Real Estate vs Donation CBI Programs Compared

Income-based

Proof of passive income of ~€2,300/month (400% of Spain's IPREM index) for main applicant, plus ~€575/month per dependent. Private health insurance mandatory. Property lease or purchase required. Cannot work for Spanish employers.

Income-based

Proof of stable passive income (no fixed minimum, typically €31K+/year) + property.

€50,000

Real estate: €250K+ in Riga or within 30km (freehold, 5-year hold, +5% government fee). Business: €50K into Latvian company (<50 employees) or €100K (50+ employees), plus €10K government fee. Bank deposit: €280K fixed for 5 years. Income proof: €2,220/month required.

$90,000

$90,000 standard contribution to Nauru Economic and Climate Resilience Programme. Promotional rate of $80,000 available through June 2026.

$90,000

$90K donation to National Transformation Fund (single applicant). $95K for families of 2-4. Total cost with fees ~$105K.

$100,000

$100K+ in approved real estate project (government-approved developments only, including residential and mixed-use in Phnom Penh). Includes KHCA membership fee. Total cost typically $50K–$100K depending on chosen project. Work rights included from day one.

$100,000

$100K Heritage track (African descent) or $140K standard track contribution. Total cost with fees approximately $117K–$157K depending on track.

$130,000

$130K government contribution (single applicant). Additional fees for family members.

$150,000

RM 500K fixed deposit in Malaysian bank + mandatory property purchase RM 600K+. Proof of RM 1.5M liquid assets and RM 40K/month offshore income required. Up to 50% FD withdrawal allowed after 1 year for property, healthcare, or education.

€150,000

Government contribution (€68K-€98K) + property purchase (€300K+) or rent (€12K/year) + €2K donation.

$150,000

$150K+ in real estate (must be in applicant's personal name), business investment, private equity funds, shares, securities, or sustainable tourism projects. Note: $150K is a temporary threshold (reduced from $200K under Law No. 9996); may revert to $200K if not extended past mid-2026.

$200,000

$200K donation to Economic Diversification Fund or $200K+ real estate (3-year hold).

$200,000

$200K+ in Panamanian real estate or 3-year Certificate of Deposit in a Panamanian bank. Alternatively, employment with a Panamanian company qualifies. Provisional residency within ~72 hours, permanent residency after 2 years. Available to 50+ eligible nationalities including US, UK, EU, and most Commonwealth countries.

$215,000

RM 1,000,000 fixed deposit in Malaysian bank (approx. USD 215K; up to 50% withdrawable after 6 months for approved uses). Requires RM 40K/month offshore income and proof of RM 10M+ in global assets. No property purchase required.

$230,000

$230K donation to National Development Fund (covers family of up to 4 at same price, unique among Caribbean CBI). Or $260K University of the West Indies Fund (family of up to 6, one member enrolled, inclusive of processing fees). Or $300K+ real estate (5-year hold, joint investment option: two families invest $200K each in same property). Or $1.5M direct business investment.

$235,000

$235K donation to National Transformation Fund (single applicant or family of up to 4), or $270K+ shared real estate (+$50K NTF), or $350K+ sole ownership real estate (+$50K NTF).

$240,000

$240K donation to National Economic Fund (single applicant; $300K for family of 4). Or $300K+ approved real estate (5-year hold). Or $300K+ government bond (non-interest-bearing, 5-year hold, plus administration fee set by the CIU). Or enterprise investment from $3.5M (3+ jobs created).

€250,000

Property: €800K in Athens/Thessaloniki/Mykonos/Santorini, €400K other areas, €250K for commercial-to-residential conversions only. Also bank deposits (€500K), gov bonds (€500K), funds (€350K).

$250,000

$250K Sustainable Island State Contribution (SISC, flat rate for family of up to 4). Real estate: $325K+ (Developer's Real Estate, 7-year hold) or $600K+ (Private Real Estate, 7-year hold).

$250,000

$250K+ real estate or $300K+ government treasury deposit (refundable after 5 years).

€250,000

€250K in HNB-approved residential real estate fund (40%+ of NAV in Hungarian residential property, 5-year minimum hold). Or €1M non-refundable donation to a public interest trust supporting Hungarian higher education. Direct real estate route removed January 2025.

$250,000

$250K+ real estate investment.

$280,000

JOD 200,000 (~USD 280K) in qualifying real estate from licensed developers. Grants investor residency (not citizenship). Renewable while the property is held.

€300,000

Property purchase (€300K+ new build from developer).

$350,000

Passive investor (individual): $350K for 5-year visa or $700K+ for 10-year visa in government bonds, public company shares, or bank deposits. Entrepreneur (establishing company): $2.5M (5-year) or $5M (10-year). No property purchase option — financial instruments only.

$375,000

$375,000+ in an approved Integrated Resort Scheme (IRS), Real Estate Scheme (RES), Property Development Scheme (PDS), or Smart City Scheme (SCS) property. Grants permanent residence directly on purchase, covering the investor and immediate family. Government tax of $70K applies for IRS specifically. Registration duty and land transfer tax rising from 5% to 10% from July 2026. 85% of purchase price must be paid in Mauritius rupees (from December 2024).

$400,000

Property purchase ($400K+) or bank deposit ($500K+) or government bonds ($500K+).

$490,000

Framework reformed July 2025; all passive treasury-bond routes eliminated. Five active citizenship routes (thresholds in JOD; approximate USD conversions at 2026 rates): Existing Project retroactive recognition JOD 350K-700K (~USD 490K-990K); New Project with 10-20 Jordanian jobs JOD 500K-700K (~USD 700K-990K); Share Purchase in Jordanian companies JOD 1M (~USD 1.4M, 3-year profit lock-up); Sector-Specific in pharmaceuticals/logistics/priority sectors up to JOD 3M (~USD 4.2M); Employment-Only (no capital floor) with 100-150 Jordanian national hires. Annual cap of 500 approvals across all routes.

$500,000

RM 1M fixed deposit in Malaysian bank + mandatory property purchase RM 1M+. Proof of RM 1.5M liquid assets and RM 50K/month offshore income required. Up to 50% FD withdrawal allowed after 1 year for approved purposes.

€500,000

Qualifying investment fund (€500K min, 60%+ allocated to Portugal-based companies, 5-year lock-up). Also: €250,000 standard contribution to Portuguese cultural heritage, artistic production, or national scientific research (Law 56/2023). Reduced to €200,000 for projects in low-population-density regions including Azores, Madeira, and interior NUTS III areas. €1.5M capital transfer. Job creation (10 positions). Property route closed Oct 2023.

$500,000

Wealthy Global Citizen: $1M+ in assets with $500K invested in Thai government bonds, real estate, or FDI. Income requirement removed for this category since Feb 2025. Wealthy Pensioner: $1M assets or $80K/year income. Work-from-Thailand professional: $80K/year income, 5 years experience.

$1,000,000

USD 1,000,000 fixed deposit in Malaysian bank (approx. RM 4.4M-4.7M depending on exchange rate) + mandatory property purchase RM 2M+ + participation fee RM 200K. Proof of RM 1.5M liquid assets and RM 60K/month offshore income required. Work and business rights included.

€1,000,000

€1M minimum investment in Andorran assets (real estate, shares, or bank deposits) + €50K government deposit under 2026 regulations. Alternative: €400K via the Andorran Housing Fund.

$1,000,000

$1M contribution (can be paid in Bitcoin or USD).

AED2,000,000

Property: AED 2M+ (equity portion, no 50% threshold since Feb 2026 — off-plan and mortgaged accepted). Or: AED 2M+ public investment/deposits. Entrepreneurs: AED 500K+ in approved startup. Expanded categories include content creators, educators, nurses (15+ years), e-sports professionals.

NZD 5,000,000

Growth category: NZD 5M+ in approved managed funds or NZ business direct investment, held 3 years (21 days/year stay). Balanced category: NZD 10M+ in mixed investments including bonds and new residential property, held 5 years (105 days/year stay). Both restructured April 2025.

HKD 30,000,000

HKD 30M (~$3.8M USD) in permissible financial assets. No property.