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	Malta Europe	Spain Europe	Chile Latin America
Overview	Malta is an EU member state with established residency, company, and family relocation routes. English is widely spoken and regulatory processes are well documented. Bordercase coordinates with licensed Maltese 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.	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.
Best for	Founders Holding structures EU access English admin	Families Remote workers EU access Cost of living	Latin America hub Stable economy Founders Families
Currency	EUR	EUR	CLP
Language	English / Maltese	Spanish	Spanish
Time zone	UTC+1	UTC+1	UTC-4
EU member	Yes	Yes	No
Schengen	Yes	Yes	No
Residency	Maltese residency routes: Nomad Residence Permit - eligible remote workers Malta Permanent Residency Programme (MPRP) - investor route Employment routes Family reunification The citizenship-by-naturalisation-for-exceptional-services programme is closed to new applicants.	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.	Chilean residency routes: Temporary residence - employment, retirement, or qualifying activity Investor / entrepreneur routes Family reunification Permanent residence typically after a qualifying temporary period
Company setup	Maltese companies are commonly used for trading, IP holding, and gaming / fintech structures. Substance, accounting, and tax-refund mechanisms are well established but require careful structuring.	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.	SpA (Sociedad por Acciones), Ltda, and SA are standard structures. SII tax registration, RUT, and patent municipal registration follow.
Banking	Local banking has tightened; EMIs are common supplements. Bordercase coordinates banking introductions through partners with current relationships.	Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.	Residency unlocks personal banking. Corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.
Family	Family reunification is supported on most routes. Schooling and healthcare are accessible to legal residents.	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.	Family reunification is supported. Schools (public, private, English, German, French) are concentrated in Santiago.
Risks	Risks Bordercase watches for in Malta: Substance requirements (real operations, real director time) Tax classification disputes Banking timelines - EU-wide AML pressure EU anti-abuse rules tighten ongoing	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	Risks Bordercase watches for in Chile: Tax residency triggers and worldwide-income reporting Processing variations between regions RUT timing for non-residents
Documents	Standard EU residency document pack for Malta: Passport Criminal record certificate Proof of income Health insurance Accommodation evidence Marriage / birth certificates for family routes Apostille or legalisation where required.	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	Typical Chilean documents: Passport Apostilled foreign documents (birth, marriage, criminal record) Proof of income or investment Health insurance Spanish translations where required

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