The Residencia No Lucrativa (NLV) lets non-EU nationals live in Spain on passive income — pensions, savings, dividends, rental income — without working. The number that matters is the income threshold, pegged to the IPREM.
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Start free diagnostic →The 2026 income threshold
- Main applicant: €28,800/year (400% of the annual IPREM).
- Each dependant: an extra €7,200/year (100% IPREM).
- Banks often accept equivalent capital (around €115,000+) as an alternative to recurring income.
What counts as income
Passive sources only: pensions, dividends, interest, rental income, or sufficient savings. You can show it with bank certificates, pension statements and investment records.
The rules that trip people up
- No working in Spain — including remote work for a foreign employer. If you have employment income, the Digital Nomad Visa is the correct route instead.
- Apply from your home country at the Spanish consulate — not from inside Spain.
- Private health insurance with full cover and no co-pay is mandatory.
- After arriving, you have 30 days to apply for the TIE.
Renewals and the path to permanence
The initial NLV is one year, then renewable in two-year blocks; after five years you can apply for Larga Duración (permanent residence). See the Non-Lucrative Visa route page for the full checklist.
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