Calculadora de elegibilidade AIP Malta
Verifique em segundos se precisa de uma autorização AIP, se o imóvel ultrapassa o limiar mínimo de preço maltês e que taxas se aplicam.
Result
AIP permit required, and the price clears the Maltese minimum threshold.
You will need to apply for an AIP permit before signing the deed. The price clears the minimum threshold of € 175.000 for this property type, so the application should be approved on the price test. Other conditions (proof of funds, primary-residence intent) still apply.
- AIP permit needed
- Yes
- Minimum price
- € 175.000
- AIP permit fee
- € 233
- Can buy additional properties
- No
AIP permit fee is a one-off € 233 payable on application, non-refundable. Processing typically takes 6 to 8 weeks; longer if the file is incomplete. The threshold figures shown are the published minimums and are uplifted occasionally; verify with your notary before signing.
About AIP permits
The Acquisition of Immovable Property (Non-Residents) Act regulates property purchases in Malta by people who are not Maltese citizens and have not been resident in Malta for 5 continuous years. Most of Malta's property stock is restricted; SDAs are the main carve-out.
- Non-EU citizens always need an AIP permit unless buying inside an SDA.
- EU citizens who have lived in Malta for under 5 years need an AIP for second homes; primary residences are exempt.
- Inside an SDA, anyone can buy any number of properties with no permit and no minimum-price floor.
- Outside an SDA, the property must clear a published minimum-price threshold per property type.
Requisito imobiliário para Malta Golden Visa, MPRP e cidadania
A maioria dos programas malteses de residência e cidadania exige uma compra ou arrendamento de longa duração além das regras AIP acima. O resultado AIP deste calculador é o que o seu advogado de imigração tem de apresentar junto do pedido de residência. Abaixo, um mapa rápido dos quatro programas mais comuns.
Malta Permanent Residence Programme (MPRP)
Autorização de residência de 5 anos renovável. Requisito imobiliário: compra de pelo menos 375.000 EUR (300.000 EUR se o imóvel se situar no sul de Malta ou em Gozo) ou arrendamento qualificado de pelo menos 14.000 EUR/ano (10.000 EUR/ano no sul de Malta ou em Gozo). Mais contribuição estatal unificada de 37.000 EUR, taxa administrativa de 60.000 EUR (15.000 EUR na apresentação, 45.000 EUR com a Letter of Approval in Principle), 7.500 EUR por dependente com mais de 18 anos e uma doação de 2.000 EUR a uma ONG maltesa. O imóvel deve manter-se durante toda a vigência da autorização.
Citizenship by Merit (substitui MEIN)
A via investidor (MEIN) foi encerrada a novas candidaturas em 26 de julho de 2025, na sequência de um acórdão do Tribunal de Justiça da UE. A sua sucessora, Citizenship by Merit, não exige imóvel nem contribuição fixos: os candidatos têm de demonstrar serviço ou contributo excecional a Malta em áreas como ciência, tecnologia, cultura, desporto, empreendedorismo, filantropia ou ação humanitária. Cada processo é avaliado pelo mérito pela Community Malta Agency e por um Evaluation Board independente.
Nomad Residence Permit
Issued by Residency Malta to non-EU remote workers earning at least €42,000 per year. No property purchase requirement, but most permit holders sign 6 to 12 month leases on Maltese property. The AIP rules above still apply if you choose to buy.
Malta Retirement Programme
Targeted at EU/EEA/Swiss pensioners. 15% flat tax on foreign-source income remitted to Malta, minimum tax floor applies. Requires either purchase of qualifying property at the published thresholds or a long-term lease, plus pension and health-cover proof.
Programme thresholds and rules are revised periodically by Residency Malta and Identità. This page reflects the current published programme parameters; final eligibility and documentation should be confirmed with a Maltese immigration lawyer or licensed agent.
Buying Malta property by buyer nationality
AIP rules and residency programmes treat buyers differently depending on citizenship and current residence status. This is a quick orientation by buyer profile; the calculator above produces the precise AIP outcome for your exact case.
British (UK) buyers after Brexit
Os cidadãos do Reino Unido passaram a ser tratados como extracomunitários a partir de 1 de janeiro de 2021. É exigida licença AIP para qualquer imóvel fora de uma SDA e aplicam-se os limiares mínimos publicados (~247.700 EUR casa, ~148.620 EUR apartamento). Os compradores britânicos mantêm acesso ao MPRP e ao Nomad Residence Permit; a via investidor para a cidadania (MEIN) está encerrada desde julho de 2025, pelo que a cidadania maltesa passa hoje pela naturalização padrão ou pelo novo quadro Citizenship by Merit. Os rendimentos de pensão do Reino Unido são tributáveis em Malta ao abrigo da convenção UK-Malta de dupla tributação se o pensionista for residente fiscal maltês.
American (US) buyers
US citizens are non-EU and need an AIP permit outside SDAs. SDAs (Tigne Point, Portomaso, Pendergardens, Fort Cambridge, Manoel Island, Mercury Towers, Madliena Village, Smartcity, Santa Maria Estate) are the most common option for US buyers because there is no AIP and no minimum-price floor. FATCA reporting applies to any Maltese bank account opened in connection with the purchase. The US-Malta tax treaty governs pension and rental income taxation.
EU citizens (Italy, Germany, France, Netherlands, Spain, Poland, etc.)
EU citizens with at least 5 continuous years of Maltese residence can buy a primary residence without an AIP permit. EU citizens resident for less than 5 years need an AIP for any second home but can buy a primary residence permit-free. SDAs remove the AIP requirement entirely regardless of residence duration. Italians, Germans, and French buyers are the largest non-Maltese segments on Darscover; the calculator outcome accounts for the EU long-term resident exemption.
Russian and CIS buyers
Os compradores russos e dos países da CEI estão sujeitos às regras padrão AIP de extracomunitários e à verificação de sanções da UE. Os bancos e notários malteses têm de verificar a origem dos fundos e podem recusar transações ligadas a pessoas ou entidades sancionadas. Os nacionais russos e bielorrussos continuam excluídos do MPRP enquanto vigorarem as sanções da UE. A anterior via investidor para a cidadania (MEIN) foi encerrada para todos em 26 de julho de 2025.
Other non-EU citizens (Australia, Canada, India, China, Middle East)
All non-EU buyers are treated equivalently for AIP purposes: permit required outside SDAs, threshold applies. Differences appear at the residency-programme stage and the tax-treaty level. Canada, Australia, New Zealand, the UAE, Israel, India, Singapore, and Hong Kong all have varying combinations of double-tax treaties with Malta that change how rental income, capital gains, and pension flows are taxed once the property is owned.
AIP permit FAQs
What is an AIP permit?
AIP stands for Acquisition of Immovable Property. It is a permit issued by the Maltese Commissioner for Revenue that authorises a non-Maltese, non-long-term-EU-resident buyer to purchase residential property in Malta outside a Special Designated Area.
Who needs an AIP permit?
Non-EU citizens and EU citizens who have lived in Malta for under 5 years. The permit is unnecessary for: Maltese citizens; EU citizens with 5+ years of continuous Maltese residence buying a primary home; or anyone (including non-EU buyers) purchasing inside a Special Designated Area.
What are the minimum prices?
The minimum prices are revised periodically by the Commissioner for Revenue. As of the latest update, the floor is roughly 247,700 EUR for a house (any kind, terraced through villa) and roughly 148,620 EUR for an apartment. The minimum applies per property; you cannot aggregate multiple sub-threshold properties to clear it.
What is a Special Designated Area (SDA)?
SDAs are specific developments designated by Maltese law where foreign buyers can purchase without restriction: any number of properties, no AIP permit, no minimum price. Most are large luxury or marina developments: Tigne Point and Fort Cambridge in Sliema, Portomaso and Pendergardens in St Julian's, Manoel Island in Gzira, Smartcity in Kalkara, Madliena Village in Madliena, Mercury Towers in St Julian's, and Santa Maria Estate in Mellieha.
How long does it take to get an AIP?
Plan for 6 to 8 weeks from filing the application to receiving the permit, assuming a complete file. Delays usually come from incomplete documentation (proof of funds, source of funds, deed copies) or supplementary requests from the Commissioner. The application is signed by your notary alongside the konvenju.