Securing EU residency through the Greece Investment Visa has become one of the most strategic moves for global investors seeking stability, mobility, and long-term security. While the program opens the door to Schengen travel, lifestyle upgrades, and asset growth, it does require thoughtful financial planning—especially if you choose to invest in qualifying developments like Keranis Residences.
Understanding your funding options is essential, whether you’re leveraging personal capital, exploring financing solutions, or combining multiple sources to meet the investment threshold. This guide breaks down the most practical financing paths, outlines realistic funding scenarios, and walks you through the steps to obtain the Greek Golden Visa through this specific real estate opportunity. It’s designed to help you make informed decisions and structure your investment in a way that aligns with your financial goals and residency plans.
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Understanding the Greece Investment Visa
Understanding what the Golden Visa is before diving into the process is important. This is because it clarifies the eligibility criteria. Additionally, it can guide you in financial planning besides choosing the investment pathway.
In a nutshell, the Greek Golden Visa is a residency-by-investment program for you as a non-EU citizen. It’s designed to attract foreign direct investment into the country. The best part is you get a five-year, renewable residence permit.
With the greece investment visa, you can include your family members in the same application. Upon attaining it, you can travel visa-free throughout the Schengen Zone.
Why Keranis residences are an ideal option
Despite having several options—such as making a capital contribution to a Greek business—Keranis Residences stand out due to their strong investment profile, strategic location, and long-term value potential. Here is why it is so.
Standout features
- Location in a high-demand residential zone.
- Modern housing designs with spacious layouts.
- Properties suitable for both self-use and long-term investment strategy.
- Strong potential for rental income.
Financing Options for the Greece Investment Visa
It’d be best to determine your funding source before you start the process. This can help you prevent setbacks coming from financial constraints. Some of the options you have include, but aren’t limited to:
Self-funding
Arguably the simplest, this is the most common approach you can take. It entails funding yourself from your savings. It’s suitable if you have liquid savings and want a straightforward approval process. With it, you get:
- Full control over your capital
- No loan restrictions
- Fast processing
International bank loans
Some non-Greek banks may offer you credit lines for global real estate acquisition. However, this option comes with some key considerations. For instance, the loans must come from outside the country. You must also demonstrate income stability. On the upside, it can help you preserve your cash reserves.
Home country mortgage
Alternatively, you can access equity from your local assets. This entails transferring funds internationally for the Keranis Residences purchase.
While doing so, you will be maintaining compliance since the loans aren’t from a Greek institution. The benefits include:
- Low interest rates, depending on your country.
- Conversion of your dormant property equity into residency investment capital.
Business funds
Suppose you have a registered corporate account or business savings, you can use it to fund this process. All you need is clear documentation showing legal ownership of the funds and a transparent transfer trail.
Additionally, the funds must pass anti-money laundering regulations. This should be your go-to option if you have expansion plans in Greece.
Co-investment with family members
You can also partner with a family member to get the qualifying property. It’s the best option for a multi-generation family investing together, or if you’re seeking a relocation destination as a family.
Step-by-Step Process to Finance and Secure Your Greece Investment Visa
Following a well-laid-out procedure is important. This is because it helps you determine how much you can invest without overextending. It also helps you choose the most favorable financing method.
Besides, it helps you avoid common mistakes you can commit along the process. Therefore, for a smooth Greece Golden Visa application, follow the steps below.
Step 1: Identify the amount you’re willing to invest
Start by determining the amount you need for the investment opportunity. This will depend on:
- The amount of capital you’re ready to allocate.
- Your comfort with financing or leveraging debt.
- Your long-term residency objectives.
- How you intend to use the property—personal stay, rental, or both.
Step 2: Evaluate the Keranis Residences options
This entails working with professionals like Mercan to choose a unit that matches the Golden Visa criteria. This includes:
- Meeting the minimum requirement: Your property must have a minimum value of €250,000.
- Clear title: The property you choose to invest in must have a clean legal title that is free of disputes.
- Standard: Your investment property must be a long-lasting building in the form of apartments or commercial real estate.
- Ownership: The property you choose must be registered with relevant bodies like the Hellenic Cadastre. This confirms ownership and value.
Step 3: Arrange financing documents
This will depend on your chosen financing route. All in all, ensure you have the bank statements and proof of income in place. You can also have proof of business ownership or loan approval, if that’s your source.
Additionally, show capital transfer readiness.
Step 4: Transfer funds to Greece
With everything in order, you can initiate the funds transfer from a non-Greek bank to maintain eligibility.
While at it, ensure that your transaction records are transparent. They should also be compliant with the capital transfer laws. Your documentation should also be proper.
Step 5: Finalize property purchase
You can proceed to finalize the purchase. It’d be best to work with a Greek lawyer for this process. They will help you with conducting due diligence. When done, they will register the property.
Besides, they can help you confirm full qualification under the Greek Golden Visa rules. For additional guidance and resources, you can also consult mercan.com.
Step 6: Submit residency application
After the registration of the property contract, your representative will file the Golden Visa application. The documents required here include:
- Passport
- Proof of property purchase
- Payment receipts
- Health insurance
- Proof of funds transfer
If all goes well, you should receive a biometric residence permit that is valid for 5 years. Your Greece investment visa will remain valid as long as you maintain the Keranis Residence investment.
FAQs
Can you finance the Greece Investment Visa using loans from a Greek bank?
No, you can’t finance the Golden Visa using a Greek bank loan. This is because the investment must be paid for with your own money. Doing so ensures you have full ownership. Obtaining a mortgage from a Greek bank will create a lien on the property.
Does Keranis Residences automatically qualify you for the Golden Visa threshold?
Yes, investing in this program automatically qualifies you for the Greek Golden Visa. This is because the project is categorized as special for industrial-to-residential conversions. Their threshold, as mentioned, is €250,000 per unit, lower than the standard property purchase in prime areas.
Can rental income from Keranis Residences help cover financing costs?
Yes. You can do so if you choose the minimum investment. This is because the project guarantees an annual return of 3% until the property is stabilized and leased. You can use the consistent income stream to cover your financing costs. Platforms like Mercan.com detail how to go about it. Read more to find out.
Relocating to Greece is one of the best things you can do. This is because of the investment opportunities in the country. Besides, you can access other EU nations. The Greek Golden Investment visa is a pathway that gives you the golden chance. Consider it today and change your life.
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