Living on its own means · Spain

residence permit without working right in Spain (no lucrativa): funds, insurance and documents

Residencia no lucrativa is given to those who live in Spain for their own money and do not work. We check whether IPREM has enough money, whether insurance is appropriate, and prepare a deposit through the consulate.

Short

Basis: Articles 60 to 64 of the Convention
residencia temporal no lucrativa, Real Decreto 1155/2024
Work: Not permitted
employment or self-employment
Funds: 40% IPREM per month per applicant
plus 100% IPREM for each family member, for the duration of the permit
Delivery: Through the consulate
in the country of residence, model duty 790
Duration: 1 year, then 2 years extension
Extensions are filed 2 months before the end
Insurance: Mandatory requirement
Seguro de enfermed, checked separately from money

Who's right and who's not.

The most important thing is the amount of savings that comes from where the money comes from and what you do to get it (art. 61 Reglamento).

It fits.

Pensioner or person with savings for the duration of the authorization
Owner of assets whose income comes from property, not from your current work
A family that is ready to live in Spain for more than six months a year.
Anyone who does not plan to work in Spain either for employment or self-employment

Not appropriate.

You continue to work for a foreign employer or customers: for this purpose Digital Travellers ’ residence
You want to work or start a business in Spain: working residence
There's money, but the source is impossible to explain by document.
You plan to live in Spain less than six months a year: extension is not allowed

The comparison with the nomad's residence was discussed in the article. No. lucrativa or Digital Nomad.

Requirements and what they mean in practice

The conditions are set out in articles 38, 61 and 62 of the Regulation, which are described below as the requirement and the way it is verified.

Requirement	What does that mean in practice
Funds: 400 per cent IPREM per month per applicant and 100 per cent per family member	The first year is a 12-month amount, the base is IPREM, not the minimum wage, so the calculators for Digital Nomad are not right here.
Source of funds: accumulated or regular income	Any admissible proof will be appropriate: statements, property documents, regular receipts. For foreign accounts, you need the name and address of the bank, full details of the accounts, opening dates, balances as at 31 December last year and the average balance for the last year.
Shares or shares in the company	I need a company certificate and a statement that you don't work in it.
Health insurance (seguro de enfermed)	The consular office checks its list, so the policy is purchased after the conditions are checked.
No criminal record	The certificates from the countries where you have lived for the past five years and the Spanish audit, which the Spanish authorities themselves are doing, are required to apostille and translate by consulate.
Medical certificate	Confirms the absence of diseases with serious public health consequences under the International Health Regulations 2005 (art. 38)
Passport	Not less than one year in effect at the time of application of the visa
Sent.	Model 790 is paid separately for the consular visa fee.

The calculation of the funds is as follows: take the current IPREM at the date of submission, multiply by 4 for the applicant, add 1 per family member and multiply by the number of months of the permit. The IPREM value should be taken from the official source on the date of submission: the figure from the old article is misleading. How to prepare evidence of the means and no lucrativa for pensioners and passive income recipients.

Family

A spouse or registered partner, stable partner, minor children and adult children with disabilities who need support may be registered with the complainant (art. 61.3). A stable partner is considered a couple with a year of living together and, in the case of children with children, there is sufficient stability. 100 per cent of the family member is added per month. They check that they're studying. No lucrativa with family.

Method of step application

The grounds. We're looking for money, what you do and how long you're going to live in Spain, if you have a job, if you're looking for another foundation.
The funds. We're counting the amount of IPREM at the date of submission and the time of authorization, and we're collecting a table of accounts and sources.
I.D. and insurance. We're going to check your consulate's list, order background checks, apostilles, translations and medical certificates, check the policy against the criteria.
Visa application. The application for a visa is also a request for authorization (art. 63) and is submitted to the consulate at the place of residence, according to the rules of the consulate. Consulates of Spain and in Step by step submission review.
Decision and visa. The consulate refers the case to the consular office, which decides on the resolution. After a favourable decision, the consulate issues a visa.
Entry and TIE. After you enter within a month, you personally put on the TIE map, and the extension calendar begins.

Documents

The exact list depends on consulates, countries and family composition.

Application for official form and passport for a period of at least one year
Confirmation of funds: statements, property documents, stock certificates and company statement of absence
Health insurance
Certificate of non-conviction for the last five years, apostille or legalization and translation by consulate (on: Russian and Apostille certificates (there is a separate article)
Medical certificate
Family documents for family members who are coming with you
Confirmation of payment of duty on Model 790 and Consular Collection

Jury transfers stand apart and depend on the volume: from which the price is addedDo not download the documents on the website: when we start work, let's say what and where to e-mail.

Time frame

Phase	Time limit for the regulation
Decision on authorization	One month from receipt of a report from the consulate, the silence of the agency means no
Visa issuance	Up to one month after the positive decision
TIE map after entry	One month, personally.
First authorization	One year
Extension: delivery window	Two months before the end, a request filed within three months after the end also extends the validity, but a punitive process is possible.
Decision on extension	Three months, silence means approval.
Extension	Two years if no long-term residence is required

The list of consular entries and the actual time of review depends on the consulate, and we are not responsible for them. The period of time, funds and residence and When to serve.

Extension: What they're checking again

The extension is based on new funding, insurance (which must be extended over the entire period), schooling, fees and real residence: over 183 days in the calendar year, which is subject to migration regulations and does not coincide with tax residence, although the same number is true. long departures and extensions.

Typical Errors

Pay under the guise of passive income. The remuneration for current work and income from assets are valued differently, and the renaming does not change the substance.
The minimum wage. For no lucrativ, the IPREM base is not SMI.
The bill is unexplained. We need a owner, a source, access to money and the period they're available for, and the balance sheet doesn't answer all the questions.
The policy was purchased before the claims were checked. The coatings, supplements and waiting periods are subject to the criteria of the consulate. Health insurance for residence permitsWe don't sell insurance, and we don't recommend it.
Transfers before the list. Part of the certificate is not required or will become obsolete by the date of the entry.
Work in Spain. Working without a permit is considered a violation of the Aliens Act.

If the consulate has refused, we'll discuss the procedure in the article. Refusal no lucrativa: reasons and appeal.

How we work and what is paid separately

First consultation: 30 minutes free. Full individual consultation: 121 I in 45 minutes. Next we count the value individually and draw up the estimates you sign before you start work. Prepaid: 50% before you start work and 50% before you file. State fees and transfers are paid separately. We are in charge before the agency decides. Request corrections and re-suit are included in the cost, appeal. We don't promise approval or be responsible for the timing of the responses of the agencies: the decision is made by the public authority.

We're preparing and checking the documents, we're preparing the responses to the agency's requests with you, and we're applying for a visa in the consulate by its rules, usually in person: we're preparing the package and accompanying you. We're a relocate centre, not a law firm: the contract and the budget are being processed by the company.

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Frequent issues

Can you work remotely with a residence permit without work?

No, this residence is issued without work or professional activity, and the foreign payer does not make the remote work permissible. What is prohibited in no lucrativa.

How much money do you need to show?

40% of IPREM per month per applicant and 100% per family member multiplied by the number of months of authorization. The IPREM value is taken from the official source on the date of submission. On 3 October 2026 according to SEPE IPREM, the amount is 600 a month, i.e. 2,400 a month per applicant and 600 a family member; before submitting the amount, count the amount.

Do you need health insurance and what kind?

Yes, seguro de enfermedad is a requirement, and what policy is your consulate's terms, we check before we buy them, we don't sell insurance.

Can you serve it while you're in Spain?

The initial application no lucrativa is through the consulate: the visa application includes a permit application. There are some cases of internal status change, for example under article 191 of Reglamento, and we check them for your situation.

Is no lucrativa appropriate if there are only savings?

The regulations allow for either sufficient funds for the duration of the period or regular income, and the availability of money, its origin and understandable documents are important.

How many days a year do you have to live in Spain?

The real residence is checked for more than 183 days in the calendar year, which is a condition of migration rules, and it is separate from tax residence.

Can we then start working or move on to another base?

No lucrativa does not allow work in itself. The change to a residence with the right of work is possible under the rules of article 191 when the requirements of the new basis are fulfilled. Under the FAQ of the UGE agency, remote work during no lucrativa cannot be counted as an experience for the residence of a teleworker. change of residence in Spain.

How much is your escort?

Cost is considered individually on the basis of estimates, the first 30 minutes of consultations are free of charge, and the fees and translations are paid separately. questions and replies.

Take a look at the details.

Sources

The consolidated text of BOE is referenced and does not replace the individual advice of a lawyer or tax and administrative specialist (gradoada social).

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