move&invest

The working

Every figure on this site, and where it came from

Each headline figure here has been read back from the statute, the ministry tariff or the official fee schedule it is supposed to rest on. Seventy-five checks. Nineteen came back wrong, six could not be established from any primary source at all, and those six are not published as figures anywhere on this site. The first sitting was 23 August 2026; every row re-read since carries its own date. Below is all of it, including the parts that do not flatter us.

Each row is one thing the site states, what the source actually says, and the mark for how the two compared. Citations are given in full — statute, article, gazette and date — because a link can rot and a citation cannot; the link beside it is where the text can be read today, and it says whether it is the authority's own page or a database reproducing it.

About

Portugal

What the site statesVerdictWhat the source says
The route is a Golden Visa through a fund; property was removedconfirmedLei 56/2023 (“Mais Habitação”), art. 53 repealed subparagraphs i, iii and iv of art. 3(1) of Lei 23/2007 — both property options and the capital transfer. Art. 3(5) bars any investment aimed, even indirectly, at real estate.
€500,000 thresholdconfirmedSubparagraph vii: a €500,000 subscription to a fund that is not a property fund, held at least five years, with at least 60% in companies seated in Portugal.
The other routes the site did not mentionaddedTen jobs (eight in low-density areas, no capital threshold); €500,000 into research (€400,000 in low-density areas); €250,000 into cultural heritage (€220,000); €500,000 into a company creating five permanent jobs.
The €1.5m capital transferwithdrawnIt no longer exists.
“6–9 months to the permit”correctedArt. 82 of Lei 23/2007 allows 60 days to decide a grant and 30 to decide a renewal, with tacit approval on renewal where the delay is not the applicant's. In practice it runs one to three years: filing to biometrics 6–24 months, biometrics to card 6–18. AIMA reported roughly 30,000 pending cases on 4 August 2026.
IFICI, 20% flat — the site cited the wrong statutecorrectedThe basis is art. 58-A of the EBF (introduced by Lei 82/2023), not the CIRS; the procedure is Portaria 352/2024/1 of 23 December 2024. 20% on Portuguese category A and B income from qualifying activity, for ten years. Registration by 15 January of the year after residency is obtained. Pensions (category H) and income from blacklisted jurisdictions are excluded and taxed at 35%.
“€62,000 on top” — understatedcorrectedAIMA fees from 1 March 2026: €842.80 to consider, €8,418.90 to issue, €4,210.30 to renew, €8,418.90 per family member, less 25% when filed online. One applicant to the first renewal is roughly €13,470 in fees alone; a family of three roughly €40,400. With a lawyer and fund commissions the real range is €30,000–50,000 for one and €65,000–90,000 for a family.
Can a remote worker already in Portugal convert to a residence permit?addedRe-checked 7 September 2026Not on the published rules, and the defect is a live one. Art. 31-A(2) of DR 84/2007 — the only in-country route the D8 regime names — sends the applicant to “o procedimento definido no n.º 2 e seguintes dos artigos 88.º e 89.º”. Art. 2 of Decreto-Lei 37-A/2024 repealed arts. 88(2), 88(6) and 89(2), (4) and (5) on 4 June 2024, and the regulation's last amendment is DR 1/2024 of 17 January 2024 — five months earlier. So a regulation in force names a repealed procedure. Nor does art. 122(1) help: its nineteen alíneas include the holder of a temporary-stay visa for research or highly qualified activity, al. q), and not the remote-work one at art. 54(1)(i). Lei 40/2024 preserves the old regime only for proceedings begun before 4 June 2024 and for people already contributing to social security. This is about the published rules, not about AIMA's practice, which we could not reach.
OUR OWN ERROR — “the D8’s four-times-the-minimum-wage figure is in no instrument”correctedRe-checked 7 September 2026We published, in six files, that the widely quoted four-times-the-minimum-wage threshold for the D8 could not be traced to any portaria, decreto or despacho, and named two sites as printing a figure that was not law. It is law. Decreto Regulamentar 4/2022 of 30 September 2022, art. 18-B(c) for the temporary-stay visa and art. 31-A(1)(c) for the residence visa, both require “rendimentos médios mensais … nos últimos três meses de valor mínimo equivalente a quatro remunerações mínimas mensais garantidas”. What was right and stays right: art. 61-B of Lei 23/2007 itself states no figure. We read the statute, found it silent, and did not open the regulation that implements it. The finding that survives is better than the one we lost: the law fixes a MULTIPLIER over a three-month average, not a euro amount — €3,680 at the 2026 RMMG of €920, and a different number every January.
What income a D7 applicant must showaddedRe-checked 28 August 2026A percentage of the guaranteed minimum monthly wage, not a sum: 100% for the main applicant, 50% for a second adult, 30% for a child under 18 — €920, €460 and €276 at the 2026 RMMG. The scale is art. 2(2) of Portaria 1563/2007 and art. 13 of the same instrument updates it with the wage automatically, so the euro figure changes every January without any rule changing. The 2026 RMMG is set by art. 3 of Decreto-Lei 139/2025. It is indexed to the RMMG and NOT to the IAS (€537.13 in 2026), which is the anchor most often quoted for immigration income tests and is the wrong one; both values are given so the error is checkable.
There is no article of Lei 23/2007 devoted to the D7addedRe-checked 28 August 2026The route rests on the general residence visa at art. 58, the general permit conditions at art. 77 and the Portaria 1563/2007 scale. Arts. 59 to 64 cover the SPECIFIC visas — subordinate work, independent work, research, study, student mobility, family reunification — and none of them covers a holder of own income. Art. 58 gives two entries, four months in Portugal and a 60-day statutory decision on the visa. The AIMA appointment is not a separate clock: art. 14 of Decreto Regulamentar 84/2007 puts it inside AIMA's favourable opinion where the applicant states a travel date, and requires it to fall within the visa's own validity. The flat “120 days” published by most guides is not a rule of its own.
How long the permit lasts, and what five years buysaddedRe-checked 28 August 2026Two years from the issue of the title, renewable for successive three-year periods, art. 75(1). At five years of temporary residence art. 80(1) opens permanent residence, on four further conditions: no sentence or sentences exceeding one year over those five years, means of subsistence on the same Portaria scale, accommodation, and basic Portuguese. So the income test does not end when the permit becomes permanent. Art. 76(1) gives the permanent permit no expiry; the card is renewed every five years. No CEFR level appears in the statute — art. 80(1)(e) says “Português básico” and nothing more, and the A2 everyone publishes is regulation-level. The current wording of art. 75 was reachable only on a secondary compilation; the primary corroboration that it stands is Lei 61/2025, which re-enacts art. 75 and rewrites only its n.º 2.
Where a D7 application is actually filednot verifiedRe-checked 28 August 2026Not established. Whether the file goes to the consulate directly or through VFS Global is stated only on vistos.mne.gov.pt, the consulate sites and gov.pt, and every mne.gov.pt host failed across this research. The consular fee is €110, the single “national visas” line of Portaria 91/2025/1 amending the emoluments table of Portaria 229/2021 — and a D7-specific line elsewhere in the consolidated table could not be ruled out, because that table on DRE is JavaScript-gated. Every competing page states a filing route flatly. We do not.

Sources

The 2026 fees are the one weak point on this jurisdiction. AIMA's March revision of the fee table does not answer an automated request, so the figures to the cent come from two independent reports of that table rather than from the table itself. Treat them as secondary until the PDF can be read directly.

Greece

What the site statesVerdictWhat the source says
The route is a Golden Visa through propertyconfirmedArt. 100 of Law 5038/2023 as amended by art. 64 of Law 5100/2024; the procedure is KYA 214926/2025.
“€250,000 threshold”correctedSince 1 September 2024 there are three tiers. €800,000 across all of Attica, the Thessaloniki regional unit, Mykonos, Thira (Santorini) and islands with populations above 3,100. €400,000 everywhere else. €250,000 only by exception: conversion of premises to residential use, reconstruction of an industrial building idle for five years, or full restoration of a listed building — and the works must be finished before the application is filed.
A second route at €250,000: the startup investor permitcorrectedRe-checked 5 September 2026This site said no €250,000 startup route existed. It does. Art. 100Α of Law 5038/2023, added by art. 44 of Law 5162/2024 (Gazette Α΄ 198 of 5 December 2024), creates permit type Β.6 for €250,000 of share capital in an enterprise on the Elevate Greece registry — no more than 33% of it, two new jobs held for five years, a five-year lock on the shares, a permit issued for one year and renewed two years at a time, and, by §9, no right to work, in the same words the property permit uses. It became usable on 18 November 2025, when KYA 216761/2025 set the file and a €2,500 electronic fee. It is a different instrument from art. 100 at the same headline number and from the art. 79Α Tech Visa. The error came from reading one article instead of the code's table of contents, where art. 100Α stands one line below art. 100.
Conditions the site did not mentionaddedRe-checked 25 August 2026The property must be a single one, at least 120 m² of principal space. Art. 100 §7A: sharing-economy letting, sub-letting and use as a company seat each revoke the permit and carry €50,000. €150,000 is separate — for failing the restoration condition of §4, without revocation, and for a transfer against §2(δ), with it.
“2–4 months to the permit”correctedArt. 100 §10 gives two months from the complete file reaching the issuing authority. On filing, a βεβαίωση is issued (art. 10 of Law 5038/2023) which by itself confers lawful residence and the rights of the permit until a decision. In November 2025 there were 13,499 pending cases, 10,703 of them in Attica; waits reached 18 months and are now shortening.
Non-dom, €100,000 a year — true, with a trapaddedRe-checked 28 August 2026Art. 5A of Law 4172/2013: €100,000 a year on foreign income, plus €20,000 per family member, an investment of €500,000 within three years, up to fifteen years. §1(b) names real estate among the qualifying assets, so a property does count — but only one worth €500,000, which is neither the €400,000 tier nor the €250,000 exceptions. What the permit does not do is excuse the investment: the waiver in §1 names only the investment-activity permit of art. 16 of Law 4251/2014, whose successors are arts. 96, 97 and 99, and not art. 100.
“€34,000 on top”confirmedCorrect at the €400,000 tier. Transfer tax 3% plus a 3% municipal surcharge on the tax, so 3.09%. VAT on new build (24%) is suspended to 31 December 2026, so ΦΜΑ is what is actually paid. The fee is a €2,000 e-paravolo for the application plus €16 for the card. KYA sets no family-member fee, so no figure is published for one. At the €800,000 tier the same set comes to roughly €67,000.

Sources

The migration ministry's own golden-visa pages were out of date when this was checked: they still cited the repealed art. 20B of Law 4251/2014 and the €250,000 figure. That is why the thresholds here come from stegasi.gov.gr and from the statute, and not from the page a reader would most naturally land on.

Malta

What the site statesVerdictWhat the source says
“Permanent residence programme”confirmedCorrect in substance. Formally the Malta Permanent Residence Programme (MPRP), S.L. 217.26 under the Immigration Act (Cap. 217).
“€300,000 threshold”correctedRe-checked 1 September 2026€300,000 was the south-Malta and Gozo threshold before the reform; there is no regional difference any more. Under L.N. 310/2024 from 1 January 2025 and L.N. 146/2025 of 22 July 2025: purchase €375,000 anywhere, or rent €14,000 a year; government contribution €37,000 either way; administrative fee €60,000 for the main applicant; NGO donation €2,000; €7,500 per dependant, with spouse, minor children and adult children with a disability free; card €500 per person. Held for five years. Plus proof of assets: €500,000 of which €150,000 financial, or €650,000 of which €75,000.
Whether the MPRP regulations state an income requirementcorrectedRe-checked 5 September 2026This site said the regulations name no income requirement at all. They name no FIGURE, which is a different sentence. The word «income» does not appear in S.L. 217.26 — but regulation 15(1)(d) requires the applicant to be «in receipt of stable and regular resources which are sufficient to maintain himself and his dependants without recourse to the social assistance system of Malta». That is a means test, unquantified: no amount, no formula, no wage or poverty line to compute it from. So Malta asks about income and publishes no number, and any page printing a euro «MPRP income requirement» is printing something the law does not contain.
“4–6 months to the permit”not verifiedResidency Malta publishes no processing time at all; the agents' handbook (v4.0, 28 January 2025) speaks only of “reasonable timeframes”. Eight months are allowed to complete the purchase and payments after the letter of approval in principle, so 4–6 months to the card is not realistic; six to twelve months end to end is.
Remittance basisaddedTrue but incomplete as the site had it. A resident without domicile pays on foreign income only when it is remitted, and foreign capital gains are untaxed even when remitted. There is a €5,000 minimum tax a year where unremitted foreign income is €35,000 or more. The MPRP does not by itself confer tax residence.
“€118,000 on top” — understatedcorrectedStamp duty is 5% of the higher of price and market value (1% up front on the promise of sale). Main applicant, purchase route: €375,000 + €18,750 + €60,000 + €37,000 + €2,000 + €500 plus notary and lawyer, roughly €126,000 above the price of the property. Rental route: about €113,500 in the first year without stamp duty, and about €190,000–205,000 across five years of rent.
How long you must actually be in Maltanot verifiedRe-checked 1 September 2026Malta publishes no minimum-presence rule for this programme, and that is not the same as there being none. Five places were walked on 1 September 2026: S.L. 217.26 on the legislation portal (served through a viewer, no text), the agency's own consolidated PDF of it (no text layer), the agents' handbook (silent, and it says the legislation prevails), the MPRP FAQ that would have answered it (404 — withdrawn), and the agency's Compliance page (“Nothing Found”). Treat any figure a broker quotes for this as unsourced.
What you owe every year after the certificateaddedRe-checked 1 September 2026Not a one-off purchase. The agents' handbook requires, at annual compliance, “proof of property lease, via the presentation of a contract of lease, as well as proof of sickness insurance cover” every year for the first five years, and thereafter whenever the Agency deems it necessary. No brochure we read mentions it.
Residence and tax residence are two different testsaddedRe-checked 1 September 2026Three tests, decided separately. Whether you may live in Malta: S.L. 217.26. Whether Malta taxes you: the tax administration's own words, “When an individual is present in Malta for more than 183 days (in any particular year) they will be considered as tax residence in Malta for that year.” What Malta taxes you on: “Those who are considered as ordinary resident and domiciled in Malta are subject to tax on a worldwide basis, whilst those who are either not domiciled or not ordinarily resident in Malta are only taxable on a remittance basis.” The MPRP triggers none of the last two.
The cheap route is the one that requires you to be thereaddedRe-checked 1 September 2026The Nomad Residence Permit costs a fraction of the MPRP and is the one with a presence rule: renewal needs “a bank statement showing payment transactions carried out in Malta as proof that they have resided in Malta for a cumulative period of at least five (5) months over the previous twelve (12) months.” Income floor €42,000 a year (€32,400 for applications before 1 April 2024), one year at a time, three renewals, four years maximum, 10% on authorised work under S.L. 123.210. The programme costing about €126,000 above the price of a flat publishes no presence rule at all.
What does it cost to live in Malta?addedRe-checked 7 September 2026Two answers, and one of them is an absence. RENT is measured well: private residential leases must be registered with the Housing Authority since 1 January 2020, and 60,339 contracts were active at the end of 2023. The Central Bank of Malta put the median rent on a lease NEWLY SIGNED in 2023 at €850 a month, against advertised medians of €1,400 on Facebook Marketplace and €1,500 across aggregated agency listings — but the sets differ, 44% of registered lets having three or more bedrooms against 53% of agency listings, and the register also contains renewals whose rent has not moved. EVERYTHING ELSE is not measured currently: NSO's last completed Household Budget Survey covers 2015–2016. The next was collected from November 2024 to December 2025 and is due to be published before the end of 2026. Prices, as opposed to spending, are monthly: HICP for March 2026 was 2.3% a year, with recreation and culture at 4.6% and restaurants and accommodation at 3.9%.

Sources

UAE

What the site statesVerdictWhat the source says
Golden Visa through propertyconfirmedDLD, “Request for Golden Visa – Investor”; GDRFA, “Issuing a golden residence permit (investors)”.
AED 2,000,000 for ten yearsaddedCorrect, with qualifications the site did not carry. The property need not be a single one: GDRFA says “one or more properties with a value of no less than AED 2,000,000”. A mortgage is allowed with a bank letter of no objection stating the amount paid and the balance. Fractional ownership qualifies if the share itself reaches the threshold.
Off-plan propertycorrectedRe-checked 30 August 2026The Annex to Cabinet Resolution 65/2022, art. 8, Second, expressly admits off-plan — «one or more Real Estate units off the map» at AED 2,000,000, bought from local companies determined by the Competent Local Authority. The «entirely constructed» requirement is real but belongs to GDRFA's ordinary property-owner permit, not to the golden residence. Dubai's own golden visa e-service still asks for a title deed, which an off-plan Oqood registration is not: the federal text permits what the emirate channel has no document for.
The AED 750,000 and AED 1,000,000 figures in circulationcorrectedRe-checked 30 August 2026AED 750,000 was never a golden visa threshold. It was Dubai's floor for the separate two-year property investor visa, and it was removed in April 2026: a sole owner now faces no minimum value at all, and a co-owner's share must reach AED 400,000. AED 1,000,000 is the retirement golden visa, from age 55, for five years — not a shorter investor route.
“3–6 weeks to the permit” — overstatedcorrectedDLD publishes 7–10 working days, GDRFA about 5 working days, ICP an entry permit in 2 days. In practice, title deed to Emirates ID runs about two to four weeks.
No personal income taxconfirmedu.ae, verbatim: “The UAE does not levy income tax on individuals.” The 9% corporate tax and the 15% DMTT do not touch personal income. VAT is 5%.
“€490,000 at a rate of 4.08”correctedThe rate on 23 August 2026 was about 4.288 dirham to the euro, so AED 2m is about €466,400. A rate may not be baked into a figure without its date.
“€38,000 on top” — overstatedcorrectedRe-checked 28 August 2026The previous wording here was wrong twice over. The 4% registration fee is not market practice: Executive Council Resolution 30 of 2013, schedule item 1, sets it as “4% of the value of the sale contract”, which on AED 2,000,000 is AED 80,000. Article 3 of the same resolution splits it equally between buyer and seller “unless agreed otherwise” — the buyer paying all of it is the custom, not the rule. On top of that sit the title deed at AED 250, knowledge and innovation fees of AED 20, and the registration trustee at AED 4,200 including VAT. The golden visa itself is AED 9,884.75 (medical 700, Emirates ID 1,153, residence 2,856.75, DLD 4,020, administrative 1,155), plus AED 5,774.50 per dependant and a one-off AED 318.75 to open the family file. The 2% agent commission is the only component with no official basis at all: DLD’s own FAQ leaves the rate to the agreement and, failing that, to prevailing custom, and no law or RERA rule caps it. Officially set costs come to about €22,000; the €31,000 in the table includes the agent’s 2%, and the second error was saying it did not.

Sources

Naturalisation: the column that had to be rewritten

What the site statesVerdictWhat the source says
Portugal — “five years to citizenship”correctedRe-checked 7 September 2026Lei Orgânica 1/2026 (Diário da República, 18 May 2026, in force from 19 May) rewrote art. 6(1)(b) of Lei 37/81: seven years for nationals of Portuguese-speaking countries and of the EU, ten years for everybody else. Plus an examination in the language and in culture, history and state symbols, and a solemn declaration of adherence to the rule of law. It is not retroactive — applications filed before it came into force are decided under the previous text (art. 7(2)). And art. 5 of the same law REPEALS art. 15(4) of Lei 37/81, the paragraph inserted by Lei Orgânica 1/2024 that made time in the residence-permit queue count once the permit was granted. So there are two regimes: a file pending on 19 May 2026 still counts from the date the permit was REQUESTED; after that date what remains is art. 15(1), lawful presence under any title, visa or authorisation — which no longer reaches back over a queue that can run one to three years.
Greece — does the golden visa count towards citizenship?addedThree tiers, not one number — read at the Ministry of the Interior's consolidated text on 8 September 2026, and no page in this market prints more than the middle one. THREE continuous years under art. 5(1)(δ) for four categories only: nationals of an EU member state, a spouse of a Greek WITH a child, anyone with parental custody of a Greek-national child born in Greece, and stateless persons. SEVEN continuous years for everybody else holding a title on the exhaustive list of art. 5(1)(ε) — the investor permit is item αθ. TWELVE continuous years under art. 5(3) for a holder of any other valid title, temporary ones excepted. The examination is art. 5Α, not art. 5, and it names no CEFR level. And the Code requires ACTUAL residence while the golden visa requires no minimum stay, so holding the permit does not by itself accumulate the period.
Malta — citizenship by investmentwithdrawnRe-checked 1 September 2026Closed, and not by replacement. After C-181/23 of 29 April 2025, Act XXI of 2025 and L.N. 159 of 2025 AMENDED the condemned scheme's own regulations: S.L. 188.06, in force since 20 November 2020, was rewritten into naturalisation on the basis of merit under art. 10(9) of Cap. 188 — science and research, technology, sport, entrepreneurship including job creation, culture and the arts, philanthropy. At least eight months of residence, and the formal application must also show property and knowledge of the language. No fee is published: “Fees that would be established by the Agency apply.” A separate Office of the Regulator sits under arts. 25, 25A and 25B. Ordinary naturalisation is twelve continuous months immediately before applying plus four years inside the six preceding them — five years at a minimum, spread across up to seven.
What this changes about the comparisoncorrectedPortugal has stopped being the fastest route to a passport in this set. Malta at about five years and Cyprus at four to five for certain categories are now shorter than Portugal's ten for non-EU, non-CPLP nationals. The column is more accurately called “naturalisation by residence is possible” than “route to citizenship” — in all three cases it needs years of real residence and a language examination. In the UAE, naturalisation is exceptional and by nomination; owning property does not start it.

Cyprus

What the site statesVerdictWhat the source says
The €300,000 threshold under regulation 6(2)not verifiedSecondary sources give €300,000 excluding VAT, with VAT on top; confirmed foreign income of €50,000 a year, plus €15,000 for a spouse and €10,000 for each minor child; medical insurance; annual confirmation that the investment and the insurance are maintained; sale without immediate replacement means withdrawal; police certificates every three years. Criteria as revised on 2 May 2023. None of this could be read from a primary source.
Transfer feescorrectedTransfer fees are not charged where VAT has been paid — and the 6(2) route requires a first-sale property, which carries VAT. So they come out of any estimate. Where they do apply: 1% up to €85,000, 3% up to €170,000, 5% above.
The reduced VAT rate and its limitsnot verifiedVAT is 19% standard and 5% reduced. The limits on the reduced rate (130 m² / €350,000) could not be confirmed.

No source is listed because none could be reached. gov.cy answers 403, the certificate on mip.gov.cy has expired, and the tax department's PDF is closed by robots. That is why Cyprus stands in the comparison table with dashes rather than figures and has no page of its own: a permanent-residency threshold published without being read from the law is exactly the claim that circulates, gets forwarded and cannot be corrected in place. When a primary source becomes reachable, Cyprus gets its figures and its page in the same week.

Every row was checked against a primary source on 23 August 2026, except where a row carries a date of its own.The text of this page last changed on 15 September 2026.

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