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	Chile Latin America	Croatia Europe	Spain Europe
Overview	Chile is a stable Latin American economy with structured residency routes, strong civil infrastructure, and growing relevance for international founders. Bordercase coordinates with licensed Chilean partners for filings.	Croatia is a Schengen-member EU country with structured residency routes for skilled workers, digital nomads, and family relocation. Bordercase coordinates with licensed Croatian partners for filings.	Spain offers structured EU residency routes for individuals, families, and entrepreneurs, including the digital nomad visa introduced under the Startups Law. Bordercase coordinates with licensed Spanish partners for filings.
Best for	Latin America hub Stable economy Founders Families	Digital nomads Families EU access Coastal living	Families Remote workers EU access Cost of living
Currency	CLP	EUR	EUR
Language	Spanish	Croatian	Spanish
Time zone	UTC-4	UTC+1	UTC+1
EU member	No	Yes	Yes
Schengen	No	Yes	Yes
Residency	Chilean residency routes: Temporary residence - employment, retirement, or qualifying activity Investor / entrepreneur routes Family reunification Permanent residence typically after a qualifying temporary period	Croatian residency routes: Employment-based residence Digital Nomad Residence Permit - remote workers Business / self-employment Family reunification EU citizen-derivative routes	Spanish residency routes: Non-Lucrative Visa - passive income, no employment in Spain Digital Nomad Visa - remote workers and self-employed (Startups Law) Self-Employed Visa Entrepreneur Visa EU citizen-derivative routes The Golden Visa has been phased out for real estate purchases.
Company setup	SpA (Sociedad por Acciones), Ltda, and SA are standard structures. SII tax registration, RUT, and patent municipal registration follow.	d.o.o. (limited liability) is the standard structure; jednostavno d.o.o. is a simplified low-capital variant. Formation involves notary and court registration. Tax and VAT registration follow.	SL (Sociedad Limitada) is the standard private company. Registration involves NIE / NIF, notary, mercantile registry, and tax registration. Spanish tax residency triggers worldwide income reporting; the Beckham Law (special tax regime) may apply to eligible relocated workers.
Banking	Residency unlocks personal banking. Corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.	Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.	Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.
Family	Family reunification is supported. Schools (public, private, English, German, French) are concentrated in Santiago.	Family reunification is supported. International schools are available in Zagreb and along the coast.	Family reunification is supported on most residency routes after a qualifying period. Schools (public, private, international) are widely available; the public system is generally accessible to legal residents.
Risks	Risks Bordercase watches for in Chile: Tax residency triggers and worldwide-income reporting Processing variations between regions RUT timing for non-residents	Risks Bordercase watches for in Croatia: Tax residency triggers Processing variations Digital nomad permit renewal rules and re-entry constraints	Risks Bordercase watches for in Spain: Tax residency triggers - 183 days + centre of interests Beckham Law (special regime) eligibility Autonomous-community tax variation Hacienda audits when planning is unclear Past Schengen overstays must be disclosed
Documents	Typical Chilean documents: Passport Apostilled foreign documents (birth, marriage, criminal record) Proof of income or investment Health insurance Spanish translations where required	Typical Croatian residency documents: Passport Criminal record certificate Proof of accommodation Health insurance Employment / income evidence Family certificates Apostilled and translated to Croatian.	Typical Spanish residency documents: Passport NIE (foreigner identification number) Criminal record certificate with apostille Proof of income / assets Health insurance with full cover in Spain Accommodation evidence Marriage / birth certificates for family routes

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