Andorra Passive Residence Investment and Documents

Andorra passive residence documents should be prepared as a residence file and an investment file at the same time. The investment is not just a number; the asset type, timing, proof, deposit, family members, and quota position all matter.

Investment Assets

Law 2/2026 describes a EUR 1,000,000 permanent and effective investment in Andorran assets for residence without lucrative activity. Listed asset categories include real estate in Andorra, shares or own funds of Andorran resident companies, debt or financial instruments issued by Andorran resident entities, Andorran collective investment funds for a limited period, public debt instruments, life insurance products with Andorran resident entities, and non-remunerated deposits with the Andorran Financial Authority.

The law also describes a lower EUR 400,000 amount where the investment is made in the Housing Fund under applicable rules. Where real estate forms part or all of the investment, Law 2/2026 states a per-property amount requirement for each real-estate unit.

Document Sequence

Stage	Evidence Focus
1. Quota check	Confirm the relevant passive-residence category is available
2. Personal eligibility	Passport, civil-status, residence-history, Schengen-entry, and background evidence
3. Housing plan	Lease or property facts that support real residence in Andorra
4. Funds and banking	Source of funds, bankability, transfer route, sanctions, tax-paid position
5. Investment plan	Asset type, legal ownership, valuation, timing, and proof
6. AFA deposit	Main-applicant and dependant deposits under current rules
7. Insurance and family	Health cover and family-member evidence
8. Renewal file	Presence, residence, asset, deposit, and family records

Timing Point

The 2025 residence-without-work regulation describes a post-approval period for proving the required investment. That makes pre-filing planning important: an applicant should know where the investment will go before approval, while still preserving flexibility for the formal timing rules.

Diligence Checklist

Check	Why It Matters
Asset eligibility	Not every investment is a qualifying Andorran asset
Housing pressure	Government policy is tied to sustainable growth and housing constraints
Bank compliance	Andorra files often require careful source-of-funds preparation
Tax residence	A residence permit and tax residence are related but not identical
Exit	Selling or moving assets may affect renewal or residence strategy

Editorial Status

This article was checked against official sources on July 22, 2026. It is informational only and is not immigration, legal, tax, property, banking, investment, family, or relocation advice.