Portugal D7 Visa 2022: Ultimate Guide2022-04-26T12:23:35+00:00

Portugal D7 Visa 2022: Ultimate Guide

The Portugal D7 Visa offers a path to Portuguese residency - without investment.

Need Golden Visa flexibility but at a lower price point? Check out the HQA Visa Program here. Priced at 175K ALL-IN. Approvals in 30 days.

Ready to start your new life in Portugal? You’re in the exact right place…

Want residency in Portugal without making a property investment? The Portugal D7 Visa offers a path to residency in as little as 4 to 6 months.

The visa program is  aimed at attracting foreign applicants with the means to support themselves through stable passive or recurring income. The D7 Visa is a relatively unknown, but highly compelling alternative to the Portugal Golden Visa.

The D7 is also an excellent visa option for remote workers and digital nomads seeking to spend more than 3 months at a time in Portugal.

LEGAL BASIS: Article 58, paragraph 1, of Law number a23/2007, of 4 July, and Article 24 (d) of Regulatory Decree No. 84/2007 of 5 November makes provision for the establishment of the Portugal D7 Visa category, which was launched in 2007.

Find out more about the benefits of the D7 Visa below, or contact us now for more information.

What are the physical presence requirements for the D7 Visa?2022-03-26T10:35:32+00:00

Under the D7 Visa program, in order to keep your residency permit renewable, you have to spend a minimum of 183 days per year, uninterrupted, in Portugal (that’s 6 months+). You also have the option of spending 8 interrupted months in the country, e.g. 2 stays of 4 months each.

Failure to meet this requirement will likely lead to your residency permit not being renewed. While there may be some instances where spending less than the required minimum time in-country may not lead to non-renewal, but it is advisable to assume that it will, and “do your time” commensurately.

If you are NOT able to spend 183 days (or more) in Portugal, the Portuguese Golden Visa or the HQA Visa Program may be better suited to your needs.

Can remote workers apply for the D7 Visa?2022-04-24T19:10:42+00:00

Yes, they can. Provided that you earn enough stable, foreign sourced income, and that your foreign employer allows you to work remotely from Portugal, you should be able to get the D7 Visa.

IMPORTANT: Based on our first-hand experience, many consulates will require you to have a permanent employment contract, and you should have been stable in your current role for at least one year (12 months+).

In addition, you’ll require a formal letter of authorization from your employer, confirming both your employment, and explicitly stating that you are allowed to work remotely from Portugal. This letter has to be on an official company letterhead.

While the minimum required recurring income per month, as of 2022, is €705+ (€8,424,+ per year), the more you can show above this amount, the better.

You’ll ideally need to earn several times more than this minimum.

Your application will also be more likely to succeed if you have additional passive income, e.g. from renting out a property, and if you have access to significant savings.

You’ll also be required to have a minimum of €7,500+ in a Portuguese bank account in your name, but we typically recommend depositing at least €12,000-15,000 in this account to further boost your chances of getting approved.

While this remote work visa historically required stable passive savings, e.g. in the form of pension benefits or long-term rental income, the Portuguese immigration authorities and consulates have recently been favoring remote workers with significant offshore salary earnings as well.

Contact us now for more information and to see if you are eligible.

 

 

Can I get residency if I already own a property in Portugal?2021-04-25T15:43:32+00:00

Can you get a Portuguese Golden Visa retroactively? The answer is yes, potentially – provided that the following criteria are met:

  1. The property has to have been purchased after December 2012, when the Golden Visa Program was launched.

  2. The property must fall into one of the following pricing categories:

    • The property was worth €500,000 or more when purchased, and is situated anywhere in Portugal.

    • The property was worth €400,000 or more when purchased, and is situated in a low-density area as defined by the Portuguese authorities.

    • The property was worth €350,000 or more when purchased, was 30 years or older, and required renovation.

    • The property was worth €280,000 or more when purchased, is more than 30 years old, and is situated in a low-density area where the average GDP is 75% lower than the average GDP in Portugal.

    • The property is in the name of either a single person or one of the spouses.

If the property is jointly owned (50%:50%), neither of the spouses will be eligible for the Golden Visa as the per-person ownership value does not meet the minimum thresholds.

If the property is fully owned by one of the spouses, they are eligible to apply for the Golden Visa, whereas their spouse is not. However, the spouse is eligible to apply as a dependent to the primary applicant, as are their minor children.

If you already own a property in Portugal that was purchased after December 2012, yet the value is – for example – €250,000, and said property is not older than 30 years and didn’t require any renovations, you can invest in a “top-up” property worth another €250,000, anywhere in Portugal (and in any condition), in order to reach the €500,000 minimum investment threshold.

Once this investment requirement has been met, you can then apply for a Golden Visa.

If you own a property of €100,000, and are not able to invest an additional €400,000, you also have the option to apply for the D7 Visa, provided that you can prove sufficient recurring income, savings, and/or savings.

In order to maintain your D7 residency, however, you should plan to spend at least 6 months per year living in Portugal.

The rules for both the Spanish and Greek Golden Visa Programs are broadly the same, yet in Greece, you can apply for a Golden Visa even if your property, worth a minimum of €250,000 at the time of purchase, was bought prior to the launch of the Greece Golden Visa Program in 2013.

Contact us now for more information and to determine whether your existing property is eligible for a Golden Visa or not in 2021.

How much does the D7 Visa cost?2022-04-14T15:18:59+00:00

Compared with the Portuguese Golden Visa, the D7 Visa is dirt cheap. Whereas the Golden Visa has a minimum investment requirement of €280,000, and typically €350,000, both excluding significant transfer duties and ancillary costs, the D7 does not have an investment requirement at all.

And while your Golden Visa services fees can be as high as €30,000 for a married couple and more for a family, you can expect to pay as little as €2,500 in professional service fees for your D7 Visa application as a single applicant or per married couple.

In addition, while the governmental application and processing fees for the D7 Visa does vary depending on where you’re applying from, you can expect the total cost per person for this component to come in at around €250 per person.

The visa application fee at your consulate should cost around €100, while the fee associated with your SEF appointment and residency card issuance in Viana do Castelo, in March 2022, was set at €156 for a single applicant.

Contact us now to find out more.

 

 

Does Portugal Have A Non Lucrative Visa?2021-01-09T15:31:41+00:00

Yes, the Portuguese non-lucrative residency visa is formally known as the D7 Passive Income Visa. While the residency visa requires applicants to spend a minimum of 6 consecutive months per year in Portugal (similar to the Spanish Non Lucrative Visa), it can lead to citizenship after only 5 years, whereas Spanish citizenship can typically only be obtained by non-EEA nationals after a period of 10+ years. In addition, the D7 Visa Program features some of the least onerous financial requirements of any EU residency visa currently available. Find out more here, or contact us now for more information.

Do I need to buy a property to apply for the D7 Visa?2020-10-28T06:47:11+00:00

You are not required a property in Portugal to apply for a D7 residency visa, however you will be required to submit proof of accommodation in Portugal. A rental agreement should typically suffice.

Should you wish to buy a home in Portugal, there are no minimum purchase price requirements, however it is expect that whatever property you rent in Portugal will be “fit for purpose”. In other words, you cannot rent a studio apartment in order to house a family of 5 people.

How long does it take to get a D7 Visa?2020-10-28T06:44:32+00:00

The application process for the D7 residency visa can be completed in as little as 3 to 4 months, however given the impact of Covid-19 lockdowns and international travel restrictions, you should expect the process to take approximately 6 months to complete.

Can Hong Kong nationals apply for the D7 Visa?2020-10-28T06:42:55+00:00

As of late 2020, Hong Kong citizens can apply for the D7 Visa, provided they can meet the minimum passive income requirements.

Can Americans apply for the D7 Visa?2021-05-10T12:20:35+00:00

USA citizens can apply for the D7 Visa, provided that they can meet the program’s requirements, and the passive income requirement, in particular.

Is the D7 Visa only open to retirees?2020-10-28T06:25:51+00:00

No. Provided that you can meet the minimum passive income requirements of the D7 program, and that your source of passive income can be reasonably expected to remain stable over time, you can apply for this Portuguese residency visa category.

What are the minimum passive income requirements for the D7 Visa?2020-10-28T06:24:24+00:00

In order to be eligible to apply, you need to earn at least €635 per month as an individual (€7,620 per year). As a married couple, your combined passive income should be at least €952.5 per month (€11,430 per year), so an additional €317.50 per month for your spouse).

For every dependent child being applied for, the minimum monthly passive income requirement increases by €190.50 (€2,286 per year) which is around 30% of the minimum national wage in Portugal.

What age do I need to be to apply for the D7 Visa?2021-05-10T12:20:55+00:00

In order to apply for the D7 Visa, you have to be at least 18 years of age at the time of application. As of November 2020, no formal guidelines have been provided in terms of the maximum acceptable age limit, however the program is exceedingly popular among wealthy retirees.



Who can apply for the D7 Visa?

As of 2020, the D7 Visa has been increasingly popular among Americans, Canadians, Britons (post-Brexit), Russians, Ukrainians, South Africans, Middle Easterners as well as citizens of China and Hong Kong. 

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While the D7 is frequently referred to as the Portuguese Retirement Visa, the program is in fact open to applicants of any age, from any country – as long as they are able to meet the program’s eligibility requirements. Provided that the above criteria can be met, the program is open to non-EU applicants from across the world.

As of 2020, the program has been increasingly popular among long-term digital nomads, remote workers / telecommuters, affiliate marketers, crypto traders, online consultants, digital entrepreneurs and a host of other location independent professionals.

So if you’re looking to move to Portugal in 2022, this is the residency program for you.

Feel free to get in touch if you’d like to know whether you can apply based on your specific situation.

Key benefits of the Portugal D7 Visa Program

Enjoy visa-free travel across the entire Schengen Area for up to 90 days out of every 180 days.

Bring your entire family to move to Portugal – and your spouse can work in the country as well.

Obtain Portuguese residency for your family in as little as 4-5 months thanks to a fast, simple application process.

Enjoy access to Portugal’s acclaimed national healthcare system as a resident of the country.

Enjoy a preferential tax rate with the Portuguese Non-Habitual Residency (NHR) Program.

Enjoy access to Portugal’s National Education Service, schools, and vocational training.

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Gain the right to work and do business within Portugal as an independent professional.

After you hold Portuguese residency for 1 year, your newborn children can become Portuguese citizens.

How does the D7 Visa differ from the Golden Visa?

The D7 Visa offers foreign (non-EEA) retirees and individuals with stable passive or recurring income sources the ability to obtain Portuguese residency and eventual citizenship. And what’s more, you can apply for it without the need to make a significant investment in the country.

Often referred to as the Portuguese Retirement Visa, the D7 is actually a passive income visa comparable to the Spanish Non Lucrative Visa (“residencia temporal no lucrativa” in Spanish).

Unlike with the Portugal Golden Visa Program, proof of rented accommodation can be used to meet the domicile requirement for D7 residency.

Check out some of the key differences between the Golden Visa and the D7 Visa Programs below:

CHARACTERISTIC GOLDEN VISA D7 VISA
Minimum Investment Required €350,000+ €0
Process Timeline 9 – 12 months 3 – 4 months
Family Eligible  Yes  Yes
Path to Permanent Residency & Citizenship Yes Yes
Minimum In-Country Stay Requirement Per Year 1 Week 6 Months
Portuguese Language Proficiency Required No No
Non-Habitual Residency Program Eligibility Yes Yes
Professional Services Fees  €25,000+ From €2,495 
Recurring Income Required No Yes
Medical Insurance Required Yes Yes
Portuguese Tax Number (NIF) Required Yes Yes

General program requirements

There are effectively five primary requirements:

  1. Financial self-sufficiency: In order to gain Portuguese residency under the D7 Program, you’ll have to prove to the Portuguese immigration authorities that you will be able to accommodate and support yourself while living in Portugal, without becoming a burden onto the state.

    This financial requirement can be met by proving adequate stable, recurring income, combined with significant savings. (More on the exact financial requirements for the program below.)

  2. Proof of accommodation: While you’re not required to buy a property in Portugal, you are required to have an address; a long term rental lease (ideally for 12 months or longer), permission from a friend or family member with a property in Portugal to use their property. While long-term Airbnb bookings used to be acceptable, these are increasingly being rejected. (Be sure to confirm the exact acceptable types of accommodation with your local Portuguese consulate.)

  3. Comprehensive health insurance: The primary applicant and any dependent applicants will all have to have comprehensive EU-wide health insurance coverage. Each applicant must be covered for a minimum of €30,000.

    This medical cover must be pre-paid for 12 months, and the policy must not have any co-payments or coverage waiting periods associated with it. (In some instances, an affidavit stating that this insurance will be purchased within 90 days of arrival in Portugal may also suffice.)

  4. Minimum stay requirement: In order to keep your residency status renewable, you will be required to spend either 183+ days per year in country, or to spend a total of 8 months in the country, if you opt to split your in-country stays into shorter stints. Having said that, you should aim to spend more than 183 uninterrupted days per year in Portugal to be on the safe side – and ideally more.

    Note: There are some instances in which you may be able to spend less time in Portugal, e.g. if you have urgent work  or personal obligations outside of the country, however the above should serve as a good indication of what will typically be required in order to renew your residency permit.

  5. Clean criminal record: As with most immigration procedures, a clean criminal record is a prerequisite. Feel free to contact us for more information in the case that you do have any minor felonies

  6. Portuguese NIF (tax number): In order to apply for the D7, you’ll have to obtain a Portuguese tax number, or Número de Identificação Fiscal, in Portuguese. We can assist you in applying for your NIF remotely on the basis of you granting us power of attorney. We’ll also be able to serve as your tax representatives in Portugal until such time as you move to the country.

  7. Portuguese bank account with locally deposited funds: While this requirement is not gazetted, per se, Portuguese consulates are increasingly requiring applicants to open a Portuguese national bank account and deposit a minimum of around €7,000 in it (if you’re a single applicant – although depositing €12,000 or more is recommended). For married couples, the required deposit amount is around €10,500+).

    While all of the above requirements are not strictly articulated in law, they serve to prove demonstrable ties with the country, and a clear intention to settle there.

D7 Recurring income requirements 2021

In order to qualify for the D7 Visa, applicants must be able to prove earning sufficient passive income to support themselves in Portugal without relying on salaried income.

Sources of income that qualify towards meeting this requirement include stable rental income from movable or immovable assets, monthly pension payouts, royalties and dividends. (Dividends can qualify, provided that you are not actively involved in the running of the company from which these payments are received.)

There is no stated minimum personal net worth requirement for the program. However, the Portuguese immigration authorities enjoy a large amount of discretion in terms of D7 Visa approvals. Consequently, you may be required to submit proof of significant available savings, in addition to the passive income requirement.

The minimum passive income thresholds for the program are discussed in more detail below. As of 1 January 2022, the minimum required amount is going up to €705 per month (€8,460 per year).

  It is, however, highly advisable to treat this as the absolute minimum requirement. The higher your passive or recurring income earnings, the more likely the chances that your visa will be approved.

As of May 2021, the minimum stable, recurring income requirements for the D7 program are as follows:

MINIMUM RECURRING INCOME REQUIREMENT (2022) PER MONTH PER  YEAR PER 2 YEARS (MINIMUM AMOUNT FOR SAVINGS BASED APPLICATION)
Individual €705 €8,460 €16,920
Married Couple €1,057.50 €12,690 €25,380
Per Additional Adult Dependent €211.50 €2,538 €5,076
Per Additional Minor Dependent €211.50 €2,538 €5,076
Per Family of 4 (2 minor children) €1,480.50 €17,766 €35,532

CAN I APPLY ON THE BASIS OF SAVINGS ONLY?

The Portuguese immigration authorities may, at their sole discretion, approve your application based on accessible savings. In such instances, you will be expected to have a minimum of €23,940 in savings as a couple.

That’s €8,460 x 2 (€16,920) for the primary applicant, and an additional €8,460 for your spouse, to cover your living expenses and accommodation for the 2-year period for which the initial residency permit is authorised.

For every additional dependent, you’ll have to show €5,076 (30% of the minimum wage for 2022 x 24 months).

The visa application process

Step 1: Booking of consular appointment

Step 2: Compilation of application file with your case manager

Step 3: Attend consular appointment

Step 4: Submit full visa application and receive notification of your application outcome within approximately 60 days.

Step 5: Receive your temporary visa (valid for 4 months).

Step 6: Travel to Portugal to attend your SEF interview and obtain your Portuguese temporary residency permit (now generally issued with a 2-year validity).

Step 7: Renew your temporary residency permit every 2 years, and apply for permanent residency after 5 years.

What documents are required

As of November 2021, you’ll require the following documents to apply for the D7 Visa…

  • Documentary evidence of having predictable, regular passive income as outlined above.

  • Documentary evidence of the means to support yourself and any dependents while living in Portugal. (An example of this could be a Portuguese bank statement showing a stable balance of at least of at least €12,000 or more for a single applicant.)

  • Documentary proof of having accommodation in Portugal. (A property title deed, rental agreement or property loan agreement can be submitted to meet this criterion.)

  • Your passport, valid for at least 6 months beyond the expiry date of your D7 Visa.

  • Two recent passport size colour photos

  • A formal declaration outlining your motivations for seeking Portuguese residency

  • A comprehensive health insurance policy to the value of at least €30,000 per family member. These policies are generally pre-payable up front for a period of 12 months. However, you also have the option of submitting an affidavit stating that this insurance will be purchased in Portugal within 90 days of your arrival.

  • A clean criminal record certificate or apostilled police clearance letter.

What are the minimum stay requirements for the D7 Visa?

Time Period Minimum Stay Requirement Renewable At Subsequent Residency Renewal Period
Year 1 and Year 2 6 consecutive months, or 8 non-consecutive months per year. The end of year 2 3 years
Years 3 to 5 6 consecutive months, or 8 non-consecutive months per year. The end of year 5 Another 3-year residency, permanent residency, or citizenship.

What should my D7 motivational  cover letter say and look like?

The following is an example of a D7 Visa cover letter that resulted in the applicant, whom we assisted, receiving their D7 Visa in 2021. Feel free to copy this and customize it to speak to your personal situation:

Re: My motivations for seeking Portuguese residency:

Dear Sir / Madam

Please see below a summary of my personal, professional and financial situation, along with my motivations for seeking Portuguese residency:

PERSONAL SITUATION

I am a 43 year old South African professional marketer living with my wife of 5 years in Johannesburg. We are getting married on 7 April 2022, and she’ll be applying for Portuguese residency through family reunification once I have my residency permit. (My wife works fully remotely as the marketing manager for an international immigration firm, and is 41 years old.)

I hold an honors degree in politics, having majored in Journalism and Media Studies, and Politics and International Studies, from Rhodes University (2000). 

EMPLOYMENT

I am employed full-time by Company Name, an international digital publication specializing in financial literacy and educating our audience on topics such as second residency and citizenship programs (by ancestry, investment, etc.) 

The company is a fully remote organisation, with several staff members living in Spain. Our CEO visits Lisbon frequently, yet is fully nomadic.

SALARIED INCOME – REMOTE WORK (FULL-TIME): 

Insert relevant figures and source(s).

ADDITIONAL INCOME: PASSIVE SOURCES (IF applicable)

Insert relevant figures and source(s).

CASH SAVINGS

Insert relevant figures and source(s).

Please see my attached income addendum and offshore bank statements for more details. 

WHY I SEEK RESIDENCY IN PORTUGAL

To date, I have visited Portugal on at least 5 occasions, and absolutely fell in love with the country, its food and its people. During two of these trips, I was accompanied by my then fiancee, who equally loved Porto, Lisbon and exploring the Algarve region. 

We’re getting married on 7 April 2022, and wish to start spending around 7 to 9 months per year in Portugal thereafter. I have sold my second apartment in Johannesburg and am keen to buy a property in Portugal (either in Braga, or Lisbon – Sao Vicente, Cascais, Mem Martins, Almada or Setubal) for us to live in. 

Seeing as we’ve not visited Braga yet, but it looks amazing, we’ve decided to rent there for the first year so we can investigate the lifestyle and property market properly. (We like the idea of living in a smaller city, hence choosing Braga.)

Being based in Portugal means that I can:

  1. Spend more time working with my team at work, in person, in Portugal and Spain (our management team and center of operations may move to Madrid in 2022).

  2. See my parents, my sister and my niece, who all live in Canada, more than once per year, as the flight time from Johannesburg to Edmonton is around 36 hours, which is neither practical nor sustainable.

  3. Be closer to my passive income clients and business associates Malta, Hungary, Italy, Switzerland and Dubai.

  4. Spend more time, more conveniently, with some of our closest friends and family members, who live in the UK (4 university friends and my favourite cousin and his wife) and the Netherlands (my best friend and his wife and daughter, and my eldest cousin).

  5. Invest in European property in the form of a primary home in Portugal.

  6. Obtain Portuguese citizenship and settle there permanently.

D7 CHECKLIST:

Apostilled police clearance certificate

Motivational letter

Valid passport

Passport photos

Sufficient savings 

Remote salary

Passive income 

6 Months’ bank account statements

Portuguese NIF

Portuguese bank account with €15,000 deposit ()

12 Month property rental contract (in Braga)

Official rental contract registration document.

Medical / Health Insurance Policy (Company Name)

Booked plane ticket to Portugal (preliminary booking)

Local proof of address.

IN SUMMARY

I look forward to becoming a Portuguese resident, and eventually a citizen, and becoming a contributing member to Portuguese society. While I speak a fair amount of Spanish already, I presently don’t speak any Portuguese.

I am looking forward to studying the language and becoming more proficient through an immersive living experience in Portugal, and building a new life in this exciting, dynamic and safe country.

Yours Sincerely,

Mobile/Whatsapp:

Email: 

Passport: 

ADDITIONAL NOTES AND TIPS FOR WRITING A WINNING D7 VISA MOTIVATIONAL  LETTER.

  • You are trying to convince the Portuguese immigration authorities that you are serious about settling in Portugal on a permanent basis, and that you’re NOT trying to abuse the program by treating it as a “Plan B” or “paper residency”. Therefore, it pays to be as specific as possible about your plans.

  • While you don’t need to buy a house in Portugal to get the D7 Visa and the temporary residency permit, buying a house can certainly not hurt, as it is indicative of someone who is serious about relocating to the country.

  • Focus on the aspects of your situation that point to your intentions of settling in Portugal. If you plan to keep your primary home in your home country, that’s fine – though you don’t need to mention this, as it could be construed to mean that you’re not serious about relocating.

  • If you’ve got friends or family in Portugal, make mention of this in the letter.

  • While the program’s minimum income and in-country funds requirements are relatively low, being able to show more income, and more savings in a Portuguese bank account, will stand you in good stead. Don’t just “do the minimum.” For example, the authorities require you to have around €7,000 – €8,000 in savings in a Portuguese account. Having €12,000 – €15,000, instead, can certainly not hurt your chances of success.

 

Why choose to work with us?

✓ A track record of success – more than 600 successful applications to date.

✓ A local team of seasoned Portuguese immigration  experts.

✓ Highly competitive pricing – enquire now to put us to the test.

✓ Local industry leader – over 20 years’ experience.

✓ Services include application management, Portuguese bank account opening, tax numbers (NIF), obtaining proof of accommodation and a range of expat lifestyle management services.

✓ A deep understanding of application challenges – and how to overcome them.

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