Living in Spain on your own means.
Non-lucrative residence (residencia no lucrativa) is the route for those living on private means and for those retiring to the Costa del Sol: living in Spain without carrying on any activity in the country. We assemble the file, defend it before the authorities and stay with you until you are settled.
The service
What it is and who it is for
For those who can live on their own means without working in Spain: income, savings, pensions or investments held outside the country. It is the usual route for those retiring to the Mediterranean or wishing to spend most of the year here without depending on local employment.
The central requirement is solvency: evidencing sufficient income or means for you and for the family members accompanying you, together with health cover valid in Spain. We tell you how much, how to prove it and which policies the authorities accept.
A solid file is granted; an improvised one ends in appeal. Before a single document is moved, we check that your profile fits. Without obligation.
The Garzalex process
How we do it
Strategy meeting
We understand your situation and confirm that this is your route. In your language, in complete confidence.
The file
We gather, translate and review the documentation: solvency, health insurance and criminal record certificates, bearing an Apostille and in order.
Application and follow-up
We file with the consulate or the authorities, respond to any official requests and keep track of the time limits on your behalf.
Settling in
TIE (foreigner’s identity card), empadronamiento (registration on the municipal population register), bank accounts, housing and schools. The decision is not the end: it is the halfway point.
Put a date on your plans for Spain.
A private consultation to review your case and confirm the safest route. Without obligation, in your language and in complete confidence.
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