizenship, removing the 

limitations of one nation’s policies and gaining 

the flexibility to travel without restrictions. An 

overall better quality of life is available for those 

able to make the investment, a lifestyle that 

promises access to better doctors, hospitals, 

clinics and even private health care. 

Having the option to move to another location would 

allow individuals and their families the peaceful 

lifestyle that they require. 

المواطنة باعتبارها مدخرا لال أ رسة 

 

ف 

بشكل خاص،‏ يمكن أ لالفراد ذوي الإ رادات المالية العالية ان يكونوا ي 

خطر من الإ رهاب من خالل أي وسيلة سواء كان ذلك من قبل ي ن المتطرف‏ 

أو منظمات ترعاها الحكومة.‏ هذه أ النواع من المخاطر يمكن القضاء عليها 

تماما مع جنسية مزدوجة.‏ فإن وجود خيار لالنتقال إىل موقع آخر يسمح 

لالفراد وأهم نمط الحياة السلمية ي ت ال‏ يحتاجون إليها.‏ وهذا يشمل 

أ 

فرصة لتجنب الخدمة العسكرية الإجبارية،‏ ي ت ال‏ ل تزال تستخدمها مختلف 

ي جميع أنحاء العالم.‏ يمكن استخدام الجنسية المزدوجة لالنتقال 

إىل دولة ث أك‏ سلبية ي ض تق‏ تماما عل أي تهديدات محتملة من قبل.‏ 

‏عة وتكلفة الحصول عل الجنسية الثانية تتقدم باستمرار.‏ أنها أسهل 

وأرخص من أي وقت م‏ ش اء الوضع الذي يعزز سالمة ورفاهية أ الفراد 

 

الدول 

هؤلء ي ن المحظوظ‏ بما فيه الكفاية لتحقيق الجنسية المزدوجة عن طريق 

الستثمار يتطلعون عل مجموعة كاملة من الفوائد ي ت ال‏ يمكن ت اسدادها 

ليس فقط من قبلهم،‏ ولكن أيضا من قبل العائلة عل الفور.‏ أ الفراد ذوي 

الإ رادات المالية العالية ي ن الهجومي‏ أ والذكياء بما فيه الكفاية باستثماراتهم 

ي إدراك المدى الكامل للفرص ي ت ال‏ تعرضها امتالك جواز سفر ثان 

من خالل برنامج المواطنة بالستثمار.‏ ي البداية،‏ قد يبدو أن المستثمرين 

ذوي الإ رادات المالية العالية يختارون الحصول عل الجنسية المزدوجة 

فقط كوسيلة للحفاظ عل ثرواتهم.‏ ولكن،‏ عندما تنظر بدقة،‏ فإنه ‏عان 

ما يصبح واضحا أن هناك ث أك‏ ي بكث‏ للجنسية المزدوجة مما تراه الع‏ 

الواقع،‏ العديد من المستثمرين يسعون الن الجنسية المزدوجة 

باعتبارها ادخارا أ لال ‏ة ل يقدر بثمن.‏ 

وأهم.‏ مع كل هذا ي العتبار،‏ فإنه من السهل أن نرى لماذا المزيد 

والمزيد من أ الفراد ذوي الإ رادات المالية العالية يتخذون عباءة جنسية 

مزدوجة،‏ وإزالة القيود المفروضة عل سياسات أ المة الواحدة واكتساب 

المرونة للسفر دون قيود.‏ نوعية أفضل بشكل عام من الحياة متاح لهؤلء 

القادرين عل جعل الستثمار،‏ وهو نمط الحياة الذي يعد الوصول إىل 

أفضل أ الطباء والمستشفيات والعيادات والرعاية الصحية 

الخاصة.‏ 

ي ن . 

الن 

حماية ال‏ ث وة بالجنسية 

حماية ث الوة مهم جدا لبناء إرث دائم والسماح أ لالجيال القادمة ان 

تكون ناجحة تماما ي المساعي المرجوة منها.‏ بعد تحديد هذه الحاجة،‏ 

المستثمرين أ الذكية يزدادون حكمة ويحولون ي تفكهم عل ما كان 

يوم من أ اليام يعت‏ ش ور لزمة.‏ باستخدام جنسية مزدوجة من الممكن 

لالفراد ذو الإ رادات المالية العالية ان يتجنبوا التخفيضات الإجبارية 

أ 

ب ع‏ التخطيط ال‏ ب ي ي‏ الذكي والستثمار البالد الصحيحة.‏ أعباء ل 

يمكن السيطرة عليها ي وقت سابق ي ت وال‏ يمكن أن ن ز تستف ثروة الفرد 

مثل عدم الستقرار ي السياس وارتفاع التضخم يمكن الن ان تحال من 

جانب المواطنة الثانية.‏ عالوة عل ذلك،‏ الحفاظ عل ث الوة يمكن ان 

يصبح فرصة لتعزيز ث الوة.‏ ملجأ ي دولة نامية بعبء ب ي ي‏ منخفض 

ي القتصاد المختار لديه القدرة عل توسيع ث الوة من خالل 

نمو الستثمار.‏ 

ب 

والستثمار 

قيمة أمان العائلة 

ي غ‏ الفرص الستثمارية والهروب من ض الائب ي ت ال‏ ل مفر منها،‏ هناك 

العديد من المزايا أ الخرى للحصول عل الجنسية للمستثمرين وعائالتهم.‏ 

المواقف تجاه أ الفراد ذو الإ رادات المالية العالية وأهم يمكن أن تكون 

ي مثة للجدل والسلبية،‏ وهذا ي ن يع‏ أن السالمة هي دائما مصدر قلق بالغ 

الهمية.‏ ي الدول حيث الهياكل الجتماعية أو الحكومة ي غ‏ مستقرة 

أ 




Succession planning in the 

Middle East is a live issue 

James Howe has seen a growing number of Middle Eastern family 

businesses look for succession planning advice 

Families are becoming more aware of the 

challenges associated with the preservation of 

their wealth and are spending a great amount of 

time, money and effort to find and implement 

appropriate solutions. Addressing the problems 

associated with succession planning in the 

Middle East is complicated due to issues of 

culture, family history, hierarchical structures 

and the importance of Sharia’h principles. 

With approximately 90 per cent of business 

activities in the Gulf Coast Countries controlled 

by family businesses, it is no surprise that survey 

after survey has shown that families are worried 

about CEO and shareholder succession planning. 

When a patriarch takes a step back from his 

or her day-to-day business to think about 

the family wealth, there are three things that 

the patriarch thinks about: the individual; the 

family; and the community. The three things any 

patriarch wants can be summarised as PET: 

n protect wealth 

n enhance and grow assets 

n transfer wealth to family and community 

This can be organised by implementing the 

following three steps. 

Step One: 

Consolidated Reporting 

Work out what assets the patriarch owns now. 

This requires some homework and planning, as 

it is an audit of current wealth. 

Look at all of the asset classes such as cash, 

bonds, stocks, options, real estate, investments, 

insurance and pension policies. Keep it simple 

and write down the various asset classes, 

institutions and countries involved. You might 

want to segment the family’s liquid and 

investment assets in one document, with real 

estate, chattels and fixed assets in another. 

Great care needs to be taken when looking 

at the family business as it may have been 

handed down over generations, with built-in 

assumptions and expectations. 

Think also about the currency and geopolitical 

asset split. US bonds and property in New York 

will be treated differently to domestic cash and 

investments in Saudi Arabia. In other words, 

think about onshore assets in one basket and 

offshore assets in another. 

Finally, think about what assets you expect 

the patriarch to receive during the rest of his/ 

her life in terms of income, gains, inheritance 

and commercial profits. This may take a few 

months, but the end of step one is when 

you can produce a consolidated reporting 

statement. Most importantly, you must keep 

this up to date. Look to achieve, at the very 

least, a quarterly report. 

Step Two: 

The Patriarch 

Think about the patriarch and his/her partner. 

List what assets are personal and will be at 

the patriarch’s disposal for the rest of his/her 

life, which may or may not fall into the family 

structure. These are the patriarch’s assets, under 

his/her control and which will be covered by a 

will or pass under Sharia’h principles. 

The patriarch may have a view as to a woman’s 

rights to property as a daughter’s inheritance is 

usually half that of her brothers. 

Step Three: 

Family Protocol 

An audit of both onshore and offshore assets 

should be carried out for those assets that are 

seen as part of the family assets. These may be 

in different jurisdictions, but the family will be 

guided by the principles to be written down in 

a family protocol document. This will usually be 

done with help from the family’s lawyer. 

The family protocol is a document that sets 

down the philosophy of the family and 

the values and rules in making decisions. It 

may have a committee for investments and 

one for executive decision making. When a 

protocol is accepted by a family, it tends to 

be strictly applied and, in most cases, helps to 

ease tensions that may arise between family 

members. An investment committee will look 

at assets in terms of growth and income and 

the risk versus the return ratio. The executive 

decision making committee will review the 

control mechanisms, the spending and saving 

and the transfer of assets between family 

members. The patriarch will need to look at the 

education of family members in terms of family 

protocol and develop a mechanism for power 

sharing across generations. 

James Howe ACIB TEP 

James has been working within the offshore 

fiduciary services sector since 1980. After 

qualifying as an associate of the Chartered 

Institute of Bankers in 1992 he also became 

a member of the Society of Trust and Estate 

Practitioners in 1996. James is a member of the 

Hawksford Group board and also sits on the 

Hawksford risk committee. James is responsible 

for a team that administers the fiduciary 

structures for both real estate and investment 

assets. He has specific responsibilities for clients 

in the Middle East and travels to the Middle East 

on a regular basis to meet clients and also has an 

active role in business development. 

Usually there will be a strong desire to ensure 

that all Zakat obligations continue to be met 

and typically, very wealthy families will be active 

in other charitable and philanthropic causes. 

There may be members of the family who have 

mental health or physical disabilities and these 

individuals will be looked after within the family. 

When looking at a structure for succession 

planning, there will be many ways to ensure that 

this support continues and is properly funded to 

cover future needs. 

The family can use a fiduciary structure for 

the offshore assets, such as a foundation or a 

trust, and can create a private trust company 

to control the assets in accordance with the 

family protocol, using a wealth partner to 

administer the structure in a disciplined manner. 

By following these three steps and having an 

effective, well-managed structure in place, 

you can not only enhance wealth during the 

patriarch’s lifetime, but protect it for future 

generations. 

James Howe 

Director, Hawksford Group 

E: james.howe@hawksford.com 

T: +44 (0) 1534 740246 




Why Real Estate is the Investment of 

Choice for Global Citizens 

REAL ESTATE AND CITIZENSHIP 

It’s clear that Citizenship-by-Investment offers 

a whole host of benefits for high net worth 

individuals. Giving great benefits such as savings 

on taxes and the ability to move freely across 

previously restricted borders. These attractive 

privileges can be gained from careful investment 

in a country that best suits the investor’s needs. 

Most Citizenship-by-Investment programmes 

also offer the option of purchasing real estate as 

an alternative to a purely monetary investment. 

These real estate investment opportunities 

are giving investors the ability to seek out 

developing real estate and rapidly increase their 

profit margins. 

PROTECTED INVESTMENT 

Foreign owned real estate investment is also 

an extremely secure way to protect wealth and 

sustain growth. Real estate is a great addition 

to any high net worth individual’s portfolio, 

whether they’re looking to purchase a family 

holiday home, a permanent residence with an 

exclusive address or even commercial property. 

Real estate property that is owned overseas is 

almost, if not outright, impossible to be seized, 

repatriated or interfered with by the investors 

home government, making it one of the most 

assured assets that any investor can own. 

PLAYING THE LONG GAME 

As an ever-growing number of countries follow 

in the footsteps of St Kitts and Nevis – introducing 

Foreign owned real estate 

investment is also an extremely 

secure way to protect wealth 

and sustain growth. 

Citizenship-by-Investment programmes – the 

number of prosperous real estate opportunities 

continues to grow. This is good news for savvy 

investors; however, Citizenship-by-Investment 

programmes that offer real estate investment 

can also include the burden of enforced 

mandatory possession. This compulsory ruling 

forbids owners from selling their property 

within the first five years, for some this period 

of mandatory ownership could prove too much 

of an inconvenience. For those investors with 

more endurance there are substantial rewards 

to be gained. The possibilities of rapid profit 

from rental and refinancing opportunities is 

considerable and purchasing real estate in the 

right developing country could see outstanding 

growth over the long term. 

DEVELOPING MARKETS 

Real estate is a thriving market in many countries 

across the globe, so finding the right opportunity 

that suits both your needs for citizenship and has 

great investment potential can be difficult. But 

with so many countries joining the Citizenshipby-investment 

programme investors can take 

advantage of the exclusive benefits that are 

available and choose the most suitable option. 

Each individual country has its own unique 

guidelines and there are a number of enticing 

offers open to investors, for example, Malta, 

which offers EU status, is the only country to 

offer no further real estate taxes whatsoever 

after the initial purchase. Bermuda, on the 

other hand, has a 0% Inheritance and gift tax, 

compared with charges of up to 60% in France 

and as high as 80% in Spain. Naturally, tax breaks 

like these should be considered carefully before 

any investment is made as they could prove to 

be crucial in the long-term. 

Real estate continues – as it always has – to 

be one of the single most major investments 

available to high net worth individuals. 

Moreover, the development of today’s global 

market presents the perfect opportunity for 

investors to build a stunning portfolio of real 

estate for their family or corporation. 





ف 

ف 

ف 

ث 

ف 

ف 

ض 

ف 

ف 

ف 

ي 

ت 

ي 

لماذا العقارات هي االستثمار المثالي ي ن للمواطن‏ 

ي ن العالمي‏ : 

العقارات والمواطنة:‏ 

من الواضح أن المواطنة عن طريق الستثمار تقدم مجموعة كاملة من 

الفوائد أ لالفراد ذوي المقدرة المالية العالية.‏ تعطي فوائد ي كبة مثل 

ض الائب والقدرة عل التحرك بحرية ب ع‏ الحدود المقيدة 

التوف‏ ي 

 

ف 

سابقا.‏ هذه المتيازات جذابة يمكن الحصول عليها من الستثمار الحذر ي 

بلد ي ت ال‏ تناسب احتياجات المستثمر.‏ كما تقدم معظم ب الامج المواطنة 

عن طريق الستثمار خيار ش ‏اء العقارات كبديل لالستثمارات النقدية 

البحتة.‏ هذه الفرص الستثمارية العقارية تعطي للمستثمرين القدرة 

للبحث عن تطوير العقارات وزيادة هوامش أرباحها بعة.‏ 

ي 

االستثمارات المحمية:‏ 

الستثمارات العقارية المملوكة لجهات أجنبية هي أيضا وسيلة آمنة 

للغاية لحماية ث الوة والحفاظ عل نموها.‏ العقارات هي إضافة ي كبة 

إىل محفظة أي فرد من أصحاب ث الوات،‏ سواء كانوا يبحثون ش لاء ن ز مل 

عطلة عائلية،‏ أو الإقامة الدائمة مع عنوان حي أو ت ح‏ العقارات 

التجارية.‏ العقارات ي ت ال‏ تملكها ي الخارج من المستحيل أن تضبطت أو 

تعدل من قبل حكومة المستثمر،‏ مما يجعلها واحدة من أ الصول أ الك‏ 

ضمانا أ لي مستثمر أن يمتلكها.‏ 

لعب اللعبة الطويلة:‏ 

كما ان هناك عدد ت ز مايد من البلدان ي تس‏ عل خطى سانت كيتس 

ونيفيس ‏-إدخال برنامج المواطنة عن طريق الستثمار ‏-عدد الفرص العقارية 

ي ازدياد مستمر.‏ هذا هو ب الخ‏ السار بالنسبة للمستثمرين؛ ومع 

ذلك،‏ يمكن أن تشمل المواطنة عن طريق الستثمار ي ت ال‏ تقدم برامج 

الستثمارات العقارية أيضا عبء قي للحيازة الإلزامية.‏ هذا الحكم 

غضون السنوات الخمس 

ف 

الإلزامي يحرم أ الشخاص من بيع ممتلكاتهم ي 

الوىل،‏ بالنسبة للبعض هذه ت الفة من الملكية الإلزامية يمكن أن تسبب 

أ 

ي الكث‏ من الإزعاج.‏ بالنسبة أ لولئك المستثمرين مع مزيد من التحمل،‏ هناك 

مكافآت ي كبة ي ت ال‏ يمكن الحصول عليها.‏ إمكانيات الربح اليع من فرص 

ي تأج‏ وإعادة التمويل ليست بالقليلة ويمكن ش ‏اء 

العقارات ي البالد النامية تنبؤا بالنمو ي ز المتم‏ عل المدى الطويل.‏ 

تطوير اال أ سواق:‏ 

جميع أنحاء العالم،‏ 

ف 

العقارات هي سوق مزدهرة ي العديد من البلدان ي 

ت ح‏ العثور عل الفرصة المناسبة ي ت ال‏ تناسب احتياجاتك عل حد سواء 

مع الحصول عل الجنسية ولديك إمكانيات استثمارية ي كبة يمكن أن 

يكون صعبا.‏ ولكن مع هذا العدد ي الكب‏ من البلدان ي ت ال‏ تنضم إىل برنامج 

المواطنة من قبل الستثمار يمكن الستفادة من المزايا الحية ال‏ 

تتوفر واختيار الخيار أ النسب.‏ 

كل بلد عل حده لديها مبادئ توجيهية فريدة من نوعها،‏ وهناك عدد 

من العروض المغرية المفتوحة للمستثمرين،‏ عل سبيل المثال،‏ مالطة،‏ 

ي ت وال‏ تقدم جنسية التحاد أ ال ب ي ورو‏ ، هي الدولة الوحيدة ي ت ال‏ ل تطلب 

ض الائب العقارية مزيدا من أي نوع بعد ش الاء أ الوىلي . برمودا،‏ من ناحية 

ض يبة الإ رث والهدايا،‏ مقارنة مع رسوم تصل إىل 60٪ 

ي فرنسا ويصل إىل 80٪ ي إسبانيا.‏ بطبيعة الحال،‏ ينبغي النظر 

العفاءات اليبية مثل هذه بعناية قبل اتخاذ أي استثمار أ لنها يمكن أن 

تكون حاسمة عل المدى الطويل.‏ 

أخرى،‏ لديها 0٪ 

 

تواصل العقارات ‏-كما كانت دائما ‏-أن تكون واحدة من الستثمارات 

الرئيسية الوحيدة المتاحة أ لالفراد من أصحاب ث الوات.‏ وعالوة عل ذلك،‏ 

تطور السوق العالمية اليوم تقدم فرصة مثالية للمستثمرين لبناء 

محفظة من العقارات مذهلة لعائالتهم أو ش ‏كاتهم.‏ 

المزدهرة 



Customer 

Due Diligence 

What is behind the lights at night? 

We can see the storm, are the winds favoriable? 

I 

know – you already know all about KYC 

and due diligence and your brain could not 

possibly store any more information on KYC 

and customer due diligence. I understand, but 

please read on. 

It’s been said that the requirements of KYC 

and due diligence come from over taxed and 

regulated nations making international banking 

difficult to so these nations can better tax their 

citizen’s incomes. This is correct, but it is also, now 

more than ever, about protecting our nations 

economies, to promote fiscal stability, and to 

do this by denying evildoers profits through the 

involvement of our institutions or ultimately the 

control of our financial institutions. 

HSBC was fined 1.9 billion USD for money 

laundering. BNP Paribas will pay 8 billion USD 

for sanctions violations. These large banks are 

paying enormous fines because they utterly 

failed in their KYC, AML, sanctions, and due 

diligence responsibilities. So why are the large 

banks with, what appear to be infinite resources, 

failing? How can you hope to do any better? 

The smaller financial institutions have an 

advantage. They actually know their customers. 

The key to compliance is getting closer to your 

customers and actually knowing your customers. 

If you are the chief of compliance in Dubai, what 

do you know about business conditions in 

Doha, or Khartoum? You may have some ideas 

– but you are not saturated in the deeds of living 

and working in those markets. It is the eyes, the 

ears, and the minds of those who live in those 

markets that are needed for comprehensive 

KYC. Your local representatives are part of the 

key to your success. It is an immutable fact of 

risk management, the more remote from the 

risk the less likely we understand the risk. 

A compliance officer wanted to know how a paint 

company was selling 1.5 million USD in cash for 

paint in Harare, Zimbabwe. Her comment to me 

was “That is a lot of paint, and the neighborhood 

where this store operates could use a fresh coat 

of paint.” The compliance officer reviewed the 

company’s accounts and the activity did not 

support 1.4 million USD in sales, let alone cash 

sales. The compliance officer filed a Suspicious 

Activity Report. One month later the paint 

shop owners and a Chinese businessman were 

detained for trafficking in illegal animal parts. That 

is the power of local knowledge. 

So what do we face for the future? 

The EU’s 4th AML directive seeks transparency 

on all structures. The directive’s aim is that all 

persons with powers of dominion and benefit 

are disclosed down to the 5% level. The UK tried 

to anticipate the directive and proposed a 25% 

level of benefit / dominion to blunt the EU’s goal 

of 5%. The UK’s regulators were met with a firm 

“no” from all sectors. If this is the case in the 

UK – what is the likelihood this directive will be 

as encompassing EU’s 4th directive proposes? 

Unknown, but this drive to disclose must be 

closely monitored. 

Stale due diligence is being addressed by the 

BIS and OECD. Once an account is opened that 

is usually the last we ever look at the KYC and 

due diligence information. This provides an 

excellent way to hide money is in plain sight. 

Many fraudsters know that if they have an 

account in a company’s name and the company 

has been struck off years ago – no one will 

look for any assets in that company’s name. I 

found this to be the case in a multi-national 

fraud where over £700 million flowed through 

accounts of a UK company struck off 10 years 

ago. We scrub our clients against lists of bad 

people, however we do not otherwise regularly 

update our customer due diligence. Criminals 

now use multiple morphing transmutations of 

companies – by changing their names, boards 

of directors, and purposes. These morphing 

companies can be exposed as they often use the 

same addresses, web sites, phone numbers and 

Even with a beautiful face, we must 

dig deeper. 

email accounts. This morphing of companies 

targets the weakness of stale KYC and due 

diligence processes. If compliance professionals 

just search by a person’s company, address, 

emails and contact persons the morphing can 

often be revealed. Stale customer due diligence 

is a real problem. 

We must be diligent to prevent customers from 

mis-using our services. Sloppy or stale KYC 

and customer due diligence allows criminals 

to transmit and deploy the profits from the 

misery they peddle; frauds, drugs, weapons, 

human smuggling, corruption, - through your 

firm. When an institution’s poor compliance 

becomes known – known within the criminal 

fraternity – more criminals will seek to establish 

relationships with your institution. Criminals are 

good at networking and will share an intuition’s 

weaknesses with other criminals. When the 

institution’s poor compliance and list of criminal 

clients surfaces, legitimate customers will move 

their business and the institution will face the 

loss of correspondent relationships, the expense 

of fines, and criminal prosecution. 

It is my 25 years of experience, that over 95% 

of all compliance issues with would have been 

prevented with good initial KYC and customer 

due diligence. Good KYC and customer due 

diligence is an investment in the defense of 

your brand and against the costs of customer 

due diligence failures. Do for your company and 

your country. Prevention is easier and cheaper 

than cures. 



The very best in tax and trust services 

A dedicated team of legal and tax experts, 

guiding you through the complexities of 

wealth in the UK and internationally 

We would be delighted to hear from you 

Best Law Firm (Tax and Trusts) Wealth Advisor 2014 Global Awards 

Zoë Camp or Jonathan Colclough on 

+44 (0) 207 430 7150 

or by email 

zoe.camp@nqpltd.com 

jonathan.colclough@nqpllp.com 

www.nqpltd.com 


About Antigua and Barbuda 

Antigua and Barbuda is a twin-island state located between the Caribbean Sea and the 

Atlantic Ocean. It consists of two major inhabited islands, Antigua and Barbuda, and a 

number of smaller islands. 

Antigua and Barbuda is an independent Commonwealth state 

in the Eastern Caribbean. Antigua was first discovered by 

Christopher Columbus in 1493 and later became a British 

settlement. Under Lord Nelson, it became Britain’s main naval base from 

which it patrolled the West Indies. 

Antigua is 108 sq miles or 279.7 sq km, Barbuda is 62 sq miles or 160.6 

sq km. Antigua and Barbuda combined is 170 sq miles or 440.3 sq km. 

Antigua and its flatland topography was well suited to produce its 

early crops of tobacco, cotton and ginger. The main industry, however, 

developed into sugar cane farming which lasted for over 200 years. Today, 

with its 30 year independence from Britain, Antigua’s key industry is 

tourism and related service industries. The next largest employers are the 

finance services industry and the government. 

Antigua and Barbuda is a constitutional monarchy with a British style 

parliamentary system of government. The Queen has her representative, 

an appointed Governor General, representing the Queen as the Head 

of State. The Government is composed of two chambers: the elected 

17 member House of Representatives, led by the Prime Minister; and 

the 17 member Senate. 11 of the Senate members are appointed 

by the Governor General under the guidance of the Prime Minister, 

four members are appointed under the direction of the Leader of the 

Opposition and two by the Governor General. General elections are 

mandated every five years and can be called earlier. The High Court and 

Court of Appeal are the Eastern Caribbean Supreme Court and the Privy 

Council in London. 

With some 365 beaches of clean clear turquoise waters, the lush tropical 

island of Antigua is an inviting paradise and considered to be one of the 

most beautiful places in the world. As a result, tourism is the key driver of 

GDP and generates around 60% of the island’s income, with key target 

markets being the US, Canada and Europe. 

Antigua has experienced a challenging economic environment in 

recent years. However, the Government has been credited with its 

implementation of the National Economic and Social Transformation 

Plan and a debt restructuring effort. One of the initiatives to support the 

island nation’s economy is the introduction of a Citizenship by Investment 

Program. 

Antigua’s commitment to serving its tourism industry and increasing 

its GDP is demonstrated with the airport expansion project set to 

be completed in 2013. It is worth US$45 million and includes three 

passenger jet bridges and more than two dozen check-in counters, 

creating an overall higher efficiency for passenger arrival. It will also allow 

an increase in scheduled, charter and inter-island flights. There are already 

direct flights to Antigua from London, New York, Miami and Toronto in 

place. 

Residents of Antigua and Barbuda benefit from no capital gains tax or 

estate taxes. Income taxes are progressive to 25% and for non-residents, 

they are at a flat rate of 25%. Proposed amendments to Part 111 Section 

5 of the Income Tax Act will change taxation on worldwide income to 

taxation on income sourced within Antigua and Barbuda. 

The currency is the Eastern Caribbean dollar (EC$), which is pegged to 

the US$ at 2.70 EC$/US$. Antigua is a member of the United Nations 

(UN), the British Commonwealth, Caricom and the Organisation of 

American States (OAS), among many other international organizations. 

Holders of the Antiguan passport enjoy visa free travel to approximately 

126 countries, including the United Kingdom, Canada and the countries 

of the Schengen area. Holders of this passport, like all Caribbean 

countries, do require a visa to enter the US as they are not a member of 

the Visa Waiver Program. 

Citizenship in Antigua and Barbuda 

Legislation: 

n Citizenship by Investment Act 2013 

n Citizenship by Investment (Amendment) Regulations 2013 



ANTIGUA – WEST INDIES 

Tolumnia Orchids is a private, boutique development located on an elevated hillside with stunning 

sea views and in 1.5 acres of National Parkland. These two spacious and luxuriously appointed 

homes are a unique opportunity to invest in an exceptional piece of Antiguan real estate. 

An approved Development Project by 

Ondeck Living, under the Citizen 

by Investment Program, fractional 

or whole ownership is available. At $420,000 

per fraction this allows investment into the high 

end property market at minimum citizenship 

investment level. 

Harnessing the warmth and character of the 

Caribbean region, these exceptional homes 

have been designed to blend island vernacular 

with modern day living. With 5 bedroom suites 

and multiple entertaining areas these properties 

will be ideal for the discerning client demanding 

the best of the Caribbean. 

The properties, on completion, will be operated 

as a prestigious rental destination with 

professional management and marketing to the 

international luxury vacation market. 

With a projected 4-5% return on investment we 

can guarantee no operating costs for the first 

5 years of ownership partnered with a strong 

forecast capital appreciation. Furthermore the 

fractions can be re-sold to a new citizenship 

investor after 5 years. 

Investment in this programme represents 

security - a second citizenship and a 

Caribbean property, a key element for any 

international wealth preservation strategy. 

ي ن بسات‏ تولمنيا هى بوتيك تنمية خاصة تقع عل تالل مرتفعة بمناظر خالبة للبحر و 1.5 فدان من الحدائق الوطنية.‏ المنازل الفسيحة والفخمة هم فرصة فريدة 

‏.من نوعها لالإستثمار ف قطعة إستثنائية من عقارات أنتيغوا 

ش موع تنمية معتمدة ف إطار ب النامج الإستثمارى من قبل المواطن،‏ ملكية جزئية أو كاملة متاحة.‏ بدئأ ب 420,000 لكل جزء وهذا يسمح الإستثمار ف سوق 

‏.العقارات الراقية بمستوى الحد أ ال ن د‏ لالإستثمار ن الوط‏ 

ي بتسخ‏ الدفء وطابع البحر ب الكاري‏ ، قد تم تصميم هذه المنازل استثنائية لمزج عامية الجزيرة مع معيشة الع‏ الحديث.‏ مع 5 أجنحة نوم ومناطق ترفيهية 

‏.متعددة هذه الخصائص سوف تكون مثالية للعمالء ي ن المثالي‏ الذين يطلبون إفضل مناطق البحر ب الكاري‏ 

‏.المنازل،‏ بعد الإنتهاء،‏ سيتم تشغيلهم كوجهة ي تأج‏ مرموقة مع إدارة ت محفة للتسويق بسوق العطالت الفاخرة الدولية 

مع توقع 4-5% عاذد عل الإستثمار يمكننا ضمان تكاليف التشغيل لمدة 5 سنوات أ الوىل من الملكية ف ش ‏اكة التوقعات القوية لزيادة رأس المال.‏ وعالوة عل 

‏.ذلك،‏ يمكن إعادة بيع الكسور لمستثمر جديد بعد 5 سنوات 

‏.الإستثمار ف هذا ب النامج يمثل أ المن – جنسية ثانية وممتلكات بمنطقة البحر ب الكاري-‏ وهو عن‏ أساس أ لية ت إساتيجية دولية للحفاظ عل ث الوة 

For more information contact Kay Anthony: 

Tel: +1 268 720 7657 Email: kay@ondeckliving.com Web: www.ondeckliving.com 


With some 365 beaches of clean clear turquoise 

waters, the lush tropical island of Antigua is an 

inviting paradise and considered to be one of the 

most beautiful places in the world. 

The Citizenship by Investment Program (CIP) was established following 

parliamentary assent to the Antigua and Barbuda Citizenship by 

Investment Act, 2013. 

The Regulations regarding Citizenship by Investment in Antigua and 

Barbuda are contained in Section 6 of the Citizenship by Investment 

Act, 2013. These provisions allow the government to operate a program 

under which citizenship is granted to persons who qualify under criteria 

set by parliamentary decision. 

Requirements and Procedures 

The Citizenship by Investment Program (CIP) requires a person to 

make a significant economic contribution to the Country. In exchange, 

and subject to stringent application procedures, including thorough 

background checks, the applicants and their families are granted 

citizenship. To qualify for citizenship, the primary applicant must be over 

18 years of age, meet the application requirements and select one of the 

following three investment options; 

n A contribution to the National Development Fund (NDF) of a 

minimum non-refundable amount of US$250,000.** 

n 

n 

An investment of at least US$400,000 into one of the approved real 

estate projects and to be held for a minimum period of 5 years. 

An investment of a minimum of US$1,500,000 directly into an eligible 

business as a sole investor or a joint investment involving at least 2 

persons in an eligible business totalling at least US$5,000,000 and 

each of those persons individually invests at least US$400,000. 

All three investment options are subject to government processing and 

due diligence fees. 

Ineligible applicants are as follows; 

n Where an applicant has provided false information on his or her 

application 

n 

n 

n 

n 

n 

n 

Where a medical practitioner states that any of the family members is 

suffering from a contagious disease and/or serious health problems 

Not having received a free pardon, has at any time previously been 

convicted in any country of an offence for which the maximum 

custodial penalty is in excess of six months imprisonment 

Is the subject of a criminal investigation 

Is a potential national security risk to Antigua and Barbuda or to any 

other country 

Is involved in any activity likely to cause disrepute to Antigua and 

Barbuda 

Has been denied a visa to a country with which Antigua and Barbuda 

has visa-free travel and who has not subsequently obtained a visa to 

the country that issued the denial 

Deprivation of citizenship may occur if the citizen does not spend at 

least 35 days in Antigua and Barbuda during the period of five calendar 

years after having obtained citizenship and they will not be entitled to 

repayment of any investment, contribution or purchase price made by 

them in their original application for citizenship. 

Deprivation of citizenship will occur where such registration as a citizen 

was obtained by false representation or fraud or wilful concealment of 

material facts or the person has been convicted in Antigua and Barbuda 

of an act of treason or sedition. 

Dependants 

Family applications will be considered to include the following family 

members; 

n A spouse of the main applicant 

n A child of the main applicant or his or her spouse who is less than 18 

years of age 

n A child of the main applicant or his or her spouse who is at least 18 

years and less than 26 years of age and who is in full time attendance 

at a recognised institution of higher learning and fully supported by 

the main applicant 

n 

n 

A child of the main applicant or of the spouse of the main applicant 

who is at least 18 years of age, who is physically or mentally challenged, 

and who is living with and fully supported by the main applicant 

Parents or grandparents of the main applicant or his or her spouse 

above the age of 65 years living with and fully supported by the main 

applicant. 

For the purposes of the Antigua and Barbuda Citizenship by Investment 

Program ‘child’ means a biological or legally adopted child of the main 

applicant, or of the spouse of the main applicant. 

Benefits 

Antigua and Barbuda Passport 

The passport will be valid for a period of 5 years and will be considered 

for renewal subject to the recipient having spent a total of 35 days in 

Antigua and Barbuda, since gaining citizenship, within the 5 year period. 

The passport does not afford automatic voting rights and persons would 

need to qualify as outlined in the Representation of the People Act. 

The passport will afford the holder visa free travel to 131 countries that 

includes Canada, Hong Kong, Singapore, U.K. and the European Union. 

How to Proceed 

The documentation that you require is as follows 

n Citizenship by Investment Application Form AB1 

n Photograph and Signature Certificate Form AB2 

n Medical Certificate Form AB3 

n Investment Confirmation Form AB4 

n Agent Form Form AB5 




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معلومات عن أنتيغوا وباربوداا 

‏،أنتيغوا وباربودا هي دولة جزيرة مزدوجة تقع ي ن ب‏ البحر ب ي الكاري‏ والمحيط اال ي أ طلس . وتتكون من ي ن جزيرت‏ رئيسية ‏.مأهولة 

أنتيغوا وباربودا،‏ وعدد من الجزر ي الصغة.‏ 

شهدت أنتيغوا بيئة اقتصادية صعبة ي السنوات أ ال ي خة.‏ ومع ذلك،‏ كان للحكومة الفضل بسبب تنفيذها للخطة 

الوطنية للتحويل القتصادي والجتماعي وجهود إعادة هيكلة الديون.‏ واحدة من المبادرات لدعم القتصاد 

ي ن الوط‏ بالجزيرة هو إدخال الجنسية من خالل برنامج الستثمار.‏ 

يظهر ت ز الام أنتيغوا لخدمة قطاع السياحة وزيادة ناتجها المحلي الإجماىلي ب ع‏ ش موع توسعة المطار المقرر أن 

يتم النتهاء منه ي عام 2013. تكليفاتها 45 مليون دولر،‏ ويتضمن ثالثة جسور لطائرات الركاب ث وأك‏ من عين 

عدادا لتسجيل الوصول،‏ ي ت ال‏ أنشئه اعل كفائه شاملة من أجل وصول الركاب.‏ وسوف تسمح أيضا زيادة ي جداول 

ي الطان،‏ وميثاق ي ن ب‏ الجزر الجوية.‏ هناك بالفعل رحالت ش مباة إىل أنتيغوا من لندن ونيويورك وميامي وتورنتو 

الن.‏ 

سكان أنتيغوا وباربودا يستفيدون من أي ‏يبة أرباح رأسمالية أو ض الائب العقارية.‏ ض الائب عل الدخل تتصاعد 

إىل 25٪ وبالنسبة ي لغ‏ ي ن المقيم‏ ؛ أنهم ي معدل ثابت قدره 25٪. والتعديالت ت المقحة عل الجزء 111 المادة 5 

من قانون ‏يبة الدخل ي لتغي‏ ض الائب عل الدخل ي جميع أنحاء العالم لفرض ض الائب عل الدخل من 

مصادر داخل أنتيغوا وباربودا.‏ 

دولر أمريكي . أنتيغوا هي / $ EC وهو مربوط إىل 2.70 دولر أمريكي ي ،($ (EC العملة هي الدولر ش ‏ق ب ي الكاري‏ 

ي ن وب‏ (OAS)، والكومنولث ب ال‏ ي يطا‏ ، والجماعة الكاريبية،‏ ومنظمة الدول أ المريكية (UN)، عضو ي أ المم المتحدة 

العديد من المنظمات الدولية أ الخرى.‏ لحاملي جواز السفر أنتيغوا التمتع بالسفر بدون ي تأشة إىل ما يقرب من 

ي ذلك المملكة المتحدة وكندا وبلدان منطقة شنجن.‏ حاملي هذا الجواز،‏ مثل كل بلدان منطقة 

البحر ب ي الكاري‏ ، ل يحتاجون إىل ي تأشة لدخول الوليات المتحدة أ لنها ليست عضوا ي برنامج الإعفاء من ي التأشة.‏ 

126 بلدا،‏ بما 

ي 

أنتيغوا وباربودا هي دولة الكومنولث المستقلة ش ق البحر ب ي الكاري‏ . تم اكتشاف أنتيغوا أول مرة من قبل 

كريستوفر كولومبوس ي عام 1493 وأصبحت ي وقت لحق مستوطنة بريطانية.‏ تحت اللورد نيلسون،‏ أصبحت 

القاعدة البحرية الرئيسية ي بريطانيا ي ت وال‏ كانت تقوم بدوريات ي جزر الهند الغربية.‏ 

أنتيغوا تكون 108 ميل مربع أو 279.7 ت كيلوما مربعا،‏ باربودا تكون 62 أميال مربعة أو 160.6 ت كيلوما مربعا.‏ 

أنتيغوا وباربودا مجتمعة تكون 170 ميل مربع أو 440.3 ت كيلوما مربعا.‏ أنتيغوا وتضاريس أ ال رض المسطحة كانت 

مناسبة تماما لإنتاج المحاصيل ي وقت مبكر من التبغ والقطن والزنجبيل.‏ الصناعة الرئيسية،‏ مع ذلك،‏ تطورت 

لزراعة قصب السكر ي ت وال‏ استمرت أ ل ث ك‏ من 200 عاما.‏ اليوم،‏ مع استقاللها عن بريطانيا 30 عاما،‏ الصناعة 

الرئيسية ل أنتيغوا هي السياحة والخدمات ذات الصلة الصناعية.‏ ي ثا‏ ب أك‏ أصحاب العمل هما قطاع الخدمات 

المالية والحكومة.‏ 

أنتيغوا وباربودا هو نظام ملكي دستوري مع نظام الحكم ب ال‏ ي لما‏ ب ال‏ ي يطا‏ . الملكة لديها ممثل وهو ي ن تعي‏ 

الحاكم العام الذي يمثل الملكة باسم رئيس الدولة.‏ وتتألف الحكومة من ي ن مجلس‏ : 17 عضوا منتخبا بمجلس 

النواب،‏ برئاسة رئيس الوزراء؛ و‎17‎ عضوا بمجلس الشيوخ.‏ 11 من أعضاء مجلس الشيوخ يتم تعيينهم من قبل 

الحاكم العام بتوجيه من رئيس الوزراء،‏ ويتم ي ن تعي‏ أربعة أعضاء بتوجيه من زعيم المعارضة ي ن واثن‏ من قبل 

الحاكم العام.‏ وتقوم النتخابات العامة كل خمس سنوات،‏ ويمكن أن تقام ي وقت سابق.‏ المحكمة العليا 

ومحكمة الستئناف والمحكمة العليا ش لق ب ي الكاري‏ ومجلس الملكة الخاص ي لندن.‏ 

مع حواىلي 365 شاطئ بالمياه ي الفوزية الواضحة النظيفة،‏ الجزيرة الستوائية المورقة أنتيغوا هي جنة جذابة 

ب وتعت‏ واحدة من أجمل أ الماكن ي العالم.‏ ونتيجة لذلك،‏ السياحة هي المحرك ي الرئيس من الناتج المح يل 

الإجماىلي ويولد حواىلي 60٪ من الدخل ي الجزيرة،‏ أ والسواق المستهدفة الرئيسية هي الوليات المتحدة وكندا 

وأوروبا.‏ 



World Without Borders 

HOLDING AN ANTIGUA & BARBUDA PASSPORT 

CAN TRIM TAX AND EASE TRAVEL 

From the lakes of Latvia to the plains of 

Paraguay, there is no shortage of countries 

willing to hand out citizenship – at a price. 

For the savvy investor, a second passport 

can spawn a wealth of advantages 

including visa-free travel, international 

tax planning, even a safe haven during 

times of unrest back home. For many, dual 

citizenship also means no government has 

sole control over their life – or their assets. 

Last year, Antigua & Barbuda became the latest 

nation to sign into law a route for citizenship 

by investment. But while other jurisdictions 

offer something ostensibly comparable, few 

make it as speedy, seamless or affordable as the 

Caribbean holiday hotspot. 

With a stable and growing economy, limited 

taxation, easy accessibility, low crime rate and 

a thriving tourism product, it’s little surprise 

experts are predicting uptake to be as swift as 

snapping a photo. 

The three avenues for gaining an Antigua & 

Barbuda passport include a US$1.5m investment 

into an approved business, a US$250,000 

donation to the national development fund, 

or a minimum US$400,000 purchase in a 

government-sanctioned real estate project. 

Successful applicants are not required to sacrifice 

their current citizenship. They also benefit 

from exemption from a number of local taxes, 

including personal income, net worth, gift tax and 

estate duty. In addition, they enjoy visa-free travel 

to around 130 countries worldwide, including the 

UK, Canada, Hong Kong, Singapore, and Europe’s 

borderless Schengen area. 

Savills-associated real estate agency Luxury 

Locations on Antigua’s west coast is a 

government-approved marketing agent for the 

scheme. The company’s CEO Sam Dyson said, 

although similar to St Kitts and Nevis’s citizenship 

by investment programme, the process in 

Antigua & Barbuda is significantly speedier. 

“We are seeing an incredible amount of interest 

in buying property to get a passport. Investors 

are drawn here for a number of reasons – 

the quality of homes available in Antigua is 

very high and because house prices are still 

relatively low it’s a great time to buy. People 

like the fact it’s a very safe environment and 

politically stable too. 

“We exclusively represent much of the real 

estate market approved for the scheme and 

because we have lived and worked in the islands 

for so long we’re well placed to advise investors 

and assist them along the way.” 

Mr Dyson added: “The economy has really 

picked up here. And the rental property market is 

booming too which means people who choose 

to let their new home out to holidaymakers see 

excellent returns on their investment.” 

Don Myatt, head of the country’s Citizenship by 

Investment Unit, said the fast timeframe from 

submitting an application to physically receiving 

a passport was a big draw. 

“By law we have to make a decision within 

three months; that’s a big selling point,” he said. 

“The applicant then has a month to make the 

investment before the passport process starts 

which can take another month. So it’s generally 

just five months from start to finish.” 

Mr Myatt said the average cost for a family of 

four, including processing fees, was US$700,000. 

“The programme is for an unlimited number of 

dependents. Successful applicants can bring all 

children under 18, all those over 18 if they’re fulltime 

students, and their parents too if they’re 

over 65. It’s very attractive for family-oriented 

societies,” he continued. 

“Many sophisticated high-end applicants are 

attracted by the fact that there’s a lot of business 

opportunity here if you 

have access to capital. 

Wealthy people who want to 

work will find a lot of investment opportunities. 

“And it’s tax favourable too, as one’s worldwide 

income is not taxed. You can keep your earnings 

out of Antigua, and have a business identity 

that’s not subjected to scrupulous political 

observance in your home country, for example, 

nations which may be economically unstable.” 

There are currently no nationalities prohibited 

from applying for an Antigua & Barbuda 

passport, and there are no economic conditions 

either, unlike places such as Canada and the UK. 

“All that is required is that they maintain their 

investment for five years - which is the length 

of the passport - and they have to reside here 

for a minimum of 35 days during the five years. 

Provided they do that, they then automatically 

get a renewal,” Mr Myatt added. 

Home to just 80,000 people, Antigua & Barbuda 

has long been a favourite haunt among 

international holidaymakers. A former British 

colony – where enchanting Georgian ruins are 

a beguiling nod to yesteryear – Antigua still 

follows UK law which makes buying property 

a seamless process. The country is also known 

for its breathtaking tropical scenery, historical 

sites, high-energy Carnival festivities and worldfamous 

sailing regattas. 

Visit www.antigua-citizenship.com for more 

information on the scheme and 

www.luxurylocations.com to browse properties 

for sale. 



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أنتيغوا وباربودا:‏ 

ف 

المواطنة ي 

التيع:‏ 

n المواطنة من خالل قانون الستثمار 2013 

ي . 

n المواطنة من قبل الستثمار تعديل لوائح 2013 

(CIP) تأسست المواطنة من خالل برنامج الستثمار 

ف 

بالموافقة ب اللمانية ي 

أنتيغوا وباربودا المواطنة ‏.من خالل قانون الستثمار 2013. 

القسم 6 من المواطنة بموجب قانون 

ف 

وترد لوائح بشأن المواطنة عن طريق الستثمار ي أنتيغوا وباربودا ي 

الستثمار،‏ 2013. هذه أ الحكام ي ت ال‏ تسمح للحكومة بتشغيل ب النامج يتم بموجبها منح الجنسية أ لالشخاص 

ي ن المؤهل‏ بموجب ي معاي‏ ي ت ال‏ وضعها القرار ب اللما‏ 

متطلبات وإجراءات:‏ 

يتطلب شخص لتقديم مساهمة اقتصادية ي كبة للبلد،‏ وتخضع (CIP) المواطنة من خالل برنامج الستثمار 

لإجراءات تطبيق ‏امة،‏ بما ي ذلك تحريات شاملة عل ي ن المتقدم‏ وأهم للتأهل للحصول عل 

الجنسية:‏ 

n كمية ي غ‏ قابلة ت لالسداد الحد أ ال ن د‏ من 250،000 دولر (CDF) مساهمة ي الصندوق ي ن الوط‏ للتنمية 

أمري يك 

n استثمار ما ل يقل عن 400،000 دولر ي واحدة من المشاريع العقارية المعتمدة ي ت وال‏ ستعقد لمدة ل تقل 

عن 5 سنوات 

أ العمال التجارية المؤهلة كالمستثمر الوحيد أو 

ف 

n استثمار ما ل يقل عن 1،500،000 دولر أمريكي ش مباة ي 

استثمار ت مشك ي ن ب‏ 2 أشخاص عل أ القل ي أ العمال المؤهلة بلغ مجموعها 5،000،000 دولر أمريكي عل أ القل 

ولكل من هؤلء أ الشخاص بشكل فردي تستثمر ما ل يقل عن 400،000 دولر أمري يك 

جميع الخيارات الستثمارية الثالثة تخضع لمعالجة الحكومة والرسوم العناية الالزمة 

ي ن المتقدم‏ ي غ‏ ي ن مؤهل‏ عل النحو التاىلي : 

طلبه 

ف 

n قدم مقدم الطلب معلومات كاذبة ي 

n ينص طبيب أن أيا من أفراد أ ال ‏ة ي يعا‏ من مرض معد و / أو مشاكل صحية ي خطة 

أي بلد لجريمة عقوبتها القصوى الحبس ما يزيد عل ستة أشهر سجنا 

ف 

ي أي وقت قد أدين سابقا ي 

ئ جنا‏ 

n هو محل تحقيق ي 

n 

n هو خطر محتمل عل أ المن القومي أ لنتيغوا وباربودا أو إىل أي بلد آخر 

أي نشاط من المحتمل أن يسبب سوء السمعة أ لنتيغوا وباربودا 

ف 

n المشاركة ي 

n تم رفض منحه ي تأشة إىل بلد تربطه أنتيغوا وباربودا به السفر بدون ي تأشة والذي لم يحصل بعد عل 

ي تأشة دخول إىل البلد الذي أصدر الحرمان 

قد يحدث الحرمان من المواطنة إذا كان المواطن ل ي ض يق‏ ما ل يقل عن 35 يوما ي أنتيغوا وباربودا خالل ت فة 

خمس سنوات ميالدية بعد أن حصل عل الجنسية وأنهم لن يكون لهم الحق ي سداد أي استثمار،‏ مساهمة أو 

سعر ش الاء المقدمة منهم ي الطلب أ الصلي للحصول عل الجنسية.‏ 

والحرمان من المواطنة تحدث إذا تم الحصول عل هذا التسجيل كمواطن من خالل الكذب أو تزوير أو إخفاء 

متعمد للحقائق مادية أو قد أدانت الشخص ي أنتيغوا وباربودا لعمل من أعمال الخيانة أو الفتنة.‏ 

ي ن المعال‏ : 

الطلبات أ ال ‏ة ليشمل أفراد أ ال ‏ة التالية:‏ 

ف 

سوف يتم النظر ي 

n الزوجة لمقدم الطلب الرئي ي س 

n طفل لمقدم الطلب ي الرئيس أو له أو لها الزوج الذي هو أقل من 18 سنة من العمر 

n طفل لمقدم الطلب ي الرئيس أو له أو لها الزوج الذي هو 18 سنوات عل أ القل،‏ وأقل من 26 سنة من 

العمر والذي هو ي كامل وقت الحضور ي مؤسسة ت معف بها من التعليم العاىلي وبدعم كامل من مقدم الطلب 

الرئي ي س 

n طفل لمقدم الطلب ي الرئيس أو الزوج لمقدم الطلب ي الرئيس الذي ل يقل عن 18 سنة من العمر،‏ الذي 

يكون معاق جسديا أو عقليا،‏ والذي يعيش مع ومدعوم بالكامل من قبل مقدم الطلب الرئي ي س 

n آ الباء أو أ الجداد لمقدم الطلب ي الرئيس أو له أو لها الزوجة فوق سن 65 عاما الذين يعيشون مع 

‏.ومدعومون بالكامل من قبل مقدم الطلب الرئي ي س 

الفوائد:‏ 

جواز سفر أنتيغوا وباربودا:‏ 

وسوف يكون جواز السفر صالحا لمدة 5 سنوات،‏ وسيتم النظر ي التجديد إىل المتلقي بعد أن أم‏ ما مجموعه 

ي أنتيغوا وباربودا،‏ منذ حصوله عل الجنسية،‏ خالل ت فة 5 سنوات،‏ جواز السفر ل يستطيع أن يعطي 

حقوق التصويت تلقائيا وتحتاج إىل تأهيل أ الشخاص عل النحو ي ن المب‏ ي تمثيل قانون السكان.‏ 

وجواز السفر يحمل ي تأشة سفر مجانية لحامله اىلي 131 بلدا ي ت ال‏ تضم كندا وهونغ كونغ وسنغافورة والمملكة 

المتحدة والتحاد أ ال ب ي ورو‏ . 

35 يوما 

كيفية ي الم‏ قدما:‏ 

ي تحتاجها هي كما يلي : 

الوثائق ال‏ ت 

AB1 n استمارة الطلب من أجل المواطنة عن طريق الستثمار 

AB2 n صورة فوتوغرافية ونموذج توقيع الشهادة 

AB3 n شهادة طبية نموذج 

AB4 n نموذج تأكيد الستثمار 

AB5 n نموذج الوكيل 




About Dominica 

Dominica, officially the Commonwealth of Dominica, is an island nation in the Lesser 

Antilles region of the Caribbean Sea, south-southeast of Guadeloupe and northwest 

of Martinique. Its size is 750 square kilometers (290 sq. mi) and the highest point in 

the country is Morne Diablotins, which has an elevation of 1,447 meters (4,747 ft.). The 

Commonwealth of Dominica had a population of 71,293 at the 2011 Census. The capital is 

Roseau, which is located on the leeward side of the island. 

Dominica has been nicknamed the “Nature Isle of the Caribbean” 

for its unspoiled natural beauty. It is the youngest island in the 

Lesser Antilles, still being formed by geothermal-volcanic activity, 

as evidenced by the world’s second-largest hot spring, Boiling Lake. The 

island features lush mountainous rainforests, home of many rare plant, 

animal, and bird species. There are xeric areas in some of the western 

coastal regions, but heavy rainfall can be expected inland. Dominica is the 

only country in the world with a count of 365 rivers. The Sisserou Parrot 

(also known as the Imperial Amazon), is found only on the Caribbean 

Island of Dominica and is the island’s national bird. It is featured on the 

national flag. Dominica’s economy is heavily dependent on both tourism 

and agriculture. 

Geography: 

Dominica is largely covered by rainforest and is home to the world’s 

second-largest hot spring, Boiling Lake. Dominica has many waterfalls, 

springs, and rivers. The Calibishie area in the country’s northeast has 

sandy beaches. Some plants and animals thought to be extinct on 

surrounding islands can still be found in Dominica’s forests. The volcanic 

nature of the island has attracted scuba divers. The island has several 

protected areas, including Cabrits National Park, as well as 365 rivers. 

Dominica, known as “The Nature Island of the Caribbean” due to its 

spectacular, lush, and varied flora and fauna, which are protected by 

an extensive natural park system; the most mountainous of the Lesser 

Antilles, its volcanic peaks are cones of lava craters and include Boiling 

Lake, the second-largest, thermally active lake in the world possesses the 

most pristine wilderness in the Caribbean. Originally, it was protected 

by sheer mountains, which led the European powers to build ports and 

agricultural settlements on other islands. More recently, the citizens of 

this island have sought to preserve its spectacular natural beauty by 

discouraging the type of high-impact tourism, which has damaged 

nature in most of the Caribbean. 

Citizenship in Dominica: 

Government views the economic citizenship program as one component 

of its national capital mobilization portfolio towards its ultimate goal of 

national development and as such intends to channel capital from the 

economic citizenship program towards public and private sector projects 

where a need is identified. Public sector projects identified for financing 

under the program include (1) building of schools, (2) renovation of the 

hospital, (3) building of a national Sports stadium and (4) towards the 

promotion of the Offshore Sector. With respect to private sector projects, 

government emphasis is on the tourism, information technology and 

agricultural sectors and therefore public sector projects to be financed 

under the program will fall within one of these sectors. 

Requirements: 

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Investors must be over 21 years of age. 

Applicants for Economic Citizenship must be of outstanding 

character. 

Application must be on the prescribed form and all necessary 

supporting documentation must be provided. 

Included in the package also must be a letter of application for 

economic citizenship addressed to the Minister responsible 

for Citizenship stating the reason(s) for applying for economic 

citizenship. 

Application forms must be signed by applicant or by the parent or 

lawful guardian of children below eighteen (18) years old. 

Applicants must have a basic knowledge of the English language. 

Each investor/applicant under the program shall deposit into the 

appropriate account at the National Commercial Bank of Dominica 



the amount of their investment. This amount shall not be withdrawn 

from the account unless the application is withdrawn, rejected 

or approved. In either of the first two cases, the applicant will be 

refunded. However, if the application is rejected because of false 

information or declarations, forged or fraudulent documents 

submitted by the applicant then the investment will be forfeited to 

the Commonwealth of Dominica and shall not be refunded. 

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If the application is refused, all sums (net of bank charges and 

exchange rate differential) paid into the designated account shall be 

refunded to the applicant within one (1) month of the rejection of 

the application. However, no sums paid as fees to Government on 

applications for economic citizenship shall be refunded. A request for 

refund shall be addressed to the Minister for Finance. 

Processing of applications for economic citizenship can take at least 

eight (8) weeks. 

All applicants for Economic Citizenship must have a promoter/agent. 

Overseas promoters must work with a local agent/promoter. 

Procedure: 

Step One: Preparation of applications 

Step two: Submission of application 

Step Three: Comfort Letters and Investment Deposits 

Step Four: Interviews, Taking Of Oaths & Naturalization 

Step Five: Procurement of Passports 

Benefits 

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Citizenship for Life - for applicant and eligible family members. 

Very affordable: The ideal choice with this low cost. 

Dual Citizenship - is permitted and there is no residence requirement. 

Fast process: Quick process. Granting of citizenship and passport 

from four to six months. 

Passports - 10-year validity for adults; 5-year validity for children 

under 16 years of age. All passport holders have the right to renew as 

“Citizens” with very low cost. 

Visa-Free Travel - to more than 100 countries including United 

Kingdom, Singapore and most British Commonwealth member 

countries. Where a visa is required, they are relatively easy to obtain. 

Tax Free Status - on Foreign Income, Capital Gains, Gift, Wealth and 

Inheritance Tax. 

As a citizen of Dominica, it is easier to obtain Work / Residence 

permits in a great number of countries. 

Tax free: Tax-free for many things. 

Residency Permission: Residency permission in UK and EU as well as 

Dominica. 

Confidentiality: No information to the country of your current 

citizenship or residency. 

Dominica is the key to preserve your wealth in a tax haven. There are 

no capital gains, gift, wealth and inheritance taxes. 

Protection of bank accounts, real estate and businesses, both abroad 

and within your own country. 

Residential permit is easier to obtain by Dominican citizens wishing 

to reside in Monaco, Switzerland, Andorra, United Kingdom, 

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Bermuda, Cayman Islands, Bahamas and other Caribbean countries. 

Dominica has a democratic government and Prime Minister is 

elected by direct people vote. 

Freedom to do business with the whole world including US and UK. 


Promoters/Agents/Applicants should familiarize themselves with the list 

of required documents. All the listed documents must be included in the 

application package in order for applications to be processed. 

Contact an approved due diligence agency, to conduct the due diligence 

investigations. 



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حول دومينيكا:‏ 

غوادلوب 

ق 

دومينيكا،‏ رسميا كومنولث دومينيكا،‏ هي دولة جزيرة ي جزر أ االنتيل الصغرى ي منطقة البحر ب ي الكاري‏ ، جنوب ش رس ي 

وشمال غرب مارتينيك.‏ حجمها 750 كيلو ت م‏ مربع )290 ميل مربع(‏ وأعىل نقطة ي البالد هي مورن ديابلوتن،‏ ي ت ال‏ لديها ارتفاع 

ت ا )4،747 قدم(.‏ كان لكومنولث دومينيكا يبلغ عدد سكانها 71293 ي تعداد عام 2011. العاصمة هي روسو،‏ وال‏ 

تقع عىل الجانب المواجه للريح من الجزيرة.‏ 

 

1،447 م‏ 

المتطلبات:‏ 

n يجب أن يكون المستثمرون أك‏ ث من 21 عاما من العمر.‏ 

n يجب أن يكون ي ن المتقدم‏ للحصول عل المواطنة القتصادية ذو طابع متمز.‏ 

n يجب أن يكون التطبيق عل النموذج المعد ويجب ي توف‏ جميع الوثائق الداعمة الالزمة.‏ 

n يجب أن تحتوي الحزمة أيضا رسالة من التطبيق للحصول عل الجنسية القتصادية الموجهة إىل 

الوزير المسؤول عن المواطنة ي مشا إىل أن السبب ‏)ق(‏ لتقديم طلب للحصول عل الجنسية القتصادية.‏ 

n يجب أن يتم توقيع استمارات الطلب من قبل مقدم الطلب أو من الوالدين أو الوص ي القان 

لال أ طفال دون الثامنة ع‏ ش ة )18( سنة.‏ 

n يجب أن يكون المتقدم حاصال عل المعرفة أ الساسية للغة ي ز الإنجلية.‏ 

البنك أ اله 

ف 

n كل مستثمر / مقدم الطلب ي إطار ب النامج يجب أن يودع ي الحساب المناسب ي 

التجاري دومينيكا كمية من استثماراتهم.‏ ل يجوز سحب هذا المبلغ من الحساب ما لم يتم سحب الطلب،‏ رفض 

أو الموافقة.‏ ي أي من ي ن الحالت‏ أ ال ي ن ولي‏ ، فإن مقدم الطلب يكون ردها.‏ ومع ذلك،‏ إذا تم رفض الطلب بسبب 

معلومات كاذبة أو إعالنات أو ملفقة أو مزورة الوثائق المقدمة من قبل مقدم الطلب ثم سيتم مصادرة 

الستثمار لكومنولث دومينيكا،‏ ويجب أل ترد.‏ 

n ‏(إذا تم رفض الطلب،‏ جميع المبالغ ‏)بعد خصم الرسوم المفية وسعر الف التفضيلية 

ي حساب مخصص يتم ردها لمقدم الطلب ضمن واحد )1( شهر من رفض الطلب.‏ ومع ذلك،‏ ليست 

المبالغ ي ت ال‏ دفعت كرسوم للحكومة بشأن طلبات الحصول عل الجنسية القتصادية يجب ردها.‏ ويوجه طلب 

للحصول عل رد لوزير المالية.‏ 

المدفوعة 

دومينيكا ملقبة ب ‏“طبيعة جزيرة ب ي الكاري‏ ” لجمالها الطبيعي ي غ‏ الملوث.‏ هي أصغر جزيرة ي جزر أ النتيل.‏ 

الصغرى،‏ ل يزال يشكلها النشط الحرارية أ ال رضية ب الكانية،‏ كما يتضح من ي ثا‏ ب أك‏ الينابيع الساخنة ي العالم،‏ 

ي بحة الغليان.‏ ي ز مات الجزيرة المورقة الغابات ي المطة الجبلية،‏ موطن العديد من النباتات النادرة والحيوانات،‏ 

وأنواع الطيور.‏ هناك مناطق ي الشجات ي بعض المناطق الساحلية الغربية،‏ ولكن يمكن توقع هطول أ المطار 

الغزيرة الداخلية.‏ دومينيكا هي البلد الوحيد ي العالم بها 365 نهر.‏ وسيو الببغاء ‏)المعروف أيضا باسم 

‏.المازون ب الماطوري(،‏ وجدت فقط عل جزيرة دومينيكا ومنطقة البحر ب ي الكاري‏ هو الطائر ي ن الوط‏ ي الجزيرة 

أ 

هو وارد عل العلم ي ن الوط‏ . اقتصاد دومينيكا يعتمد اعتمادا ي كبا عل كل من السياحة والزراعة.‏ 

الجغرافيا:‏ 

وتغطي الغابات ي المطة دومينيكا إىل حد ي كب‏ وتعد موطنا ي لثا‏ ب أك‏ الينابيع الساخنة ي العالم،‏ ي بحة الغليان.‏ 

ي ي شمال ش ‏ق البالد والشواطئ الرملية.‏ 

دومينيكا ديها العديد من الشاللت والينابيع أ والنهار.‏ منطقة كاليبيسش 

بعض النباتات والحيوانات يعتقد أنها انقرضت ي الجزر المحيطة بها ل يزال من الممكن العثور عليها ي غابات 

دومينيكا.‏ وقد جذبت الطبيعة ب الكانية للجزيرة ي ن غواص‏ . الجزيرة لديها عدة مناطق محمية بما ي ذلك كابريتس 

الحديقة الوطنية،‏ فضال عن 365 أ النهار.‏ 

دومينيكا،‏ والمعروفة باسم ‏“جزيرة الطبيعية ي ب ي الكاري‏ ” بسبب الطبيعة المذهلة،‏ الخصبة،‏ والنباتات والحيوانات 

المتنوعة،‏ ي ت وال‏ يحميها نظام حديقة طبيعية واسعة.‏ أ ال ث ك‏ الجبلية من جزر أ النتيل الصغرى،‏ القمم ب الكانية 

ي ت ال‏ هي المخاريط من حفر الحمم ب الكانية،‏ وتشمل ي بحة الغليان،‏ و،‏ ي البحة النشطة حراريا ي ثا‏ ب أك‏ دولة 

العالم تمتلك ب الية أ ال ث ك‏ نقاء ي منطقة البحر الكاري‏ ي أ الصل،‏ تم حمايتها من قبل الجبال الهائلة،‏ ال‏ 

ن مواط‏ 

قادت القوى أ ال وروبية لبناء ز أ الموا‏ والمستوطنات الزراعية عل الجزر أ الخرى.‏ ي و‏ آ الونة أ ال ي خة فقد عمل ي 

هذه الجزيرة للحفاظ عل جمالها الطبيعي المذهل الذي ي ن ث‏ النوع من السياحة عالية ي التأث‏ الذي أ‏ 

ي معظم منطقة البحر ب ي الكاري‏ . 

n ي ز تجه‏ الطلبات للحصول عل الجنسية القتصادية يمكن أن ل يقل عن ثمانية )8( أسابيع.‏ 

n يجب عل جميع ي ن المتقدم‏ للحصول عل المواطنة القتصادية ان يكون لهم أحد ي ن المروج‏ 

الوكالء.‏ 

ب ي . 

الطبيعة 

المواطنة 

ي 

ي دومينيكا:‏ 

ترى الحكومة برنامج المواطنة القتصادية كأحد مكونات المحفظة الوطنية لتعبئة رؤوس أ الموال نحو الهدف 

النها‏ ي التنمية الوطنية وعل هذا النحو ت ز تعم توجيه رؤوس أ الموال من برنامج المواطنة القتصادية نحو 

مشاريع ي ن القطاع‏ العام والخاص حيث تم تحديد الحاجة.‏ وتشمل مشاريع القطاع العام ي ت ال‏ تم تحديدها 

ي إطار برنامج )1( بناء المدارس،‏ )2( تجديد المستشفى،‏ )3( بناء الستاد ي ض الريا‏ ي ن الوط‏ و )4( من 

أجل تعزيز القطاع البحري.‏ فيما يخص مشاريع القطاع الخاص،‏ ت وال‏ ي ز ك‏ الحكومي عل السياحة،‏ وتكنولوجيا 

المعلومات والقطاعات الزراعية ومشاريع القطاع العام وبالتاىلي يتم تمويلها ي إطار ب النامج وسوف تقع ضمن 

واحدة من هذه القطاعات.‏ 

للتمويل 



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االإجراءات:‏ 

الخطوة أ االول:‏ إعداد النماذج 

الخطوة الثانية:‏ تقديم الطلبات 

الخطوة الثالثة:‏ رسائل الراحة وودائع الستثمار 

الخطوة الرابعة:‏ المقابالت،‏ وعمل خطاب القسم والجنسية 

الخطوة الخامسة:‏ الحصول عل الجوازات 


موناكو 

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n ‏،تيح ي ن سك‏ أسهل للحصول الدومينيكان من قبل ي ن المواطن‏ ي ن الراغب‏ ي الإقامة ي 

وسويا،‏ وأندورا،‏ والمملكة المتحدة،‏ وبرمودا،‏ وجزر كايمان،‏ وجزر البهاما ي وغها من الدول الكاريبية.‏ 

n دومينيكا ديها حكومة ديمقراطية ويتم انتخاب رئيس الوزراء ت بالقاع المبا‏ الناس.‏ 

ذلك الوليات المتحدة وبريطانيا.‏ 

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n الحرية ي القيام بأعمال تجارية مع العالم كله بما ي 


يجب عل ي ن المروج‏ / الوكالء / ي ن المتقدم‏ ان يطلعوا عل قائمة الوثائق المطلوبة.‏ يجب ي ن تضم‏ كافة الوثائق 

المدرجة ي حزمة التطبيق من أجل التطبيقات ي ت ال‏ سيتم ي ز تجهها.‏ 

التصال بوكالة العناية الواجبة المعتمدة،‏ لإجراء تحقيقات العناية الواجبة.‏ 

n المواطنة مدى الحياة أ ‏-لفراد أ ال ‏ة ومقدم الطلب ي ن المستحق‏ . 

n بأسعار معقولة جدا:‏ الخيار المثاىلي مع هذه التكلفة المنخفضة.‏ 

n الجنسية المزدوجة ‏-هو مسموح وليس هناك ش ط الإقامة.‏ 

n عملية ‏يعة:‏ عملية ‏يعة.‏ منح المواطنة وجواز سفر من أربعة إىل ستة أشهر.‏ 

n الجوازات 10- عاما لصحة الكبار؛ صالحية لمدة 5 سنوات أ لالطفال دون سن 16 سنة من العمر 

جميع حاملي جوازات السفر لهم الحق ي تجديد باسم ‏“مواطنون”‏ مع تكلفة منخفضة جدا.‏ 

n بدون ي تأشة السفر ‏-إىل ث أك‏ من 100 دولة من بينها المملكة المتحدة وسنغافورة ومعظم الدول 

العضاء ي الكومنولث ب ال‏ ي يطا‏ . حيث الحصول عل ي تأشة،‏ فهي سهلة نسبيا ي الحصول عليها.‏ 

أ 

n العفاء من ض الائب ‏-عل الإيرادات الخارجية،‏ أ الرباح الرأسمالية،‏ ث والوة ي والماث ض الائب.‏ 

n كمواطن دومينيكا،‏ فمن أ السهل الحصول عل تصاريح عمل / الإقامة ي عدد ي كب‏ من البلدان.‏ 

n معفاة من الائب:‏ معفاة من ض الائب أ لشياء ي كثة.‏ 

n إذن الإقامة:‏ إذن الإقامة ي المملكة المتحدة والتحاد أ ال ب ي ورو‏ وكذلك دومينيكا.‏ 

n الية:‏ ل توجد معلومات إىل بلد المواطنة أو الإقامة الحالية.‏ 

n دومينيكا هو مفتاح للحفاظ عل أموالكم ي مالذ ب ي ي‏ . ل توجد أرباح رأس المال والهدايا 

ث والوة ي والماث ض الائب.‏ 



About Grenada 

Grenada is an island country consisting of the island of Grenada and six smaller islands 

at the southern end of the Grenadines in the southeastern Caribbean Sea. Grenada is 

located northwest of Trinidad and Tobago, northeast of Venezuela, and southwest of Saint 

Vincent and the Grenadines. 

Grenada is also known as the “Island of Spice” because of the 

production of nutmeg and mace crops of which Grenada is one 

of the world’s largest exporters. Its size is 344 square kilometers 

(133 sq. mi), with an estimated population of 110,000. Its capital is 

St. George’s. The national bird of Grenada is the critically endangered 

Grenada Dove. 

Grenada Geography: 

Grenada has 15 constituencies and speaks English. It is volcanic in origin 

and its topography/landscape is mountainous. 

Natural resources include timber, tropical fruit and deep-water harbors. 

Grenada and its largely uninhabited outlying territories are the most 

southerly of the Windward Islands. The Grenadine Islands chain consists 

of some 600 islets; those south of the Martinique Channel belong to 

Grenada, while those north of the channel are part of the nation of St. 

Vincent and the Grenadines. Located about 160 kilometers north of 

Venezuela, Grenada and its territories occupy a small area of 433 square 

kilometers. The island is oval shaped and framed by a jagged southern 

coastline; its maximum width is thirty-four kilometers, and its maximum 

length is nineteen kilometers. St. George’s, the capital and the nation’s 

most important harbor, is favorably situated near a lagoon on the 

southwestern coast. Of all the islands belonging to Grenada, only two are 

of consequence: Carriacou, with a population of a few thousand, and its 

neighbor Petit Martinique, roughly 40 kilometers northeast of Grenada 

and populated by some 700 inhabitants.. 

Citizenship in Grenada: 

The Grenada Citizenship by Investment Committee is the main 

government appointed body tasked with the responsibility to oversee 

the processing of applications for Grenadian citizenship either by 

investment or by permanent residence. 

The Committee assesses the applications in accordance with the 

Grenadian Citizenship by Investment Act after which recommendations is 

made to the Minister who will make the final decision to deny, approve or 

delay granting Grenadian Citizenship. 

At present, you can gain citizenship in Grenada through the Grenada 

Citizenship by Investment Program by two ways: 

n Citizenship by Investment 

n Permanent Resident by Investment. 

Investment options: 

The new Grenada Citizenship-by-Investment program is the hot news 

in the Citizenship-by-Investment world these days. Unlike in some other 

similar residency and citizenship programs, you can participate in the 

Grenadian citizenship program by invitation only. The Government of 

Grenada through a strict “Know your client” procedure will approve the 

main applicant and his /her family members individually. This approach 

aims to preserve the prestige and the value of the Grenadian citizenship 

and passport. Investment Options with the Grenada Citizenship Program 

are as follows: 

Option One – US$1M Investment Required 

The first option includes two citizenships and is ideal where there are 

at least two main applicants. This first option includes full freehold 

ownership of a luxury apartment and two shares in the operating profits 

at Mount Cinnamon Hotel; two of only 500 issued shares in the company 

that owns the hotel business; and two Main Citizenships. 

Option Two – US$500,000 Investment Required 

Option two is where a single applicant wishes to apply on his/her own. 

It includes a 50% freehold interest in a luxury one-bedroom apartment, 

one share in the operating profits of the entire hotel business, and one 

Citizenship. 



WSt. George’s, the capital and the nation’s most 

important harbor, is favorably situated near a lagoon 

on the southwestern coast. 

In either of the above cases, all application fees, government fees, and 

due diligence fees are included for the main applicants. However, very 

reasonable additional fees will apply for all supplementary applicants 

applied for by the main applicant such as spouse, dependent children 

under 26 years of age, and dependent parents. 

Please note that all child and parent applications are for children and 

parents financially dependent on the main applicant. 

n Grenadian Citizenship holders enjoy the freedom of travel to over 110 

countries visa free to the UK and most Schengen area countries. 

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Business Advantages – An investment in Mount Cinnamon comes 

with many tax advantages including relief from income tax and 

capital gains tax. 

Applicants enjoy preferred access and, in some cases, grants to many 

top schools and universities. 

The secure banking system in Grenada offers a safe place to deposit 

funds with attractive interest rates. 

Option Three – Nonrefundable donation 

A non-refundable donation to the Island Transformation Fund. This 

option although not ready to receive applications currently is available 

in a two-steps program for a little over US$200,000. This process involves 

first obtaining Grenada Permanent Residence and then applying for 

naturalization as a second step. 

Procedures: 

While the process of applying to become a Grenadian Citizen cannot be 

outlined in steps as easy as 1, 2, 3, once you meet the requirements and 

follow the recommended application process, you will see that it is stress 

free. Pay attention to the process described below and you will be well 

on your way to acquiring your citizenship. 

n Contact an authorized agent 

n Submission of Forms and Fees First, you must complete the 

required forms, submit the due diligence fees and 10% of the 

processing fees. These must be accompanied by copies of a police 

certificate and a certificate by a medical practitioner confirming 

that the applicant and his dependents are free from communicable 

diseases and in good health. 

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Provision of Sworn Affidavit If you are the main applicant, you must 

provide a sworn affidavit of support of each dependent over 18 years 

of age. This is with exception of his or her spouse. 

Acceptance of Forms Your forms will then be accepted only if they 

are properly completed, dated and signed and accompanied by all 

the necessary documents and fees unless in special circumstances 

permitted by the Committee. 

Proof of Financial Resources You must provide proof of your 

financial resources before your application is considered. You can do 

this by having the monies placed in an irrevocable escrow account 

controlled and managed by a local agent who has been selected by 

a marketing agent. 

Application Examination The committee will then examine your 

application. 

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Due Diligence Checks, The committee may engage the services of an 

individual(s) or bodies that are professional, qualified and independent 

to conduct due diligence checks towards you and any of your 

dependents over the age of 11. This can result in you being required to 

attend an interview in Grenada or High Commission of Grenada. 

Application Approval, Denial or Delay a recommendation will 

be made by the Committee to the Minister to grant, deny or delay 

citizenship or permanent residence based on the outcome of the 

application. 

Benefits: 

Secure – Based on English law, the social and political life in Grenada is 

stable and very appealing. Grenada is a member of the United Nations 

and the Commonwealth of Nations. 

Freedom to travel – Grenada passport holders can currently travel to 

over 80 countries, including the UK, without the need for a visa. The 

European parliament has recently agreed to include Grenada in the 

Schengen treaty, which will add another 30 plus countries. By Treaty with 

the United States, the E2 treaty ‘Investor Visa’ for Grenada citizens allows 

an applicant to operate a substantial business in the United States and 

reside therein. 

Business Advantages – An investment in Port Louis or Mount Cinnamon 

comes with many tax advantages including income tax and capital gains 

tax. Through a relationship with these prestigious developments investors 

will also have many other opportunities to invest in Grenada on favorable 

terms. 

Education – Citizens of Grenada, through its membership of the 

Commonwealth, enjoy preferred asset and in some cases grants 

to many top schools and universities. Grenada is also home to St 

George’s University, an American medical, veterinary and arts & science 

educational institution 

Asset Relocation – The very secure banking system in Grenada, through 

many of the large Canadian banks with branches here, offer a safe place 

to deposit funds with attractive interest rates and the currency is parity to 

the US$ at US$1:EC$2.67. 

Fiscal Governance – Through investment in this program there is no 

exchange control nor other restriction on the inward or outward transfer 

of US dollars. Investments are made and realized in US dollars. 

How to Proceed: 

You can proceed by contacting one of the authorized agents, and check 

what option of investments you are interested in, and then discuss it with 

the agent and review all your alternatives before going through with your 

decision. 



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حول غرينادا:‏ 

 

غرينادا هي دولة جزيرة تتألف من جزيرة غرينادا وستة جزر ي صغة ي الطرف ب ي الجنو‏ من جزر غرينادين ي بحر ب ي الكاري‏ 

ب ي الجنو‏ ال‏ ي . يقع شمال غرب غرينادا ترينيداد وتوباغو،‏ شمال ش رسق ف ف فويال،‏ والجنوب ب ي الغر‏ من سانت فنسنت وجزر 

غرينادين.‏ 

 

برنامج المواطنة جرينادا عن طريق 

ف 

لما حدث ي بعض برامج الإقامة والمواطنة مماثلة أخرى،‏ يمكنك ت الشاك ي 

الدعوة فقط.‏ وتعمل حكومة غرينادا من خالل ‏“اعرف عميلك”‏ إجراءات صارمة توافق مقدم الطلب الرئي ي س 

ولفراد أ ال ‏ة عل حدة.‏ ويهدف هذا النهج للحفاظ عل هيبة وقيمة المواطنة جرينادا وجواز السفر.‏ خيارات 

أ 

الستثمار مع برنامج المواطنة غرينادا وهي كما يلي : 

الخيار اال أ ول ‏)مليون دوالر(‏ مطلوبة لالستثمار:‏ 

ويشمل الخيار أ الول فرصة ي ن لجنسيت‏ ب ويعت‏ مثاليا ي حالة ان هناك ي ن اثن‏ عل أ القل من ي ن المتقدم‏ . ويشمل هذا 

الخيار أ الول التملك الحر الكامل لشقة فاخرة ي ن وسهم‏ ي أ الرباح التشغيلية ي فندق ‏“جبل القرفة”؛ اثنان فقط 

من 500 أسهم مصدرة من ش الكة ي ت ال‏ تملك قطاع الفنادق.‏ ي ن ومواطنت‏ ي ن رئيسيت‏ . 

ن الثا‏ ‏)نصف مليون دوالر(‏ مطلوبة لالستثمار:‏ 

الخيار ي 

شقة 

ف 

الخيار ي الثا‏ هو حيثما رغب طالب واحد أن يقدم بمفرده.‏ وهو يشتمل عل حصة 50٪ للتملك الحر ي 

فاخرة بغرفة نوم واحدة،‏ وسهم واحد ي أ الرباح التشغيلية أ لالعمال الفندق بأكمله،‏ ومواطنة واحدة.‏ 

ي أي من الحالت المذكورة أعاله،‏ يتم ي ن تضم‏ جميع رسوم الطلب ورسوم الحكومة،‏ وأتعاب العناية الواجبة 

عل مقدمي الطلب ي الرئيس . ومع ذلك،‏ سيتم تطبيق رسوم إضافية معقولة جدا لجميع ي ن المتقدم‏ بطلب 

للحصول التكميلي من قبل مقدم الطلب ي الرئيس كالزوج أ والطفال ي ن المعال‏ تحت 26 سنة من العمر،‏ آ والباء 

ي السن.‏ 

السن المعتمدين ماليا عل مقدم 

ف 

يرجى مالحظة أن جميع طلبات أ الطفال والوالدين هي أ لالطفال آ والباء الكبار ي 

الطلب ي الرئيس . 

الكبار 

تعرف غرينادا أيضا باسم ‏“جزيرة التوابل”‏ بسبب إنتاج محاصيل جوزة الطيب والتوابل ي ت وال‏ غرينادا هي واحدة من 

ب ‏.أك‏ الدول المصدرة لها ي العالم.‏ حجمها 344 كيلو ت م‏ مربع )133 ميل مربع(،‏ ويقدر عدد سكانها ب 110،000 

عاصمتها سانت جورج.‏ الطائر ي ن الوط‏ لغرينادا هو الحمامة المهددة بالنقراض.‏ 


أ الصل ولها تضاريس / مناظر طبيعية جبلية.‏ 

ف 

غرينادا لديها 15 دائرة انتخابية وتتحدث ي ز الإنجلية.‏ هي بركانية ي 

المياه العميقة.‏ 

ف 

وتشمل الموارد الطبيعية أ والخشاب،‏ والفواكه الستوائية والميناء ي 

غرينادا وأراضيها النائية ي غ‏ المأهولة إىل حد ي كب‏ هي معظم الجنوب من جزر ويند وارد.‏ تتكون سلسلة جزر 

غرينادين من نحو 600 جزيرة،‏ هؤلء الجنوب من قناة مارتينيك ينتمون إىل غرينادا،‏ ي ي ن ح‏ أن شمال القناة هو 

جزء من دولة سانت فنسنت وجزر غرينادين.‏ تقع عل بعد حواىلي 160 ت كيلوما إىل الشمال من ن ز فويال وغرينادا 

والقاليم التابعة لها تحتل مساحة ي صغة من 433 ت كيلوم‏ مربع.‏ الجزيرة هي عل شكل بيضاوي ويحكمه الساحل 

أ 

ب ي الجنو‏ . أق‏ عرض لها هو أربعة ي ن وثالث‏ ت كيلوما،‏ وأق‏ طوله تسعة ع‏ كيلو ت ما.‏ سانت جورج،‏ العاصمة 

ي البالد أ ال ث ك‏ أهمية،‏ ويقع بالقرب من ي بحة العطف عل الساحل ب ي الجنو‏ ب ي الغر‏ . من جميع الجزر 

تابعة لغرينادا،‏ وهما فقط هي من ذلك:‏ غرينادا،‏ وجزر،‏ ويبلغ عدد سكانها بضعة آلف،‏ وجارتها بي‏ 

مارتينيك،‏ نحو 40 كم شمال ش ‏ق غرينادا ويسكنها نحو 700 نسمة.‏ 

n يتمتع أصحاب المواطنة جرينادا بحرية السفر إىل ث أك‏ من 110 دولة بال ي تأشة إىل المملكة 

المتحدة ومعظم التحاد أ ال ب ي ورو‏ . 

ذلك تخفيف 

ف 

n مزايا أ العمال ‏-إن الستثمار ي ‏“جبل القرفة”‏ ي يأ‏ مع العديد من المزايا بما ي 

الائب من ‏يبة الدخل ويبة أرباح رأس المال.‏ 

n ي ن المتقدم‏ يستمتعون بأولوية ومنح إىل العديد من كبار المدارس والجامعات.‏ 

غرينادا ويقدم مكانا آمنا لإيداع أ الموال مع معدلت فائدة جذابة.‏ 

ف 

n النظام ي الم‏ آمن ي 

الخيار الثالث – ب التع ي الغ‏ قابل للرد:‏ 

ب تعا ي غ‏ قابل ت لالسداد لصندوق التحول الجزيرة.‏ هذا الخيار هو متاح حاليا ي برنامج ي ن بخطوت‏ ما يزيد قليال عن 

200،000 دولر أمريكي . هذه العملية تتضمن الحصول أول عل الإقامة الدائمة ومن ثم التقدم بطلب 

والميناء 

المواطنة 

ي غرينادا:‏ 

المواطنة غرينادا لجنة المواطنة خالل الستثمار ي غرينادا هي الهيئة الحكومية المكلفة ي ن بتعي‏ مسؤولية ش الإاف 

عل مراجعة طلبات الحصول عل الجنسية إما عن طريق الستثمار أو الإقامة الدائمة.‏ تقيم اللجنة للطلبات وفقا 

للمواطنة بواسطة قانون الستثمار وبعد ذلك يتم تقديم توصيات إىل مجلس الوزراء لتخاذ القرار ي النها‏ لإنكار 

أو الموافقة عليها أو ي تأخ‏ منح المواطنة.‏ ي الوقت الحا‏ ، يمكنك الحصول عل المواطنة بواسطة برنامج 

الستثمار ي ن بطريقت‏ : 

n المواطنة من قبل الستثمار 

n ي ن المقيم‏ ي ن الدائم‏ بواسطة الستثمار 

الخيارات االستثمارية:‏ 

عالم المواطنة خالل الستثمار هذه أ اليام.‏ خالفا 

ف 

برنامج المواطنة خالل الستثمار الجديد هو ب الخ‏ الساخن ي 



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خطوات سهلة،‏ بمجرد تلبية الحتياجات 

ف 

ي ي ن ح‏ أن عملية التقدم لتصبح مواطن غرينادى ل يمكن ان ش تح ي 

ومتابعة عملية التطبيق ي الموص بها،‏ ت سى أنها خالية من الإجهاد.‏ انتبه لهذه العملية الموضحة أدناه،‏ وسوف 

ي طريقك إىل الحصول عل الجنسية الخاصة بك.‏ 

مزايا أ االعمال ‏-إن الستثمار ي بورت لويس أو جبل القرفة ي يأ‏ مع العديد من المزايا اليبية بما ي ذلك ‏يبة 

الدخل ويبة أرباح رأس المال.‏ خالل العالقة مع هذه التطورات المرموقة،‏ سيكون للمستثمرين أيضا فرص 

أخرى ي كثة لالستثمار ي غرينادا ش بوط مية.‏ 

و‏ بعض الحالت المنح إىل 

ف 

التعليم ‏-مواطنو غرينادا،‏ من خالل عضويتها ي الكومنولث،‏ يتمتعون أ بالولوية،‏ ي 

العديد من كبار المدارس والجامعات.‏ غرينادا هي أيضا موطن لجامعة سانت جورج،‏ وهي أ المريكي الطبية 

والبيطرية والعلوم والفنون ومؤسسة تعليمية.‏ 

نقل أ االصول ‏-النظام ي الم‏ آمن جدا ي غرينادا،‏ من خالل العديد من البنوك الكندية ي الكبة ي ت ال‏ لها فروع 

هنا،‏ توفر مكان آمن لإيداع أ الموال مع معدلت فائدة جذابة.‏ 

االإ دارة المالية ‏-من خالل الستثمار ي هذا ب النامج ليست هناك سيطرة الف ول قيود أخرى عل نقل نحو 

الداخل أو نحو الخارج الدولرات أ المريكية.‏ تتم الستثمارات وتتحقق بالدولر أ المريكي . 


يمكن المتابعة عن طريق التصال بواحد من الوكالء المعتمدين،‏ وتحقق ما الخيارات من الستثمارات تهتم أنت 

بها،‏ ومن ثم مناقشته مع وكيل ومراجعة كل ما تملكونه من البدائل قبل ي ض الم‏ ي قراركم.‏ 

 

تكون 

n تواصل مع أحد الوكالء المعتمدين 

n تقديم النماذج والرسوم،‏ أول يجب استكمال النماذج المطلوبة،‏ وتقديم رسوم العناية الواجبة 

و‎10٪‎ من رسوم المعالجة.‏ هذا يجب أن يكون مصحوبا بنسخ من شهادة ش الطة وشهادة من طبيب مؤكدا أن 

مقدم الطلب والذين كان يعولهم سالمون من أ المراض المعدية وبصحة جيدة.‏ 

n تقديم شهادة قسم إذا كنت مقدم الطلب ي الرئيس ، يجب أن توفر شهادة مشفوعة ي ن بيم‏ 

الدعم من كل من يعتمدون عليك فوق سن 18 عاما من العمر.‏ هذا مع استثناء لك أو زوجتك.‏ 

n سيتم بعد ذلك قبول النماذج الخاصة بك فقط إذا أكملت بشكل صحيح،‏ مؤرخة وموقعة 

ومصحوبة بجميع الوثائق الالزمة والرسوم إل ي ظروف خاصة تسمح بها اللجنة.‏ 

طلبك.‏ يمكنك القيام 

ف 

n يجب أن تقدم دليال عل الموارد المالية الخاصة بك قبل أن يتم النظر ي 

بذلك عن طريق الحصول عل أ الموال ووضعها ي حساب خاص ل رجعة فيه يسيطر عليه ويديره وكيل ي ن المحلي‏ 

الذين تم اختيارهم من قبل وكيل التسويق.‏ 

n ستقوم اللجنة بعد ذلك بفحص طلبك.‏ 

n يجوز للجنة الستعانة بخدمات من الهيئات الفردية أو المهنية،‏ المؤهلة والمستقلة لإجراء 

فحوصات العناية الواجبة تجاهك وأي من تعولهم فوق سن 11. هذا يمكن أن يؤدي لك أن تكون ملزما لحضور 

مقابلة ي غرينادا أو المفوضية العليا غرينادا.‏ 

n سوف تتاح توصية من اللجنة اىل الوزير لمنح أو إنكار أو ي تأخ‏ المواطنة أو الإقامة الدائمة بناء 

عل نتائج التطبيق.‏ 


غرينادا مستقرة وجذابة للغاية.‏ غرينادا 

ف 

المان ‏-مرتكز عل القانون ي ز الإنجلي،‏ الحياة الجتماعية والسياسية ي 

أ 

ي أ المم المتحدة ورابطة أمم.‏ 

حرية السفر ‏-يمكن لحاملي الجواز،‏ السفر حاليا إىل ث أك‏ من 80 بلدا،‏ بما فيها المملكة المتحدة،‏ من دون الحاجة 

للحصول عل ي تأشة.‏ وقد وافق ب اللمان أ ال ب ي ورو‏ مؤخرا لتشمل غرينادا ي معاهدة شنجن،‏ الذي سيضيف 30 بلدا 

ي ز فا المستثمر ي ن للمواطن‏ غرينادا يسمح لمقدم“‏ E2 آخر.‏ من خالل معاهدة مع الوليات المتحدة ومعاهدة 

عضو 



About St.Kitts & Nevis 

St. Kitts & Nevis, also known in the country’s constitution as Saint Christopher and 

Nevis, has been independent since 1983 and forms part of the group of islands known 

as the Lesser Antilles, located some 2,000 km to the southeast of Miami. The Federation 

comprises two islands: Nevis with an area of some 93.2 km2 and St. Kitts with 168.4 km2. 

The official and business language is English. 

The Federation is a member of the United Nations (UN), of the 

Organization of American States (OAS), the British Commonwealth 

and many other international organizations. The Eastern Caribbean 

Central Bank has its headquarters on St. Kitts. It maintains the stability 

of the Eastern Caribbean Dollar (EC$), which is the national currency of 

most eastern Caribbean countries and is tied to the US Dollar. The head 

of state is the Queen of England. St. Kitts and Nevis is a well functioning 

democracy based on the British parliamentary system. 

St. Kitts and Nevis has a pleasant climate, particularly during the cooler 

months from December to March. Humidity is relatively low, and 

constant northeast trade winds keep the islands cool. St. Kitts & Nevis 

offers good opportunities for investors. The workforce is well-educated, 

English-speaking and friendly. The Government grants tax breaks, 

guaranteed repatriation of profits and concessions on import duties. 

There are no income or capital gains taxes, no net wealth taxes and 

no inheritance or gift taxes in St. Kitts & Nevis. 

Geography 

St. Kitts, the larger of the two islands, is roughly oval in shape except for 

a long, narrow peninsula to the southeast. Its highest point is Mount 

Liamuiga (3,792 ft [1,156 m]). The Narrows, a 2-mile- (3-km-) wide 

channel, separates the two islands. 

The circularly shaped Nevis is surrounded by coral reefs and the island is 

almost entirely a single mountain, Nevis Peak (3,232 ft [985 m]). A volcanic 

mountain chain dominates the center of both islands.. 

Citizenship in St.Kitts & Nevis 

Background 

The Government of St. Kitts & Nevis has introduced extensive legislation 

to attract financial services business to the island. St.Kitts & Nevis 

offers good opportunities to investors. The workforce is well-educated, 

English-speaking and friendly. The Government grants tax breaks, 

guaranteed repatriation of profits and concessions on import duties. 

There are no income or capital gains taxes and no inheritance or gift 

taxes in St.Kitts & Nevis. 

The Citizenship-By-Investment program has also been in operation 

since 1984: it allows foreign investors to acquire citizenship under 

certain conditions. This makes it the oldest existing citizenship-byinvestment 

program. It is also the most reputable citizenship program 

in existence. One can invest in either designated real estate or 

contribute to the Sugar Industry Diversification Foundation (“SIDF”). 

The St. Kitts & Nevis passport is very well regarded, as only relatively few 

passports have been issued under this program. As a result, St. Kitts & 

Nevis passport holders enjoy a passport with an excellent reputation 

and very good visa-free travel, including to all of the EU, Canada, Hong 

Kong, Switzerland, and other countries. Accordingly, the St. Kitts & Nevis 

citizenship-by-investment program is the most attractive option if one 

is looking to acquire a second citizenship through investment without 

prior residence requirements. 

The Citizenship Program of St. Christopher (St. Kitts) and Nevis was 

established in 1984 and requires applicants to make an economic 

contribution to the country. In exchange, they and their families are 

granted full citizenship. To qualify for citizenship, the applicant must 



The Government of St. Kitts & Nevis has 

introduced extensive legislation to attract 

financial services business to the island. 

make either an investment of at least US$ 400,000 in one of the approved 

real-estate developments in addition to paying government fees, other 

fees and taxes, or alternatively making a contribution to the Sugar 

Industry Diversification Foundation (SIDF) to the amount of US$ 250,000 

(for a single applicant). However, this includes all government fees with 

the exception of due diligence fees.. 

Requirements and Procedures 

To qualify for citizenship under the real estate option, the government 

requires applicants to make an investment in designated, officially 

approved real estate with a value of at least US$ 400,000 plus the 

payment of government fees and other fees and taxes. As the application 

procedure under this option involves the purchase of real estate, this can 

lengthen the processing time depending on the chosen property. Real 

estate can be re-sold 5 years after the purchase and may not qualify the 

next buyer for citizenship. 

Acquisition of citizenship under the SIDF option requires a contribution 

to the Sugar Industry Diversification Foundation 

Benefits 

When you acquire citizenship under the St. Kitts & Nevis citizenship 

program, you and your family enjoy full citizenship for life, which can be 

passed on to future generations by descent. 

As citizens of St. Kitts & Nevis, you and your family are issued with 

passports which allow visa-free travel to more than 120 countries and 

territories worldwide, including all of the EU. Of course you have the right 

to take up residence in St. Kitts & Nevis as well as in most of the CARICOM 

member countries at any time and for any length of time 


Applications for Citizenship cannot be lodged directly at the Citizenship 

-by-Investment Unit, instead it can only be handled by registered 

authorised persons. 



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معلومات عن سان كيتس نيفيس 

سانت كيتس ونيفيس،‏ والمعروف أيضا ي دستور الدولة باسم سانت كريستوفر ونيفيس،‏ كانت مستقلة منذ عام 1983 

وتشكل جزء من مجموعة من الجزر المعروفة باسم جزر أ االنتيل الصغرى،‏ وتقع حوالي 2,000 كم إل الجنوب ال‏ ي من 

لغة أ االعمال الرسمية هي KM2. وسانت كيتس بمساحة KM2 168.4 ميامي.‏ ويضم االتحاد ي ن جزيرت‏ : نيفيس بمساحة 93.2 

االإ ي ز نجلية.‏ 

 

عن طريق الستثمار دون ش وط الإقامة السابقة.‏ 

تم تأسيس برنامج المواطنة سانت كريستوفر ‏)سانت كيتس(‏ ونيفيس ي عام 1984 ويتطلب ي ن المتقدم‏ إجراء 

مساهمة اقتصادية للبالد.‏ ي مقابل ذلك،‏ يتم منحهم وأهم المواطنة الكاملة.‏ للتأهل للحصول عل الجنسية،‏ 

يجب عل مقدم الطلب تقديم إما باستثمار ما ل يقل عن 400،000 دولر ي واحدة من التطورات العقارية 

المعتمدة بالإضافة إىل دفع الرسوم الحكومية،‏ الرسوم ض والائب أ الخرى،‏ أو بدل من ذلك جعل مساهمة 

لمؤسسة تنويع صناعة السكر ‏)صندوق التنمية الصناعية السعودي(‏ بمبلغ 250،000 دولر أمريكي ‏)لطالب 

واحد(.‏ ومع ذلك،‏ وهذا يشمل جميع الرسوم الحكومية باستثناء رسوم العناية الواجبة.‏ 

المتطلبات واالإجراءات:‏ 

 

ف 

للتأهل للحصول عل الجنسية بموجب خيار العقارات،‏ تتطلب الحكومة من ي ن المتقدم‏ تقديم استثمار ي 

العقارات المعينة المعتمدة رسميا مع قيمة ل تقل عن 400،000 دولر أمريكي بالإضافة إىل دفع الرسوم الحكومية 

والرسوم ض والائب أ الخرى.‏ حيث ان إجراءات التطبيق تحت هذا الخيار تنطوي عل ش ‏اء العقارات،‏ هذا يمكن 

أن يطيل وقت المعالجة اعتمادا عل الممتلكات المختارة.‏ العقارات يمكن إعادة بيعها بعد 5 سنوات 

من ش الاء وربما ل يتأهل ت للمشي المقبل الحصول عل الجنسية.‏ 

اكتساب الجنسية بموجب الخيار ال أ خر يتطلب مساهمة أىلي صندوق التنمية الصناعية السعودي لمؤسسة تنويع 

صناعة السكر.‏ 


إطار برنامج مواطنة سانت كيتس ونيفيس،‏ لك ولعائلتك التمتع بالمواطنة الكاملة 

ف 

عند الحصول عل الجنسية ي 

مدى الحياة،‏ ي ت وال‏ يمكن أن تنتقل إىل أ الجيال القادمة عن طريق النسب.‏ 

ي ن كمواطن‏ من سانت كيتس ونيفيس،‏ يتم إصدار لك ولعائلتك جوازات السفر ي ت ال‏ تسمح للسفر بدون ي تأشة إىل 

ث أك‏ من 120 بلدا وإقليما ي جميع أنحاء العالم،‏ بما ي ذلك كل من التحاد أ ال ب ي ورو‏ . بالطبع لديك الحق ي أن 

ي سانت كيتس ونيفيس وكذلك ي معظم الدول أ العضاء ي الجزر الكاريبية ي أي وقت أ ولي ت فة من 

الوقت.‏ 

تقيموا 

أ المم المتحدة 

ف 

والكومنولث ب ال‏ ي يطا‏ والعديد من (OAS)، ومنظمة الدول أ المريكية (UN)، التحاد هو عضو ي 

المنظمات الدولية أ الخرى.‏ البنك المركزي ش الق ب ي الكاري‏ يقع مقره ي سانت كيتس.‏ فهو يحافظ عل استقرار 

الذي ب يعت‏ العملة الوطنية لمعظم بلدان ش ‏ق البحر ب ي الكاري‏ ومرتبط بالدولر ،($ (EC دولر ش الق ب ي الكاري‏ 

المريكي . رئيس الدولة هي ملكة ت إنكلا.‏ سانت كيتس ونيفيس هي الديمقراطية تعمل بشكل جيد عل أساس 

أ 

النظام ب ال‏ ي لما‏ ب اليطانية.‏ 

سانت كيتس ونيفيس لديها مناخ لطيف،‏ وخاصة خالل أ الشهر الباردة من ب ديسم‏ اىل مارس.‏ الرطوبة منخفضة 

نسبيا،‏ والرياح التجارية الشمالية ش القية المستمرة تحافظ عل برودة الجزر.‏ سانت كيتس نيفيس ‏_توفر فرصا 

جيدة للمستثمرين.‏ القوى العاملة متعلمة جيدا،‏ يتحدثون ي ز الإنجلية ووديدون.‏ تمنح الحكومة إعفاءات ‏يبية 

وإعادتها إىل الوطن مضمونة أ الرباح وتنازلت بشأن الرسوم الجمركية عل الواردات.‏ ل يوجد هناك ض ‏ائب عل 

الدخل او ارباح رأس المال،‏ ول ض ‏ائب ث الوة ول ض ‏ائب عل ي الماث أو ض ‏ائب هبة ي سانت كيتس نيفيس.‏ 

الجغرافية 

سانت كيتس ب وأك‏ من ي ن الجزيرت‏ ، الجزيرة بيضاوية تقريبا باستثناء شبه جزيرة ضيقة طويلة إىل الجنوب ال‏ 

أعل نقطة لها هي جبل لياموجا )3,792 قدم ]1,156 م[(.‏ والنارووز،‏ 2 ميل )3 كم(‏ قناة واسعة،‏ وتفصل ي ن ب‏ 

ي ن الجزيرت‏ . 

كيفية االستمرار:‏ 

وحدة المواطنة بواسطة الستثمار،‏ بدل من ذلك يمكن 

ف 

الطلبات من أجل المواطنة ل يمكن أن تقدم ش مباة ي 

فقط التعامل معها من قبل أ الشخاص ي ن المخول‏ ي ن المسجل‏ . 

ي‏ . 

ش 

الشعاب المرجانية تحيط نيفيس عل شكل دائري والجزيرة بالكامل تقريبا جبل واحد،‏ ذروة النيفيس )3,232 قدم 

م[(.‏ سلسلة الجبال ب الكانية تسيطر عل وسط ي ن الجزيرت‏ 985]. 

سان كيتس ونيفيس:‏ 

ف 

المواطنة ي 

الخلفية:‏ 

 

أدخلت حكومة سانت كيتس ونيفيس تيعات واسعة النطاق لجذب الخدمات المالية التجارية للجزيرة.‏ سان 

كيتس ونيفيس توفر فرصا جيدة للمستثمرين.‏ القوى العاملة المتعلمة جيدا،‏ تتكلم ي ز الإنجلية وودودة،‏ تمنح 

الحكومة إعفاءات ‏يبية،‏ مضمونة أ الرباح وتنازلت بشأن الرسوم الجمركية عل الواردات.‏ ل توجد ض ‏ائب عل 

الدخل أو أرباح رأس المال وعدم وجود ض ‏ائب ي الماث أو هدية ي سان كيتس ونيفيس.‏ 

التشغيل منذ عام 1984: أنه يسمح للمستثمرين أ الجانب 

ف 

وكان برنامج المواطنة بواسطة الستثمار أيضا ي 

الحصول عل الجنسية ي ظل ظروف معينة.‏ هذا يجعله أقدم ب الامج القائمة للمواطنة عن طريق الستثمار.‏ بل 

هو أيضا من أشهر برامج المواطنة ي العالم.‏ يمكن للمرء الستثمار ي العقارات إما ي ن مع‏ أو المساهمة ي مؤسسة 

تنويع صناعة السكر ‏)“صندوق التنمية الصناعية السعودي”(.‏ ب يعت‏ جواز السفر سانت كيتس نيفيس جيد للغاية،‏ 

كما تم إصدار سوى عدد قليل نسبيا من جوازات السفر ي إطار هذا ب النامج.‏ ونتيجة لذلك،‏ حاملي جوازات 

السفر سانت كيتس نيفيس يمكن لهم التمتع بجواز سفر له سمعة ممتازة وجيدة جدا والسفر بدون ي تأشة،‏ بما 

ي ذلك كل من التحاد أ ال ب ي ورو‏ وكندا وهونغ كونغ وسويا وبلدان أخرى.‏ وفقا لذلك،‏ فإن برنامج سانت كيتس 

نيفيس والمواطنة من قبل الستثمار هو الخيار أ ال ث ك‏ جاذبية إذا كان المرء يبحث للحصول عل الجنسية الثانية 





Malta’s Individual Investor Programme 

Maltese lawyer Dr Jean-Philippe Chetcuti describes his experience handling the first applications 

under the MIIP. Dr Chetcuti was the first to be authorised by Government (Licence IIP 001) to represent 

applicants filing for Maltese Citizenship by Investment. 

Citizenship by Investment – 

Programme with a Difference 

The Malta Individual Investor Programme (MIIP) introduction was 

motivated by the financial benefits economic passport systems have 

generated in other countries, within and outside Europe. 

The Maltese Citizenship by Investment Programme is intended to add to 

the global citizenship menu an option that would have no comparison. 

Firstly, it was the first programme that, for a pre-determined contribution 

to a Maltese sovereign fund, would result in the attainment of European 

citizenship within a year. 

Secondly, Malta was seeking to build on its success in developing into 

a top European finance centre as well as a centre for niche international 

businesses in the online gaming, maritime and pharma sectors. Malta’s 

aim was to emulate this success in emerging sectors such as aviation, 

digital gaming, ICT and energy. In attracting high net worth investors 

(HNWI), Malta was not reacting to economic difficulties but rather 

to the untapped potential that was being unrolled by successive 

administrations. It was hoped that, as the Island’s Prime Minister aptly 

pronounced at the Programme’s announcement back in October 2013, 

the MIIP would result in an importation of successful, entrepreneurial 

genes and capital through a networking effect of HNWIs and families into 

the local business scene. 

Overview of the Malta Individual 

Investor Programme 

Malta Citizenship by Investment may be granted under an amendment 

passed in November 2013 to the Maltese Citizenship Act, Chapter 188 

of the Laws of Malta. These amendments provided the framework 

for the enactment of LN 47 of 2014, the “Malta Individual Investor 

Programme (MIIP) Rules. The MIIP Rules provide for affluent persons 

of impeccable standing and repute to be naturalised and to receive 

Maltese citizenship on the basis of a contribution to and investment in 

Malta. 

Consensus & EU Endorsement 

The launch of this programme elicited mixed reactions and as a result 

parliamentary debate ensued both domestically and at European level. 

For four months, the MIIP was scrutinized from a constitutional and 

international law as well as a public sentiment perspective. The two 

sides of Malta’s bicameral parliamentary system left and returned to 

the negotiating table a good number of times before compromise was 

reached early this year. Discussions revolved around the addition of the 

approved investment as well as a property requirement. 

The last remaining political factor to be overcome was the negative 

sentiment expressed by the European Parliament weeks earlier. Not 

having any legal jurisdiction on citizenship matters and keen to put 

this matter behind it, the European Commission met a small Maltese 

delegation and, within the day, hammered out the terms of Europe’s 

first EU-approved Citizenship by Investment Programme, essentially by 

introducing a one-year genuine link requirement. 

Current Experience 

Since the European Commission’s approval last February, Chetcuti Cauchi 

has handled the very first applications for Citizenship by Investment in 

Malta. Identity Malta has been very supportive in our first applications 

and has demonstrated the importance and professionalism that was 

promised by the government in their dealings with us as Accredited 

Persons as well as our esteemed clients who ventured to be the first 

candidates for the MIIP. 

Some of our long-standing clients who have enjoyed Malta resident status 

for a number of years shall obtain Maltese citizenship within six months 

from the submission of their application, given that they will fully satisfy all 

the onerous requirements of the MIIP including the residency requirement. 

For those who have heavily invested in Malta over the years, who have 

moved their centre of vital interests to Malta, and who have created jobs 

and contributed to Malta’s better quality of living, the Maltese passport will 

be an important recognition of their true affection to Malta. 

Besides the various beneficial personal tax advantages, the MIIP promises 

to be another success, joining the portfolio of successes that Malta has 

under its belt in building what is a vibrant, sound and agile financial 

services centre, that is disproportionate to Malta’s small size. 

Eligibility for Malta Citizenship 

n 

n 

n 

n 

n 

n 

Fit and Proper - clean criminal conduct, in good health 

Non-refundable contribution of €650,000 to Government Fund 

Investment in Government Bonds €150,000 for 5 years 

Investment in Property min. €350,000 for 5 years OR Rental of 

Property min. €16,000 for 5 years 

Evidence of Genuine Link with Malta for 1 Year 

Eligible Dependents include unmarried children up to 25 years old, 

parents over 55 years 

Benefits of Malta Citizenship 

n 

n 

n 

n 

n 

Schengen Residence status for 1 yr prior to issue of passport, issued 

on application. 

European Union member state 

> 160 Visa-free destinations including US, UK 

Passport issued within 1 year 

Clear, objective rules for eligibility 

Chetcuti Cauchi Advocates MALTA www.ccmalta.com/bac14 


Applying for Maltese Citizenship 

Interview with Dr Jean-Philippe Chetcuti, tax & 

immigration law specialist approved by the Maltese 

Government to handle citizenship applications. 

Q: When was the programme introduced? 

The Malta Citizenship by Investment Programme is the first EU approved 

citizenship programme. The Malta Individual Investor Programme 

(MIIP) was launched by the Maltese Government in September 2013. 

This Programme allows for the granting of citizenship by investment to 

individuals and their families who contribute and invest in the economic 

and social development of Malta. Subject to a stringent vetting and 

diligence process, including thorough background checks, the applicants 

and their dependants are granted citizenship in exchange for such 

contribution and investments. 

Q: What is the Fit & Proper Test? 

Applicants must show they are in good standing and repute. The 

Government of Malta is committed to the highest standard of due 

diligence to ensure only deserving and reputable applicants are allowed 

to proceed for the grant of Maltese citizenship. 

A four-tier due diligence process is carried out directly by the Government 

that will assess applicants and will process and approve applications at 

various stages. Applicants must demonstrate a clean criminal record, with 

checks being conducted with the International Criminal Court, INTERPOL 

and various other authorities and sources. Applicants must provide a 

police certificate which may be submitted subsequently to the submission 

of the application but at all times prior to approval. Applicants must also 

show they do not suffer from a contagious disease. 

Q: What sort of investment must be made? 

To qualify the main applicant is required to contribute at least €650,000 

to Malta. Spouses and unmarried children under 25 are required 

to contribute €25,000; unmarried children between 18 and 25 and 

dependent parents over 55 must contribute €50,000 each. 

Of this contribution, 70% will go into the Government Fund to finance 

educational, health and social projects. The remainder goes to the 

consolidated fund. 

In addition, applicants are required to make an investment in 

government bonds of at least €150,000. They must also buy property 

of at least €350,000 or rent property for at least €16,000 p.a., all for a 

minimum of five years. 

Dr Jean-Philippe Chetcuti 

n Partner, Chetcuti Cauchi Advocates 

n Advisor to HNWIs & their advisors 

n Chairman, STEP Society of Trust & Estate 

Practitioners 

n 

Co-founder, Secretary, Malta Association of 

Family Enterprise 

Q: Is any minimum physical presence required? 

Malta is the only Citizenship by Investment Program that enjoys European 

Union approval. The basis for this endorsement by the European 

Commission was the introduction of a ‘genuine link’ requirement, often 

referred to as a 1 year residence requirement. The main applicant kicks 

off this one year residence period by visiting Malta ASAP to formally 

take up residence. This requirement is met in a combination of physical 

presence, and other factors like membership of clubs and professional 

associations, local philanthropy, any business activity in Malta. As an 

Approved Agent, I guide applicants in proposing their scheme of 

residence and present it to Identity Malta early in the application process 

to secure advance written approval from Identity Malta. Persons already 

resident one year prior to IIP approval already satisfy this requirement. 

Q: What is the tax treatment of new citizens under the 

programme? 

The basis for taxation under the Maltese tax system is based on domicile 

and residence – not citizenship. The grant of Maltese citizenship to a nondomiciliary 

of Malta does not, of itself, cause the beneficiary to acquire a 

new domicile of choice in Malta. Residence for tax purposes is established 

by demonstrating an intention to reside in Malta indefinitely and definitely 

on the basis of a day count of 183 days. A citizenship applicant who 

satisfies the genuine link test is fiscally resident in the first year of residence 

and potentially in subsequent years, according to the outcome of the preimmigration 

tax planning exercise I carry out with clients. 

Tax residents of Malta who are not domiciled in Malta are taxable on a 

remittance basis. Accordingly, non-doms who are resident in Malta are not 

taxable on foreign source income not received in Malta, nor on any capital 

gains arising outside Malta whether remitted or not. Tax is due only on a 

sources basis on income and capital gains arising in Malta. A non-resident 

citizen of Malta is only taxable in Malta on Malta source income. 

With regards to the sale of property, after the lapse of the obligatory 5 

year period, property in Malta can be sold completely exempt from tax 

if such property is held for a period of 3 years as the resident’s sole and 

ordinary residence. If sold before the lapse of 3 years, a final property tax 

of 12% is chargeable on the selling price. 

Other tax considerations include: 

n No inheritance or death taxes n No estate duty n No net worth or 

wealth taxes n No municipal taxes, rates or real estate taxes 

n Accredited in Malta with Licence No. IIP 001 

Dr Jean-Philippe Chetcuti with the Prime Minister Dr Joseph Muscat 

after addressing the Global Residence & Citizenship Forum, Malta in 

May 2014 

n 

n 

n 

Top-tier firm of lawyers, tax advisors, accountants and company 

formation agents 

Law firm bound by professional secrecy: lawyer-client privilege 

100% success rate in citizenship & residence applications 



Residency in European Malta 

1. Malta offers… 

In the last two decades Malta has experienced a growing reputation as a 

high quality living destination and a tax-efficient residence solution in the 

European Union. 

The Republic of Malta consists of Malta, Gozo and Comino and two small 

uninhabited islands, and is situated in the middle of the Mediterranean Sea. 

The island’s natural scenic wealth, its colourful culture and heritage, 

political stability and the friendliness of its people have made Malta 

a unique and possibly one of the best jurisdictions to live in. Malta 

has been praised for its charming atmosphere, and for offering a safe 

environment. Indeed, InternationalLiving.com 2014 has described Malta 

as being the “easiest place to integrate” and having a “Great Quality of Life”. 

In addition, Malta has affirmed its place as one of the European Union’s best 

performers in the 28th edition of the Internal Market Scoreboard and Malta’s 

banks have been ranked amongst the top 5 soundest banks in the world. 

2. Malta Global Residence Programme 

(non-EU Nationals) 

The Malta Global Residence Programme (GRP) builds on the success 

of Malta’s reputation in attracting expatriates seeking an alternative 

residence base in a warm Mediterranean Island in the European Union. 

Malta’s membership and full implementation of the Schengen Area 

Treaty offer further attraction on the basis of the ease of travel within 

the Schengen Area enjoyed by holders of the Malta Global Residence 

Programme permit. 

2.1 Applicability 

The GRP Rules 2013 are designed to attract non-EU nationals to take up 

residence in Malta. The scheme is especially attractive to retirees, authors, 

intellectuals and international consultants or simply persons seeking to 

establish an alternative residence that suits their lifestyle and tax profile. 

The aim of the Malta Global Residence Programme is to formally 

recognise as tax resident for Maltese tax purposes those foreign nationals 

satisfying the eligibility criteria of the Malta Global Residence Programme. 

The Maltese Residence Programme requires that an economically selfsufficient 

residence candidate maintains a permanent address in Malta in 

the form of residential property purchased or rented in Malta or Gozo. 

2.2 Benefits 

The programme offers a number of benefits to foreigners choosing to 

settle in Malta, including tax advantages: 

GRP: Malta Tax Summary: 

Basis of Taxation 

Local Source, 

Remittance 

Tax Rate for Foreign Source Income remitted to Malta 15% 

Tax on Capital Gains outside Malta 

Nil 

Tax Rate for Local Personal, Business, Investment Income 35% 

Minimum tax (per family) €15,000 

Taxation per dependent 

Nil 

Double Tax Treaty Relief 

applicable 

Taxation per dependent 

Nil 

Tax Residence Certificate 

Process 

available 

Inheritance Tax 

None 

2.3 Eligibility 

Applications under the Malta Global Residence Programme are open to 

non-EU, non-EEA and non-Swiss nationals. One application can include 

the main applicant as his spouse, financially dependent ascendants and 

other non-family members and dependent relatives that are shown to 

be bona fide members of the household. Children under the age of 25 

are automatically eligible for inclusion. Applicants must demonstrate 

their financial self-sufficiency and must be in possession of valid sickness 

insurance cover. 

Within 12 months of taking up residence under the Malta Global 

Residence Programme, the residence permit holder needs to comply with 

the requirement of acquiring or renting property in Malta. Residence 

candidates are required to demonstrate that an address is available 

to them in Malta by buying or renting property in Malta. Candidates 

for the residence programme need to meet minimum property value 

requirements at €275,000 for property in Malta and €220,000 for property 

in Gozo and the Southern Region of Malta. Candidates have the option 

to rent property in Malta at €9,600 or property in Gozo and the Southern 

Region of Malta at €8,750 in annual rent. 

Applications are to be processed via Mandataries authorised by the 

Maltese Government to handle application process and act as liaisons 

between the applicant and the Maltese authorities. 

2.4 The Residence Programme Rules (EU Nationals) 

The Malta Residence Programme Rules, 2014 create a special tax 

programme designed to attract foreign EU nationals to take up residence 

in Malta. Benefits for applicants taking up residence in Malta under 

this new programme include a special and favourable tax status and 

treatment as follows: 

n A flat rate of 15% tax on all income received in Malta arising from 

overseas; 

n 

n 

No Malta tax chargeable on income arising outside Malta which is 

not received in Malta; 

No Malta tax is chargeable on capital gains realised outside Malta 

even if these are received in Malta. 

3. Highly Qualified Persons Rules 

Malta has also introduced an attractive 15% flat rate of tax for individuals 

working in the financial services, aviation and gaming sectors who can 

meet a number of requirements specified in the relevant legal notice. The 

Highly Qualified Persons Rules 2011 were introduced in response to the 

growth which the financial services, aviation, online gambling and digital 

gaming sectors presented in Malta. Individuals employed in Malta under 

a “qualifying contract of employment” to perform activity in relation to an 

“eligible office can apply and benefit from this capped rate of taxation. 

Country Highlights 

n 

n 

Population: approx 430,000 Size: 27 x 14.5Km = 316Km2 

Average Temp: 12 °C Winter; 31 °C Summer; Sun 300 days/yr 

n European Union: member since 2004 

n 

n 

Schengen Area Treaty: Fully implemented in 2007 (visa free 

movement area) 

Currency: €uro 2008: Joined the €uroZone 



Doing Business in Malta 

1. About Malta 

The Maltese economy is very open to reputable foreign direct investment, 

with the prevailing approach being constructive, positive and flexible. 

Government, financial institutions, professional services companies and 

prospective local partners and service providers all contribute towards 

attracting good quality investment and in establishing Malta as a reputable 

centre for international finance. Malta’s unique legal framework, solid 

incentives and excellent human resources have all contributed in dubbing 

the island as a prime centre for doing business. 

All this, coupled to Malta’s stable political environment as well as the 

positive manner in which the island rode the 2008-2009 financial crisis, 

position the island as a worthy contender in the selection of destinations 

for setting up operations. 

2. Investment Environment 

With its geographical location being in the centre of the North African 

and European trading routes, Malta is a very attractive destination for 

industrial investment. Adequate human capital, including specialised 

personnel in industries such as aviation, pharma (Malta adopted a very 

favourable Roche-Bolar exemption in its patent law), and ICT, and political 

stability are some of the Island’s most important offerings. 

2.1 Manufacturing 

The manufacturing industry is quite robust and currently contributes 

approximately 13% towards Gross Value Added (GVA). Vision 2020 lists 

target sectors as including electronics, pharmaceuticals, healthcare, 

plastics, rubber, aircraft maintenance and other similar relatively capitalintensive 

areas generating a higher value added per employee. 

2.2 Financial Services 

In the last two decades this sector’s significance to the Maltese economy 

has increased exponentially. This was mainly attributed to consecutive 

administrations’ target to place Malta as a centre for excellence in 

investment services. Emphasis is placed on insurance, administrative 

operations for investment services and funds, corporate and fiduciary 

services, software development, e-commerce, call centres, distance 

learning, international reservation systems and electronic exchanges. The 

financial and insurance services sector contributes about 8.5% of Malta’s 

GVA and the Government is committed to double its contribution by 2015. 

2.3 Tourism 

Attributable to Malta’s climate and temperate seasons, tourism remains 

another strong pillar of the Maltese economy, contributing approximately 

20% of GDP. The current focus is to baptise Malta as a centre for elite 

tourism and a luxury destination. The last years have seen an increase 

in yacht marinas, investment in the Grand Harbour cruise liner terminal 

project and large scale residential and commercial projects such as 

Portomaso, Tigné Point, Manoel Island and Cottonera. 

3. Investment Incentives 

Since the late 1950s Malta has presented various types of incentives 

promoting industrial activity. Initially these focused on creating a new 

basis for Malta’s economic activity once it no longer served as a British 

and NATO naval base with the main focus being. The main attractions 

were tax holidays and low labour costs. However the type and focus of 

the incentives have changed along the years to be in line with local and 

international developments. 

Incentives are available under the new Malta Enterprise Act (MEA) and 

the Business Promotion Act (BPA). These include soft loans, investment 

allowances, training grants, tax incentives and the provision of ready built 

specialized factory space. 

The Malta Enterprise Corporation is an autonomous government agency. 

The granting of incentives is subject its approval. In assessing a proposal, 

viability, processes, amount of capital investment, sources of finance and 

employment to be generated are all factors that are assessed. 

Incentives currently available include: 

n 

n 

n 

n 

n 

Investment Aid Tax Credits 

Small and Medium Enterprises Development Incentives 

Business and Competitive Development Incentives 

Aid for access to finance 

Aid to train and educate staff 

n Research and Development Aid 

4. Corporate Tax 

Malta benefits from the single imputation system that avoids double 

taxation on companies and shareholders respectively. With a corporate 

tax rate of 35%, individual shareholders end up receiving a refund of 

6/7th on any tax paid in Malta upon distribution of dividends. This makes 

the effective rate of tax in Malta at 5%. 

5. Tax Credits 

Investment Aid Tax Credits are intended to sustain the regional industrial 

and economic development of Malta. This measure facilitates initial 

investments by encouraging the setting up of new establishments and 

the expansion and development of existing businesses. 

These incentive guidelines have entered into effect from 1st July 2014 and 

unless reviewed or updated shall remain in force until 31st December 2020. 

The incentive may be reviewed in line with any revisions of the relevant 

State Aid regulations or in view of any national policy requirements. 

6. Double Taxation Agreements 

Vaunting agreements with more than 65 countries, Malta presents a 

sound treaty network that ensures profits generated in Malta are either 

exempt from tax in the country of residence of the investor, or that 

such a country will provide a tax credit for the Malta tax spared as a 

consequence of the incentives Malta provides. Agreements with another 

15 countries are currently being finalised. 

7. Taxation of Royalty Income 

The incentive gives fiscal benefits to persons (individuals and enterprises) 

that own the rights to patented intellectual property and are receiving 

income in the form of royalties. 

The objective of this initiative is to encourage researchers to exploit 

intellectual property in Malta through the licensing of patented 

knowledge. The scheme should also encourage investment in research 

and knowledge creation and exploitation of intellectual property. 

Jurisdiction Highlights 

n GDP Growth: 2013: 2.4% 

n Effective Company Tax Rate: 0-5-10%* 

n Social Security Cost: 10% 

n 

n 

n 

Withholding Taxes, Dividend Taxes, Wealth Taxes, Exit Taxes: None 

Main Industries: Financial Services, Shipping, Yachting, i-Gaming & 

Software, Pharma 

Emerging Sectors: Aviation, Digital Games, Film, Alternative 

Energy, Bio-technology and Life-sciences 



Wealth Management in Malta 

Thanks to its EU membership, its long history of political stability, sound 

regulation, well capitalized banks, English speaking workforce and 

strategic geographical location, Malta has over the last two decades 

firmly established itself as one of the foremost European wealth 

management jurisdictions. Testament to this is the stunning growth 

that Malta has achieved in a number of sectors, including financial 

services, digital games and pharmaceuticals, none of which would have 

been possible if Malta did not possess a strong wealth management 

infrastructure. 

1. Trusts 

A little known fact about Malta is that its legislation is a hybrid of 

continental law and common law, with civil matters generally following 

continental legal principles and commercial matters following common 

law ideas. Malta’s trust legislation is one of the clearest artefacts of this 

hybridization, bringing to the Maltese legal regime the flexibility that 

is associated with the archetypical common law wealth management 

instrument. Of particular interest is the fact that Maltese law allows 

a licensed trustee to irrevocably elect to have the trust treated as a 

company ordinarily resident and domiciled in Malta for tax purposes. 

2. Foundations 

Another wealth management instrument which is permissible under 

Maltese law is the Foundation. Foundations are somewhat similar to a 

trust, in that like a trust they allow the owner of an asset to establish a 

non-commercial structure for the holding of assets or the pursuit of a 

particular purpose. However foundations differ from trusts in a number 

of significant ways. Most important, the establishment of a foundation 

through the appropriate procedure leads to the incorporation of the 

foundation as a separate legal person. This differs from the settlement of 

a trust, where no separate legal person is formed. Foundations can either 

opt to be taxed as though there were companies, or else can opt to be 

taxed as though they were a trust. Maltese law permits foundations to 

be established with a ring-fenced ‘segregated cell’ structure (similar to 

umbrella structures common in the funds sector). Foundations can also 

be converted from an existing trust and vice-versa. 

3. Holding Companies 

Holding companies are a simple, well-understood and easy to establish 

vehicles. In Malta, holding companies can be set up in order to hold 

shares and securities and business assets in any form such as real estate, 

fixed assets, aircraft, investments, bank accounts and intellectual property 

as well as personal assets including any luxury items such as yachts, 

residential property, works of art. Although there is no specific holding 

company regime, the domestic tax treatment afforded to the different 

types of income received by such companies as well as the participation 

exemption regime introduced in 2007 make the setting up of Malta 

holding companies a very attractive option and an excellent conduit to 

and from the EU. Significantly, Income or capital gains derived by Malta 

companies from qualifying participating holdings may be exempt from 

tax in Malta. There are a number of alternate criteria which can result in a 

holding being deemed to be a ‘qualifying participating holding’, the most 

common of which being where the holding is of at least 10 percent of 

the equity shares of a company. 

4. Fund Management 

Since joining the EU in 2004, Malta has enjoyed significant growth as 

a funds domicile, which has in turn enable the jurisdiction to develop 

a growing fund management sector. A number of factors have 

contributed to Malta’s growth in the sector. Some are general factors 

that have broadly contributed to the growth of the wealth management 

industry in Malta, while others are more industry specific, such as the 

approachability of the regulator, Malta’s speediness in implementing 

sophisticated EU legislation, and the availability of a variety of fund 

structures that can cater for a broad spectrum of strategies. Malta’s funds 

regime in fact caters for passportable, retail-friendly UCITS schemes, small, 

privately held private collective investment schemes, as well as the more 

institutionally oriented alternative and professional investor funds. 

5. Sharia Compliant Finance 

Sharia finance is one of the financial world’s faster growing sectors, 

allowing many to access forms of finance that respect their religious 

and ethical beliefs. Malta has clearly signalled its openness for 

sharia compliant financial services; in 2008 the Malta Financial 

Services Authority (MFSA) underwent a consultation process on the 

implementation of Islamic financial principles in Malta law, and in 2010 

MFSA issued guidance on the set-up of Sharia compliant funds under 

Maltese law. The guidelines require Sharia compliant funds to establish 

a Sharia advisor board which is composed of at least two internationally 

recognised Islamic Sharia Scholars to ensure that the fund meets Sharia 

compliance standards in the management of its assets. Members of the 

Sharia advisory board are required to be independent of the manager. 

The role of the Sharia advisory board is that of providing guidance to 

the fund on the steps to be followed in order to comply with Sharia 

principles, to approve investment strategies and methodologies prior to 

launch and generally to oversee the fund’s relationships and behaviour 

from a Sharia perspective. 

n 

Bank Deposits: €40.2bn 

n World Ranking of Banks by Soundness: 13th (WEF 2013) 

n Collective Investment Funds: 620 

n Fiduciary Licences: 133 

n Captives & Cells: 18 



Contact La Vida 

www.lavidaportugal.com 

www.goldenvisas.com 

enquiries@lavidaportugal.com 

+44 1923 842455 

• Portugal Golden Visas. 

• Most popular European investor visa programme. 

• Flexible Programme. 

• No Minimum Stay requirement. Schengen visa. 

• Apply EU citizenship after six years. 

• Minimum investment €500,000. 

• Guaranteed rental 4% for 3 years. 


About Portugal 

Portugal is a developed country with an advanced economy and high living standards. It 

is one of the world’s most globalized and peaceful nations. It is a member of the United 

Nations, European Union, Eurozone, OECD, NATO, WTO, Schengen Area, and the 

Community of Portuguese Language Countries. On 31 May 2010, Portugal became the 

sixth country in Europe and the eighth country in the world to legally recognize same-sex 

marriage on the national level. Portugal also received international attention for being the 

first country in the world to fully decriminalize the usage of all drugs in 2001. 

Geography: 

Portugal is a coastal nation in southwestern Europe, located at the 

western end of the Iberian Peninsula, bordering Spain (on its northern 

and eastern frontiers: a total of 1,214 km (754 mi)). Portuguese territory 

also includes a series of archipelagoes in the Atlantic Ocean (the Azores 

and Madeira), which are strategic islands along western sea approaches 

to the Strait of Gibraltar and the Mediterranean Sea. In total, the country 

occupies an area of 92,090 km2 (35,560 sq. mi) of which 91,470 km2 

(35,320 sq. mi) is land and 620 km2 (240 sq. mi) water. 

Despite these definitions, Portugal’s border with Spain remains an 

unresolved territorial dispute between the two countries. Portugal does 

not recognize the border between Caia and Cuncos River deltas, since 

the beginning of the 1801 occupation of Olivenza by Spain. This territory, 

though under de facto Spanish occupation, remains a de jure part of 

Portugal; consequently, no border is henceforth recognized in this area. 

Citizenship: 

Portugal allows dual citizenship. Hence, Portuguese citizens holding 

or acquiring a foreign citizenship do not lose Portuguese citizenship. 

Similarly, those becoming Portuguese citizens do not have to renounce 

their foreign citizenship. 

The Golden Visa program launched by the Portuguese Authorities in 

October 2012 is a fast track for foreign investors from non-EU countries to 

obtain a fully valid residency permit in Portugal (“Golden Visa”). 

Under the Golden Visa program, non-EU citizens simply need to carry out 

one of the investments set out in the law to qualify to obtain a residency 

permit in Portugal. This residency permit will allow the investor to enter 

and/or live in Portugal and to travel freely within the vast majority of 

European countries (Schengen space). 

Aimed at attracting foreign investment to Portugal, the Golden Visa is a 

very straightforward and flexible program, with simple and clear legal 

requirements. With extremely reduced minimum stay requirements, the 

Golden Visa is clearly one of the most attractive residency programs for 

investors in the world. 

New legal provisions open up the possibility of applying for a residence 

permit for pursuing investment activities to those who have entered the 

country regularly (vs. holders of valid Schengen Visas, or beneficiaries of 

Visa exemption), by transferring capital, creating jobs or acquiring real 

estate. The holders of Golden Residence Permits for Investment Activity 

have the right to family regrouping, and may gain access to a permanent 

residence permit, as well as to Portuguese citizenship in accordance to 

the current legal provisions 













Option One – Capital Transfer 

n 

n 

n 

n 

Performing an investment activity for a minimum period of five years 

must be attested by a bona fide declaration signed by the Applicant 

Applicants should provide evidence of having invested the minimum 

amount required, including stocks or shares of companies 

Declaration of a financial institution authorized to exercise its activity 

in Portugal certifying: the effective transfer of capital in the amount of 

not less than € 1 million, to an account demonstrating the investor is 

the sole or first holder of capital; or, the acquisition of stocks or shares 

of companies, and 

An up-to-date certificate issued by the Commercial Register, 

certifying that the applicant holds a share in the capital of a company 

Option Two – Created 10 job positions 

n 

An up-to-date certificate issued by the Social Security. 

Option Three – Ownership of real estate property 

n 

n 

Public deed or promissory share-purchase agreement of the 

property, with a declaration of an authorized financial institution to 

exercise its activity in Portugal stating the effective transfer of capital 

to its acquisition or to execute as a down payment of the promise to 

purchase in equal or superior value of 500 thousand Euros, and 

An up-to-date certificate issued by the Real Estate Registry, which 

must always be, in the case of contract-promise and where legally 

feasible, the respective register 

Requirements: 

Residence permit shall be granted for performing investment activities to 

Foreign Nationals who, cumulatively: 

1. Fulfill the investment requirements; 

2. Hold a valid Schengen visa; 

3. Legalize their permanence in Portugal within 90 days of their first 

entry into national territory; 

4. Meet other requirements under general law; such as; 

i. Applicants must not have been convicted of a crime punishable 

with deprivation of liberty exceeding one year 

ii. Applicants must not be subject of an entry ban in national 

territory following a removal order from the country 

iii. Applicants must not be subject of alerts in the Schengen 

Information System 

iv. Applicants must not be subject of alerts in SEF’s Information 

Integrated System issued for purposes of non-admission 

Residence permit shall be renewed for a period of two years pursuant, 

provided the requirements remain valid. 

Documents needed: 

n 

n 

n 

n 

Passport or another valid travelling document; 

Proof of legal entry and permanence in national territory; 

Proof of health insurance; 

Signed application enabling consultation of the Portuguese Criminal 

Record by SEF; 

n 

n 

Criminal Record Certificate from the relevant authority of the 

applicant’s home country or from any other country where he / she 

resided for over a year; 

As means of evidence of compliance with tax obligations, the applicant 

shall deliver a declaration proving the absence of debts issued by the 

Inland Revenue and Customs Authority and by the Social Security. 

Citizenship Requirements: 

A foreign citizen can be granted Portuguese nationality if the following 

conditions are fulfilled: 

a) The applicant is legally considered an adult, i.e. 18 years old 

b) The applicant is a resident in Portugal for at least 6 years 

c) The applicant has sufficient knowledge of the Portuguese language 

d) The applicant has not been convicted for a crime, which 

corresponds to a penalty equal to, or more than 3 years, accordingly 

to Portuguese law. 

The application shall be made by the applicant or by his legal 

representative in the Portuguese language to the competent 

departments of the Ministry of Justice. 

Once the application is received, it will be sent to the “Conservatória 

dos Registos Centrais” department, within the Ministry of Justice for 

evaluation. If the application has not been properly completed or fails 

to comply with any of the other Ministry of Justice requirements at the 

time of application, the process will be rejected within 30 days, and the 

applicant will be given 20 days to respond / clarify. If the application 

is accepted, the competent services will make internal enquiries, and 

consult with other entities (which my take up to 120 days) and a decision 

will be made, within a maximum of 45 days, which will then be submitted 

to the Ministry of Justice. 

The final decision will be communicated to the “Conservatória dos 

Registos Centrais”, for registration. The applicant will be able to request a 

Portuguese citizen card as well as a Portuguese passport 

Benefits: 

Safety. There are, quite simply, parts of the world where traveling as an 

American is, at best, uncomfortable and, at worst, risky if not downright 

dangerous. Other nationalities are targets of prejudices and negative 

attitudes as well. Did you know, for example, that some countries in the 

Middle East will deny entry to someone with a passport evidencing travel 

to Israel? Having an option as to which travel document you use based 

on the political climate of the specific country is very valuable when 

things are “iffy.” 

International Mobility. Having more than one passport affords you 

greater freedom to travel if a country has entry or length-of- stay 

restrictions. Most countries have established such entry requirements. 

Citizens from a country such as Canada need a visa to travel to Paraguay, 

for example. However, citizens from Singapore essentially have carte 

blanche when it comes to entering the United States, the United 

Kingdom or the Euro Zone. The UK passport enables you to travel with 

visa-free or visa-on-arrival status to over 189 countries. As a Bulgarian 

passport holder, you can travel visa-free to more than 150 countries. 

Employment Mobility. Simply put, an EU passport enables the holder 

to seek employment without immigration restriction. Someone with a 

Bulgarian citizenship, for example, can work in the Germany, France, Italy, 

or any of the other member nations. 

Residential Mobility. As in, live in any EU member country you desire. 

Think of the possibilities as you seek the highest possible quality of life. With 



It’s about loving what we do, 

creating strong client 

relationships and applying drive. 

private clients 

fund services 

pension trustees 

The business ethos is to provide clients with 

'administrative excellence' and we believe that 

with our current client base and retention rate we 

provide an unrivalled service. 

The Fairway Group is truly Independent, we work 

with your advisors to provide the best solutions to 

effectively administer your wealth. 

Fairway is a regulated independent, owner 

managed boutique group of companies dealing 

with private client business, fund services and 

pension trustee services. 

Group 

8th Floor, Union House, Union Street, St Helier, Jersey, JE2 3RF 

tel: +44 (1534) 511700 reception@fairwayjersey.com 

Regulated by the Jersey Financial Services Commission 

The citizenship by investment program 

allows you and your immediate family the 

opportunity to purchase a new 

nationality that will allow you to 

access parts of the world previously 

restricted or completely unavailable. 

Go to the website to find out more: 

www.citizenshipbyinvestment.org 


ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ن 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

an EU passport, your “neighborhood” consists of the entire European Union. 

Tax options. The opportunity to forum shop for the tax regimen most 

advantageous to your particular circumstances can hardly be overstated. 

As well, the different regulatory scheme of the EU as it relates to taxation 

affords you a layer of privacy not available in many countries around the 

globe. 

Benefits available only to citizens. As a citizen of the European Union, 

you are able to avail yourself of all of the rights and privileges offered by 

the country in which you reside, no matter which member country that 

might be. Health, education, unemployment programs, pensions and the 

like are all benefits to which you would be entitled with EU citizenship. 

The ability to make the best out of a worst-case scenario. An EU 

passport enables you to travel virtually unimpeded in the event of any 

incident that involves your country. You can simply travel as a citizen of 

the European Union, thereby sparing you from any unwanted attention 

and, worst-case, unwanted government action. 

We have touched on only some of the advantages of having an EU 

passport. The aspect common to all of them is freedom: To travel, to 

invest, to work, to play, to live 

How to proceed: 

Any investor interested in applying for a Golden Visa, can submit the 

application, either personally or via a legal representative appointed by 

him, in one of the following manners: 

a) Online Registration 

By registering online at the Services of Foreigners and Borders’ (“SEF”) 

website. After the registration is complete, the investor will receive 

a password and will be able to access online in order to submit the 

necessary forms and documents. 

b) In Person 

In person, at the Services of Foreigners and Borders in Portugal. 

It should be noted that the investor and family members would always 

have to be present at the Service of Foreigners and Boarders of Portugal 

for fingerprinting, signature and other formalities. 

We strongly recommend obtaining legal advice from an experienced 

law firm before taking any of the steps of the Golden Visa, namely 

before making any kind of investment or submitting any applications or 

documents. 

عن ب التغال:‏ 

ب التغال بلد متطور مع اقتصاد متقدم ومستويات معيشة المرتفعة.‏ وهي واحدة من دول العالم أ اال ث ك‏ عولمة وسلمية.‏ وهي 

ي أ االمم المتحدة واالتحاد أ اال ب ي ورو‏ ومنطقة اليورو،‏ منظمة حلف شمال اال ي أ طلس ومنظمة التجارة العالمية،‏ منطقة 

شنغن،‏ ورابطة البلدان الناطقة باللغة ب التغالية.‏ ي 31 مايو 2010، أصبحت ب التغال سادس دولة ي أوروبا والدولة الثامنة 

ي العالم ت لالعاف قانونيا بزواج ي ن المثلي‏ جنسيا عىل المستوى ي ن الوط‏ . حصلت ب التغال أيضا عىل اهتماما دوليا لكونها أول 

ي العالم لتجريم تماما استخدام جميع المخدرات ي عام 2001. 

عضو 

 

دولة 

يهدف إىل جذب الستثمارات أ الجنبية إىل ب التغال ي والتأشة الذهبية هو برنامج بسيط ومرن للغاية،‏ مع متطلبات 

قانونية بسيطة وواضحة.‏ مع انخفاض بالغ لمتطلبات الحد أ ال ن د‏ لالإقامة ي والتأشة الذهبية بشكل واضح من 

برامج الإقامة ث أك‏ جاذبية للمستثمرين ي العالم.‏ 

أحكام قانونية جديدة تفتح إمكانية التقدم بطلب للحصول عل تيح إقامة لمتابعة أ النشطة الستثمارية 

لولئك الذين دخلوا البالد بشكل منتظم ‏)مقابل حاملي ي تأشات شنغن صالحة،‏ أو المستفيدين من الإعفاء 

أ 

ي للتأشة(،‏ عن طريق نقل رؤوس أ الموال وخلق فرص العمل أو الحصول عل عقارات.‏ أ لصحاب تصاريح الإقامة 

الذهبية لنشاط الستثمار الحق ي جمع شمل العائلة،‏ ويمكن الحصول عل تيح إقامة دائمة،‏ وكذلك 

للحصول عل الجنسية ب التغالية وفقا أ لالحكام القانونية الحالية.‏ 

خيارات االستثمار:‏ 

الخيار 1: نقل رأس المال 

n أداء نشاط استثماري لمدة ل تقل عن خمس سنوات يجب أن تكون مصدقة من إعالن حسن النية 

وموقعة من قبل مقدم الطلب 

ذلك 

ف 

n ينبغي عل مقدمي الطلبات تقديم أدلة من حيث استثمرت الحد أ ال ن د‏ المطلوب،‏ بما ي 

السهم أو أسهم ش الكات 

أ 

n 

المال 


ب التغال هي دولة ساحلية ي جنوب غرب أوروبا،‏ وتقع ي الطرف ب ي الغر‏ من شبه الجزيرة أ ال ي يبية،‏ عل الحدود 

مع أسبانيا ‏)عل حدودها الشمالية ش والقية:‏ ما مجموعه 1،214 كم )754 ميل((.‏ تشمل ال ي أ ض را‏ ب التغالية أيضا 

سلسلة من أ ال رخبيالت ي المحيط ال ي أ طلس ‏)جزر أ الزور وماديرا(،‏ وهي جزر ت اساتيجية عل طول نهج البحر 

ب ي لمضيق جبل طارق والبحر أ البيض المتوسط.‏ ي المجموع،‏ والبلد تحتل مساحة 92090 

‏.ميل مربع(‏ مياه 240) km2 ميل مربع(‏ هو أرض و‎620‎ 35،320) km2 ميل مربع(‏ منها 91470 

إعالن مؤسسة مالية مرخص لها بممارسة نشاطها ي ب التغال التصديق:‏ النقل الفعال لرأس 

ي مبلغ ل يقل عن €، 1000000 إىل حساب يدل عل ان المستثمر الصاحب الوحيد أو أ الول لرأس المال؛ 

أو،‏ اقتناء أ السهم أو أسهم ش الكات،‏ وشهادة ما يصل إىل تاريخ صادرة عن السجل التجاري،‏ يشهد بأن مقدم 

الطلب حاصل عل حصة ي رأسمال ش ‏كة 

(35،560 km2 الغر‏ 

عل الرغم من هذه التعاريف،‏ الحدود ب التغالية مع إسبانيا ل تزال تمثل دون حل نزاع حدودي ي ن ب‏ البلدين.‏ 

ب التغال ل ت تعف بالحدود ي ن ب‏ دلتا نهر كاتيا وكايكوس،‏ منذ بداية الحتالل 1801 من اوليفانذا إسبانيا.‏ هذه 

‏.ال ي أ ض را‏ ، عل الرغم من انها تحت الحتالل ي الإسبا‏ بحكم أ المر الواقع،‏ تبقى بحكم القانون جزء من ب التغال 

وبالتاىلي ، فإنه يتم إثبات أي حدود من آ الن فصاعدا ي هذا المجال.‏ 

المواطنة:‏ 

 

ب التغال تسمح بازدواج الجنسية.‏ وبالتاىلي ، فإن ي ن المواطن‏ ب ال‏ ي ن تغالي‏ ي ن المالك‏ أو ي ن الحاصل‏ عل جنسية أجنبية ل 

يفقدون الجنسية ب التغالية.‏ وبالمثل،‏ فإن هؤلء الذين سيصبحون مواطنون برتغاليون ل يجب أن يتخلوا عن 

جنسيتهم أ الجنبية.‏ 

برنامج ي التأشة الذهبية ي ت ال‏ أطلقتها السلطات ب التغالية ي أكتوبر 2012 هو مسار ‏يع للمستثمرين أ الجانب 

‏(”من دول خارج التحاد أ ال ب ي ورو‏ للحصول عل تيح إقامة ساري المفعول تماما ي ب التغال ي ز ‏)“فا الذهبية.‏ 

ي إطار برنامج ي التأشة الذهبية،‏ ي غ‏ ي ن مواط‏ التحاد أ ال ب ي ورو‏ ببساطة يحتاجون لتنفيذ واحدة من الستثمارات 

المنصوص عليها ي القانون للتأهل للحصول عل تيح إقامة ي ب التغال.‏ وهذا التيح يسمح للمستثمر أن 

‏(يدخل و / أو يعيش ي ب التغال والسفر بحرية داخل أ الغلبية العظمى من الدول أ ال وروبية(‏ شنغن.‏ 



Peer and Co. – Passport to Portugal 

Peer and Co is an established immigration 

firm in the United Kingdom regulated by 

the OISC (Office of Immigration Services 

Commissioner). We have been practising law 

for the last 10 years and are regulated at the 

highest level and carry out advocacy work 

within the Courts. 

We have specialised in UK immigration in the 

business, investor sector and the highly skilled 

sectors as well. The Golden Visa Programme in 

Portugal which is an ideal investment for those 

who require a soft second residency which 

with the establishment of the Golden Visa 

Programme in Portugal – a truly unmatchable 

programme for residency or second nationality 

that allows free movement throughout the 

European Schengen countries, Peer and Co 

have taken leadership to provide this additional 

service for our clients. 

Portugal is the only country within the 

Golden Visa Programme that actually 

grants investors and clients an EU passport 

at the end of the 5 year programme. No 

other country within the Schengen area is 

currently offering an EU passport at the end 

of the 5 year period. (This may change at the 

time of going to print). 

Our partner in Portugal is Obrana Group - 

an internationally award winning property 

development Group focusing on real estate 

needs of International individuals and companies. 

They have substantial experience in Golden visa 

programme with the directors being consulted 

on an advisory capacity to the Portuguese 

government since beginning of this programme. 

Obrana is an Integrated Property Group that 

buys, designs, builds its own developments 

thereby offers competitively priced properties. 

All Obrana properties are due diligenced and 

their post sales service is unparalleled. They 

have featured extensively in international press 

(Wall Street Journal, NYT, and Homes Overseas) 

& TV (Channel 4, Place in the Sun) and also do 

high quality renovations (Lapa Palace, Residence 

for Ambassadors). They provides hassle-free 

purchase & ownership with full support team 

on site post purchase to ensure the property 

is always maintained in top condition. Obrana 

Group specialises in Portugal’s Silver coast 

We provide a full bespoke personal service 

for each client and with our partners have 

completed over a 160 applications for the 

Golden Visa Programme. This accounts for 

over 10% of the total current applicants on 

the Golden Visa Programme in Portugal. Our 

success is a based on several key factors. 

n We work directly with developers and key 

professionals – not intermediaries– to ensure 

best priced properties 

n Citi Private Bank – Wealth Report: “For 

growth potential look to locations with 

international interest and good transport 

and supporting infrastructure. For example 

Silver Coast (Portugal)”. We focus exclusively 

in this region on sea view properties or top 

golf resorts. Properties here are priced at 

2,000-3,500 €/m2 versus 7000-10,000 Euros 

now in Lisbon. 

n British newspapers e.g. Times, 

Independent, and other investor reports 

echo this confidence in the silver Coast of 

Portugal. 

n Other reasons why we feel Silver Coast is 

a confident investment area: 

• Property prices are increasing and 

will continue to do so as this area is 

targeted for National strategic tourism 

development. 

• New planning regulations restrict 

developments close to the sea... 

Obrana developments already have 

fully planning permission from the 

government and such in such locations 

like Silver Coast Residence, Heights will 

command premium prices. 

• Buyers are getting luxury properties 

directly from the developer – Heights 1 & 

SC Residence sales shows that demand 

for such properties is high 

• The planned Jurassic Theme park 

will see visitors increase. Touristic 

accommodation is currently limited so 

quality property will be in high demand. 

• Prices will continue to increase 

• The beaches in this area have been 

fast tracked for improvements thereby 

attracting international tourism. 

• properties to our clients fully furnished 

to the highest standard and ready to 

move in. 

n Silver Coast vs Lisbon: The last 12 month 

Lisbon has experienced very high price 

increase (200 %++) in some locations. This 

is mainly driven by GV applicants from China. 

Part of this comes from a natural comfort for 

non-English/Portuguese speakers wanting 

to be in the city; mainly this comes from 

the exorbitant commissions charged by 

Chinese agencies. What the purchasers 

do not understand is that the traditional, 

core investor group in Portugal are North 

Europeans looking for an escape from the 

city – Portugal sells on sun, sea, beaches 

and golf and are holiday or retirement 

homes. Foreigners may come to Lisbon for a 

weekend break but they buy in resort type 

areas close to tourism and beach amenities. 

n Obrana looks after the client post purchase 

and has staff based in their developments. 

Once you purchase a property it is totally 

looked after from maintenance to rental. This 

is key for foreigners who are looking purely 

for a Golden Visa without hassle or even for 

a family looking to move and who require an 

entity to navigate through the bureaucracy 

from the simple (connecting infrastructures, 

setting up direct debits, managing house 

issues) to the complicated (purchasing a car, 

setting up a social security and medical card, 

assisting children to international schools). 

We are as much a concierge service as a 

developer. 

We are in the process now of starting Silver 

Heights 2 and you can see on the Obrana 

website www.goldenvisahomes.com. 

We also offer investor routes into the UK but 

currently we are promoting the Golden Visa 

Programme in Portugal. We are highly regulated 

and we are here to serve our clients. As stated 

above the property on offer that we have in our 

portfolio are offering great value for money and 

you will have a good return on the property in 

4-5 years time. Unlike Spain, Portugal does not 

have vast cities of empty apartments and homes 

which have no value in them and therefore we 

are offering properties which are bespokely 

being developed now for the Golden Visa 

Programme. 

Spain is offering properties which are unsellable 

to the investor on the programme on the basis 

that they can have a permanent resident EU 

Schengen immigration card. There is no value in 

the properties in Spain and therefore the money 

is at risk. This goes for the other countries as 

well including Greece who have major financial 

issues, Bulgaria, Romania, Malta and any of the 

other Schengen countries that are offering a 

similar programme, are not in line and do not 

have the structure that is being currently offered 

by Portugal. 

We have a full write up on the Golden Visa 

Programme and the benefits of such an 

investment on our following websites: www. 

peerandco.com and www.goldenvisahomes. 

com. Please feel free to look at either website 

and send us an enquiry form. 

If you are interested in getting on to the Golden 

Visa Programme then please make initial 

contact at the following email address: shiraz@ 

peerandco.com. 

Once I am in receipt of your initial enquiry I 

will forward you the relevant details and make 

arrangements for us to meet in Lisbon to view 

properties, to meet the lawyers and to get the 

initial biometrics carried out by the Home Office 

and Immigration Authority in Lisbon. 

I require only three days of your time in terms 

of assisting you in regards to your property 

requirements, the applications for the 

immigration authorities in Lisbon and also for 

you to provide your biometric documents. I will 

meet you in Lisbon and will carry out these tasks 

with you and introduce you to our developers 

Obrana Group. 

We are a family orientated business and we 

have built our reputation on providing good 

service, quality investments and long term 

relationships with our clients. If you have any 

queries or would like to get in touch with 

regards to the Golden Visa Programme please 

do not hesitate to contact us on: shiraz@ 

peerandco.com. 



ف 

ف 

ش 

ض 

ف 

ف 

ف 

ف 

ن 

ف 

ض 

ض 

ف 

ف 

ف 

ف 

ن 

ف 

متطلبات المواطنة:‏ 

n 

n 

n 

n 

‏:يمكن منح مواطن ب ي أجن‏ الجنسية ب التغالية إذا تم استيفاء ش الوط التالية:‏ 

ب يعت‏ مقدم الطلب قانونيا بالغ،‏ أي 18 سنة 

عل مقدم الطلب ان يكون مقيما ي ب التغال لمدة 6 سنوات عل أ القل 

مقدم الطلب لديه معرفة كافية باللغة ب التغالية 

لم يدان مقدم طلب بجريمة،‏ وهو ما يعادل عقوبة ث أك‏ من 3 سنوات،‏ وفقا للقانون ب التغا يىل 

 

ف 

يتم تقديم الطلب من قبل مقدم الطلب أو بواسطة ممثله ي القانو‏ باللغة ب التغالية إىل الإدارات المختصة ي 

وزارة العدل 


n 

n 

n 

n 

n 

n 

n 

المان 

أ 

التنقل الدو يىل 

التوظيف الدو يىل 

الإقامة الدولية 

الخيارات اليبية 

الفوائد المتوفرة فقط ي ن للمواطن‏ 

الحرية 


.A 

.B 

أي مستثمر مهتم ي التقدم للحصول عل ي للتأشة الذهبية،‏ يمكن تقديم الطلب،‏ إما شخصيا أو عن طريق 

ممثل ي قانو‏ يعينه له،‏ ي واحدة من الطرق التالية:‏ 

التسجيل ب ع‏ ت الإننت 

من خالل التسجيل ب ع‏ ت الإننت عل خدمات أ الجانب والحدود “)“ المؤسسة “( عل شبكة ت الإننت.‏ بعد اكتمال 

التسجيل،‏ المستثمر يحصل عل كلمة ال،‏ وسوف يكون قادرا عل الوصول إىل ت الننت من أجل تقديم 

‏.الستمارات والوثائق الالزمة 

شخصيا 

شخصيا،‏ 

الخيار 2: أنشاء 10 مراكز وظيفية 

n شهادة جديدة صادرة من الضمان الجتماعي 

الخيار 3: ملكية العقارات 

ش اء الإذن العام للممتلكات،‏ مع إعالن مؤسسة مالية مرخصة لممارسة نشاطها ي ب التغال تنص 

عل النقل الفعال لرأس المال لستحواذها أو لتنفيذ كدفعة مقدمة لوعد ش الاء ي قيمة مساوية أو أعل من 500 

ألف يورو 

ي خدمات أ الجانب والحدود ي ب التغال.‏ تجدر الإشارة إىل أن المستثمر وأفراد أ ال ‏ة ي ن سيتع‏ له دائما 

أن يكون ض حاا ي خدمة أ الجانب والحدود ب التغالية أ لخذ البصمات والتوقيع والشكليات أ الخرى.‏ ونحن نو ي ص 

بشدة الحصول عل المشورة القانونية من مكتب محاماة من ذوي ب الخة قبل اتخاذ أي من الخطوات ي ي التأشة 

الذهبية،‏ وهي قبل اتخاذ أي نوع من الستثمارات أو تقديم أي طلبات أو مستندات.‏ 

n 

n شهادة جديدة صادرة من السجل العقاري 


يمنح تيح إقامة ل أ داء ال أ نشطة الستثمارية للرعايا ال أ جانب الذين بشكل تراكمي:‏ 

استيفاء متطلبات الستثما 

امتالك ي تأشة شنغن صالحة 

ي ن تقن‏ بقائهم ي ب التغال خالل 90 يوما من أول دخولهم إىل ال ي أ ض را‏ الوطنية 

تلبية المتطلبات ال أ خرى بموجب القانون العام؛ مثل:‏ 

يجب أل يكون قد سبق الحكم عل ي ن المتقدم‏ بجريمة يعاقب عليها بالحرمان من 

الحرية تتجاوز سنة واحدة 

ن الوط‏ 

يجب أن أل تخضع لحظر دخول ت الاب ي 

يجب أل يخضع لتنبيهات ي نظام معلومات شنغن 

يتم تجديد تيح الإقامة لمدة عام‏ 

الوثائق المطلوبة:‏ 

n جواز سفر أو وثيقة سفر صالحة 

ي ن ، 

.I 

.II 

.III 

.1 

.2 

.3 

.4 

n 

n 

يطة تبقى المتطلبات صالحة.‏ 

n دليل عل دخول ش الموع والديمومة ي ال ي أ ض را‏ الوطنية 

n دليال عل ي ن التأم‏ الصحي 

ئ الجنا‏ من السلطة المختصة من البلد أ الصلي لمقدم الطلب أو من أي بلد آخر حيث انه / انها 

شهادة السجل ي 

‏.يقيمون أ ل ث ك‏ من سنة 

وجود أدلة عل المتثال ت ز لاللامات اليبية،‏ يجب عل مقدم الطلب بإصدار إعالن تثبت عدم وجود ديون 

صادرة عن مصلحة ض الائب ومصلحة الجمارك والضمان الجتماعي 



Independent Experts you can trust 

Switzerland, Spain, Portugal, Andorra 

Portugal has also made it easier for investors to 

obtain (EU) citizenship. After 5 years the investor 

qualifies for permanent residency status, after 6 

years for citizenship. The requirements are: 

n 

n 

n 

Hold the investment for 5 years until 

permanent residency 

Comply with the average 7-day-a-year 

minimum stay requirement rules 

Prove basic knowledge of Portuguese 

We strongly recommend Portugal’s program 

for families with young children from 

countries that accept dual citizenship or 

for families that plan to move to Europe 

permanently once they have obtained 

Portuguese citizenship. Malta may offer a 

quicker path to EU citizenship, but we consider 

a Portuguese passport to be of higher value and 

with less sustainability risk. Please contact us for 

a free initial consultation. 

Our Process 

Initial client 

advisory and 

planning session 

Selection and 

due diligence of 

investment 

Client meetings with 

lawyers, bank and 

immigration office, all 

in one day 

Execution of property 

purchase and 

residency application 

We, at RBIS, believe that talent 

and character, not nationality 

or origin, should decide where 

people can travel, live, study and do 

business. Our purpose is to assist individuals 

and families in achieving their goals by 

enabling them to change or obtain additional 

residencies or citizenships. 

RBIS is a team of legal and investment specialists 

providing international clients a tailor-made 

“one-stop shop” solution to obtain a residencyor 

citizenship-by-investment. RBIS: 

n Minimizes the time and effort required by 

managing the overall process 

n Guarantees consistent high-quality 

service through trusted local experts 

n 

Ensures good investment returns by 

having a network of property experts and 

other businesses compete for your money. 

RBIS hands-back to clients any commission 

received from the seller to avoid any “conflict 

of interest”. 

Our process enables us to first understand and 

validate the objectives and needs of our clients 

before executing the agreed plan. The client also 

remains in control and only needs to commit 

funds step-by-step minimizing the financial risk. 

RBIS Investment Approach 

RBIS searches, benchmarks and undertakes 

financial and legal due diligence for clients to 

ensure they make good investment decisions. 

We make real estate experts and other 

businesses compete for your investment to 

improve return. For clients that do not want to 

permanently relocate, we recommend smaller 

rental properties or commercial real estate as 

these offer higher yields vs. larger residential 

properties. We also provide simple and cost 

effective property management solutions. By 

not paying any client referral fees and handing 

back any commissions received from the seller, 

we also lower the overall cost for clients. 

Who should consider investing 

in Portugal 

Contrary to other residency-by-investment 

programs (e.g. USA, UK, Canada) Portugal 

does not require permanent presence in the 

country to maintain the right of residency. 

It is therefore not necessary to move one’s 

tax residence to obtain Portuguese residency 

rights and unrestricted travel access to the 

Schengen area. 

Residency-by-Investment Services LLC, 

Zug, Switzerland 

Tel: +41 41 508 70 16 

Email: info@rbis.com 

www.rbis.com 



Portugal offers one of the most attractive golden visa programmes in Europe. A minimum property investment of €500,000 is required. 

Several golden visa schemes have been 

launched by European countries in 

recent years. All have differing levels of 

investment to qualify but more importantly the 

residency and citizenship benefits of the various 

programmes can vary greatly. 

The essential ingredient of each programme 

is the granting of a residency visa subject to a 

certain level of investment in real estate in the 

country concerned. 

The benefit of the European schemes is the 

requirement not to have to live in the country 

concerned in order to retain and renew the visa. 

There are minimum visiting requirements in 

many cases for renewal typically as low as just 

two weeks every two years. 

The lack of a requirement to reside has opened 

the programmes up to a whole market of 

investors who have no intention of leaving 

the country they live in. Many of our investors 

are frequent business or leisure travellers. 

Some programmes enable the granting of a 

Schengen visa and this is particularly beneficial 

for clients who travel frequently throughout 

the EU Schengen visa zone thereby avoiding 

the need to keep renewing travel visas. Again, 

careful planning is needed because certain 

countries, such as Cyprus, are outside the 

Schengen zone. 

The need not to have to reside also keeps 

investors outside the clutches of taxation for 

that country except for assets physically located 

there. But the holding of the golden visa acts 

as an insurance policy for the future in what 

are uncertain times for many countries. Once 

the residency visa is granted, the holder, and 

often their family, has the right to live in that 

country, indefinitely as long as the investor visa 

is renewed. 

Citizenship and a 

European Passport 

We are often asked about citizenship and the 

granting of a passport. The programmes differ 

between the various European countries. Some, 

for example Spain, require permanent residence 

in the country first before granting citizenship. 

Others, such as Portugal, do not and are more 

flexible in timescale and requirements. With 

citizenship of an individual EU country comes 

citizenship of the EU. One of the founding 

principles of the EU is the free movement of 

its citizens. This means the right to live, work 

or study anywhere within the European Union. 

That includes all the member states including 

the United Kingdom. 

Family 

A key consideration for many investors is the 

granting of visas to family members. Again 

programmes can differ but generally partners 

and dependent children, sometimes those in full 

time education will be included. Where family 

members fall outside this criteria it is possible 

with some countries to combine several 

investments into one property. For example 

two €500,000 investments combined into one 

property of €1 million. Or multiple properties 

combined into one investment of €500,000. 

Real Estate Investment 

Security and investment return for investors 

are key. Many properties are bought for visa 

investment without the intention to live in 

or use the property. Our advice in this area is 

important in obtaining the right property to 

achieve long term capital gain, rental return 

and management of the asset which avoids 

the investor having to take an active part 

going forward. It is important to choose the 

right area for rental. Some coastal areas or golf 

resorts are good for holiday rental, allowing 

use by the owner between rentals. A lifestyle 

option combined with income. Property in 

cities tends to be let longer term without rental 

gaps but offer few opportunities for personal 

use. Guaranteed rental schemes on some 

properties can offer a number of weeks each 

year for personal use and a guaranteed yield. 

The Market 

The real estate market and its point in the cycle 

differs between countries. In general real estate 



Prices in Lisbon are typically 25% below their peak. But demand for visas has helped turn the market in the last 12 months and prices are now rising. 

prices post credit crisis have been depressed 

20% to 30% and are now seeing a turn. 

Compared to other, potentially inflated markets 

such as London, cities like Barcelona, Madrid 

and Lisbon offer opportunities for investors. 

In Lisbon we have found that demand for over 

1000 visas this year is itself starting to move 

the market at the €500,000 and above price 

level. The lack of supply is beginning to push 

up prices. 

Requirements 

The EU programmes on offer provide very few 

hurdles. Once the minimum investment in 

real estate is made (for example €500,000 in 

Spain or Portugal, €300,000 in Cyprus) investors 

have very few criteria to satisfy. Requirements 

are essentially a lack of criminal record, not 

having previously been refused entry to the 

EU Schengen visa countries and possessing 

sufficient medical insurance. 

Process 

The process is fairly straightforward. It can 

differ by country but that of Portugal is a good 

example to use. We often advise clients to set 

aside a few days to visit the country. During this 

visit we will accompany the client to view real 

estate options and meet with lawyers who act 

directly for the client. It is important to set up a 

bank account while in the country and to visit 

the immigration authorities for fingerprinting 

and photograph. After that the appointed 

lawyers are able to take care of processing 

the property purchase and subsequently the 

granting of the visa. After property purchase it 

can take typically 4 - 8 weeks for the residency 

visa to be obtained. 

About Us 

La Vida International has been selling property 

to international investors since 2005 and many 

of the countries we have been involved in such 

as Spain and Portugal now offer residency and 

potential citizenship for investors in real estate. 

We set up a separate division with website 

www.goldenvisas.com to specialise in the 

golden visa programmes for several European 

countries and clients can also follow our specific 

country blogs and raise questions at www. 

spainvisas.com and www.portugalvisas.com 

We have experienced high demand from 

Middle Eastern clients from businessmen 

through to former politicians but in all cases we 

treat our clients with the utmost respect and 

confidentiality for what in some circumstances 

is a sensitive transaction. 

With our offices located in central London it has 

been convenient for many of our investors to 

meet face to face with our experts in the UK for 

advice before visiting the country where they 

are considering investing. We welcome these 

Golf resort properties offer a mix of lifestyle 

and rental potential with full management 

of the property. 

initial meetings because it often transpires that 

the initial country of preference is not the most 

suitable for the clients’ objectives. 

Get in Touch 

Golden Visas by La Vida 

Tel: +44 1923 842455 

E: enquiries@goldenvisas.com 



About Spain 

Geography: 

Spain’s powerful world empire of the 16th and 17th centuries ultimately 

yielded command of the seas to England. Southwestern Europe, 

bordering the Mediterranean Sea, North Atlantic Ocean, Bay of Biscay, 

and Pyrenees Mountains; southwest of France 

Spain is one of the leading global economic powers: the 7th largest 

recipient of FDI worldwide1. Spain´s appeal for foreign investors lies not 

only in its domestic market, boasting considerable purchasing power, but 

also in the possibility of operating in third-country markets using Spain as 

a base, courtesy of its privileged geostrategic position: it belongs to the 

European Union and is the gateway to North Africa and Latin America 

(due to its strong economic, historic and cultural ties in this latter case).. 

Residency: 

Recently Spain introduced a new law (which is was approved on 30th 

September 2013) to attract foreign, non-European, investors in exchange 

for 5 year Schengen Visa. Individuals wishing to reside in Spain and to 

set up or acquire a company there must apply for a temporary residence 

permit and a work permit as an entrepreneur. 

Travel freely to the Europe Schengen area (the European Union) simply 

by purchasing real estate in Spain. Travel freely and only required to be in 

Spain once every two years, i.e. when you have to renew your visa. And, 

if you want to spend most of your time in Spain, simply wait for five years 

and then apply for your “unlimited residence permit”. 

After ten years of residing in Spain, you can apply for Spanish nationality, 

and once you have a Spanish citizenship and passport you can live and 

work anywhere in Europe. 

Requirements for a Golden Visa: 

n 

n 

Invest in a company and increase employment 

Invest a min. of 500.000 Euros in house / flats 

n 

n 

n 

n 

n 

n 

n 

n 

n 

n 

n 

n 

Investment of 1 Million Euro in corporate shares or cash at bank (5 years) 

Investment of 2 Million Euro in Spanish bonds (5 years) 

Not be an illegal resident in the Spanish national territory 

Be 18 years old, or older 

Have no criminal records in the previous five years 

Have never been refused entry into European countries 

Provide sufficient funds to support yourself and your family during 

residency 

Hold a private medical insurance cover 

Pay all relevant (application) fees 

Provide proof that you are the owner of the property and the 

purchase must be dated no more than 90 days prior to submitting 

your application 

Comply with all taxes and social security obligations in the region 

Travel to Spain at least during period of authorization 

Procedures: 

n 

n 

n 

n 

The qualifying terms for the Golden Visa are that you have to invest 

€500.000 in a property, and the home/apartment you buy should be 

a cash purchased. You can also buy multiple properties and apply for 

the visa if the total value is equivalent to or more than €500.000. You 

can only apply for the Golden Visa after you’ve made a purchase. 

It can take two or three months to complete a property purchase in 

Spain, but take your own time to decide the property you want to 

own. Investors can make money by renting out your home as well. 

The processing time for Spain’s Golden Visa is about ten days, and 

a maximum of 20 days. You’ll be granted a one-year visa the first 

time you apply and you can renew it for two years if your property is 

retained (i.e. your investment is still worth €500.000). 

Once you complete your five years of Golden Visa, you can apply for 



Independent Experts you can trust 

Switzerland, Spain, Portugal, Andorra 

While making it easier to obtain and maintain 

temporary residency status, Spain has not 

changed its rules to qualify for permanent 

residency or citizenship. The former requires 

5 years of uninterrupted legal stay, the 

latter 10 years. Therefore Spain, unlike Malta 

or Portugal, is not an attractive option for 

families whose main focus it is to obtain EU 

citizenship, without permanently relocating. 

On the other hand, Spain is an attractive 

and affordable country to have a residency 

for safe-haven, holiday, retirement or 

foreign investment purposes. 

Madrid and Barcelona are vibrant 

cosmopolitan cities, which offer good quality 

of life and economic opportunities for families 

who are considering permanent relocation. 

Please contact us for a free initial consultation. 

Our Process 

Initial client 

advisory and 

planning session 

Selection and 

due diligence of 

investment 

Client meetings with 

lawyers, bank and 

immigration office, all 

in one day 

Execution of property 

purchase and 

residency application 

We, at RBIS, believe that talent 

and character, not nationality 

or origin, should decide where 

people can travel, live, study and do 

business. Our purpose is to assist individuals 

and families in achieving their goals by 

enabling them to change or obtain additional 

residencies or citizenships. 

RBIS is a team of legal and investment specialists 

providing international clients a tailor-made 

“one-stop shop” solution to obtain a residencyor 

citizenship-by-investment. RBIS: 

n Minimizes the time and effort required by 

managing the overall process 

n Guarantees consistent high-quality 

service through trusted local experts 

n 

Ensures good investment returns by 

having a network of property experts and 

other businesses compete for your money. 

RBIS hands-back to clients any commission 

received from the seller to avoid any “conflict 

of interest”. 

Our process enables us to first understand and 

validate the objectives and needs of our clients 

before executing the agreed plan. The client also 

remains in control and only needs to commit 

funds step-by-step minimizing the financial risk. 

RBIS Investment Approach 

RBIS searches, benchmarks and undertakes 

financial and legal due diligence for clients to 

ensure they make good investment decisions. 

We make real estate experts and other 

businesses compete for your investment to 

improve return. For clients that do not want to 

permanently relocate, we recommend smaller 

rental properties or commercial real estate as 

these offer higher yields vs. larger residential 

properties. We also provide simple and cost 

effective property management solutions. By 

not paying any client referral fees and handing 

back any commissions received from the seller, 

we also lower the overall cost for clients. 

Who should consider investing 

in Spain 

Contrary to other residency-by-investment 

programs (e.g. USA, UK, Canada) Spain does 

not require permanent presence in the 

country to maintain the right of residency. 

It is therefore not necessary to move one’s tax 

residence to obtain Spanish residency rights and 

unrestricted travel access to the Schengen area. 

Residency-by-Investment Services LLC, 

Zug, Switzerland 

Tel: +41 41 508 70 16 

Email: info@rbis.com 

www.rbis.com 



ش 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ش 

ف 

ف 

ي 

ف 

ف 

ض 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ن ف 

ش 

n 

n 

unlimited residency. If you want to become a Spanish national, you can 

apply for citizenship and passport after ten years of residing in Spain. 

There is no minimum stay requirement with the Golden Visa, which 

means you can travel freely. 

After getting a Golden Visa applicants will be able to own and run 

a business, but you are not allowed to work until you receive your 

permanent residency permit. 

n 

n 

of Europe for up to 180 days. 

Spain’s national healthcare system is ranked seventh best in the 

world, but many people prefer to purchase private healthcare. 

There are no strict rules for the property you’ve purchased, therefore 

you can rent out your properties for private or commercial use. 

Meanwhile, you can continue your search for investment in other 

residential or commercial buildings or even developed land. 

Benefits: 


n 

n 

Your immediate family members also qualify for the Golden Visa once 

your application is approved. Your spouse and kids can also travel 

and live with you 

Unlike other temporary visas, the Golden Visa allows multiple entries 

and exits for your destination. Further, you can travel throughout all 

Any investor interested in applying for a Golden Visa, can submit the 

application, either personally or via a legal representative. 

n 

n 

n 

تقديم إثبات أنك مالك العقار ويجب أن تكون مؤرخة ش ‏اء ما ل يزيد عن 90 يوما قبل تقديم طلبك 

المنطقة 

ف 

المتثال لجميع ض الائب ت ز والامات الضمان الجتماعي ي 

السفر إىل إسبانيا عل أ القل خالل ت فة ت الخيص 


n 

يكون 

n 

n 

n 

n 

n 

ش الوط المؤهلة ي ز لفا الذهبية هي أن لديك لستثمار € 500،000 ي الممتلكات،‏ ن ز ومل / شقة ت تشي يجب أن 

ش اؤها نقدا.‏ يمكنك أيضا ش ‏اء العقارات متعددة وطلب للحصول عل ي تأشة إذا كانت القيمة الإجمالية 

‏.تعادل أو ث أك‏ من €. 500،000 يمكنك تطبيق فقط ي ز لفا الذهبية بعد أن كنت قد قدمت ش الاء.‏ 

اسبانيا،‏ ولكن تأخذ الوقت الخاص بك 

ف 

يمكن أن يستغرق شهرين أو ثالثة أشهر لستكمال ش ‏اء ممتلكات ي 

لتحديد الخاصية ي ت ال‏ ترغب ي امتالك.‏ يمكن للمستثمرين كسب المال عن طريق ي تأج‏ ن ز ملك أيضا.‏ 

الوقت الالزم ي ز للتجه‏ لإسبانيا ب ي الذه‏ ي ز فا حواىلي ش عة أيام،‏ وبحد أق‏ 20 يوما.‏ عليك الحصول عل ي تأشة 

لمدة سنة ي المرة أ الوىل ي ت ال‏ تطبق ويمكنك تجديدها ي ن لعام‏ إذا تم الحتفاظ الممتلكات الخاصة بك ‏)أي 

.(€ الستثمار الخاص ل يزال بقيمة 500،000. 

وبمجرد النتهاء خمس سنوات من ي ز فا الذهبية،‏ يمكنك تقديم طلب للحصول عل الإقامة ي غ‏ محدود.‏ إذا 

كنت ترغب ي الحصول عل الجنسية الإسبانية،‏ يمكنك تقديم طلب للحصول عل الجنسية وجواز السفر بعد ع‏ 

سنوات من ي ن المقيم‏ ي اسبانيا.‏ 

ليس هناك ش ‏ط الحد أ ال ن د‏ لالإقامة مع ي ز فا الذهبية،‏ مما ي ن يع‏ أنه يمكنك التنقل بحرية . 

بعد الحصول عل ي ن المتقدم‏ سوف الذهبية ي ز فا تكون قادرة عل امتالك وتشغيل أ العمال،‏ ولكن ل يسمح لك 

العمل ت ح‏ تتلقى تيح الإقامة الدائمة الخاصة بك.‏ 


n 

n 

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n 


نهاية المطاف قيادة البحار إىل 

ف 

اسبانيا ب إماطورية عالمية قوية من ي ن القرن‏ السادس ش ع‏ والسابع ع‏ ي 

ت إنجلا.‏ جنوب غرب أوروبا،‏ وتطل عل البحر أ البيض المتوسط،‏ وشمال المحيط ال ي أ طلس وخليج بسكاي،‏ وجبال 

ب الانس جبال؛ وجنوب غرب فرنسا.‏ 

جميع 

ف 

اسبانيا هي واحدة من القوى القتصادية العالمية الرائدة:‏ سابع ب أك‏ متلق لالستثمار ال ب ي أ جن‏ المبا‏ ي 

أنحاء العالم.‏ نداء أسبانيا للمستثمرين أ الجانب ل يكمن فقط ي السوق المحلية،‏ ويضم القوة ش الائية 

الجغرا‏ 

ف 

ي كبة،‏ ولكن أيضا ي إمكانية العمل ي أسواق دولة ثالثة باستخدام أسبانيا كقاعدة،‏ من باب موقعها ي 

ت الساتيجي ي ز المم‏ : أنه ينتمي إىل أ ال ب ي ورو‏ والتحاد هو بوابة لشمال أفريقيا وأمريكا الالتينية ‏)بسبب عالقاتها 

‏(القوية القتصادية والتاريخية والثقافية ي هذه الحالة أ ال ي خة.‏ 


أفراد عائلتك مؤهلون أيضا ي ز للفا الذهبية بمجرد الموافقة عل طلبك.‏ زوجتك والطفال ويمكن أيضا أن 

يسافرون ويعيشون معك 

وخالفا عن ي التأشات المؤقتة أ الخرى فإن ي ز الفا الذهبية تسمح بمداخل ومخارج متعددة لوجهتك.‏ وعالوة عل 

ذلك،‏ يمكنك السفر ي جميع أنحاء أوروبا لمدة تصل إىل 180 يوما.‏ 

بحتل نظام الرعاية الصحية ي ن الوط‏ ي اسبانيا السابع عل مستوى العالم،‏ لكن ي الكث‏ من الناس يفضلون ش ‏اء 

الرعاية الصحية الخاصة.‏ 

ل توجد قواعد صارمة للممتلكات كنت قد ت اشيت،‏ لذا يمكنك ي تأج‏ الممتلكات الخاصة بك لالستعمال 

الخاص أو التجاري.‏ ي و‏ الوقت نفسه،‏ يمكنك الستمرار ي البحث عن الستثمار ي ي المبا‏ السكنية أو التجارية أو 

ي غها من ال ي أ ض را‏ ت ح‏ المتقدمة.‏ 


أي مستثمر يرغب ي التقدم للحصول عل ي ز الفا الذهبية يمكن تقديم الطلب،‏ إما شخصيا أو عن طريق ممثل 

قانون 

ش 

أسفرت 

قدمت اسبانيا مؤخرا قانونا جديدا ي ت ‏)ال‏ وافقت علىه 30 ب سبتم‏ 2013( لجذب المستثمرين أ الجانب،‏ غ‏ 

ال ي ن وروبي‏ ، مقابل 5 سنوات ي ز فا شنغن.‏ أ الفراد الذين يرغبون ي الإقامة ي اسبانيا وانشاء أو الستحواذ عل ش ‏كة 

أ 

هناك يجب التقدم بطلب للحصول عل تيح إقامة مؤقت وتيح العمل كرائد اعمال.‏ 

اسبانيا.‏ السفر 

ف 

السفر بحرية إىل منطقة شنغن أوروبا ‏)التحاد أ ال ب ي ورو‏ ) ببساطة عن طريق ش ‏اء العقارات ي 

بحرية ومطلوب فقط الوجود ي اسبانيا مرة واحدة كل ي ن عام‏ ، أي عندما تحتاج لتجديد ي التأشة.‏ بالإضافة إىل 

ذلك،‏ إذا كنت تريد أن ي ض تق‏ معظم وقتك ي اسبانيا،‏ ببساطة النتظار لمدة خمس سنوات ومن ثم تطبيق 

‏”لجهاز ‏“تيح الإقامة ي غ‏ محدود.‏ 

بعد ع‏ سنوات من ي ن المقيم‏ ي اسبانيا،‏ يمكنك تقديم طلب للحصول عل الجنسية الإسبانية،‏ ومرة واحدة 

لديك الجنسية السبانية وجواز السفر يمكنك العيش والعمل ي أي مكان ي أوروبا.‏ 

متطلبات الحصول عىل ي التأشة الذهبية:‏ 

الستثمار ي 

ن . من 500.000 يورو 

ي 

n 

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n 

n 

ش كة وزيادة فرص العمل 

ي ن ز مل / الشقق 

استثمر الحد أ الد‏ 

‏(الستثمار من 1 مليون يورو ي أسهم ال‏ 

السندات السبانية )5 سنوات 

ف 

‏(استثمار 2 مليون يورو ي 

ل تكون مقيم غ‏ ش عي ي ال ي أ ض را‏ الوطنية السبانية 

كن 18 سنة،‏ أو ث أك‏ 

السنوات الخمس السابقة 

ف 

ليس لديهم سجالت جنائية ي 

لم يتم رفض دخول الدول ال أ وروبية 

ي توف‏ أ الموال الكافية لدعم نفسك وعائلتك أثناء الإقامة 

عقد غطاء ي ن التأم‏ ب ي الط‏ الخاص 

دفع كل ‏)تطبيق(‏ الرسوم ذات الصلة 

بنك )5 سنوات 

ف 

ش كات أو النقدية ي 




About Cyprus 

Cyprus, officially the Republic of Cyprus, is an island country in the Eastern 

Mediterranean Sea. Cyprus is the third largest and third most populous island in the 

Mediterranean, and a member state of the European Union. It is located south of Turkey, 

west of Syria and Lebanon, northwest of Israel, north of Egypt and east of Greece. 

The earliest known human activity on the island dates to around the 

10th millennium BC. Archaeological remains from this period include the 

well-preserved Neolithic village of Khirokitia, and Cyprus is home to some 

of the oldest water wells in the world. Cyprus was settled by Mycenaean 

Greeks in two waves in the second millennium BC. At a strategic location 

in the Middle East, it was subsequently occupied by several major 

powers, including the empires of the Assyrians, Egyptians and Persians, 

from whom the island was seized in 333 BC by Alexander the Great. 

Subsequent rule by Ptolemaic Egypt, the Roman Empire, the Byzantines, 

Arab caliphates for a short period, the French Lusignan dynasty and the 

Venetians, was followed by over three centuries of Ottoman occupation. 

Geography: 

Cyprus is 240 kilometers long and 100 km (62 mi) wide, with Turkey 

75 km (47 mi) to the north. Other neighboring territories include Syria 

and Lebanon to the east (105 km and 108 km (67 mi), respectively), 

Israel 200 km (124 mi) to the southeast, Egypt 380 km (236 mi) to the 

south, and Greece to the west-northwest: 280 km (174 mi) to the small 

Dodecanesian island of Kastellórizo (Meyísti), 400 km (249 mi) to Rhodes, 

and 800 km (497 mi) to the Greek mainland. 

The island is dominated by two mountain ranges, the Troodos Mountains 

and the Kyrenia Mountains, and the central plain, the Mesaoria, between 

them. The Troodos Mountains cover most of the southern and western 

portions of the island and account for roughly half its area. The narrow 

Kyrenia Range extends along the northern coastline. It is not as high as 

the Troodos Mountains, and it occupies substantially less area. The two 

mountain ranges run generally parallel to the Taurus Mountains on the 

Turkish mainland, the outlines of which are visible from northern Cyprus. 

Coastal lowlands, varying in width, surround the island. 

Geopolitically, the island is divided into four segments. The Republic 

of Cyprus, the internationally recognized government, occupies the 

southern two-thirds of the island. The Turkish Republic of Northern 

Cyprus, diplomatically recognized only by Turkey, occupies the northern 

one-third of the island. The United Nations-controlled Green Line is 

a buffer zone that separates the two. Lastly, two bases under British 

sovereignty, Akrotiri and Dhekelia, are located in the south of the island. 

Citizenship: 

Under Cyprus legislation, “…the Minister of Interior has the right to grant 

a certificate of naturalization, upon application by any alien adult with 

full capacity, who satisfies the Minister that he/she fulfils the criteria for 

naturalization according to the third table of the law.” 

In 2011, Cyprus first introduced a Citizenship-by-Investment program, 

which has undergone several updates since. Note that the Cypriot 

Government is currently reviewing the program, and it is expected that 

the investment requirements will be further lowered from current levels 

and that a residence requirement of at least one year will apply, following 

the agreement reached between Malta and the European Commission, 

which introduced such a requirement. 














1. National Investment and Donation 

With this option, an amount of Euro 2 million must be deposited 

with the Treasury of the Republic, as an investment in the National 

Investment Company. Additionally, Euro 500,000 needs to be 

donated to the Research and Technology Fund. 

2. Direct Investments 

The applicant can also make a direct investment into the Republic of 

Cyprus amounting to at least Euro 5 million including the purchase 

of real estate, businesses, shares or other financial assets. Real estate 

must be held for a minimum period of three years. 

3. Bank Deposits 

With the bank deposits option, the applicant should have personal 

deposits in Cypriot banks or deposits of privately owned companies 

or of a trust (in which he is a shareholder, settlor or beneficiary) in the 

Republic of Cyprus amounting to a minimum of Euro 5 million. Such 

deposits must be held in a banking institution within the Republic of 

Cyprus for a period of no less than three years. 

4. Local Business Activities 

This option of obtaining citizenship is more complex. An applicant 

must establish a new company registered in the Republic of Cyprus 

in which they have full control. Following this, the company must 

have paid to the Government of Cyprus an amount of at least Euro 

500,000 per annum for the three years preceding the citizenship 

application submission date. 

Alternatively, if the headquarters of the company are located in 

Cyprus and no less than five Cypriot citizens find employment 

there, the annual government fee is reduced to Euro 350,000. If the 

business employs 10 Cypriot citizens or more, the amount decreases 

to Euro 250,000. In all of the above cases, a three-year period 

preceding the application must be met. 

5. Combination (mixed option) 

The applicant can also choose to fulfil a combination of requirements 

stated in points 2, 3, and 4. 

6. Impaired deposits with the Bank of Cyprus or Popular Bank 

A further option is available for applicants who have incurred an 

impairment in deposits on one or both of the abovementioned 

Banks amounting to a total of at least Euro 3 million. 

Requirements: 

1. Clean Criminal Record: the applicant must have a clean criminal 

record. Furthermore, his name must not be included on the list of 

persons whose property is ordered to be frozen within the boundaries of 

the European Union. 

2. Residence in the Republic of Cyprus: In all cases listed in Part A, 

the applicant must hold a permanent privately owned residence in 

the Republic of Cyprus, the purchase price of which must be at least 

€500.000, plus V.A.T. 

It is noted that members of the same family, which apply separately as 

investors, can collectively acquire a residence, if the total value of this 

home-property covers the amount of € 500.000 per each applicant. 

Procedures & Documents: 

The application is submitted at the Ministry of Interior, where the amount 

of €2.000 is paid as fees. At the Ministry of Interior, the original documents 

should be submitted, along with a photocopy of all the documents. The 

list of the necessary documents is as follows: 

n Letter by the applicant or by the representative of the applicant, in 

which the investment and criterion, under which the application is 

submitted, are briefly explained. 

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Application Form M127 fully completed and signed before a Registrar 

of a Cypriot court or a consular officer 

Birth certificate 

Copy of passport 

Certificate of criminal record from the country of origin 

Marriage certificate 

Copies of advertisements in a daily newspaper two consecutive posts 

Two passport size photographs 

Curriculum Vitae 

Documents concerning the permanent privately owned residence of 

the applicant in Cyprus 

Documents evidencing the investments of the applicant in the 

republic. 

Benefits: 

n 

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Free movement of people 

• Freely travel and reside (and work) within the EU 

All family can obtain Cyprus citizenship 

• Spouse, children under 18 years, adults dependent children 

Free movement of capital 

• Transfer any amount of money from any member state to 

another, purchase of property in any EU member state of choice 

and invest in any activities of choice 

Free movement of services 

• Establishment and free movement of services –individual citizens 

and companies can offer services without hindrance in all EU 

member states. 

n 

n 

Free movement of goods 

• All goods produced in EU member states can be transferred 

freely from any member state to another 

No requirement to physically reside in Cyprus 

• Either before the application or after obtaining the citizenship 


The best way to proceed is to contact one of the accounting / consulting 

firms that can provide you with the legal / economical advice and help 

you with the procedures and the application up until receiving the 

Cyprus passport. 

Sources 

Republic of Cyprus, Ministry of Interior www.moi.gov.cy 

Cyprus Investment Promotion Agency www.investcyprus.org.cy 



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خيارات االستثمار:‏ 

n االستثمار القومي ب والتع:‏ 

مع هذا الخيار،‏ يجب أن يتم إيداع مبلغ من 2 مليون يورو مع وزارة الخزانة للجمهورية،‏ كاستثمار ي ش الكة 

الوطنية لالستثمار.‏ بالإضافة إىل ذلك،‏ اليورو 500،000 يحتاج إىل ب التع لصندوق البحوث والتكنولوجيا.‏ 

n االستثمارات ش المبارسة:‏ 

 

ف 

يمكن للطالب أيضا جعل الستثمارات ش المباة إىل جمهورية ب قص تصل إىل ما ل يقل عن 5 ي ن مالي‏ يورو بما ي 

ش اء العقارات ش والكات أ والسهم أو أ الصول المالية أ الخرى.‏ يجب أن تعقد العقارات لمدة ل تقل عن 

ثالث سنوات.‏ 

ذلك 

n ودائع البنوك:‏ 

مع خيار الودائع المفية،‏ ينبغي أن يكون لمقدم الطلب ودائع شخصية ي البنوك أو ودائع من ش الكات 

ت ال‏ 

المملوكة للقطاع الخاص أو من الثقة ‏)والذي هو أحد ي ن المساهم‏ ، المكلف أو المستفيد(‏ ي جمهورية ب قص ي 

تبلغ ما ل يقل عن 5 ي ن مالي‏ يورو ب ق‏ ي ص . يجب أن تعقد مثل هذه الودائع ي مؤسسة مفية داخل جمهورية 

ب قص لمدة ل تقل عن ثالث سنوات.‏ 

n أ االنشطة التجارية المحلية:‏ 

 

ف 

هذا الخيار من الحصول عل الجنسية هو ث أك‏ تعقيدا.‏ يجب عل مقدم الطلب إنشاء ش ‏كة جديدة مسجلة ي 

جمهورية ب قص ي ت ال‏ لديهم السيطرة الكاملة.‏ ي و‏ أعقاب ذلك،‏ يجب عل ش الكة دفع حكومة ب قص مبلغا ل يقل 

‏.عن 500،000 يورو سنويا للسنوات الثالث السابقة لتاريخ تقديم طلب الجنسية.‏ 

بدل من ذلك،‏ إذا كان مقر ش الكة يقع ي ب قص ي ن والمواطن‏ القبارصة يمكن العثور عل عمل هناك،‏ يتم تخفيض 

رسوم الحكومي السنوي إىل 350،000 يورو.‏ إذا توظف أ العمال ي ن المواطن‏ القبارصة 10 أو ث أك‏ ، يقلل من المبلغ 

يورو.‏ ي كل من الحالت المذكورة أعاله،‏ يجب أن تتحقق لمدة ثالث سنوات ي ت ال‏ سبقت التطبيق 250،000. 

n المزيج:‏ 

أقرب نشاط ش بي معروف عل الجزيرة يعود إىل حواىلي أ اللف ش العا‏ قبل الميالد.‏ البقايا أ الثرية من هذه ت الفة 

تشمل قرية الع‏ الحجري الحديث المحفوظة جيدا،‏ ب وقص هي موطن لبعض من أقدم آبار المياه ي العالم.‏ 

وقد استقر ب قص الميسينية ي ن اليوناني‏ عل ي ن دفعت‏ ي أ اللف ي الثا‏ قبل الميالد.‏ ي موقع ت اساتيجي ي منطقة ش الق 

الوسط،‏ احتلت لحقا من قبل العديد من القوى ب الكى،‏ بما ي ذلك ب الإماطوريات من آ ال ي ن شوري‏ ي ن والمي‏ 

أ 

والفرس،‏ ومنهم من تم الستيالء عل الجزيرة عام 333 قبل الميالد عل يد الإسكندر أ ال ب ك‏ . حكم الالحقة م‏ 

‏،البطلمية،‏ ب والإماطورية الرومانية،‏ ي ز والب‏ ي ن نطي‏ ، الخالفة العربية ت لفة ي قصة،‏ من ساللة لوزينيان الفرنسية والبنادقة 

تلتها ث أك‏ من ثالثة قرون من الحتالل العثما‏ 

الناحية الجغرافية:‏ 

الفقرات 2 و‎3‎ و‎4‎‏.‏ 

ف 

يمكن للطالب أيضا اختيار لتلبية مجموعة من المتطلبات المنصوص عليها ي 

ي . 

يهيمن عل الجزيرة من قبل ي ن اثن‏ من سالسل الجبال،‏ جبال ترودوس وجبال ي كينيا،‏ والسهل أ الوسط،‏ وميساوريا 

بينهما.‏ تغطي جبال ترودوس معظم أ الجزاء الجنوبية والغربية من الجزيرة وتمثل ما يقرب من نصف مساحتها.‏ 

يوسع نطاق ضيق ي كينيا عل طول الساحل الشماىلي . انها ليست عالية مثل جبال ترودوس،‏ وتحتل مساحة أقل 

ي بكث‏ . سالسل الجبال ي ن اثن‏ تشغيل عموما موازية لجبال طوروس ي ب ال‏ ت ال‏ كي ، الخطوط العريضة المرئية من 

شمال ب قص.‏ السهول الساحلية،‏ ومتفاوتة ي العرض،‏ تحيط الجزيرة.‏ 

الناحية الجغرافية السياسية،‏ تنقسم الجزيرة إىل أربع ش ‏ائح.‏ جمهورية ب قص،‏ فإن الحكومة ت المعف بها دوليا،‏ 

تحتل جنوب ي ث ثل‏ الجزيرة.‏ تحتل الجمهورية ت الكية شمال ب قص،‏ ت اعفت دبلوماسيا سوى تركيا،‏ والثلث الشما يىل 

من الجزيرة.‏ الخط أ الخ‏ ي ت ال‏ تسيطر عليها أ المم المتحدة منطقة عازلة ي ت ال‏ تفصل البلدين.‏ ي وأخا،‏ ي ن قاعدت‏ 

تحت السيادة ب اليطانية،‏ ي أكروتي وديكيليا،‏ وتقع ي الجنوب من الجزيرة.‏ 


 

بموجب تيع ب قص “... وزير الداخلية له الحق ي منح شهادة ي ن التوط‏ ، بناء عل طلب أي شخص بالغ ب ي أجن‏ 

“ مع قدرة كاملة،‏ الذي ي ض ير‏ الوزراء أنه / أنها ب ي تل‏ ي معاي‏ الجنسية وفقا للجدول الثالث من القانون.‏ 

ي عام 2011، أدخلت ب قص أول برنامج المواطنة عل حدة الستثمار،‏ الذي شهد العديد من التحديثات منذ 

ذلك ي ن الح‏ . لحظ أن الحكومة ب القصية حاليا تستعرض ب النامج،‏ ومن المتوقع أن متطلبات الستثمار سيتم 

خفض مزيد من المستويات الحالية ي ت وال‏ من شأنها أن ش ‏ط الإقامة لمدة سنة عل أ القل تنطبق،‏ ي أعقاب اتفاق 

تم التوصل اليه ي ن ب‏ مالطا والمفوضية أ ال وروبية،‏ ي ت وال‏ أدخلت مثل هذا ش الط.‏ 

ودائع إعاقة مع بنك ب قص أو البنك ب ي الشع‏ : 

متاح ي ن للمتقدم‏ الذين تكبد انخفاض ي ودائع عل أحد البنوك المذكورة أعاله تصل إىل ما مجموعه 3 ي ن مالي‏ يورو 

‏.عل أ القل أو كليهما ثمة خيار آخر 



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عن ب قص:‏ 

ش رسق البحر أ االبيض المتوسط.‏ ب قص هي ثالث ب أك‏ جزيرة والثالثة أ االك‏ 

ف 

ب قص،‏ رسميا جمهورية ب قص،‏ هي دولة جزيرة ي 

‏،اكتظاظا بالسكان ي البحر أ االبيض المتوسط،‏ ودولة عضو ي االتحاد أ اال ب ي ورو‏ . وهي تقع جنوب تركيا،‏ غرب سوريا ولبنان 

شمال غرب إرسائيل،‏ شمال ش رسق مرص واليونان.‏ 


n 

حرية تنقل ال أ شخاص 

• حرية السفر والإقامة ‏)والعمل(‏ داخل التحاد أ ال ب ي ورو‏ 

n 

n 

n 

n 

كل أ ال ‏ة تستطيع الحصول عل الجنسية ب القصية 

• الزوج أ والولد تحت سن 18 سنة،‏ والكبار أ والطفال ي ن المعال‏ 

حرية حركة رأس المال 

• تحويل أي مبلغ من المال من أي دولة عضو إىل أخرى،‏ ش واء العقارات 

أي أنشطة الختيار 

ف 

التحاد أ ال ب ي ورو‏ ي الختيار والستثمار ي 

 

ف 

ي أي دولة عضو ي 

حرية حركة الخدمات 

 

ف 

إنشاء وحرية حركة الخدمات ي ن ‏-المواطن‏ أ الفراد ش والكات يمكن أن تقدم الخدمات دون عائق ي 

.• جميع الدول أ العضاء ي التحاد أ ال ب ي ورو‏ 

حرية حركة السلع 

كل السلع المنتجة ي الدول أ العضاء ي التحاد أ ال ب ي ورو‏ يمكن نقل بحرية من أي دولة عضو إىل 

• أخرى 

n 


ئ جنا‏ نظيف.‏ وعالوة عل ذلك 

n ‏،سجل ي جنا‏ نظيف:‏ يجب أن يكون المتقدم حاصال عل سجل ي 

يجب أل يكون اسمه مدرج عل قائمة أ الشخاص الذين امر بتجميد ممتلكاتهم داخل حدود التحاد أ ال ب ي ورو‏ . 

الجزء 

ف 

يجب عل مقدم الطلب ،A الإقامة ي جمهورية ب قص:‏ ي جميع الحالت المدرجة ي 

حاصال عل إقامة ملكية خاصة دائمة ي جمهورية ب قص،‏ ويجب أن يكون سعر ش الاء منها ما ل يقل عن 

‎500,000‎بالإضافة إىل ‏يبة القيمة المضافة 

ل يوجد ش ‏ط لالإقامة فعليا ي ب قص 

• سواء قبل الطلب أو بعد الحصول عل المواطنة 


أفضل طريقة ي ض للم‏ قدما هي التصال بواحدة من ش ‏كات المحاسبة / الستشارات ي ت ال‏ يمكن أن توفر لك 

المشورة القانونية / القتصادية ومساعدتك ي الإجراءات والطلب ت ح‏ تستلم جواز سفر ب ق‏ ي ص . 

المصادر:‏ 

www.moi.gov.cy ‏،جمهورية ب قص،‏ موقع وزارة الداخلية 

www.investcyprus.org.cy ‏،وكالة النهوض بالإ ستثمار ب بقص 

n 

ي تطبق بشكل منفصل مع اقبال المستثمرين،‏ يمكن الحصول عل 

ويالحظ أن ال أ عضاء من نفس العائلة،‏ ال‏ ت 

مسكن جماعي،‏ إذا كانت القيمة الإجمالية لهذا البيت الملكية تغطي مبلغ 500,000 لكل طالب.‏ 

االإجراءات والمستندات:‏ 

n 

n 

n 

n 

n 

n 

n 

n 

n 

n 

وزارة الداخلية،‏ يجب تقديم الوثائق 

ف 

تقديم الطلب ي وزارة الداخلية،‏ حيث يتم دفع مبلغ )2,00 €( والرسوم.‏ ي 

الصلية،‏ جنبا إىل جنب مع نسخة من جميع الوثائق.‏ قائمة الوثائق الالزمة كما يلي : 

أ 

رسالة من صاحب الطلب أو من قبل ممثل مقدم الطلب،‏ مع ش ح مخت‏ لالستثمار 

يكتمل وموقع أمام مسجل محكمة ب قصية أو الموظف القنصلي M127 نموذج طلب 

شهادة الميالد 

نسخة من جواز السفر 

ئ الجنا‏ من بلد المنشأ 

شهادة من السجل ي 

شهادة الزواج 

نسخ من الإعالنات ي الصحف اليومية ي ن وظيفت‏ ي ن متتاليت‏ 

ي ن صورت‏ ي ن شخصيت‏ 

ي السة الذاتية 

وثائق بشأن إقامة دائمة مملوكة ملكية خاصة لمقدم الطلب ي ب قص 

الجمهورية.‏ 

ف 

n وثائق تثبت استثمارات لمقدم الطلب ي 




Quebec Immigrant Investor Program 

Canada’s Je ne sais quoi 

The most European province of Canada is open for business, and to immigrant investors. 

Marc-André Séguin, Attorney 

Renaissance Capital Inc. 

Business immigration seems to be in 

constant evolution, with programs 

emerging, evolving and with some even 

going down in different sorts of controversy. 

The number of countries offering expensive – 

and sometimes risky –opportunities to investors 

looking for a second passport or permanent 

residence abroad has known tremendous 

growth over the last years. But as we often see 

in life, the Classics are hard to beat. 

Based on a secure, entirely predictable and 

passive investment, the Quebec Immigrant 

Investor Program (QIIP) is the only one of its kind 

in Canada. It is also one of the most affordable, 

well-managed and most popular business 

immigration programs in the market. The fact 

that it also just happens to open the door to one 

of the World’s leading, most stable economies is 

certainly another factor behind its success. 

It is therefore little surprise that applicants 

are already lining up for its upcoming intake 

period, recently announced to open from 

January 5th until January 30th 2015. Run by 

the provincial authorities in Quebec – Canada’s 

French-speaking province – the program will 

be open to 1,750 applicants worldwide, of 

which no more than 1,200 will be allowed 

from China, in order to ensure greater diversity. 

Each authorised Financial Intermediary, such 

as Renaissance Capital, will receive a portion of 

that global quota to allocate at its discretion. 

With the Federal Immigrant Investor 

Program closed last February by federal 

Canadian authorities, the QIIP remains the 

only investment immigration program in 

Canada that is entirely bond-based, with an 

investment guaranteed by a State agency 

and that does not require job creation by the 

immigrant investor or active participation in a 

private business. 

For an investment financed as low as $CAD 

220,000, immigrant investors can access 

Canadian permanent residency and all of 

its perks. This includes top tier education 

and healthcare services, access to a vibrant 

economy along with those of the US and 

Europe through free trade agreements, and 

to one of the most innovative workforces on 

the planet. Rated every year as one of the best 

countries to live in, Canada also boasts of a very 

low crime rate, widely accessible social services, 

quality housing and a clean environment across 

a large and beautiful territory. 

Quebec being predominantly French speaking, 

the province’s immigration authorities have 

carved out exceptions for applicants who can 

demonstrate an upper-intermediate level in 

spoken French. These candidates are therefore 

not subject to any quota, can submit their 

applications anytime until March 31st, 2015, 

and will enjoy priority processing. 

Quebec: Crossroads 

Between Europe and 

America 

And for those who do not speak French or 

are interested in learning or perfecting their 

language skills, Quebec immigrants further enjoy 

access to entirely subsidised language lessons 

to assist them in fully integrating to the Quebec 

lifestyle. A lifestyle where language, culture, 

cuisine and values are a reflection of Quebec’s 

dual heritage, of which Montreal – the biggest 

city in the province and the second largest in 

Canada – is the perfect representation. The 

busy, vibrant and multicultural North American 

metropolis also offers cafés, colonial architecture 

and a cultural life that are far more reminiscent of 

its French and European roots. 

Quebec is also a perfect hub for business: 

multicultural, multilingual, with a geographical 

proximity to the major markets of the Western 

world, including New York, Toronto, Boston and 

Chicago (a one to three-hour flight away) as 

well as London and Paris (five to six hour flight). 

The Renaissance 

Advantage 

But, like with anything in business, there is 

much more beyond the numbers. Quality 

of service, and an understanding of what it 

takes to get you where you need to go are 

paramount. And at Renaissance Capital – one 

of the oldest and most trusted authorised 

Financial Intermediaries of the QIIP – we know 

that opting for an immigration program is not 

simply business as usual, it is about people’s 

lives, aspirations, and families’. 

With a strong team, Renaissance Capital has 

imposed itself as an industry leader, in touch with 

its markets and available to answer your needs, 

no matter where you are. Our permanent offices 

in many of the world’s most vibrant cities and 

travelling staff work tirelessly to ensure our role 

as a dedicated and trusted source of information, 

guidance and support to assist you through this 

important and life-changing journey. 

Immigration is about so much more than 

relocating. It is about more than money. It is 

about opening a new chapter of your life, for 

you and your family. That is why is it so crucial 

to select the program that can not only ensure 

you will get where you want to go, but that 

will do so with transparency and care. In this 

respect, Quebec offers that promise. And like 

with any serious business partner: it delivers. 

So do we. 

A leading financial institution and longstanding 

partner of the QIIP, Renaissance Capital will be 

opening its quotas for file submissions by the end 

of September. For more information about our 

free file assessment procedures and conditions 

for file submissions, please refer to our website, 

at www.rcican.com. Renaissance Capital is an 

authorized and listed Financial Intermediary 

of the QIIP, and is a member of the Investment 

Industry Regulatory Organization of Canada 

(IIROC) and of the Canadian Investor Protection 

Fund (CIPF). 

For more information, please email us at 

info@rcican.com 

QIIP Criteria 

Minimum net worth: $CAD 1,6 million 

Investment: $CAD 220,000 financed 

investment or $CAD 800,000 five-year 

investment at 0% interest 

Management experience: two years 

within the last five years 

Family members authorised under 

application: Applicant, spouse, and 

accompanying dependent children under 

19 years old at the time of filing 

Benefits 

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Free Public Healthcare 

Top tier free public education 

Leading Universities 

Talented and Diverse Workforce 

Public social services and business 

programs 

Proximity to the US and Europe 

Access to Canadian citizenship: Visafree 

travel to over 170 countries 



ف 

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ي 

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ن 

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ف 

برنامج المهاجر المستثمر ي كيبيك 

ث أك‏ محافظة أوروبية ي كندا مفتوحة لرجال أ االعمال،‏ والمستثمرين المهاجرين.‏ 

مارك أندريه سيغان،‏ المحامي 

رس ش كة رينيسانس كابيتال.‏ 

تبدو أن هجرة أ العمال ي تطور مستمر،‏ مع برامج الناشئة،‏ تتطور ت وح‏ مع 

البعض ي يسون ي أنواع مختلفة من الجدل.‏ عدد البلدان ي ت ال‏ تقدم فرص 

مكلفة ‏-ومحفوفة بالمخاطر ي بعض أ الحيان ‏-للمستثمرين الذين يتطلعون 

للحصول عل جواز سفر ثان أو الإقامة الدائمة ي الخارج لم يعرفوا نموا 

ي كبا خالل السنوات الماضية.‏ 

عل أساس استثمار آمن ويمكن التنبؤ به تماما ب ي وسل‏ ، برنامج المهاجر 

هو واحد من نوعه ي كندا.‏ كما أنه واحد من (QIIP) المستثمر ي كيبيك 

برامج هجرة أ العمال أ ال ث ك‏ أسعارا معقول،‏ وذات إدارة جيدة أ وال ث ك‏ شعبية 

ي السوق.‏ حقيقة أنه أيضا يحدث من مجرد فتح الباب أمام واحد من 

القتصادات أ ال ث ك‏ استقرارا ي العالم الرائدة هو بالتأكيد عامل آخر وراء 

نجاحها.‏ 

صدد 

ف 

الهجرة هي لذلك ث أك‏ ي بكث‏ من مجرد تنقل.‏ أنها ث أك‏ من المال.‏ أنها ي 

فتح صفحة جديدة من حياتك،‏ لك ولعائلتك.‏ هذا هو السبب لذلك هي 

حاسمة لتحديد ب النامج الذي يمكن أن يضمن أنك سوف تصل اىل حيث 

تريد أن تذهب،‏ ومن شأنها أن تفعل ذلك مع الشفافية والرعاية.‏ ي هذا 

الصدد،‏ كيبيك تقدم هذا الوعد.‏ 

لمزيد من المعلومات،‏ يرجى مراسلتنا عل info@rcican.com 

طلباتهم 

 

 

وبالتاىلي فإنه ليس من المستغرب أن ي ن المتقدم‏ يصطفون بالفعل ت لفة 

التقديم المقبلة،‏ ي ت ال‏ أعلن عنها مؤخرا الفتح من 5 يناير ت ح‏ 30 يناير 

2015. تشغيل من قبل السلطات المحلية ي كيبيك ‏-كندا المقاطعة الناطقة 

بالفرنسية ‏-هذا ب النامج سوف يكون مفتوحا ل 1،750 من ي ن المتقدم‏ 

جميع أنحاء العالم،‏ ي ت وال‏ سيتم السماح ل يزيد عن 1،200 من ي ن الص‏ ، 

‏،وذلك لضمان تنوع ب أك‏ . كل أذن الوساطة المالية،‏ مثل رينيسانس كابيتال 

وسوف تحصل عل جزء من تلك الحصة العالمية لتخصيص وفقا لتقديرها.‏ 

مع إغالق برنامج المهاجر المستثمر الفيدراىلي ي شهر ب فاير ي ض الما‏ من قبل 

برنامج الهجرة الستثمارية الوحيد QIIP السلطات الكندية الفيدرالية،‏ ل تزال 

ي كندا والذي هو تماما قائم عل السندات،‏ مع استثمار مضمون من قبل 

وكالة الدولة ي ت وال‏ ل تتطلب خلق فرص العمل من قبل المستثمر المهاجر 

أو المشاركة الفعالة ي أ العمال التجارية الخاص.‏ 

يمكن CAD، بالنسبة لالستثمار بتمويل مخفض يبدأ من $ 220،000 

للمستثمرين المهاجرين الحصول عل الإقامة الدائمة الكندية وجميع 

المتيازات.‏ وهذا يشمل تعليم المستوى العاىلي وخدمات الرعاية الصحية،‏ 

والوصول إىل اقتصاد نابض بالحياة جنبا إىل جنب مع مصالح الوليات 

المتحدة وأوروبا من خالل اتفاقيات التجارة الحرة،‏ واحدة من القوى العاملة 

ال ث ك‏ ابتكارا عل هذا الكوكب.‏ تقييمه ي كل عام واحدة من أفضل الدول 

أ 

للعيش فيها،‏ تفتخر كندا أيضا بمعدل جريمة منخفض جدا،‏ والخدمات 

الجتماعية يمكن الوصول إليها عل نطاق واسع،‏ نوعية السكن والبيئة 

النظيفة ب ع‏ ال ي أ ض را‏ ي الكبة والجميلة.‏ 

 

ف 

كيبيك كونها الناطقة ي الغالب بالفرنسية،‏ وقد نحتت سلطات الهجرة ي 

 

ف 

المحافظة من استثناءات ي ن للمتقدم‏ الذين يثبتون مستوى فوق المتوسط ي 

اللغة الفرنسية.‏ ولهؤلء ي ن المرشح‏ ل تخضع أ لية حصة،‏ ويمكن تقديم 

ي أي وقت ت ح‏ 31 مارس 2015، وتستمتعوا أ بالولوية.‏ 

كيبيك:‏ ت مفق الطرق ي ن ب‏ أوروبا 

وأمريكا:‏ 

تعلم أو اتقان 

ف 

وبالنسبة أ لولئك الذين ل يتحدثون بالفرنسية أو يرغبون ي 

مهاراتهم اللغوية،‏ والمهاجرين لكيبيك مزيد من الستمتاع لدروس اللغة 

المدعومة كليا لمساعدتهم ي الندماج تماما لنمط الحياة ي كيبيك.‏ وهناك 

أسلوب حياة حيث اللغة والثقافة،‏ والمطبخ والقيم هي انعكاس ت للاث 

ي كيبيك،‏ منها ت مونيال ب ‏-أك‏ مدينة ي المحافظة ي وثا‏ ب أك‏ سوق 

ي كندا ‏-هو تمثيل الكمال.‏ عاصمة أمريكا الشمالية مشغولة،‏ نابضة بالحياة 

ومتعددة الثقافات كما تقدم المقاهي،‏ والهندسة المعمارية الستعمارية 

والحياة الثقافية ي ت ال‏ هي ث أك‏ ي بكث‏ تذكرنا بجذورها الفرنسية أ وال وروبية.‏ 

المزدوج 

 

كيبيك هي أيضا مركزا مثاليا أ لالعمال:‏ متعدد الثقافات واللغات،‏ مع القرب 

ي الجغرا‏ إىل أ السواق الرئيسية ي العالم ب ي الغر‏ ، بما ي ذلك نيويورك 

وتورنتو وبوسطن وشيكاغو )1-3 ساعات(،‏ وكذلك ي لندن وباريس ‏)خمسة 

‏(إىل ست ساعات.‏ 

مزايا عرص النهضة:‏ 

ي ء ي مجال أ العمال التجارية،‏ هناك ث أك‏ من 

ولكن،‏ كما هو الحال مع أي سش 

ذلك ي بكث‏ ما وراء أ ال رقام.‏ جودة الخدمة،‏ وفهم ما يطلبه المر لتحصل 

عل ما تحتاج لها أهمية قصوى.‏ ي و‏ رينيسانس كابيتال ‏-واحدة من أقدم 

ثقة ‏-نحن نعلم أن اختياره QIIP أ وال ث ك‏ الوسطاء ي ن المالي‏ المح به 

ب لنامج الهجرة ليست مجرد عمل كالمعتاد،‏ فهو يؤثر ي حياة الناس 

وتطلعاتهم،‏ وأهم.‏ 

هذه 

ف 

مع فريق قوي،‏ ورينيسانس كابيتال فرضت نفسها باعتبارها رائدة ي 

ي اتصال مع أسواقها المتاحة لالإجابة عل الحتياجات الخاصة 

بك،‏ بغض النظر عن مكان وجودك.‏ لدينا مكاتب دائمة ي العديد من 

المدن أ ال ث ك‏ حيوية ي العالم والسفر عمل ي ن الموظف‏ بال كلل لضمان دورنا 

كمصدر متخصص وموثوق للمعلومات والتوجيه والدعم الالزم 

لمساعدتكم خالل هذه الرحلة الهامة والحياة ي المتغة.‏ 

ي معاي‏QIIP‏:‏ 

n مليون $ CAD 1،6 ‏:الحد أ ال ن د‏ من القيمة الصافية 

CAD n بتمويل الستثمار أو $ 800،000 CAD الستثمار:‏ $ 220،000 

n الستثمار لمدة خمس سنوات بفائدة 0٪ 

ب ة الإدارية:‏ ي ن عام‏ ي غضون السنوات الخمس الماضية 

n أفراد أ ال ‏ة المحون تحت الطلب:‏ مقدم الطلب،‏ والزوج،‏ ويرافق 

n أ الطفال تحت سن 19 سنة ف ي وقت الإيداع 

n الخ‏ 


n الرعاية الصحية العامة 

ن المجا‏ 

n الطبقة العليا للتعليم العام ي 

n الجامعات الرائدة 

n القوى العاملة الموهوبة والمتنوعة 

n الخدمات الجتماعية وبرامج قطاع أ العمال العام 

n قربها من الوليات المتحدة وأوروبا 

n الحصول عل الجنسية الكندية:‏ بدون ي تأشة سفر إىل ث أك‏ من 170 

دولة 

الصناعة،‏ 





Relocating to the Isle of Man: 

A Short Guide 

By Simon Pickering, Head of Retail Financial Services, 

Department of Economic Development, Isle of Man Government. 

View overlooking the Isle of Man’s capital, Douglas 

The Isle of Man is an international 

business centre at the heart of the British 

Isles. It is a British Crown Dependency, 

so is neither part of the United Kingdom (UK) 

or the European Union (EU). It has its own 

autonomous Government and legal system. 

However, unlike other Crown Dependencies it 

is in a customs union with the UK and therefore 

manufactured goods can be exported into the 

EU through the Island. 

It is perhaps best known in business circles for 

its highly successful financial and professional 

services sectors, which include wealth 

management, banking, fund management, 

captive and life insurance and corporate and 

trust services. These offer a range of innovative 

products and provide a gateway to other 

international finance centres, most significantly 

the City of London. 

The success of these sectors means the Isle 

of Man is host to a large number of specialist 

accountants, lawyers, banks, fiduciary service 

providers as well as having its own worldrenowned 

ship/superyacht and aircraft registers 

(exclusively for private and corporate jets). 

The Island’s strong economic performance – it 

has enjoyed 30 years of unbroken economic 

growth - has been underpinned by its 

increasingly diverse nature with significant 

activity in areas such as maritime, business 

aviation services and high-tech manufacturing. 

The Isle of Man Government is committed to 

political stability, tax transparency and effective 

regulation and also recognises its international 

obligations. This has led international bodies 

such as the OECD and the IMF to recognise the 

Isle of Man as a well-regulated financial centre. 

Many high value entrepreneurs, a good 

proportion from overseas, have relocated to the 

Isle of Man attracted by our business-friendly 

environment featuring a competitive tax regime, 

low personal tax rates and an approachable 

Government with easy accessibility to key 

decision-makers. 

The Isle of Man Government is now gearing 

up to attract even more of these successful 

individuals and is proactively seeking what are 

termed Tier 1 entrepreneur and/or Investor 

immigrants to consider the Isle of Man as their 

location of choice. 

In the Isle of Man, we utilise the UK Home 

Office’s online system and mirror the UK rules 

to a very large degree, with the same Points 

based system. 

Also we are part of the Common Travel Area, so 

there are no border controls between the Isle 

of Man and the UK. Our immigration office has 

excellent turnaround times for T1 applications of 

around 10-14 days. 

We have recently received a number of Tier 

1 visa applications from Chinese and Russian 

The harbour at Douglas 

nationals, as the initial visa is fully transferable 

to the Isle of Man. The initial applications have 

been on the Entrepreneur route, and are the 

offspring of wealthy Chinese families. 

The entrepreneur applicants must have 

access to £200,000 to set-up, takeover or run 

a business in the Isle of Man. The applicant can 

have a partner to provide such funds or can 

borrow. They must also prove that they can 

support themselves and prove a minimum of 

£3500 in savings. 

Once the initial visa of 3 years and 4 months 

has expired it can be extended if the applicant 

has invested £200,000 or more in Isle of Man 

businesses and is a registered director (or selfemployed) 

and has created a minimum of 2 new 

full time jobs that have existed for more than 12 

months. There is no acceleration option with 

this route. 



There are over 600 miles of roads in the 

Isle of Man 

The 12th hole on Rowany Golf Course 

My team will assist the applicants with setting 

up their businesses, which we hope will not only 

provide employment here but allow investment 

back into the UK. 

The second rafts of recent applications are 

following the T1 investor route, and include 

wealthy Russian families. The applicants 

must possess £1M to invest in the IOM, the 

investment to be made within 90 days of first 

arriving here. Again the visa can be extended 

for a further 2 years if the applicant still has £1M 

under his control. This route can be accelerated 

by investing £5M instead of £1M. 

This has the effect of reducing the period before 

you can apply for indefinite leave to remain to 

3 years, or £10M can be invested to reduce the 

time period further to 2 years. Both applicant 

routes must also pass the English language test. 

Additionally, Tier 1 Investors are permitted to be 

absent from the Isle of Man for up to 180 days 

in any 12 calendar months without jeopardising 

their application for indefinite leave to remain. 

So why are these 

applicants considering 

the Isle of Man? 

The Island scores highly on ‘lifestyle’ factors. 

With one of the lowest crime rates of any area 

in Britain, Isle of Man companies and residents 

spend much less on security, insurance and 

down time from break-ins, than if they were 

based in a major UK city. 

There’s also plenty of things to do in the Isle of 

Man with excellent leisure facilities, watersports 

and a wide range of restaurants within easy 

reach, wherever in its 221 square miles you are 

based. And of course the Isle of Man is also 

home to the world famous TT Races which 

attract thousands of motorcycling fans from all 

over the world every June. 

Yet despite the attractive island lifestyle Isle of 

Man can offer, the major cities of the UK and 

The Private Jet Company’s terminal for private and corporate jets in the Isle of Man 

Ireland are only a short distance away with regular 

and frequent flights to Liverpool (30 mins), 

Manchester (45 mins) and London (60 mins). 

A custom-built facility for private and corporate 

jets is also available at the Isle of Man Airport. 

Consider also the space we can offer, (only 

331 population density per square mile), our 

welcoming and entrepreneurial government, 

and low personal tax rates. 

With a higher tax rate of 20%, and a maximum 

income tax liability capped at £120,000 per 

annum, this is an attractive proposition. Couple 

this with 0% Corporation tax, no CGT and no 

IHT, and the whole package starts to add up. 

Another reason is our close proximity and close 

ties to the UK and the Isle of Man Government 

enjoys close links to the UK Government. 

We see the Isle of Man as a “near-shore” business 

partner, not an “offshore” business competitor. 

Our existing wealth held in trusts and companies 

can provide FDI to the UK to take advantage of 

business and property deals. 

So, if you or your clients feel that you may be 

interested in our Island life, please do not 

hesitate to get in touch. 

For further details visit: 

www.whereyoucan.com or contact me 

directly at simon.pickering@gov.im 

or telephone +44 (0)1624 686063 




The Isle of Man - A Leading Offshore 

Financial Centre for Tax Efficient Asset 

and Investment Holding 

For those taking up residence or 

citizenship in a new country it may be 

beneficial to move certain assets offshore 

before making the move. If going to the UK, for 

example, the tax treatment of “non-domiciliaries” 

means that such assets remain legitimately 

outside of the UK income tax, capital gains and 

inheritance tax regimes. 

For those not moving elsewhere, but wishing 

to make an investment in, or trade with, an 

overseas country, it is also often beneficial to 

do so via an offshore jurisdiction rather than 

investing directly. 

The Isle of Man is a self-governing dependent 

territory of the British Crown which is not part 

of the UK and not in the European Union (EU). 

It is an ideal offshore location for holding assets 

generally as well as for investing into, or trading 

with, the UK or EU countries. 

Key Points 

n Very favourable tax regime: a zero per cent 

tax rate for companies and no capital gains 

tax, inheritance tax, insurance premium tax, 

stamp duty (including on share transfers) or 

SDLT 

n 

No withholding tax on dividends or interest 

payments 

n Well-regulated stable legal and political 

environment 

n Similarity of underlying principles of Manx 

Law to English Law 

n Strong Standard and Poor’s and Moody’s 

credit ratings 

n 

n 

OECD “white list” jurisdiction 

European time zone 

n A leading jurisdiction for the registration of 

ships, yachts and aircraft 

n Double tax agreements include the UK, 

Bahrain and Qatar 

n 

Although not in the EU it is a member of EU 

VAT system. VAT registration and processing 

of returns is done locally and much faster 

than in the UK. 

n Annual cap on personal income tax for 

residents. No restrictions on new residents 

or property ownership 

Some Examples: 

Companies, Trusts, Partnerships 

and Foundations 

The similarity of the underlying principles 

of Manx law (including its new flexible 

and modern company law) to English law 

is a considerable advantage in allowing 

international advisors to be comfortable 

dealing with Isle of Man companies, trusts, 

partnerships and foundations. It has also 

been instrumental in making the Isle of Man 

the leading listings jurisdiction of origin for 

international companies admitted to trading 

on the London Stock Exchange Alternative 

Investment Market (AIM), on the basis of both 

the number of companies incorporated and 

their combined market capitalisation. 

UK Real Estate Investment 

and Trading 

The use of offshore real estate investment 

vehicles for holding commercial property in 

London and other European cities can offer 

significant advantages to investors from Arab 

countries. Fiscal benefits, including stamp 

duty savings, tax deductibility of interest and 

operating expenses and VAT efficiencies, 

make the Isle of Man an ideal environment for 

real estate investment and it is increasingly 

becoming the jurisdiction of choice in relation to 

a wide variety of property investment structures. 

Greystone can advise on the structuring 

options available from straightforward property 

holding vehicles for single properties to 

complex investment funds set up for a range of 

international investors. We can also take care of 

the establishment and ongoing administration 

of real estate investment and development 

structures. 

Aircraft Registration 

The Isle of Man Aircraft Registry has grown 

substantially since its launch in May 2007 and 

now has over 700 registered aircraft, making it the 

fastest growing offshore register. A recent survey 

of leading global aviation lawyers, conducted 

by aviation publication ‘Corporate Jet Investor’, 

voted the Isle of Man Aircraft Registry the best 

aircraft registry in the world. 



Greystone can organise the registration process, 

arrange for import into the EU, if necessary, and 

provide corporate holding structures as required. 

Ship and Yacht Registration 

The Island has been known for many years as a 

respected jurisdiction for ship management and 

since the adoption of the Large Yacht Code in 

2003, the Isle of Man has become a centre for 

excellence for the registration, management 

and administration of superyachts. 

The Isle of Man Ship Registry provides a quality 

service to ship and yacht owners offering 

significant cost savings over competitors. It is 

known for its flexibility and bespoke solutions. 

Benefits of registration include the right to 

fly the “Red Ensign” and access the support of 

British consular services world-wide and British 

Royal Navy protection as well as support for 

ships treated unfairly by Port State Control. 

Greystone LLC, Chartered 

Accountants 

Greystone LLC specialises in offshore tax 

planning, including land and property 

transactions, as well as areas such as yacht and 

aircraft ownership, inheritance tax planning and 

wealth management. Working directly with 

clients, or through their advisors, we can provide 

a comprehensive and cost effective service. 

The firm is an independent member of Geneva 

Group International (GGI), one of the top six 

international accounting, consulting and law 

firm alliances and through which we are able to 

deliver the best possible advice on a global scale. 

For more information on GGI visit www.ggi.com. 

Greystone Trust Company Limited 

Greystone Trust Company Limited is licensed by 

the Isle of Man Financial Supervision Commission 

to provide trust and corporate services. It can 

offer full management, administrative and 

accounting solutions to structures established 

in the Isle of Man, the BVI and elsewhere. 

Contacts 

Guy Wiltcher 

Email: guy.wiltcher@greystone.im 

Tel: ++44 (0)1624 620711 

Managing Partner of 

Greystone Chartered 

Accountants LLC 

Guy is a Chartered Tax Advisor and Chartered 

Accountant. He is past chair of the Isle of Man 

Branch of the Chartered Institute of Taxation 

and provides advice on local and international 

taxation issues for companies and individuals, 

having a particular interest in UK property 

investment and development matters. 

Mike Riddell 

Email: mike.riddell@greystone.im 

Tel: ++44 (0)1624 620711 

Managing Director 

of Greystone Trust 

Company Limited 

Mike is a Canadian Chartered Accountant. Before 

moving to the Isle of Man in 2001 he worked in 

corporate and personal trust and offshore funds 

in the Cayman Islands. He had previously been 

financial controller of a Canadian regional bank 

and practiced as an accountant in the Cayman 

Islands, Saudi Arabia and Canada. 



Mauritius at a glance 

Mauritius – air travel time/flights: 

Country Hours Weekly Flight 

Madagascar 1.50 4 

South Africa 4.00 14 

Dubai 6.00 14 (inc A380) 

India 6.00 7 

Singapore/Malaysia 6.20 2 

Australia (Perth) 7.00 3 

Europe 12.0 18 

History 

The island was first discovered by Arabs who 

were sailing the Indian Ocean during the 

medieval period and was named Dina Arabi. 

Thereafter, the Portuguese occupied the island 

and named it Cirne (1507-1513). 

Dutch occupation from 1638 to 1710 and the 

island was called Moritz after the Dutch prince, 

Moritz von Nassau. 

Under French occupation from 1710 till 1810 

and was called Isle de France, literally meaning 

Island of France. 

English occupation between 1810 to 1968, and 

the name was anglicised to Mauritius from the 

Dutch Moritz. 

Independent Republic within the British 

Commonwealth since 1968. 

Geography, Population and language 

Situated in the South-West of the Indian Ocean 

near Madagascar. 

Area: 2,040 km 2 

Population: 1.3 Million 

n 70% population from Indian sub-continent 

n 30% African and others 

Languages: English (national language) & French 

Government 

n Westminister style Democracy & 

Parliamentary system 

n 

General election every 5 years 

Legal System 

n 

n 

n 

Dual legal system 

Co-existence of Civil Law (Code Napoleon) 

and English Common Law 

Highest Court of Appeal – Privy Council in 

England 

Economy 

From a mono-agricultural economy, Mauritius 

has successfully evolved into a diversified 

economy over past 30 years. The main economic 

sectors are as below: 

n 

n 

n 

n 

n 

n 

n 

n 

Agriculture & Agro-industry 

Manufacturing industry 

Tourism industry 

Financial services industry 

Information technology 

Seafood industry 

Healthcare 

Education & knowledge sector 

Financial services 

sector in Mauritius 

The financial services sector is a vibrant and 

emerging sector of the Mauritian economy, 

contributing to 10.1% of GDP. It is constituted 

of the global business services, banks and 

insurance and Re-insurance industry. Most of 

the major international banks (HSBC, Barclays, 

Standard Bank, Deutsche Bank & Habib Bank) 

are present in Mauritius. 

Nearly 30,000 entities are registered in the 

Global Business sector of Mauritius under the 

regulatory supervision of the Financial Services 

Commission. 



Why Mauritius 

Financial services offerings 

The services /products available in the financial 

services are as follows: 

n Corporate structure and tax advisory 

services 

n 

n 

n 

n 

n 

n 

Fund Administration – Private Equity/ 

Collective Investments 

Trust & Foundation 

International banking services 

Insurance & Re-Insurance 

Captive Insurance Management 

Leasing services 

Special Purpose Vehicles 

n 

n 

n 

n 

n 

n 

Global Business Companies 

Global Funds 

Partnership 

Limited Liability Company 

Foundation 

Trusts 

Islamic Banking and Investments 

In a view of enhancing its solid reputation 

of a world class International Financial Hub, 

Mauritius has banks and financial institutions 

which provide world class Sharia-compliant 

products to the global clients. 

Contacts 

Members of the engagement team: 

Jaye C Jingree 

Managing Director 

jaye.jingree @krossborder.mu 

Sharmil Shah 

Head of Corporate Services 

sharmil.shah@krossborder.mu 

No capital gains tax 

Net Effective Tax Rate of up to 3% (max) 

No withholding tax on any payment by 

the Company 

Ranked 3rd in the African Countries Of 

the Future (FT Group) 

No inheritance, wealth or gift tax 

Ranked 20th out of 189 countries on 

Global list and 1st out of 47 countries on 

Africa list for World Bank Doing Business 

Index 2014 

A tried and tested jurisdiction for India 

& Africa. Main provider of Foreign Direct 

Investment into India 

No exchange control and No thin 

capitalisation rules 

Ranked 8th out of 178 countries on 

Global list and 1st out of 46 countries on 

the sub-Saharan list for The 2014 Index 

of Economic Freedom 

No stamp duties and no registration 

duties 

Mauritius has concluded 36 Investment 

Promotion and Protection Agreements 

(IPPAs), of which 18 are in force 

A network of over 35 Double Taxation 

Avoidance Agreement that provides 

tax efficiency which most traditional 

offshore centers generally cannot offer 

On OECD White List jurisdiction. Never 

been on the Financial Action Task Force 

(FATF) list of Un-cooperative jurisdictions 

Mow Taher 

Director – New Business & Compliance 

mow.taher@krossborder.mu 

Nasreen Adam Essack 

Manager – Corporate services 

nasreen.adamessack@krossborder.mu 

Background 

n 

n 

n 

n 

Established in 1993 and originally part 

of KPMG Mauritius until its spin-off from 

the network in 2003 to comply with 

new regulations at that time to become 

Kross Border. 

Have representatives in Africa, BVI, 

Guernsey, Hong Kong, Liechtenstein 

and Seychelles to offer global access to 

its clients. 

Kross Border retains the services of 

Islamic Scholars for consultancy services 

in Sharia compliance. 

Affiliated member of the Russell Bedford 

International Network and the Swiss 

African Business Circle. 

Kross Border Service offering for 

Middle East Clients 

In Mauritius 

1. Set up companies/investment vehicles 

for luxury villas/investment properties 

(Resort Centers) 

2. Provide directorship 

3. Provide registered office, company 

secretary 

4. Provide all legal and statutory and 

compliance services 

5. Monitoring bank accounts 

6. Service management of properties 

7. Arrange for permanent residence 

8. Arrange for private jet landings, 

airport transfers, accommodation 

arrangements, butler services etc. 

9. Visa for guests 

Outward Investment from Mauritius 

1. Set up companies in Europe, Seychelles, 

foundations in Liechtenstein 

2. Accompany clients to Europe – act 

as translator for property acquisition, 

finalisation of vehicle deeds 

3. Monitoring annual statutory and legal 

compliances 

4. Monitoring banking operations 

5. Monitoring property management 

6. Liaising with tour operator for clients 

visits to Europe 

Georges Magon 

Associate Manager – Marketing 

georges.magon@krossborder.mu 

Office: 

Kross Border 

St Louis Business Centre 

Cnr Desroches & St. Louis Streets 

Port Louis, Mauritius 

Tel : (230) 203 1100 

Fax : (230) 203 1150 

Email: contact@krossborder.mu 

Website: www.krossborder.com 

Inwards Business Opportunities 

1. Integrated Resort Schemes – Luxury 

villas: for private use/rental pool 

2. Luxury Hotels – for tourists 

3. Real Estate Scheme – Residence for 

retirement 

4. Hotel Invest Scheme – Villas/rooms in 

hotels for private use/rental pool 



About Latvia 

Geography: 

Latvia is to be found on the east coast of the Baltic Sea at the crossroads 

of northern and eastern Europe. Latvia, a parliamentary republic is 

bordered by Estonia to the north, Russia and Belarus to the east, Lithuania 

to the south and has a maritime border with Sweden to the west. 

Residency: 

n 

n 

n 

n 

n 

Birth certificate of the child, if residence permit is created also for 

investor’s under aged children 

Payment document that confirms payment of the state fee 

A health insurance policy 

Health certificate issued by a Latvian health care institution stating 

you do not suffer from tuberculosis 

Proof of no criminal convictions 

On 1st of July 2010 amendments in law about immigration went into 

force. These amendments allow foreigners to receive a residence 

permit in Latvia for purchasing a real estate in Latvia, investing in 

subordinated capital - deposit in one of Latvian banks or investing in 

business, company’s capital owned by resident of Latvia. In these cases 

investor has a chance to be eligible for receiving a residence permit in 

Latvia for 5 years with re-registration. Residence permit in Latvia provides 

an opportunity to freely travel in Schengen area. Residence permit in 

Latvia provides rights to work in Latvia. As of 1st September 2014, 

amendments to the Immigration Law will impose new requirements 

on transactions that entitle foreigners to apply for temporary residence 

permits in Latvia 

Requirements: 

Option One: Purchasing a real estate in Latvia of 250,000 EUR 

Option Two: Establishing a limited liability company and investing 35 

000 EUR into its equity capital 

Option Three: Deposit 280 000 EUR in one of Latvian banks for 5 years 

Documents: 

n 

n 

n 

n 

Document confirming sufficient residence assets in Latvia 

You do not have any real estate tax debts, if you own the real estate 

for more than one year 

Document confirming place of residence in Latvia 

Marriage certificate if the residence permit is created applicants 

husband or wife 

Benefits: 

n 

n 

n 

n 

n 

n 

n 

n 

n 

n 

To freely travel and be in Schengen area, Switzerland, Norway and 

Iceland up to ninety days in a period of a 6 months 

Easy and quick procedure of receiving residence permit 

Controlled and stable banking system 

2/5 of Latvian business environment, service is in Russian and English 

Quick and easy registering of companies 

No restrictions in company management 

Opportunity to be eligible for Latvian citizenship after 5 years 

Opportunity to receive a regular European Union residence permit 

after 5 years 

Receive social safeguards of citizens (birth grants, pension in Latvia, 

social free medicine etc.) 

Residence permit in Latvia can be also received by investor’s family 

- wife/husband and under aged children; investor’s guardian and 

persons dependent on investor. 


Any investor interested in applying for a residency visa, can submit the 

application, either personally or via a representative. 

Source 

The Office of Citizenship and Migration Affairs Latvia 

www.pmlp.gov.lv/en/ 



Latvia, Riga, 

center, flat, 

new build., 4 r., 

126m 2 , 

270 000 EUR 

(2142.9 EUR/m2) 

For more information - 

Latvia, Riga, 

center, flat, 

pre-war b., 

3r., 86m 2 , 

250 000 EUR 

(2907 EUR/m 2 ) 

Latvia, Jurmala, , 

flat, new build., 

2 r., 88m 2 , 

275 000 EUR 

(3125 EUR/m 2 ) 

T. +371 29118879 (WhatsApp; Viber also) 

T. +371 26382287 (WhatsApp; Viber also) 

E. info@domenika.lv 

W. www.domenika.lv 

• Real estate in Latvia for residence permit; 

• Legal services; 

• Immigration services; 

• Investment projects; 

• Business invitations for visas; 

• Investment adviser. 

If you are not a citizen of a Member State of the European Union, 

we offer to arrange your visa, invitations, and temporary residence 

permits enabling you to travel freely throughout the Member States 

of the European Union (in the Schengen area – visa free). 

The Government amendments to the Immigration Act requires an increase 

of real estate investment providing for an increase to EUR 250,000 worth 

of real estate and not less than EUR 80,000 of cadastral value by the 

acquisition of which foreign nationals can obtain a residence permit in 

Latvia. Changes therefore have come in effect from September 1, 2014. 

• Opportunity to receive a loan to purchase a real estate in Latvia, and 

to obtain a residence permit. (credit of 70 %, about 4 % per year). 

• After 10 years, the applicant has the right to apply for citizenship of 

the Republic of Latvia, which gives the right to travel and reside in 

any part of the Schengen Agreement region, the European Union. 

• Requests for registration of the residence permit in other Schengen 

countries are accepted. 


ف 

ف 

ف 

ف 

ن 

ف 

ف 

ف 

ق 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ف 

ن 

ي 

ض 

ف 

ف 

ف 

ف 

التفيا 


 

ف 

n السفر بحرية والتواجد داخل منطقة شنغن،‏ سويا ن والويج وأيسلندا تصل إىل ي ن تسع‏ يوما ي 

ت الفة بقيمة 6 أشهر 

n إجراءات سهلة ويعة من تلقي تيح الإقامة 

م‏ مستقر 

ف 

n نظام ي 

n بيئة أ العمال ي لتفيا،‏ الخدمة باللغة الروسية ي ز والإنجلية 

n التسجيل اليع والسهل بقيمة ش الكات 

n عدم وجود قيود ي إدارة ش الكة 

n فرصة لتكون مؤهال للحصول عل الجنسية الالتفية بعد 5 سنوات 

n فرصة الحصول عل تيح إقامة منتظم ي التحاد أ ال ب ي ورو‏ بعد 5 سنوات 

لتفيا والجتماعي 

ف 

n تلقي الضمانات الجتماعية ي ن للمواطن‏ ‏)منح الولدة والمعاشات التقاعدية ي 

‏(الطب مجانا الخ 

لتفيا يمكن الحصول أيضا من قبل أ ال ‏ة ‏-الزوجة / الزوج أ والطفال الصغار 

ف 

n ‏.تيح الإقامة ي 

ولالشخاص الذين يعتمدون عل المستثمر 

أ 


أي مستثمر يرغب ي التقدم بطلب للحصول عل ي تأشة الإقامة،‏ يمكن تقديم الطلب،‏ إما شخصيا أو عن طريق 

ممثل قانو‏ 

‏:المصدر:‏ 

التفيا 

ف 

مكتب المواطنة والهجرة ي 

www.pmlp.gov.lv/en/ 


ش 

 

يالتفيا تقع عل الساحل ال‏ ي لبحر البلطيق ي ت مفق الطرق ي ن ب‏ شمال ش وق أوروبا.‏ لتفيا،‏ وتحدها جمهورية 

برلمانية من استونيا اىل الشمال وبيالروسيا وروسيا إىل ش الق،‏ ليتوانيا إىل الجنوب،‏ ولها حدود بحرية مع السويد 

ي الغرب.‏ 

االإ قامة:‏ 

 

 

ي أ الول من يوليو عام 2010 توجهت التعديالت ي القانون حول الهجرة ي ز ح‏ النفاذ.‏ هذه التعديالت تسمح 

 

ف 

لالجانب الحصول عل تيح إقامة ي لتفيا ش لاء العقارات ي لتفيا،‏ الستثمار ي رأس المال الثانوي ‏-الإيداع ي 

أ 

أحد البنوك ي لتفيا أو الستثمار ي أ العمال التجارية،‏ ورأس المال ش لكة مملوكة من قبل ي ن المقيم‏ ي لتفيا.‏ 

ي هذه الحالت المستثمر لديه فرصة ليكون مؤهال لحصوله عل رخصة الإقامة ي لتفيا لمدة 5 سنوات مع إعادة 

التسجيل.‏ تيح إقامة ي لتفيا يوفر فرصة للسفر بحرية ي منطقة شنغن.‏ تيح الإقامة ي لتفيا يوفر 

ي العمل ي لتفيا.‏ 

اعتبارا من 1 ب سبتم‏ 2014، والتعديالت ي ت ال‏ أدخلت عل قانون الهجرة تفرض متطلبات جديدة عل المعامالت . 

ي ت ال‏ تخول أ الجانب للتقدم بطلب للحصول عل تصاريح الإقامة المؤقتة ي لتفيا 

الحق 


لتفيا بقيمة 250،000 يورو 

ف 

الخيار أ الول:‏ ش ‏اء العقارات ي 

رأس مالها 

ف 

الخيار الثا‏ ش كه ذات مسؤولية محدودة واستثمار 35 000 يورو ي 

الخيار الثالث:‏ إيداع 280 000 يورو ي أحد بنوك لتفيا لمدة 5 سنوات 

ي : تأسيس 

المستندات:‏ 

n 

لتفيا 

ف 

n وثيقة تؤكد أصول إقامة كافية ي 

n ليس لديك أي ديون ض للائب العقارية،‏ إذا كنت تملك العقارات أ ل ث ك‏ من سنة واحدة 

لتفيا 

ف 

n وثيقة تثبت مكان السكن ي 

n شهادة الزواج إذا تم إنشاء تيح الإقامة ي ن للمتقدم‏ زوج أو زوجة 

شهادة ميالد للطفل،‏ إذا تم إنشاء رخصة الإقامة أيضا عليها ال أ طفال الصغار 

ي تؤكد دفع رسوم الدولة 

n وثيقة الدفع ال‏ ت 

n سياسة ي ن التأم‏ الصحي 

ن تعا‏ من مرض السل 

n شهادة صحية صادرة عن مؤسسة الرعاية الصحية لتفيا ذكرت أنك ل ي 

n دليل عل عدم وجود أي إدانات جنائية 



FREEHOLD OWNERSHIP WITH 

NO RESTRICTIONS 

Swiss Federal law prevents foreigners from 

acquiring residential property in Switzerland 

without a permit. The December 21, 2007 

decision by the Swiss Federal Council granted 

The Chedi Residences Andermatt an exemption 

from the terms of the Lex Koller Act, is giving 

international buyers with the rare opportunity 

to buy residential property in Switzerland with 

no restrictions. Accordingly, foreign and Swiss 

buyers are now granted identical, unrestricted 

rights and obligations to buy residential property 

units within The Chedi Andermatt project. 

SWISS REAL ESTATE MARKET 

Due to Switzerland´s political and economic 

stability, the country´s real estate market is one 

the most stable in the world. The high quality 

of life, ability to innovate, and the stable legal 

framework make Switzerland an attractive 

location. Access to a skilled workforce is a decisive 

advantage to business. The Swiss economy is 

stable, characterized by low unemployment. 

Swiss real estate prices have been shown 

a positive trend for several years. This 

development is based on foreign immigration 

figures, predominantly skilled workers 

from neighbouring countries such as Italy, 

Germany and former Yugoslavia. Switzerland´s 

attractiveness leads experts to anticipate 

continued high population growth that will 

impact positively on the Swiss real estate sector. 

Furthermore, as a tangible asset, real estate is 

an excellent protection for investors against a 

rise in inflation. 

INVESTING IN SWISS FRANCS 

Despite the debt crisis and the uncertainty in 

Europe´s economic and financial situation, the 

Swiss franc is seen as a strong currency since 

Switzerland is regarded as a stable financial 

centre with an intact political environment. 

Whilst inflation in Europe is rising, continued 

low inflation is expected in Switzerland. 

The strength of the Swiss franc allows Swiss 

government bonds to be issued at very low 

interest rates and mortgage financing is also 

possible at favourable rates. 

FINANCING 

Arrangements have been made with leading 

Swiss banks to provide financing to qualified 

buyers at attractive interest rates. The typical 

loan-to-value (LTV) rate is 50%-60% of the 

purchase price, although the actual LTV is 

determined at the bank´s discretion. 

SECOND HOME INITIATIVE 

The „second home initiative“ was adopted by 

the Swiss electorate with the provision that 

holiday homes may not represent more than 

20% of total residences in any single commune. 

If the current proportion in a community 

already exceeds this figure, building permits will 

not be granted for second homes. The Chedi 

Residences Andermatt is excluded from this 

scope of the second home initiative. Hence, 

apartments in The Chedi Andermatt represent 

one of the last possible opportunities to acquire 

a holiday apartment. 

INVESTING THE CHEDI 

RESIDENCES ANDERMATT 

Swiss residential real estate has appreciated on 

a very steady basis since 2002, attesting to the 

safe nature of Swiss residential property. The 

case for investing in Andermatt is promising as 

pricing are expected to reach the prices of other 

exclusive destinations in Switzerland such as St. 

Moritz, Gstaad, Zermatt and Verbier. In addition, 

the exemption to Lex Koller and the second 

home initiative are both important factors that 

will contribute to value creation over time. We 

expect units to generate2% net yield before 

taxes and expect a yearly capital appreciation of 

3% to 5% in the next seven toten years once 

the Andermatt Swiss Alps project has reached 

its full potential. 



TAXATION 

The buyer holding the unit directly will be subject 

to Andermatt income tax on the rental income 

of the unit (rental income less maintenance 

cost, management fees and debt interest). If a 

unit is not part of the rental program offered 

by the hotel operator, the so-called imputed 

rental value (estimated at 2.5% of the purchase 

price) serves as the basis for the income tax. If a 

unit taks part in the rental program, the income 

from the rental and the value of personal use by 

the owner for income tax calculation are used 

as basis. The income tax rate, depending on the 

individual tax situation of the buyer, is currently 

approximately 27%. Annual net wealth tax 

residence permit. Non-EU citizens, aged 55 

or more, are eligible to obtain a residence 

permit (“pensioner permit”) if the fulfill certain 

criteria such as close relations to Switzerland, 

make Switzerland their main residence, not 

gainfully employed in Switzerland or abroad 

and have necessary financial means. Another 

way to obtain a residence permit is to open 

a business in Switzerland. Applications for 

work and residence permits for self-employed 

non-EU nationals are assessed on the basis of 

whether the relevant economic sector is already 

oversupplied and whether the new business will 

create jobs for Swiss citizens. Such applications 

need to be discussed beforehand with the 

cantonal authorities. 

utility charges. It also includes the access to the 

public hotel facilities in the extent provided to 

hotel guests, but excludes the consumption of 

food and beverage, goods or service. 

TRANSFER OF TITLE 

An official Swiss notary of the district will act 

on behalf of both the buyer and the seller. 

The notary will draw up the deed of sale and 

all documents required for the transfer of the 

legal ownership and he has a duty to protect 

the interest of both parties. By signing a power 

of attorney, the buyers entrusts the appointed 

notary´s office with the duty of insuring that all 

legal formalities are respected, particularly the 

on the unit, after deduction of debt, will be 

levied in Andermatt. The tax rate is currently 

approximately 0.2%. In addition an annual 

tourist tax of CHF 14 per square meter net living 

space will be levied annually, unless the buyer 

rents out the unit on a permanent basis to The 

Chedi Andermatt hotel and only for short-term 

uses of the unit. 

The capital gain (difference between sales price 

and purchase price) will be subject to the Swiss 

real estate capital gains tax of approximately 

11% to 31% depending on the size of the gain 

and the holding period of the investment. The 

longer the real estate has been held, the lower 

the tax rate will be. 

VISA 

Depending on the nationality of the visitor, 

a Schengen visa may be required to enter 

Switzerland. Schengen visa normally are valid 

for stays up to 90 days over a 180-days period. 

Am multiple-entry visa can also be obtained 

and allows for multiple stays in one or more 

Schengen countries, as long as the total length 

of stay does not exceed 90 days in a given 180- 

days period from the date of the first entry. The 

stay may either be continuous or spread over 

several visits within the validity periods of the 

visa, but not more than what was authorized 

by the visa. A multiple-entry visa may be valid 

for one (1) year. 

registration of the deed in the Land Register 

and releasing the acquired property from 

any previous mortgage. The purchase of an 

apartment becomes valid once the owner is 

registered in the Land Registry. 

RENTAL PROGRAM 

The buyer will be able to participate in the rental 

program proposed by The Chedi Andermatt hotel. 

The residence owner will receive 50% of the gross 

rental revenue of his/her residence. The following 

costs will be deducted from the residence owner´s 

share: administration fee of 12% of gross rental 

revenue, and a marketing and reservation fee of 

4% of the gross rental revenue. 

HOME OWNER ASSOCIATION 

The Chedi Residences Andermatt units are 

organised as a „Home Owners Association“ and 

each owner has a share of the whole building 

and an exclusive right to use their own property. 

All the property owners are bound together in 

the home owners association, which sets out 

the rules of the “house/resort”. The owners 

have complete control over the building, but 

at the annual meeting they will appoint and 

Administrator, who will deal with the day-to-day 

running of the property. The annual meeting will 

also set the budget for the forthcoming year, 

vote on suggestions made by the Administrator 

and owners, and review any problems. 

RESIDENCY 

The purchase of real estate in Switzerland 

does not create the right for obtaining any 

ACQUISITION COST 

The acquisition of a residence in The Chedi 

Andermatt is subject to a land registry duty of 

0.2% on the purchase price, up to a maximum 

of CHF 10´000. Notary fees will amount to a 

maximum of 0.2% on the transaction price, 

with a minimum of CHF 2´000. 

ANNUAL RUNNING COSTS 

Owners will be responsible for a resort 

maintenance fee of approximately CHF 120 – 

CHF 130 per square meter and utility charges of 

approximately CHF 37 per square meter (water 

electricity, heating, telephone, TV, internet). The 

resort maintenance fee shall cover the charges, 

fees and cost and expenses payable for the 

maintenance, management, security, insurance, 

upkeep, renewal, repair and replacement of the 

common areas comprising also the common 

RESERVATIONS 

To make a reservation for a residence in The 

Chedi Andermatt, a potential buyer will need 

to complete and sign a reservation form, at 

which point a reservation fee of 3% of the total 

purchase price is due. The reservation fee will 

be refundable within 8 weeks from signing the 

reservation form minus a handling fee. 

PAYMENT TERMS 

50% of the purchase price minus the 

reservation payment made (first instalment) 

must be transferred to the seller upon the 

public registration of the Sales and Purchase 

Agreement. No interest is payable for this 

instalment. 50% of the purchase price (second 

instalment) is to be paid to the seller upon the 

transfer of title. 



With stunning views and close to the Royal St. Kitts 

Championship golf course, The Koi Resort and Residences has 

been carefully conceptualized to reflect what is expected of an 

internationally renowned 5 star resort. Features will include a 

variety of luxury villas and suites that will connect you to the 

Caribbean ocean and natural setting of Koi Resort & Residences. 

Guests will embark on first class amenities such as swimming 

pools, tennis courts, casino, wedding chapel, retail shops, sunset 

lounge, restaurants, full concierge service, as well as countless 

recreational opportunities. Koi Resort and Residences is an 

Approved Project under the Citizenship-by-Investment Program 

of the Government of St. Kitts & Nevis. 




CONSILIUM TRUST 

Planned Strategy – Innovative Thinking 

♦ Traditional Trust & Corporate Services 

♦ Estate Planning 

♦ Real Estate 

♦ Sharia Compliant Structuring 

♦ Artwork & Antiquities 

♦ Marine & Aviation 

♦ Traditional Investment Portfolios 

♦ Banking & Insurance 

♦ Security 

For more information please visit our website: 

www.consiliumtrust.co.uk 

or call Robin Pitcher on +44 1481 735420 

Consilium Trust Company Limited is licensed by the Guernsey Financial Services Commission

Citizenship by Investment 2014

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