Common Mistakes to Avoid with a Non-Lucrative Visa

This article will help you avoid the common mistakes people encounter during the Non-Lucrative Visa application process.

Our hands-on experience in assisting clients with their applications has given us invaluable insights into the challenges and pitfalls that applicants face. 

Non-Lucrative Visa for Spain: Common Mistakes to Avoid!

Embarking on the journey to obtain a Spanish non-lucrative visa can be both exhilarating and daunting. This visa offers a pathway for individuals and families seeking to reside in Spain without engaging in any lucrative activities.  However, navigating the intricacies of the application process requires careful planning, attention to detail, and a thorough understanding of the requirements and potential pitfalls.

At Move to Malaga, we understand the complexities involved in securing a non-lucrative visa for residency in Spain. With our experience and expertise, we have assisted numerous individuals and families in successfully obtaining their Spanish visas.

Mistakes to Avoid with Your Non Lucrative Visa Application:

1. Proof and Origin of Income and Funds

As per requirements, applicants must demonstrate a sufficient economic level through savings or regular income to support themselves and their families.

In 2024, a minimum monthly income of 2400€ euros was necessary, with €600  required for each economically dependent family member.  

You must plan finances to ensure consistent support throughout the residency period. Adequate documentation of income sources is crucial for a successful application.

You are often asked to provide documentary proof of the origins of your savings. For instance, proof of a house sale if savings come from that or a copy of a signed tenancy agreement if showing property rental as a passive income. Documentary proof of share ownership if drawing a dividend etc.

The more documentary evidence you supply, the better!

2. Proof of Non-Working Status

If you are not receiving a pension, it is almost certain you will need to provide documentary evidence that you are not working.

  • If you were previously employed, you can submit your P45.
  • If you are taking a sabbatical/leave from your current employment, a letter from your employer will be required as evidence.
  • If you are self-employed/own your own company, you will require documents to prove you are no longer working.

The consulate almost always asks for this proof at the time of application i.e. the applicant has to prove that they have already stopped working when they submit their non-lucrative visa application.

It is a mistake to plan to give up work if you are granted a non-lucrative visa. For a successful NLV application, the consulates expect the applicant to have discontinued work by the time they apply.

Failure to provide proof of not working when submitting your application almost guarantees a rejection!

3. Out of Date or Incorrect Paperwork

Except for the passport, all the other requested documentation must be no older than three months. This includes marriage and birth certificates. Timing is key!

We recommend gathering the documents a month or two (maximum)  before your appointment. You must also take into account a week, maybe more, that it will take to get them legalised and translated. 

Remember, appointments are very short and simply involve an official checking you have supplied the right documents. If they see any documents are missing you will then need to make another appointment to bring the correct documentation.

If you require a second appointment because documents were missing, you run the risk of documents expiring and you’ll need to renew them.

Attention to detail is required. This can be a stressful and costly process!

4. Proof of Adequate Health Insurance

Securing a health insurance policy from a provider operating in Spain is essential. The policy must offer equivalent coverage to the Spanish national health system.

Ensuring that the health insurance policy covers all necessary medical expenses, including emergencies, consultations, and treatments, is vital.

Travel medical insurance and policies from the applicant’s home country are not acceptable.

5. Failure to Construct a Convincing Argument at the Embassy Interview

Maintaining coherence in family, business, and employment status is crucial to demonstrating genuine intent to reside in Spain.

Inconsistencies in family arrangements, business activities, or employment status can raise doubts about your commitment to residency requirements.

Providing comprehensive explanations and documentation to support your motives for seeking a non-lucrative residency is key to avoiding misunderstandings.

Remember, we are here to help you!

Navigating the non-lucrative residency application process can be intricate, with various potential pitfalls. Diligent preparation, thorough documentation, and clear communication are essential for a successful application journey.

At Move to Malaga, we are committed to guiding you through every step of the non-lucrative residency application journey. With our expertise and personalized approach, we will work closely with you to ensure that your application is meticulously prepared, thoroughly documented, and strategically presented. Rest assured, we are here to help you navigate through potential challenges and avoid common pitfalls. 

We will help you obtain a non-lucrative visa and achieve your dream of residing in Spain.

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