Live in Italy without working

Elective Residence Visa Italy

Are you looking to Retire in Italy and looking for Italy retirement Visa?

Discover more about the Elective Residence Visa For Italy.
A Visa program for all people able to maintain themself autonomously without working in Italy.

All You need to know about the Italian Elective Residency, also known as Retirement Visa for Italy.  

Are you eligible for the Elective Residence Visa for Italy?

Contact us now.
We will check if you qualify for the Elective Residence Visa Italy.

What is the Elective Residence Visa Italy?

How Can I come to Italy and stay there for my retirement?
Can I live in Italy without working, but thanks to my pension or my earnings from investments?

Usually, people contact us and ask for a solution to move to Italy.

” I want to move to come to Italy, but without worrying about having a business, or working, or studying, or spend a considerable amount of money investing in the Italian Golden Visa program. “

What can I do?

One way to come to Italy is “under the radar”.
But it might be your best option to come here for a long-term stay.

People love Italy.
Good food, good people, fantastic weather, high-quality education, and low criminality.
Italy does not need particular presentations. 

Now you have more reasons to think about Italy as a destination. 

The Elective Residence Visa Italy is an Italian Visa program:
The Visa lets You live in Italy or retire in Italy and live without working.

Suppose you have stables and consistent passive incomes from your home country. 
In that case, You can come to Italy and enjoy the famous Italian “Dolce Vita. “

And yes, this option may also comprehend all Your family members.

Discover all the Elective Residence Visa Italy requirements.
And why this may be the Best Option for You.
Everything You have to know before applying for Elective Residence Visa Italy, with Frequently Asked Questions.

What is the Elective Residence Visa Italy program?

The Elective Residence Visa for Italy is a special Italian long-term Visa.
It allows you to live here without working.
You need to have relevant incomes different than a salary.
The typical example is having a pension, as retired.

Why Do I Have to Choose the Elective Residence Visa for Italy?

The Elective Residence Visa Italy (Residenza elettiva in the Italian language) is a 1-year visa that allows you to enter Italy for a long-term visit.
It can be renewed for 2 years.

It applies to foreigners who intend to relocate to Italy.
And if they can do so by financially supporting themselves autonomously.
In other words: without working.

With an Elective Residence Visa in Italy, You can come to Italy with your family.
Without working but only enjoy life, with full coverage of all social services offered.

It is the best option for relocating to Italy if You have a stable passive income. 

This point is crucial, and often there are denials because of this requirement.
Indeed, applying for an Elective Residence Visa is not an easy game.

The Italian Consulates tend to be severe when evaluating the required document.
And so if you have all the requirements for an Elective Residence Visa.

And that’s also interesting to have a look at the reasons why the Italian Consulates reject the Elective Residence Visa application.

According to general statements on Italian Consulates: 

The Italian Elective Residence Visa is for foreigners – retired persons, persons with high self-sustaining incomes and financial assets like HNWIs – who have chosen Italy as the Country of permanent residence [or long-term relocation, we add] and who can support themselves autonomously, without having to rely on employment while in Italy, whether as dependent employees, as self-employed employees or employees working remotely online. You cannot finance your residence in Italy through any work.


Summary Of Retire to Italy : Key Points

Retiring in Italy can be an attractive option due to its rich culture, beautiful landscapes, excellent cuisine, and high quality of life. Here are some steps and tips to help you plan your retirement in Italy:

1. Determine Your Eligibility and Visa Requirements

Visa Options:

  • Elective Residence Visa: This is the most common visa for retirees. It is intended for individuals who can demonstrate sufficient financial means to support themselves without working in Italy.
  • Long-Term Stay Visa: If you have significant financial resources, this visa allows you to stay in Italy for more than 90 days.

2. Financial Preparation

  • Proof of Income: You need to show proof of sufficient income to support yourself. This can come from pensions, savings, investments, or other sources. The required amount varies but is generally around €31,000 per year for individuals and €38,000 for couples.
  • Healthcare Costs: Consider the cost of healthcare. While Italy has an excellent public healthcare system, you may want private health insurance for extra coverage.

3. Find a Place to Live

Popular Retirement Destinations:

  • Tuscany: Known for its beautiful countryside and historic towns.
  • Umbria: Offers a similar experience to Tuscany but is less expensive.
  • Liguria: Features picturesque coastal towns.
  • Sicily and Sardinia: Known for their unique cultures and beautiful coastlines.
  • Puglia: Offers charming towns and beautiful beaches at a lower cost of living.

4. Understand the Cost of Living

  • Housing: Costs vary widely. Renting an apartment in a city center is more expensive than in rural areas.
  • Daily Expenses: Groceries, dining out, and utilities are generally affordable, but it depends on the region.
  • Transportation: Public transport is efficient in cities, but rural areas may require a car.

5. Healthcare

  • Public Healthcare: Italy’s public healthcare system (Servizio Sanitario Nazionale) is highly regarded and available to residents. You need to register with the local health authority (ASL).
  • Private Health Insurance: Consider getting private insurance for additional services and shorter wait times.

6. Learn the Language

  • Language Courses: Taking Italian language courses can help you integrate better into the community and navigate daily life more easily.
    Note: for getting the Italy Retirement Visa, the Elective Residence Visa, it’s not required to speak Italian and it’s not required to pass an Italian Language test.

7. Legal and Bureaucratic Steps

  • Tax Considerations: Understand the tax implications of retiring in Italy. You may be subject to Italian taxes on your global income.
  • Register with Local Authorities: Upon arrival, you need to register with the local police (Questura) and obtain a residence permit (Permesso di Soggiorno).
  • Bank Account: Open an Italian bank account for convenience in managing your finances.

8. Cultural Integration

  • Community Involvement: Engage with local communities, join clubs, and participate in social activities to build a network and fully enjoy your retirement.
  • Travel and Explore: Take advantage of Italy’s rich cultural heritage, historical sites, and diverse regions.

Summary

Retiring in Italy involves careful planning, from securing the right visa to managing finances and integrating into Italian life. By understanding the requirements, preparing financially, and immersing yourself in the local culture, you can enjoy a fulfilling and enriching retirement in one of the world’s most beautiful countries.


What is the main requirement of the Elective Residence Visa? [Retirement Visa Italy requirements]

A typical example is retired people.
They have pensions (so certainly stable and continuous passive incomes). They aim to relocate to Italy to live and enjoy life. 
That’s why it’s also called Retirement Visa for Italy.
Italian Elective Residence Visa is a trending alternative to the new Golden Visa program designed by the Italian Government to attract Investments.

Which Benefits Will I Have from the Elective Residence Visa Italy?

  • Free Education.
    Free public education is available to children who reside in Italy [in case You are moving to Italy with Your family members]. 
  • Free Registration with National Health Care.
    An elective residence visa permit holder can register voluntarily with the Italian National Healthcare System. 
    You will have, for free, a family doctor.
    You can access all specialist tests and visits.
    You can be admitted to the hospital, pay small fees (or no fees). 
  • Permanent Residency: holders of an Italian elective residence permit can apply for the Permanent Permit of Stay (Permanent Card) for long-term residents after five years of legal stay in Italy. 
    They must have registered as residents and filed tax returns to be eligible. 
    [To become an Italian Resident, see the trending alternative Investor Visa Italy program]. 
  • Italian Citizenship: after ten years of legal and uninterrupted Residency in Italy, an individual should be eligible to apply for Italian Citizenship.
    One must have registered as a resident and filed tax returns to be eligible. 
    You can read more about the options for obtaining Italian Citizenship and Italian Dual Citizenship 
  • Tax Limitation: for Applicants with high worldwide incomes or high family Reddit for any reason, it’s possible to benefit from the Italian Flax Tax Lump Sum Regime, which allows you to pay only a fixed amount of taxes, regardless of how much income or resources you have.
    Find more on Italian Flax Tax Regime For New Residents  
  • There are no quota limits: different from other types of visas (f.e. work visas).
    There is no annual limited Visa number for applying and relocating to Italy.

The requirements of the Elective Residence Visa Italy.

What are the Requirements for an Elective Residence Visa for Italy?

Let’s see in detail what are the requirements for qualifying for the Italian Elective Residence Visa.

Passive Incomes

from 32,000€/ Year


Passive incomes, like financial resources other than employment, can be reasonably expected to be stable and continuous over time. 

For the Elective Residence Visa Italy, you have to demonstrate to have “passive incomes,” so amounts of money you received without doing anything actively.
Commons examples are dividends, pensions, royalties, rents, stable incomes from a long-term investment, etc. 

It is the main requirement as You have to demonstrate you’ll never be a public charge.

So when we refer to “passive incomes,” it means that You have to show stable and continuous passive incomes.

It doesn’t matter how much savings You have in your bank account or own a big company to earn millions. 
These are “active incomes,” so you earn because of active work. 

Italian Home

No Minimum Value


You must provide evidence that you have a place to stay in Italy for long-term permanency.


Accommodation requirements vary case-by-case, depending on how many applicants and family members will move to Italy into that accommodation.

Health care Insurance

€ 60,000 coverage


Elective Resident Visa applicants must prove that they have their private insurance before entering Italy.

Italy has a universal healthcare system that covers Italian residents. 

So, until you are a resident, you need personal coverage. Almost € 60,000 full coverage

Is booking a hotel room an accepted requirement for the Elective Residence Visa?

No.
You need a registered lease agreement.
Italian Consulates don’t accept hotels bookings, Airbnb, or similar.
Your lease agreement must be done promptly according to the legislation. That’s why it’s also important to hire qualified Immigration Attorneys.

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Check with us if you can qualify for an Elective Residence Visa for Italy!

How to apply for the Italian Elective Residence Visa?

We can divide the application for an Elective Residence Visa for Italy into main 3 phases.

The application process is one – formally there are no phases.
We divide it into three different stages to quickly understand the entire process.

Here we have the main three steps for the process of applying (and getting) an Elective Residence Visa.

1

The Eligibility Phase

Before starting the entire with the Elective Residence Visa procedure, it’s imperative to check the potential eligibility with the Client. 

2

Preparation Phase

Before the Consular interview, you have to prepare all your and your family member’s paperwork.

3

Post Approval Phase

The Italian Consulate approved your application, and now You have Your Elective Residence Visa. 
So, what now? What to do? 

 

The Eligibility Phase

Before starting the entire with the Elective Residence Visa procedure, it’s imperative to check the potential eligibility with the Client. 

It is an important step we take with our clients, as it’s mandatory to lower the chance of a rejection of the Visa from the Italian Consulate.

Each case it’s different – and each person has a different financial situation, which’s not always in line with the Elective Residence Visa for Italy

So it’s impossible to have some standardized parameters. 
We processed all applications on a case-by-case basis, and we will offer the Client tailored and dedicated assistance.

As you can see, official statistics clearly show how high is the average denial rate of the Elective Residency Visa from the Italia Consulates.

elective-residence-visa-italy-approvals-denials-rate

So it’s essential not only to avoid self-applications but to be assisted by qualified Italian Immigration Lawyers like us. 

Preparation Phase. The required documents for the Elective Residence Visa

Once each document is correctly collected, translated, and legalized, you can submit Your application at the local Italian Consulate. Let’s see the Italy elective residence visa application process.

Before the Consular interview, you must prepare all your and your family members’ paperwork.

That’s is a necessary [and strictly personal] step of the Elective Residence Visa for Italy.


Do I need original documents for applying for the Elective Residence Visa?

Yes.
You need to bring all original documents to your interview at the Italian Consulate.
You can avoid bringing originals only for simple documents, like Bank statements, tax returns, and so on.

 

What Documents Do I Need For The Elective Residence Visa?

So let’s look at the required documents to apply for an Elective Residence Visa for Italy. 

Disclaimer: the list below is not complete.
Each Italian Consulate may require additional documents.
Each client will receive tailored assistance from us, accordingly.

Before Anything.
Proving You Live Under The Italian Consulate Jurisdiction.

Before anything else, you have to be sure you’re applying in the right place, so the right Italian Consulate.

This may sound like a useless tip, but that’s not. 
You have to apply at the Italian Consulate in the district where you are legally resident.

The Italian Consulate will accept your application for an Elective Residence Visa only if you live under the Consular jurisdiction.

We often received inquiries like, “Can I apply at the Italian Consulate in XXX if I’m traveling for tourism in YYY?”  “I live in Los Angeles but have a second house in NYC. Can I apply in NY?”
The answer is No.

The Italian Consulate will certainly ask you “Prove me that we are competent for this application. ” 

So You may have to show you legally and effectively live in that place. 
You may prove this with utility bills, driver’s license, or any other document that proves you live in that place daily (or most of the time).


The Elective Residence Visa Italy Application Form.

Below is an example of the template, the Italian Consulate uses for the Visa D Type.
That’s an example for the Italian elective residence Visa Application form.

Elective Residence Visa Italy [2024 FULL GUIDE] 1

Of course, for applying [and that’s valid for all Italian Visas] the documents must be collected as attachments to the Application Form. 

Still, the Elective Residence Visa Application Form is a standardized form for all Italian Consulates. 

The Elective Residence Visa Application Form is for an individual application: this means that each over18 applicants will have to fill up their Form. 

The Form must be signed before the Consular Officer, not before.


Passport + Other IDs + 2 Recent Passport-Size Photos.

The Elective Residence Visa is only the first step for aiming to obtain the Italian Passport.

You will have to bring Your Passport. 

In case You are a legal resident in the Country but not a Citizen of that Country, You will also need to bring the ID/Residence Permit. 

For example: if you are a Chinese citizen living in the US with a Greencard, You will have to bring Your Chinese Passport with your U.S. GreenCard. 

Passport must have almost two blank pages (for the Elective Residence Visa stamp) and must have nearly three months validity.

We highly suggest almost six months.


Documents Related To Your Passive Incomes

Here, there is a big part of documents for proving You have enough stable and continuous passive income to be eligible for an Elective Residence Visa For Italy.

You need to show a documented and detailed guarantee of substantial and steady economic resources.
A typical example of relevant documents is banking institutions’ letters stating currently available funds. 

You have to be as detailed as possible, so you need to show: type of account, account balance, and monthly earnings.
Or documents from other sources that will provide you with additional financial revenues. 
These may include Social Security pensions or other types of pension, property ownership and lease agreements, business ownership, dividends, and related documentation.

Then, to demonstrate the continuity of these amounts, you must show solid bank account/s and a set monthly income.

For example, as the minimum income to prove is 32,000€/year, a single applicant must have a monthly payment of around € 2,676 from passive income.

You need to provide documentation that demonstrates additional sources of financial revenue, such as Social Security pension, other types of pension, property ownership and lease agreements, business ownership, dividends, and related documents. Additionally, you must show solid bank account/s and a set monthly income to prove the continuity of these amounts. For example, a single applicant must have a monthly payment of around €2,676 to meet the minimum income requirement of €32,000/year. It is important to secure accommodation in Italy before submitting your application, as hotel bookings and third parties’ hospitality are unacceptable.


Proof of financial means to support yourself and your family during your stay in Italy.
Valid passport with at least six months of validity beyond your planned stay in Italy.
Medical insurance coverage that is valid in Italy.
A detailed explanation of your reasons for choosing Italy as your elective residence.
Background check certificates from your home country or countries where you have resided in the past ten years.
The Key Points of the application for the Italian Elective Residence Visa –
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Documents Related To Your Italian Accommodation

You need to secure accommodation in Italy before Your application. 

Pay attention: hotel bookings and third parties’ hospitality are unacceptable too

It has no relevance if You want to stay in a Hotel/Airbnb or similar because you need to search for a house and make it in advance. 


Motivation Letter + One-Way Ticket

You must also explain your long-term goal of moving to Italy. 
Remember, the Elective Residence Visa For Italy is not for short-term purposes.

We also recommend the One-way travel ticket reservation (mandatory for some Italian Consulates).

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Post-Approval Phase. After You get Your Italian Elective Residence Visa

The Italian Consulate approved your application, and now You have Your Elective Residence Visa Italy. 

So, what now? What to do? 

It’s essential to finalize the procedure correctly, or the Visa itself will not be enough for Your regular and legal stay in Italy. 

After you have your Visa, you have one year to enter Italy. 

You have eight days to register yourself at the Italian Authorities and then apply for an Elective Residence Permit when you enter.

We will assist you and your family members in the entire process in Italy. 

That’s an important step, or the authorities may revoke your Visa. 


Frequently Asked Questions on the Elective Residence Visa Italy.

Frequently Asked Questions about the Elective Residency Visa For Italy we collected from our 8+ years of experience.

The correct and legal completion of the procedure is crucial for ensuring your regular and lawful stay in Italy with the Visa.

Once you obtain your Retirement Visa for Italy, you must enter Italy within one year.

Upon arrival, you must register with the Italian Authorities within eight days and promptly apply for an Elective Residence Permit.

We will provide comprehensive assistance to you and your family throughout the entire process in Italy.

Failure to complete this important step may result in the authorities revoking your Visa.

Here are some frequently asked questions regarding the Elective Residence Visa for Italy that we have gathered from our extensive 8+ years of experience.

You may find the answers you were looking for right now. 


WHAT IS THE ELECTIVE RESIDENCE VISA ITALY?

The Elective Residence Visa Italy is one of the more trending VISA for Italy.
It’s a lesser-known type, designed for foreign nationals who want to live in Italy and have the financial means to support themselves without working.
It is called an Elective Residence Visa Italy (Residenza elettiva). 
It is mainly used by foreign nationals who wish to retire in Italy – and have the financial means.


HOW TO APPLY FOR AN ELECTIVE RESIDENCE VISA IN ITALY?

You can apply for an Italian Elective Residence Visa, but only if you can demonstrate you have stable and continuous passive income.
They have to allow you to live in Italy without being a public charge.


WHAT ARE THE REQUIREMENTS FOR ELECTIVE RESIDENCE VISAS IN ITALY?

There are several requirements, mainly related to the financial condition of the application. 
In particular, the applicant must demonstrate a minimum of 32,000€/year of passive income. 
Italian Consulates generally require a little more to issue an Elective Residency Visa.
(i.e., some US Consulates require a minimum of 50,000/60,0000€, depending on the nature of incomes).


HOW MUCH INCOME DO I HAVE TO SHOW FOR AN ELECTIVE RESIDENCE VISA IN ITALY?

The Elective Residence Visa Italy applicant must demonstrate a minimum of 32,000€/year of passive income.
They have to be stable and continuous incomes, NOT from his work.
Italian Consulates generally require a little more to issue an Elective Residency Visa (i.e., some US Consulates require a minimum of 50,000/60,0000€, depending on the nature of incomes).


DO I NEED ASSISTANCE WITH AN ELECTIVE RESIDENCE VISA FOR ITALY?

Absolutely yes. Italian Consulates apply strict interpretations and evaluations on each requirement. 
The Elective Residence Visa For Italy is one the most challenging VISA to obtain.
That’s why we highly recommend avoiding self-applications and enlisting the help of some Immigration Lawyers like Us as experts on Italian VISAs.


HOW LONG CAN I STAY IN ITALY WITH MY ELECTIVE RESIDENCE VISA ITALY
?

You can stay in Italy with an elective residence visa for up to one year.

How do I get Elective residency in Italy?

To get elective residency in Italy, you need to follow these steps:

Gather all the required documents, including a valid passport, proof of financial stability, and health insurance.
Make an appointment with the Italian consulate or embassy in your home country.
Submit your application for elective residency and provide all the necessary documentation.
Attend any required interviews or medical examinations as requested by the consulate or embassy.
Pay any applicable fees for the application process.
Wait for the consulate or embassy to process your application and make a decision.
If approved, collect your elective residency permit from the consulate or embassy.
Upon arrival in Italy, register your residency with the local authorities within the specified timeframe.

Please note that the exact requirements and procedures may vary, so it is advisable to consult with the Italian consulate or embassy for the most up-to-date and accurate information.

How can I retire in Italy?

Retiring in Italy involves several steps, including securing the right visa, preparing financially, understanding healthcare, and integrating into the local culture. Here’s a detailed guide to help you retire in Italy:

Elective Residence Visa
This visa is specifically for retirees who have sufficient financial resources to support themselves without working in Italy.
Requirements:
Proof of adequate income (pensions, savings, investments) to support yourself.
Proof of accommodation in Italy.
Health insurance that covers all risks in Italy.
2. Financial Preparation
Proof of Income
You need to show that you have a stable and sufficient income. Generally, the requirement is around €31,000 per year for an individual and €38,000 for a couple.

Do I need a visa to retire in Italy?

Yes, you need a visa to retire in Italy unless you are a citizen of an EU/EEA country or Switzerland. For non-EU citizens, the most suitable visa for retirement purposes is the Elective Residence Visa. Here’s a step-by-step guide on how to obtain this visa and other important considerations:
1. Elective Residence Visa (Visto per Residenza Elettiva)
Eligibility
This visa is intended for individuals who can demonstrate that they have sufficient financial resources to support themselves without working in Italy.
The visa is not intended for employment purposes but for those who want to live in Italy and have a stable and sufficient income from pensions, savings, investments, or other sources.
Financial Requirements
Proof of a stable annual income of at least €31,000 for an individual or €38,000 for a couple. These amounts can vary, so check with the specific consulate.
Income sources can include pensions, rental income, investments, and savings. Employment income is generally not considered.

What are the tax implications for retirees in Italy?

Retiring in Italy comes with several tax implications that you should be aware of. Understanding these implications can help you plan your finances and ensure compliance with Italian tax laws. Here’s a detailed overview:

1. Income Tax (Imposta sul Reddito delle Persone Fisiche – IRPEF)
Criteria: You are considered a tax resident in Italy if you spend more than 183 days in the country in a calendar year, have your habitual abode in Italy, or are registered in the Anagrafe (the official register of the resident population).
Worldwide Income: As a tax resident, you are subject to Italian income tax on your worldwide income. Non-residents are only taxed on income generated within Italy.

Progressive Rates: Italian income tax rates are progressive, ranging from 23% to 43% depending on your income bracket.
Additional Regional and Municipal Taxes: Regions and municipalities may impose additional taxes, typically ranging from 1% to 3%.
Tax Brackets (2023 Rates)
Up to €15,000: 23%
€15,001 – €28,000: 25%
€28,001 – €50,000: 35%
Over €50,000: 43%
2. Pension Income
Taxation of Foreign Pensions
Double Taxation Agreements: Italy has double taxation treaties with many countries to prevent being taxed twice on the same income. Check if your country has such an agreement with Italy.
Tax Exemptions or Reductions: Some foreign pensions may be exempt or subject to reduced taxation under these treaties. It’s essential to review the specific terms of the relevant treaty.

Why us for your Elective Residence Visa Italy.


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