Dream Program for Retirees and Rentiers in Spain
Imagine: you receive your pension, dividends, or royalties in your home country, but live in sunny Spain with a perfect climate and excellent healthcare. No rush, no stress — just enjoying life in one of the most beautiful countries in the world.
Sounds like the ideal retirement? This is reality for thousands of people with a Non-Lucrative Visa!
Imagine: you receive your pension, dividends, or royalties in your home country, but live in sunny Spain with a perfect climate and excellent healthcare. No rush, no stress — just enjoying life in one of the most beautiful countries in the world.
Sounds like the ideal retirement? This is reality for thousands of people with a Non-Lucrative Visa!
Who the Non-Lucrative Visa is for:
Retirees
Receiving a pension and want to live better? In Spain, your pension will have much greater purchasing power, and your quality of life will be unmatched. Imagine: instead of cold winters and expensive utilities — year-round sunshine and affordable prices for everything you need.
Business Owners
Does your business run without your presence? If you receive stable passive income from your companies, the Non-Lucrative Visa allows you to enjoy the fruits of your labor in a paradise in Europe.
Investors and Rentiers
Do you live off dividends, royalties, or investment income? Receive income in one country and live in sunny Spain! This is the classic model of financial independence — earn in one place, live in another.
Creative Professionals
Do you receive royalties or intellectual property income? Spain is the perfect place for creativity and inspiration, where your talent generates income while you enjoy the Mediterranean lifestyle.
Who the Non-Lucrative Visa is for:
Retirees
Receiving a pension and want to live better? In Spain, your pension will have much greater purchasing power, and your quality of life will be unmatched. Imagine: instead of cold winters and expensive utilities — year-round sunshine and affordable prices for everything you need.
Business Owners
Does your business run without your presence? If you receive stable passive income from your companies, the Non-Lucrative Visa allows you to enjoy the fruits of your labor in a paradise in Europe.
Investors and Rentiers
Do you live off dividends, royalties, or investment income? Receive income in one country and live in sunny Spain! This is the classic model of financial independence — earn in one place, live in another.
Creative Professionals
Do you receive royalties or intellectual property income? Spain is the perfect place for creativity and inspiration, where your talent generates income while you enjoy the Mediterranean lifestyle.
Benefits of the Non-Lucrative Visa
Benefits of the Non-Lucrative Visa
Stress-Free Life
No more deadlines or work-related stress. Your day belongs only to you: morning coffee on the terrace, a walk through the historic center, a siesta to the sound of the sea, evening dinner in a cozy restaurant.
Earn in One Country — Live in Another
A brilliant financial optimization scheme! Receive your pension, dividends, or royalties in your home currency, but spend them in Spain, where:
- Real estate is 2–3 times cheaper
- Utilities are much more affordable
- Food is higher quality and cheaper
- Healthcare is accessible and effective
Path to Residency and Citizenship
The Non-Lucrative Visa is not a dead-end, but the start of your journey! Within a few years, you can:
- Obtain permanent residency
- Convert the visa to a work visa (if you decide to earn additionally)
- Apply for Spanish citizenship
- Travel freely across the Schengen Zone
Ideal Climate for Health
300 sunny days a year positively impact health, mood, and overall well-being. Many chronic illnesses retreat in the Mediterranean climate, and life expectancy in Spain is among the highest in the world.
World-Class Healthcare
Spanish healthcare ranks 7th globally. High-quality treatment, modern equipment, attentive doctors — all at reasonable costs. Private insurance for retirees costs €50–150 per month and covers almost everything.
How the Non-Lucrative Visa Works
How the Non-Lucrative Visa Works
1
No Work Required — No Worries.
You don’t need to work — just don’t! This visa is designed for people who can afford not to work. No employer-style tax declarations, no reporting — just enjoy life.
You don’t need to work — just don’t! This visa is designed for people who can afford not to work. No employer-style tax declarations, no reporting — just enjoy life.
1
No Work Required — No Worries.
You don’t need to work — just don’t! This visa is designed for people who can afford not to work. No employer-style tax declarations, no reporting — just enjoy life.
2
Flexibility for the Future.
Plans can change — and that’s fine! If after a year or two you decide to start a business in Spain or find a job, the visa can be converted into a work or entrepreneur visa.
Plans can change — and that’s fine! If after a year or two you decide to start a business in Spain or find a job, the visa can be converted into a work or entrepreneur visa.
2
Flexibility for the Future.
Plans can change — and that’s fine! If after a year or two you decide to start a business in Spain or find a job, the visa can be converted into a work or entrepreneur visa.
Possible Scenarios:
Start your own business in Spain
Receive a job offer
Invest in Spanish real estate or business
Convert to self-employed status for consulting
3
Family Visa.
Bring your whole family! Your spouse and children under 18 (sometimes up to 25) can obtain visas with you. Your children will receive a European education, and the whole family will enjoy a world-class quality of life.
Bring your whole family! Your spouse and children under 18 (sometimes up to 25) can obtain visas with you. Your children will receive a European education, and the whole family will enjoy a world-class quality of life.
3
Family Visa.
Bring your whole family! Your spouse and children under 18 (sometimes up to 25) can obtain visas with you. Your children will receive a European education, and the whole family will enjoy a world-class quality of life.
Your New Life in Spain
Your New Life in Spain
Morning in Paradise
Morning in Paradise
Wake up to the sound of waves or birds singing in the Andalusian mountains. Have breakfast with fresh fruit on a terrace overlooking the sea. No rush — the day belongs entirely to you.
Culture and Entertainment
Culture and Entertainment
Flamenco in Seville, Prado museums in Madrid, Gaudí’s architecture in Barcelona. Spain’s rich culture is now at your doorstep. Festivals, concerts, exhibitions — every day can become a small celebration.
Travel Across Europe
Travel Across Europe
The Schengen visa opens up all of Europe. Weekends in Paris, a week in Tuscany, a Mediterranean cruise — all now accessible without visas or borders.
Healthy Lifestyle
Healthy Lifestyle
Mediterranean diet, fresh air, an active lifestyle. In Spain, you naturally want to move more, eat healthy, and enjoy every day.
Morning in Paradise
Morning in Paradise
Wake up to the sound of waves or birds singing in the Andalusian mountains. Have breakfast with fresh fruit on a terrace overlooking the sea. No rush — the day belongs entirely to you.
Culture and Entertainment
Culture and Entertainment
Flamenco in Seville, Prado museums in Madrid, Gaudí’s architecture in Barcelona. Spain’s rich culture is now at your doorstep. Festivals, concerts, exhibitions — every day can become a small celebration.
Travel Across Europe
Travel Across Europe
The Schengen visa opens up all of Europe. Weekends in Paris, a week in Tuscany, a Mediterranean cruise — all now accessible without visas or borders.
Healthy Lifestyle
Healthy Lifestyle
Mediterranean diet, fresh air, an active lifestyle. In Spain, you naturally want to move more, eat healthy, and enjoy every day.
Financial Benefits
Your Money Goes Further.
Your purchasing power increases significantly! Compare:
- Apartment rental by the sea — €600–1200/month
- Restaurant meal — €12–20
- Utilities — €50–100/month
- Gas, groceries, entertainment — all more affordable
Financial Benefits
Your Money Goes Further.
Your purchasing power increases significantly! Compare:
- Apartment rental by the sea — €600–1200/month
- Restaurant meal — €12–20
- Utilities — €50–100/month
- Gas, groceries, entertainment — all more affordable
Tax Benefits
Special conditions for Non-Lucrative residents. Many types of passive income are taxed favorably, and social contributions are minimal or non-existent.
Tax Benefits
Special conditions for Non-Lucrative residents. Many types of passive income are taxed favorably, and social contributions are minimal or non-existent.
Real Estate as an Investment
Buy your dream home by the sea or in the mountains. Spanish real estate is not only your home but also an excellent investment, growing in value and generating rental income.
Real Estate as an Investment
Buy your dream home by the sea or in the mountains. Spanish real estate is not only your home but also an excellent investment, growing in value and generating rental income.
What’s Important for Comfortable Living
Getting a visa is only the first step. To truly live your dream life in Spain, you need to organize all aspects of your new life:
Ideal housing for comfort and relaxation:
- Locations with beautiful views and good environment
- Proximity to medical centers and pharmacies
- Developed infrastructure for leisure
- Community of like-minded expats
Healthcare:
- Quality private medical insurance
- Access to doctors who speak your language
- Access to top clinics and specialists
- Regular preventive check-ups
Financial Planning:
- Optimal ways to receive income in Spain
- Banking products for expats
- Tax planning and optimization
- Currency operations and protection against exchange risks
Social Adaptation:
- Learning Spanish for comfortable communication
- Integration into the expat community
- Understanding local culture and traditions
- Active leisure and new hobbies
What’s Important for Comfortable Living
Getting a visa is only the first step. To truly live your dream life in Spain, you need to organize all aspects of your new life:
Ideal housing for comfort and relaxation:
- Locations with beautiful views and good environment
- Proximity to medical centers and pharmacies
- Developed infrastructure for leisure
- Community of like-minded expats
Healthcare:
- Quality private medical insurance
- Access to doctors who speak your language
- Access to top clinics and specialists
- Regular preventive check-ups
Financial Planning:
- Optimal ways to receive income in Spain
- Banking products for expats
- Tax planning and optimization
- Currency operations and protection against exchange risks
Social Adaptation:
- Learning Spanish for comfortable communication
- Integration into the expat community
- Understanding local culture and traditions
- Active leisure and new hobbies
Our Dream Program for the Non-Lucrative Visa
We’ve created a comprehensive program that makes obtaining a visa and relocating to Spain a smooth process without stress or errors:
-
Full Relocation Support:
- Non-Lucrative visa with all documents
- Finding ideal housing for a comfortable life
- Organizing medical care and insurance
- Opening bank accounts and financial setup
-
Legal and Tax Support:
- Tax planning for optimal obligations
- Consultations for status changes if needed
- Assistance with extensions and residency
- Legal support for all procedures
-
Comfortable Adaptation:
- Language courses and cultural adaptation
- Integration into a community of like-minded expats
- Assistance with real estate purchase if desired
- Lifestyle consultations in Spain
While you enjoy your well-deserved rest on the Mediterranean coast, we handle all the formalities!
Your dream of a serene life in Spain begins today. Let us make it a reality!
Your dream of a serene life in Spain begins today. Let us make it a reality!
Ready to start a new chapter of your life with the Non-Lucrativa visa program?
Answer 10 questions and receive a personalized relocation plan: visa, budget, next steps.
Answer 10 questions and receive a personalized relocation plan: visa, budget, next steps.
Want to know the details of obtaining a Non-Lucrative Visa?
If you are interested in visa requirements, necessary documents, and the step-by-step process, read the detailed information below.
If you are interested in visa requirements, necessary documents, and the step-by-step process, read the detailed information below.
No lucrativa
Provides the opportunity to live in Spain without the right to work. It offers unlimited freedom of travel and independence from external circumstances, such as employers or partners. Just prove your passive income and enjoy life with a residence card.
Why No lucrativa?
A comfortable start to life in Spain
This residency permit exempts you from working in Spain and allows for personal pursuits like exploring the country or studying, including the chance to do paid internships.
No lucrativa is suitable for:
Those who have a business in another country*
Retirees
Owners and renters of foreign real estate
*A residence permit does not entitle you to work in Spain, but does allow you to do business abroad
Those who receive royalties and passive income from securities
Individuals with sufficient savings to afford a work-free lifestyle
from 6 390€
minimum
income for each additional family member
6
months
duration of bank statements
25 560€*
per year
minimum passive income for one person
*Minimum amounts are constantly changing, this data is current as of December 2023
183
number of days per year that must be spent in Spain
minimum
The main requirement for obtaining No lucrativa is having a confirmed source of passive income.
How is sufficient passive income calculated?
For example, for a family of 4: €565 x 7 = €3,955 x 12 months = €47,460
*IPREM — This is the equivalent of the Minimum Wage or an index used in the calculation of state social assistance
a. Monthly passive income = 4 times IPREM* or (4x€565) = €2,260 for the primary applicant and + €565 for each subsequent family member
b. Savings in the bank account = result from point a x 12 months
The first step in obtaining No lucrativa is to submit your documents to the Spanish consulate. This must be done outside of Spain. No lucrativa is a rare process in which registration is only only outside the country.
2
year
duration of residency upon renewal
*Within the 90 days, you must come to Spain and request a resident card within 1 month of entering the country
90 days*
validity period of the D visa issued at the Spanish consulate.
1
year
duration of the No lucrativa residence permit upon initial application
What documents are needed for the application?
Now is the perfect time to start the process of obtaining permanent residency. You need to register and obtain empadronamiento—essentially your registration at your place of residence, for example, in rented housing. Next, you need to gather the required documents, schedule fingerprinting, and voila! You'll get the long-awaited TIE resident card.
What to do after arriving in Spain on a D visa?
Several completed applications
Passport valid for the entire duration of residency
Certificate of no criminal record with an apostille and a sworn translation into Spanish
International medical certificate
2 photos
Financial documents confirming sufficient financial means (foreign documents must be legalized, translated, and apostilled)
Medical insurance
Processing Costs
At DreamLife, you can choose from pre-packaged plans tailored for you:
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Processing Costs
At DreamLife, you can choose from pre-packaged plans tailored for you:
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Processing Costs
At DreamLife, you can choose from pre-packaged plans tailored for you:
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Dream Visa — visa or residence permit processing only
Dream Life — full relocation package
You can also order individual services separately.
Fill out the form to receive your personalized offer.
Our team
Aleksandra Scherstyannikova
Luciana Mercedes Torrents
Inna Kornienko
Senior Account Manager
Immigration Lawyer
Account Manager
Our team
Aleksandra Scherstyannikova
Luciana Mercedes Torrents
Inna Kornienko
Residency Manager
Immigration Lawyer
Account Manager
F.A.Q.
These are questions we've heard more than a few times. That's why we've answered them in advance for you.
We have a tradition: start with a free online call. From our office in Barcelona, we'll discuss your case and offer a tailored solution. Each case is unique, so our immigration experts will develop the best offer for you and your family.
If the case is urgent, let us know: we'll expedite and coordinate all the details within 24 hours.
If the case is urgent, let us know: we'll expedite and coordinate all the details within 24 hours.
We offer you the flexibility to choose:
- Full one-time payment
- 50% upfront, 50% later
The first part of the payment must be made upon agreeing on the service package; the rest after the completion of the work. If you need any extra services while we’re working together, such as assistance with opening a bank account or finding accommodation, these can easily be included in the final payment.
- Full one-time payment
- 50% upfront, 50% later
The first part of the payment must be made upon agreeing on the service package; the rest after the completion of the work. If you need any extra services while we’re working together, such as assistance with opening a bank account or finding accommodation, these can easily be included in the final payment.
We accept all forms of payment, including debit and credit cards, as well as bank transfers and PayPal.
It's possible. After the free consultation, however, you may realize that you need help with something specific.
To start, we recommend choosing one service, and adding additional ones as needed. We adapt our expertise to your specific case. At each stage, we will discuss, in advance, what assistance is needed. We prioritize flexibility and supporting you with your individual case, not just within the boundaries of a specific service package.
To start, we recommend choosing one service, and adding additional ones as needed. We adapt our expertise to your specific case. At each stage, we will discuss, in advance, what assistance is needed. We prioritize flexibility and supporting you with your individual case, not just within the boundaries of a specific service package.
Of course! Share your story with the team in messages or during the consultation, and we will help you find the best solution. Even if we can't help directly, we will be able to point you in the right direction. Sometimes, that's all you need.
Our commercial proposals contain a detailed description of each service. This way, you know exactly what to expect. We also share the full terms of our agreements with clients in advance — it's important for you to review them before we start working.
- International expertise and local experience
Our team has all the resources to make the move to Spain hassle-free and more comfortable. Each of us has moved at some point, so we understand all the challenges, risks, and concerns.
Dreamlife's immigration experts are familiar with the current context of Spanish bureaucracy and know how to work with documents and accounts efficiently. Our accumulated experience allows us to avoid mistakes and effectively help with each specific case.
- Individual approach
Knowing general information is not enough; it's more important to apply expertise based on unique needs and requests. We offer individual solutions — that's our value.
- Comprehensive approach and additional services
Relocation doesn't end with obtaining the necessary residency. Adapting to your new life has only begun, and we are here to help when you don't know who to turn to. Enrolling a child in school, finding the right doctor, resolving disputes with the landlord, and hundreds of other important details determine your comfort in a new country– we are here to help.
Our team has all the resources to make the move to Spain hassle-free and more comfortable. Each of us has moved at some point, so we understand all the challenges, risks, and concerns.
Dreamlife's immigration experts are familiar with the current context of Spanish bureaucracy and know how to work with documents and accounts efficiently. Our accumulated experience allows us to avoid mistakes and effectively help with each specific case.
- Individual approach
Knowing general information is not enough; it's more important to apply expertise based on unique needs and requests. We offer individual solutions — that's our value.
- Comprehensive approach and additional services
Relocation doesn't end with obtaining the necessary residency. Adapting to your new life has only begun, and we are here to help when you don't know who to turn to. Enrolling a child in school, finding the right doctor, resolving disputes with the landlord, and hundreds of other important details determine your comfort in a new country– we are here to help.