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How it Works?

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Residency in the Schengen Area

Residency in Schengen

SFM Offers EU residency to its clients through the
following scheme:

  • Deposit 300’000 Euros with a leading European bank for 5 years.
  • Earn annually 3% net income per year on your deposit.
  • After 5 years, either renew the deposit and the residency, or withdraw.
  • All paperwork and residencies obtained for a unique fee of EUR 5’800.-

Immigrating to Latvia

SFM offers Schengen Area (EU) residency services to its clients.

Being part of the European Union, and with its high standard of living, Latvia is quickly developing into one of the most sought after living destinations in the world. Furthermore, Latvia offers a safe and secure financial environment, with EU-standard, high quality infrastructural development and very attractive rates of taxation.

Latvian government policy is focused on liberalization of legislation, and this has recently made Latvia an extremely efficient tool for international business activities. Global investors are actively seeking to do business in Latvia as a preferred destination within the EU.

All people who are not European citizens, wishing to live and work in the EU must obtain a residence permit. This is possible. Both investors and their family members are granted EU Residence Permits. EU Residence permits are granted for at least 5 years and upon the expiry of the residence permit, the investor simply has the right to apply for its renewal. There are several ways of achieving this, but our favored scheme is via a subordinated loan, which carries a 3% p/a return on investment.

There are several simple options at the desposal of applicants :
The two most common schemes are via Subordinated Equity (our preferred scheme) and Real Estate Investment.

Subordinated Equity Investment

Investors can expect to receive a return of 3% per annum on a subordinated loan of EUR 300,000, after which an EU Residence permit is immediately granted for 5 years. The permit is renewable until the deposit is withdrawn by the investor.

With this EU Residency permit scheme, the investor can expect the following benefits:

  • Return on investment of 3% per annum on a EUR 300,000 investment.
  • EU Residence permit granted for 5 years, renewable until the deposit is withdrawn by the investor.

Real Estate Investment

Anyone who invests an amount of transaction value equal to or greater than EUR 250,000 into the purchase of real estate in Latvia is granted an unlimited EU residence permit that will be valid as long as the real estate belongs to the investor. Each member of a family can obtain the EU permit simultaneously.


With this EU Residency permit scheme, the investor can expect the following benefits:


  • EU Residence permit is valid while the real estate belongs to investor.
  • Investor personally owns a piece of prime real estate within the EU, and thus benefits from a politically stable environment and rising real estate prices.

Business Investment

Anyone who invests an amount of EUR 150,000 directly into the equity of a company in Latvia, will receive an EU Residence permit that will be valid while the investor is a shareholder of the company. The company must have less than 50 employees, and the annual turnover or annual balance sheet of the company must be less than EUR 10,000,000. It is necessary for the company to issue an invitation for the investor and his family members to visit Latvia.


With this EU Residency permit scheme, the investor can expect the following benefits:


  • EU Residence permit is valid while the company equity belongs to investor.
  • Investor personally owns part of an EU company.
  • Investor’s family is granted EU Residency

Investment in State Securities

Anyone who invests an amount of EUR 250 000 into a State Security of Latvia, will receive an EU Residence permit that will be valid while the investor holds the securities. There is no obligation for the annual registration of residence permit and the investor and his family members are granted EU Residency.


With this EU Residency permit scheme, the investor can expect the following benefits:


  • EU Residence permit is valid while the State Securities belongs to the investor.
  • Investor is invested in one of the safest investments in the world : EU State Securities.
  • Investor’s family is granted EU Residency

SFM take care of all your paperwork

To facilitate your Immigration to the EU, SFM offers to take care of all the procedures relating to your residence permit and transactions needed for your preferred scheme. To do this, you provide all the necessary documents and we take care of paperwork, oversee the procedures and remain in constant contact with local authorities until your EU Residency permit is acquired. In the case of a real estate purchase, to the extent that you provide us with a proxy, SFM handles all the purchasing process, from drafting the contract of sale to handover of the keys.


Registration fee – Euro 5'830 which includes:


  • Managing all the necessary documents.
  • Overseeing all the procedures and transactions needed for your preferred scheme.
  • Following up with the authorities for your EU Residency permit.
  • Answer all your questions of a general nature.
  • Provide you with a dedicated account manager, who is a specialist in law and is at your disposal throughout the year to help you achieve your goals.

Should you want any more information concerning EU Residency Permit, do not hesitate to contact us.