Obtaining a residence permit in Spain for 3 years is a great way to legally reside in one of Europe’s most comfortable countries. The Non-Lucrative Residence category allows you to live in Spain without the right to work, while enjoying all the benefits of residency.
The Non-Lucrative Visa (NLV) is a type of residence permit designed for non-EU citizens who have stable passive income or sufficient savings and wish to live in Spain without working. Initially, the permit is granted for 1 year, and then extended for 2 years, with a further possible renewal for another 2 years. In some cases, upon the first renewal, a 3-year residence card is issued if all conditions are met.
Legal residency in an EU country
Free movement within the Schengen Zone
Access to healthcare and education systems
No need to work or open a business
Eligible for permanent residency after 5 years
Path to Spanish citizenship
To obtain a Spanish residence permit as a financially independent individual, you must meet the following conditions:
Financial means: stable income or sufficient savings. For one applicant — at least 400% of IPREM (approx. €2,400/month or ~€28,800/year), plus 100% IPREM (~€600/month) for each family member.
Private health insurance: with full coverage from a Spanish insurance company, no co-payments or deductibles.
Accommodation in Spain: rental agreement or property ownership.
Clean criminal record and no entry ban to Schengen countries.
Medical certificate confirming no serious contagious diseases.
Document preparation and application at the Spanish consulate in your home country
Receiving a D visa and entering Spain
Applying for residence card (Tarjeta de Identidad de Extranjero — TIE) at the police
First renewal after 1 year — if requirements are met, a 3-year residence card may be issued
Valid passport
Passport-style photo
Bank statements and financial documents
Private health insurance policy
Criminal record certificate
Medical certificate
Lease agreement or proof of property ownership
Completed application forms
Although this residence permit does not automatically make you a Spanish tax resident, if you spend more than 183 days per year in Spain, you will be considered a tax resident and must declare your global income. It's recommended to consult a tax advisor in advance.
The residence process can be complex due to legal requirements and specific consular practices. Professional assistance can help you:
Prepare and check all documentation
Translate and legalize documents
Book consulate appointments
Get full support from visa to residence card issuance
Book a consultation, and we’ll guide you through obtaining a 3-year residence permit in Spain — saving you time and minimizing the risk of refusal. Living in Spain is easier than you think!