Passive residence (residence without gainful activity) (Residència sense activitat lucrativa (residència passiva))
Changes or availability under review — Threshold raised €600k→€1m and €50k deposit made non-refundable by Law 2/2026 (Feb 2026)
Passive residence (residence without gainful activity) is a residence route in Andorra (投資者 / 黃金簽證). Law 2/2026 (from 13 Feb 2026): €1m in Andorran assets (property >€800k each, shares, Andorran debt/funds ≤36 mo, life insurance, AFA deposit) or €400k into Housing Fund; plus non-refundable €50k to AFA (+€12k/dependant); income ≥300% min wage (+100%/dependant); health insurance; 90 days/yr.
Residence by investment: compare routes and obligations →Requirements at a glance
The minimum qualifying investment is about CHF 376'000. You need an annual income of about CHF 45'000. You must spend about 90 days a year in the country to keep it. Spouse and children can usually be included. Permanent residence: after 20 years. Citizenship can be possible after about 20 years.
How holders are taxed
IRPF max 10% (first €24k exempt) if tax resident (183 days/centre of interests); no wealth/inheritance tax
Next steps
Check the official page for the current rules and fees, compare this route with the other programmes on the interactive map, and talk to a licensed immigration lawyer or authorised agent before applying.
| 類別 | 投資者 / 黃金簽證 |
|---|---|
| 投資 | CHF 376'000 |
| 費用（家庭） | CHF 69'600 |
| 收入 / 年 | CHF 45'000 |
| 資產 | — |
| 最低居住 | 90 |
| 永居 | 20 |
| 入籍 | 20 |
| 工作 | no |
| 申請資格 | all |
| 稅收 | IRPF max 10% (first €24k exempt) if tax resident (183 days/centre of interests); no wealth/inheritance tax |
| 截至 | 2026-10 |
General information only — not tax, legal, immigration, investment or financial advice, and no client relationship. Figures are simplified, indicative and may be out of date. Always verify with the official authority and a licensed professional in the country concerned before acting. Partner links, if any, are marked and may earn us a fee.