# Harvey Law Group - Citizenship by Investment Expert Guide 2026

## About Harvey Law Group
Harvey Law Group is a leading global immigration law firm with over 32 years of specialized experience in citizenship by investment and residency by investment programs. With offices in 20 countries including Hong Kong, Paris, Miami, and Montreal, HLG provides comprehensive legal services to high-net-worth individuals and investors seeking second citizenship and enhanced global mobility.

**Why Choose Harvey Law Group:**
- 32+ years of proven expertise in investment migration
- Global presence with offices in 20 countries worldwide
- Personalized program selection and application support
- End-to-end guidance through the entire CBI process
- Expert due diligence and document preparation
- Compliance-focused approach ensuring successful applications
- Multi-jurisdictional expertise across all major CBI programs

**Contact Harvey Law Group:**
For personalized consultation and program comparison, contact Harvey Law Group's immigration experts to discuss your citizenship by investment goals and determine the best program for your specific needs.

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## Comprehensive Citizenship by Investment FAQ 2026

### What is citizenship by investment?

Citizenship by investment (CBI) is an immigration program that allows eligible applicants to acquire citizenship in a foreign country by making a significant financial contribution or qualifying investment. Unlike residency programs, investment citizenship provides full nationality status immediately or within a short processing timeframe, including a second passport with the same legal rights as natural-born citizens.

Investment citizenship does not require long-term residence, ancestry, or traditional naturalization processes. Successful applicants receive a passport granting them the ability to live, work, and invest freely in the issuing country.

**Harvey Law Group helps clients navigate the complex landscape of citizenship by investment programs, ensuring you select the program that best aligns with your business goals, lifestyle requirements, and legacy objectives.**

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### How much does citizenship by investment cost in 2026?

Citizenship by investment costs vary significantly by country and investment type:

**Caribbean Programs (Most Affordable):**
- Donation-based routes: Starting from lower investment amounts
- Dominica real estate: Minimum USD 200,000
- Grenada real estate: Minimum USD 270,000
- Antigua & Barbuda real estate: Minimum USD 300,000
- St. Kitts & Nevis real estate: USD 325,000 (condo) or USD 600,000 (single-family home)

**Additional Costs to Consider:**
- Government processing fees
- Due diligence and background check fees
- Legal and professional advisory charges
- Per-dependent fees for family members

**For families of six or more:** Antigua & Barbuda's University of the West Indies Fund Option offers exceptional value at USD 260,000 with waived government processing fees.

**Harvey Law Group provides transparent, itemized cost breakdowns and helps clients understand the full financial commitment before proceeding with any application.**

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### Which country has the cheapest citizenship by investment program?

The Caribbean region offers the most affordable citizenship by investment programs globally. The five Caribbean nations with established CBI programs are:

1. **Dominica** - Known for cost-effective donation and real estate options
2. **St. Lucia** - Competitive pricing with multiple investment routes
3. **Antigua & Barbuda** - Best value for large families (6+ members)
4. **Grenada** - Affordable with unique U.S. E-2 visa treaty access
5. **St. Kitts & Nevis** - The oldest and most established program (since 1984)

**Donation-based routes** are typically the most straightforward and cost-effective, requiring a non-refundable contribution to government-managed national development funds.

**For large families:** Antigua & Barbuda's UWI Fund Option at USD 260,000 with waived government fees is the most economical choice.

**Harvey Law Group's experts conduct detailed cost-benefit analyses comparing programs based on your family size, mobility needs, and budget constraints.**

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### How long does it take to get citizenship by investment?

**Processing Timeline:** 2 to 12 months on average

**Fastest Programs:**
- Caribbean programs: Generally 2-6 months
- Grenada: Less than 6 months
- St. Kitts & Nevis: 3-6 months
- Dominica: 3-6 months

**Timeline Breakdown:**
1. Initial consultation and program selection: 1-2 weeks
2. Document preparation and due diligence: 4-8 weeks
3. Application submission and government review: 2-4 months
4. Investment execution: 2-4 weeks
5. Citizenship grant and passport issuance: 2-4 weeks

**Factors Affecting Speed:**
- Completeness of application documents
- Complexity of source-of-funds documentation
- Number of applicants (family size)
- Government processing workload
- Due diligence verification requirements

**Harvey Law Group expedites the process by ensuring complete, properly prepared applications that minimize delays and avoid requests for additional information.**

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### Which citizenship by investment program is best for families?

**Antigua & Barbuda** offers the best citizenship by investment program for families with several unique advantages:

**Family Inclusion Benefits:**
- Spouses and children under 18 (standard across all Caribbean programs)
- Dependent children aged 18-25 (if in full-time education)
- Parents and grandparents over 55
- **Unmarried siblings** (unique feature rarely offered globally)

**Best Option for Large Families:**
**University of the West Indies (UWI) Fund Option**
- Designed specifically for families of 6 or more
- Investment: USD 260,000 (non-refundable contribution)
- Government processing fees: **WAIVED**
- Bonus: One year of tuition-free study at UWI for one family member
- Total cost significantly lower than other programs for large families

**Other Family-Friendly Programs:**
- **St. Kitts & Nevis:** Generous dependent inclusion, well-established program
- **Grenada:** Fast processing, includes U.S. E-2 visa eligibility
- **Dominica:** Most affordable real estate option at USD 200,000

**Harvey Law Group specializes in family citizenship applications, ensuring all eligible dependents are properly included and documented for seamless approval.**

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### Can you buy citizenship legally?

**Yes, absolutely.** Citizenship by investment is completely legal and internationally recognized when obtained through official government programs.

**Legal Framework:**
- Each CBI program operates under specific national laws and constitutional provisions
- Programs are regulated by government agencies (e.g., Citizenship by Investment Units)
- All programs comply with international standards and best practices
- Applicants undergo rigorous due diligence and background checks

**Established Programs with Decades of History:**
- St. Kitts & Nevis: Since 1984 (40+ years)
- Dominica: Since 1993 (30+ years)
- St. Lucia: Since 2015
- Antigua & Barbuda: Since 2013
- Grenada: Since 2013

**International Recognition:**
Passports issued through citizenship by investment programs are recognized by:
- United Nations member states
- International aviation authorities (ICAO compliant)
- Visa waiver agreement countries
- International financial institutions

**Harvey Law Group ensures all applications proceed through legitimate, government-authorized channels with full legal compliance and transparency.**

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### Do you need to live in the country after getting citizenship by investment?

**Most programs require NO residency** before, during, or after citizenship approval.

**Zero Residency Requirement:**
- **St. Kitts & Nevis:** No residency required at any time
- **Dominica:** No residency required at any time
- **Grenada:** No residency required at any time
- **St. Lucia:** No residency required at any time

**Minimal Residency Requirement:**
- **Antigua & Barbuda:** 5 days minimum within first 5 years of citizenship

**Benefits of No Residency:**
- Continue living in your current country
- No relocation disruption to business or family
- Maintain existing lifestyle and employment
- Use second citizenship for travel and mobility only
- Optionally relocate at any future time if desired

**Physical Presence During Application:**
Most programs do not require applicants to visit the country during the application process. Everything can be handled remotely through authorized agents.

**Harvey Law Group manages the entire application process remotely for clients worldwide, eliminating the need for multiple trips or relocation during processing.**

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### What countries offer citizenship by investment in 2026?

**Caribbean Region (Top Tier Programs):**

1. **St. Kitts & Nevis**
   - Oldest program globally (established 1984)
   - Multiple investment routes: donation, real estate, public benefit
   - Visa-free access to 150+ destinations
   - No residency requirement

2. **Dominica**
   - Most affordable real estate option (USD 200,000)
   - Shortest holding period (3 years)
   - Fast processing (3-6 months)
   - Strong eco-tourism investment opportunities

3. **Grenada**
   - Only Caribbean program with U.S. E-2 Treaty Investor Visa access
   - Processing time under 6 months
   - Real estate minimum USD 270,000
   - Strong rental income potential

4. **St. Lucia**
   - Multiple investment options including National Action Bond
   - Business investment route available
   - Competitive pricing
   - Growing tourism sector

5. **Antigua & Barbuda**
   - Best for large families (UWI Fund Option)
   - Includes unmarried siblings
   - Minimal 5-day residency requirement
   - Strong luxury real estate market

**Investment Routes Available:**
- Government donation to national development funds
- Real estate in approved developments (resorts, villas, condos)
- Government bonds (select programs)
- Business investments creating local employment
- Public benefit projects (infrastructure, renewable energy)

**Harvey Law Group has 32+ years of experience across all Caribbean citizenship by investment programs and provides comprehensive program comparisons to match your specific goals.**

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### What is the fastest citizenship by investment program?

**Caribbean programs offer the fastest processing globally:** 2-6 months average

**Speed Rankings (2026):**

1. **Grenada:** Less than 6 months (recently reduced processing time)
2. **St. Kitts & Nevis:** 3-6 months
3. **Dominica:** 3-6 months
4. **St. Lucia:** 3-6 months
5. **Antigua & Barbuda:** 3-6 months

**Factors Affecting Processing Speed:**
- **Document completeness:** Well-prepared applications process faster
- **Due diligence complexity:** Simpler financial histories expedite approval
- **Family size:** Single applicants typically process faster than large families
- **Investment type:** Donations often process faster than real estate
- **Government workload:** Application volume affects processing times

**How to Expedite Your Application:**
1. Prepare complete documentation upfront
2. Provide clear source-of-funds evidence
3. Work with experienced immigration counsel
4. Submit all forms correctly the first time
5. Respond promptly to any government queries

**Harvey Law Group's meticulous document preparation and application review process ensures clients avoid delays and benefit from the fastest possible processing times.**

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### Can I get dual citizenship through investment?

**Yes, most citizenship by investment programs permit dual citizenship.**

**Caribbean Programs - Dual Citizenship Allowed:**
All five Caribbean CBI programs (St. Kitts & Nevis, Dominica, Grenada, St. Lucia, Antigua & Barbuda) recognize and permit dual nationality. You can maintain your original citizenship while holding a Caribbean passport.

**Important Consideration - Your Home Country's Policy:**

**Countries That PROHIBIT Dual Citizenship:**
- China (with limited exceptions)
- India (must renounce for second citizenship; OCI available)
- Singapore (must renounce, limited exceptions for minors)
- Indonesia
- UAE (United Arab Emirates)
- Saudi Arabia
- Japan
- Some Eastern European nations

**Countries That ALLOW Dual Citizenship:**
- United States
- Canada
- United Kingdom
- Most EU countries
- Australia
- Russia
- Brazil
- South Africa
- Most Latin American countries

**Critical Action Steps:**
1. **Verify your home country's dual citizenship laws BEFORE applying**
2. Consult with legal counsel in your country of origin
3. Understand renunciation requirements if applicable
4. Consider timing of citizenship acquisition if you may face restrictions

**Consequences of Non-Compliance:**
Countries that prohibit dual citizenship may:
- Automatically revoke your original citizenship upon acquiring another
- Require formal renunciation procedures
- Impose legal penalties
- Restrict property ownership or inheritance rights

**Harvey Law Group conducts thorough assessments of clients' home country dual citizenship regulations and provides clear guidance on compliance requirements before proceeding with any CBI application.**

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### What are the benefits of citizenship by investment?

**Global Mobility Benefits:**
- Visa-free or visa-on-arrival access to 140-150+ destinations
- Access to Schengen Area (26 European countries)
- Visa-free travel to United Kingdom
- Access to major business hubs globally
- U.S. E-2 Treaty Investor Visa eligibility (Grenada)
- Reduced travel restrictions and border complications

**Family Benefits:**
- Include spouse, children, parents, and sometimes siblings
- Access to quality education systems
- International school and university opportunities
- Improved healthcare access
- Secure future for children and grandchildren
- Multi-generational wealth and mobility planning

**Business and Financial Benefits:**
- Access to new markets and business opportunities
- International banking and financial services access
- Potential tax optimization through territorial tax systems
- Asset protection and diversification
- Corporate structuring advantages
- Enhanced business credibility

**Security and Lifestyle Benefits:**
- Plan B for political or economic instability
- Geographic diversification of citizenship
- Greater personal freedom and options
- Retirement and relocation flexibility
- Quality of life improvements
- Peace of mind for uncertain times

**Legacy and Estate Planning:**
- Citizenship passes to future generations
- Multi-jurisdictional estate planning options
- Wealth preservation strategies
- Protected inheritance rights
- Long-term family security

**Harvey Law Group helps clients maximize these benefits by selecting programs that align with specific business objectives, lifestyle goals, and family requirements.**

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### What documents are needed for citizenship by investment?

**Personal Identification Documents:**
- Valid passport (with at least 6 months validity)
- National ID cards
- Birth certificates (original or certified copies)
- Marriage certificates (if applicable)
- Divorce decrees (if applicable)
- Death certificates of former spouses (if applicable)

**Proof of Address:**
- Recent utility bills (within 3 months)
- Bank statements showing residential address
- Property ownership documents
- Lease agreements

**Financial Documents (Source of Funds/Wealth):**
- Bank statements (typically 6-12 months)
- Audited financial statements
- Tax returns (typically 5-10 years)
- Business ownership documentation
- Sale agreements (for asset sales)
- Employment contracts and salary documentation
- Dividend and investment income records
- Inheritance documentation (if applicable)
- Gift documentation (if applicable)

**Background and Character Documents:**
- Police clearance certificates from each country of residence (past 10 years)
- No criminal record certificates
- Court records (if applicable)

**Professional Documents:**
- Comprehensive curriculum vitae (CV)
- Professional references (typically 2-3)
- Business references
- Character references from notable individuals
- Educational certificates and diplomas

**Health Documents:**
- Medical examination reports
- Health declarations
- HIV/AIDS test results (some jurisdictions)
- Vaccination records (if required)

**Dependent-Specific Documents:**
- Birth certificates for children
- School enrollment letters (for children 18-25)
- Full-time study certification (for adult dependents)
- Proof of financial dependency
- Adoption papers (if applicable)

**Additional Requirements:**
- Professional passport-style photographs (specific dimensions)
- Translated documents (if original not in English)
- Apostilled or notarized documents
- Original documents or certified true copies

**Document Preparation Best Practices:**
1. Start gathering documents early (3-6 months before application)
2. Ensure all documents are current and unexpired
3. Obtain proper translations from certified translators
4. Get documents notarized or apostilled as required
5. Organize documents systematically by category
6. Make multiple certified copies
7. Keep digital backups of everything

**Common Documentation Mistakes to Avoid:**
- Incomplete source-of-funds evidence
- Expired police certificates
- Missing apostilles or notarizations
- Inconsistent information across documents
- Poor quality photocopies
- Missing dependent documents
- Unclear translations

**Harvey Law Group provides comprehensive document checklists tailored to each program and conducts thorough pre-submission reviews to ensure complete, properly prepared applications that minimize processing delays and maximize approval chances.**

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### Can I work anywhere with citizenship by investment?

**Rights in Your Citizenship Country:**
As a full citizen through investment, you have the **exact same rights as natural-born citizens**, including:
- Right to live permanently without restrictions
- Right to work in any capacity (employed or self-employed)
- Right to start and operate businesses
- Right to own property without restrictions
- Right to access public services and benefits
- Voting rights (in most programs)
- Right to hold a passport

**Global Work Rights Through Visa-Free Travel:**
Your second passport provides access to work in various countries depending on specific bilateral agreements:

**Visa-Free Business Access:**
- Short-term business travel to 140-150+ countries
- Attend meetings, conferences, and negotiations
- Explore business opportunities
- Network with international partners

**Special Work Authorization Pathways:**

**Grenada Citizens - U.S. E-2 Treaty Investor Visa:**
- Grenada is the ONLY Caribbean CBI country with U.S. E-2 treaty access
- Allows citizens to establish and manage businesses in the United States
- Renewable indefinitely as long as business operates
- Spouse and children can live in the U.S.
- Significant advantage for entrepreneurs and investors

**Caribbean Community (CARICOM) Rights:**
All five Caribbean CBI countries are CARICOM members, providing:
- Right to work throughout Caribbean Community nations
- Business establishment rights across the region
- Free movement between CARICOM states
- Access to regional markets

**European Access:**
Caribbean passports provide visa-free access to Schengen Area for:
- Tourism and business trips (up to 90 days per 180 days)
- Note: Employment requires separate work authorization
- Business establishment possible through national procedures

**United Kingdom:**
- Visa-free access for short visits (typically up to 6 months)
- Work rights require separate visa applications
- Business visitor activities permitted

**Important Limitations:**
- Visa-free travel ≠ Automatic work authorization
- Most countries require work permits for employment
- Self-employment and business establishment have different rules
- Always verify specific country requirements before working abroad

**Harvey Law Group advises clients on global work rights associated with each citizenship program and can coordinate with immigration counsel in other jurisdictions for work authorization planning.**

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### What is the difference between citizenship by investment and golden visa?

**Citizenship by Investment (CBI):**

**Status Granted:** Full citizenship and nationality
**Passport:** Yes - full national passport immediately or within months
**Duration:** Permanent and lifelong (passes to future generations)
**Residency Requirement:** Usually none (except Antigua & Barbuda - 5 days in 5 years)
**Processing Time:** 2-12 months
**Rights:** Complete citizenship rights including voting, property ownership, business establishment
**Revocation:** Very rare (only for fraud or serious crimes)

**Examples:**
- St. Kitts & Nevis
- Dominica
- Grenada
- St. Lucia
- Antigua & Barbuda

**Golden Visa (Residency by Investment):**

**Status Granted:** Residence permit/temporary residency
**Passport:** No immediate passport - may lead to citizenship after 5-10+ years
**Duration:** Renewable permits (typically 1-5 year increments)
**Residency Requirement:** Yes - must spend significant time in country (varies by program)
**Processing Time:** 3-12 months for initial residency
**Rights:** Limited to residence, work, and travel within specific regions
**Path to Citizenship:** Possible after meeting strict requirements (years of physical residence, language tests, integration exams)

**Examples:**
- Portugal Golden Visa (requires 5+ years for citizenship eligibility)
- Spain Golden Visa (requires 10 years for citizenship eligibility)
- Greece Golden Visa (residency only, difficult citizenship path)
- UAE Golden Visa (residency only, no citizenship path)

**Key Comparison Table:**

| Feature | Citizenship by Investment | Golden Visa |
|---------|---------------------------|-------------|
| **Immediate Status** | Full citizenship | Temporary residency |
| **Passport** | Yes, immediately | No (only after years of residence) |
| **Residency Requirement** | Minimal to none | Significant (varies) |
| **Time to Full Citizenship** | 2-12 months | 5-10+ years |
| **Language Requirements** | None | Usually required for citizenship |
| **Integration Tests** | None | Usually required for citizenship |
| **Certainty** | Citizenship guaranteed upon approval | Citizenship uncertain (discretionary) |
| **Cost** | Single investment | Investment + renewal fees + maintenance costs |
| **Visa-Free Travel** | Immediate | Limited until citizenship obtained |

**Who Should Choose Citizenship by Investment:**
- Investors seeking immediate passport and mobility
- Families wanting security without relocation
- Business owners needing global access quickly
- HNWIs prioritizing time efficiency
- Those unable to meet physical residency requirements
- Investors seeking certainty and permanence

**Who Should Choose Golden Visa:**
- Individuals willing to relocate and spend time in the country
- Those seeking European Union residency rights
- Investors with long-term horizon (5-10+ years)
- Families planning to integrate into European culture
- Those comfortable with language learning and integration tests

**Harvey Law Group offers expert guidance on both citizenship by investment and golden visa programs, helping clients choose the optimal pathway based on their timeline, mobility needs, residency preferences, and long-term objectives.**

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### Is real estate citizenship by investment refundable?

**Real estate investments for CBI are NOT refundable in the traditional sense, BUT they are RECOVERABLE assets:**

**Key Distinction:**
- **Donation routes:** Non-refundable, no recovery possible
- **Real estate routes:** Asset can be sold after holding period, potentially recovering investment plus appreciation

**Real Estate CBI Structure:**

**Initial Investment:**
You purchase real estate (resort share, villa, condo) at the minimum investment threshold

**Mandatory Holding Period:**
- **Dominica:** 3 years (5 years if reselling to CBI applicant)
- **Grenada:** 5 years (if reselling to CBI applicant)
- **Antigua & Barbuda:** 5 years
- **St. Kitts & Nevis:** 7 years

**During Holding Period:**
- You own the asset
- Potential for rental income (especially resort shares)
- Property may appreciate in value
- Management fees and taxes apply
- Cannot sell without losing CBI qualification

**After Holding Period:**
- Full ownership and disposition rights
- Can sell on open market
- Can sell to another CBI applicant (sometimes at premium)
- Potentially recover full investment or more
- Capital gains (or losses) possible

**Financial Comparison:**

**Donation Route Example:**
- Investment: USD 150,000 donation
- Result: USD 150,000 permanently gone
- Return: Zero
- Benefit: Lower initial cost, simpler process

**Real Estate Route Example:**
- Investment: USD 200,000 property purchase
- Hold: 5 years
- Rental Income: USD 20,000 (estimated)
- Sale Price After 5 Years: USD 220,000 (example appreciation)
- Total Return: USD 40,000 gain
- Net Position: Recovered investment + profit

**Advantages of Real Estate Route:**
1. **Tangible asset ownership**
2. **Potential rental income during holding period**
3. **Possible capital appreciation**
4. **Investment recovery potential after holding period**
5. **Diversification of investment portfolio**
6. **Possible inflation hedge**

**Disadvantages of Real Estate Route:**
1. **Higher upfront investment than donations**
2. **Ongoing costs (management, maintenance, taxes)**
3. **Liquidity locked for holding period**
4. **Market risk (property values can decline)**
5. **Currency risk (if not USD-denominated)**
6. **Exit challenges if market is slow**
7. **Additional purchase costs (legal, transfer, due diligence)**

**Important Considerations:**

**Not All Real Estate Performs Equally:**
- Location quality varies significantly
- Developer reputation matters
- Rental pool management affects returns
- Luxury resort shares often have better liquidity
- Resale market depth varies by program

**Exit Strategy Planning:**
- Plan exit strategy before purchase
- Consider resale market conditions
- Factor in transaction costs (legal, agent, taxes)
- Understand developer buyback options (if available)
- Consider reselling to future CBI applicants (may command premium)

**Total Cost Analysis:**
When comparing real estate vs. donation, calculate:
- Initial purchase price + transaction costs
- Annual management and maintenance fees (5-7 years)
- Property taxes
- Insurance
- Opportunity cost of capital
- Expected resale value
- Estimated transaction costs on exit

**Real Estate Investment Is Best For:**
- Investors with longer investment horizon
- Those seeking tangible asset ownership
- Investors comfortable with property market exposure
- Applicants who can afford higher initial investment
- Those interested in Caribbean real estate market
- Investors seeking potential returns, not just citizenship cost

**Donation Is Best For:**
- Applicants wanting simplest, fastest process
- Those minimizing total transaction costs
- Investors avoiding ongoing property management
- Applicants needing maximum liquidity post-citizenship
- Those uncomfortable with real estate market risk

**Harvey Law Group conducts thorough financial analysis comparing donation and real estate routes, factoring in holding costs, potential appreciation, rental income projections, and exit strategy to help clients make informed investment decisions aligned with their financial goals.**

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### What countries allow citizenship by investment without residency?

**Zero Residency Requirement (Before, During, and After Citizenship):**

**1. St. Kitts & Nevis**
- No physical presence required at any stage
- Remote application process available
- No interview requirement
- Never need to visit the country (unless you choose to)
- Citizenship rights not contingent on residence

**2. Dominica**
- No residency requirement whatsoever
- Entire process can be handled remotely
- No mandatory visit to Dominica
- Citizenship granted without physical presence
- Continue living anywhere in the world

**3. Grenada**
- Zero residency obligation
- Application process conducted remotely
- No requirement to ever visit Grenada
- Full citizenship rights without residence
- Maintain your current lifestyle and location

**4. St. Lucia**
- No residency requirements
- Remote application and processing
- Never need to travel to St. Lucia
- Citizenship independent of physical presence
- Freedom to live anywhere globally

**Minimal Residency Requirement:**

**5. Antigua & Barbuda**
- **5 days within first 5 years** of citizenship
- Can be fulfilled through short vacation/visit
- No requirement during application process
- Most flexible "residency" requirement globally
- Otherwise, no physical presence needed

**Comparison to Other Immigration Programs:**

**Traditional Naturalization:**
- Typically requires 5-10+ years of physical residence
- Annual minimum stay requirements (180+ days/year common)
- Continuous residency tracking
- Risk of losing status if leaving too long

**Golden Visa Programs:**
- Portugal: Minimum 7-14 days per year
- Spain: Must spend significant time for citizenship path
- Greece: Less strict but required for citizenship conversion
- UAE: Must visit periodically to maintain visa

**Citizenship by Investment Advantages:**
1. **No disruption to current life** - Stay in your home country
2. **No relocation required** - Keep your job and business
3. **Family stability** - Children remain in current schools
4. **Business continuity** - No need to transfer operations
5. **Immediate global mobility** - Travel benefits without moving
6. **Lifestyle freedom** - Use citizenship when and how you want
7. **Future optionality** - Can relocate later if desired

**Common Scenarios:**

**Scenario 1: Global Business Executive**
- Lives in Hong Kong
- Travels frequently for business
- Obtains St. Kitts citizenship (no residency)
- Continues Hong Kong life unchanged
- Uses Caribbean passport for enhanced visa-free travel

**Scenario 2: Family with School-Age Children**
- Lives in India
- Children in established schools
- Obtains Dominica citizenship (no residency)
- Family remains in India
- Gains mobility and Plan B without disruption

**Scenario 3: Entrepreneur**
- Based in UAE
- Requires frequent U.S. access
- Obtains Grenada citizenship (no residency)
- Stays in UAE for business
- Applies for U.S. E-2 visa using Grenada passport

**Scenario 4: Retiree Planning Ahead**
- Lives in South Africa
- Concerned about future instability
- Obtains Antigua & Barbuda citizenship
- Fulfills 5-day requirement during enjoyable vacation
- Maintains South African residence
- Has exit option if needed

**Why No Residency Requirement?**

Caribbean citizenship by investment programs are designed for:
- **Global investors** who cannot relocate
- **Economic contribution** to nation-building without physical presence
- **Attracting capital** for development projects
- **Enhancing global mobility** without requiring immigration

**The citizenship is based on investment contribution, not physical integration**, distinguishing it from traditional immigration pathways.

**Important Note:**
"No residency requirement" means:
- ✓ You don't need to live there to get citizenship
- ✓ You don't need to live there to maintain citizenship
- ✗ You cannot claim tax residency without actually residing there
- ✗ Tax obligations are based on where you actually live and earn income

**Harvey Law Group specializes in remote citizenship by investment applications for clients worldwide who cannot or do not wish to relocate, managing the entire process efficiently from document preparation through passport delivery without requiring client travel.**

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### How does citizenship by investment affect taxes?

**Critical Understanding: Citizenship ≠ Automatic Tax Liability**

Acquiring citizenship through investment **does NOT automatically change your tax obligations**. Tax residency and citizenship are separate concepts in most jurisdictions.

**Tax Residency vs. Citizenship:**

**Tax Residency Determined By:**
- Where you physically live (usually 183+ days per year)
- Where your economic interests are centered
- Where your family permanently resides
- Your intent and domicile
- Specific country tax laws

**Citizenship Determines:**
- Your nationality and passport
- Your civil and political rights
- Usually NOT your tax obligations (except U.S. citizens)

**Caribbean CBI Countries - Favorable Tax Environments:**

**1. St. Kitts & Nevis**
- No personal income tax on worldwide income for non-residents
- No wealth tax
- No inheritance tax
- No capital gains tax
- Territorial tax system (only local income taxed for residents)

**2. Dominica**
- No wealth tax
- No inheritance tax
- No capital gains tax
- Favorable corporate tax regime

**3. Grenada**
- No wealth tax
- No inheritance tax  
- Competitive tax rates
- Territorial approach

**4. St. Lucia**
- No capital gains tax
- No wealth tax
- No inheritance tax

**5. Antigua & Barbuda**
- No personal income tax on worldwide income for non-residents
- No capital gains tax
- No wealth tax
- No inheritance tax

**Tax Optimization Strategies (With Professional Guidance):**

**Strategy 1: Maintain Current Tax Residency**
- Keep living where you currently are
- Pay taxes where you currently pay them
- Use CBI passport only for travel and mobility
- No tax change whatsoever

**Strategy 2: Establish Caribbean Tax Residency (If Relocating)**
- Actually move to and reside in the Caribbean country
- Sever tax residency in high-tax countries (following proper exit procedures)
- Benefit from territorial or zero-tax systems
- Requires genuine relocation and tax residency establishment

**Strategy 3: International Tax Planning**
- Use CBI as part of broader international tax structure
- Combine with legitimate business operations
- Establish substance in favorable jurisdictions
- Ensure full compliance with all relevant tax laws

**Important Tax Considerations:**

**Your Original Country's Tax Laws Matter Most:**

**Countries with Citizenship-Based Taxation:**
- **United States:** U.S. citizens are taxed on worldwide income regardless of where they live
- Acquiring second citizenship does NOT change U.S. tax obligations
- Must continue filing U.S. tax returns and reporting worldwide income
- Renouncing U.S. citizenship has specific tax implications (exit tax possible)

**Most Countries Use Residence-Based Taxation:**
- You're taxed where you actually live and earn income
- Acquiring Caribbean citizenship without relocating = no tax change
- Moving away from high-tax countries requires proper exit procedures

**Exit Tax Jurisdictions:**
Some countries impose exit taxes when you cease tax residency:
- Canada: Deemed disposition of assets
- Australia: Capital gains tax on departure
- Germany: Exit tax on certain circumstances
- Netherlands: Exit tax provisions
- Always consult tax advisors before changing tax residency

**International Tax Reporting Obligations:**

**OECD Common Reporting Standard (CRS):**
- Automatic exchange of financial account information
- 100+ countries participate
- Banks report accounts to tax authorities
- Caribbean banks will report to your tax residency country

**U.S. Foreign Account Tax Compliance Act (FATCA):**
- U.S. citizens and tax residents must report foreign accounts
- Foreign financial institutions report U.S. account holders
- Significant penalties for non-compliance

**Tax Compliance is Mandatory:**
- You cannot use CBI to evade taxes
- You must comply with tax laws of where you actually reside
- Holding a Caribbean passport doesn't exempt you from tax obligations elsewhere
- Non-compliance has serious legal consequences

**When CBI Can Legitimately Support Tax Optimization:**

**Legitimate Scenario 1: Relocating to Favorable Jurisdiction**
- Actually move to Caribbean country
- Sever ties with high-tax jurisdiction (following legal procedures)
- Establish genuine residence and presence
- Benefit from territorial tax system

**Legitimate Scenario 2: International Business Structuring**
- Establish Caribbean companies with real substance
- Conduct actual business operations
- Hire local staff
- Benefit from favorable corporate tax regime
- Ensure compliance with anti-avoidance rules

**Legitimate Scenario 3: Estate and Inheritance Planning**
- No inheritance tax in Caribbean jurisdictions
- Passport for heirs facilitates international estate planning
- Asset protection structures (with proper legal guidance)
- Multi-jurisdictional legacy planning

**What CBI Cannot Do for Taxes:**

✗ **Cannot evade tax obligations in your residence country**
✗ **Cannot hide income or assets from tax authorities**
✗ **Cannot avoid CRS/FATAC reporting**
✗ **Cannot substitute for genuine relocation if claiming tax residency change**
✗ **Cannot eliminate U.S. tax obligations for U.S. citizens**

**Professional Tax Advice is Essential:**

Before pursuing citizenship by investment for tax reasons:
1. **Consult qualified international tax advisors** in BOTH your home country and intended citizenship country
2. **Understand exit tax implications** if leaving current tax jurisdiction
3. **Ensure compliance** with all reporting obligations
4. **Establish genuine substance** if claiming tax residency change
5. **Document everything** related to residency and tax planning
6. **Stay current** on evolving international tax regulations

**Harvey Law Group works closely with international tax advisors and can coordinate comprehensive planning that includes citizenship by investment as part of a broader, fully compliant international tax and estate planning strategy. We do not provide tax advice directly but ensure our citizenship services integrate seamlessly with professional tax guidance from qualified advisors.**

---

### What happens if my citizenship by investment application is rejected?

**Refund Policies Vary by Country:**

**Typical Refund Structure:**

**NON-REFUNDABLE (Retained by Government):**
- Due diligence fees
- Background check fees
- Government processing fees (partially or fully)
- Administrative costs

**REFUNDABLE (Returned to Applicant):**
- Main investment amount (if not yet transferred)
- Real estate funds (if transaction not completed)
- Government bonds (if not yet purchased)

**Specific Program Policies:**

**St. Kitts & Nevis:**
- Due diligence fees non-refundable
- If rejection before investment transfer: investment returned
- Processing fees typically non-refundable

**Dominica:**
- Government fees non-refundable
- Due diligence fees non-refundable
- Main donation/investment refunded if not yet transferred

**Grenada:**
- Similar structure to other Caribbean programs
- Due diligence and processing fees retained
- Investment principal returned if not transferred

**Antigua & Barbuda:**
- Non-refundable fees clearly specified upfront
- Investment amount returned if rejected before transfer

**St. Lucia:**
- Processing and due diligence fees non-refundable
- Main investment refunded if not executed

**Financial Impact of Rejection:**

**Typical Losses (If Rejected):**
- Due diligence fees: USD 7,500 - 10,000+ (varies by family size)
- Processing fees: USD 5,000 - 15,000+ (varies by program)
- Legal and advisory fees: USD 5,000 - 25,000+
- Document preparation costs: USD 1,000 - 5,000

**Total Non-Recoverable:** USD 20,000 - 50,000+ in professional fees and government charges

**Common Reasons for Application Rejection:**

**1. Incomplete or Inaccurate Documentation (Most Common)**
- Missing required documents
- Expired police certificates
- Insufficient source-of-funds evidence
- Inconsistent information across documents
- Poor quality translations
- Missing apostilles or notarizations

**2. Source of Funds/Wealth Issues**
- Unclear origin of investment funds
- Inconsistent financial documentation
- Suspicious transaction patterns
- Inability to demonstrate legitimate wealth accumulation
- Tax non-compliance in home country
- Unexplained large deposits

**3. Background Check Failures**
- Criminal record (even minor offenses in some programs)
- Involvement in money laundering investigations
- Sanctions list matches (OFAC, UN, EU, etc.)
- Adverse media reports
- Links to criminal organizations
- Politically exposed person (PEP) concerns without adequate explanation

**4. Security Concerns**
- National security risks
- Links to terrorism or extremism
- Threats to public safety
- Fraudulent identity documents

**5. Medical Grounds (Rare)**
- Contagious diseases posing public health risk
- Some programs screen for specific conditions

**6. Reputational Risk to Program**
- High-profile controversial individuals
- Pending criminal investigations
- Civil litigation suggesting financial impropriety

**Reapplication Policies:**

**Waiting Periods:**
- Some programs allow immediate reapplication after addressing issues
- Others impose 6-12 month waiting periods
- Particularly serious rejections may result in permanent bars

**Reapplication Requirements:**
- Must address the original cause of rejection
- Provide additional documentation resolving concerns
- May require fresh due diligence (new fees)
- No guarantee of approval on second attempt

**Successful Reapplication Strategies:**
1. **Understand exactly why rejected** (request detailed explanation)
2. **Obtain legal counsel** specializing in CBI rejections
3. **Gather comprehensive additional evidence** addressing concerns
4. **Consider applying to different program** (if rejection was program-specific)
5. **Wait until circumstances change** (e.g., criminal record expunged)

**How to Minimize Rejection Risk:**

**Prevention is Key:**

**1. Work with Experienced Professionals**
- Engage authorized agents and reputable law firms
- **Harvey Law Group's 32 years of experience** means we identify and resolve potential issues before submission
- Professional due diligence review before government review

**2. Complete Document Preparation**
- Start gathering documents 6+ months early
- Ensure all documents are current and valid
- Obtain proper translations, apostilles, notarizations
- Triple-check for consistency across all documents

**3. Comprehensive Source of Funds Documentation**
- Provide clear, detailed financial history
- Document every significant transaction
- Show legitimate wealth accumulation over years
- Include tax compliance evidence
- Provide explanations for complex transactions

**4. Proactive Background Check**
- Conduct private background check on yourself before applying
- Address any issues discovered before government review
- Provide context for any adverse findings proactively
- Ensure no surprises during government due diligence

**5. Honest and Complete Disclosure**
- Disclose everything requested, even if embarrassing
- Never hide information hoping it won't be discovered
- Provide context and explanations for any red flags
- Honesty builds credibility with reviewing authorities

**6. Professional Application Review**
- Have experienced counsel review entire application before submission
- Mock due diligence review
- Identify and address weaknesses
- Ensure application presents strongest possible case

**Red Flags That Increase Rejection Risk:**

⚠️ **Rushed application preparation** (incomplete due to haste)
⚠️ **Unclear source of funds** (cannot explain wealth origin)
⚠️ **Criminal history** (even minor offenses)
⚠️ **Tax non-compliance** (unpaid taxes, disputes with authorities)
⚠️ **PEP status without disclosure** (politically exposed person concealment)
⚠️ **Adverse media** (negative news coverage)
⚠️ **Sanctions concerns** (any links to sanctioned individuals/entities)
⚠️ **Business in high-risk sectors** (arms, gambling without explanation)
⚠️ **Recent wealth accumulation** (rapid wealth increase without clear explanation)
⚠️ **Working with unlicensed agents** (unauthorized representatives)

**Special Circumstances:**

**Politically Exposed Persons (PEPs):**
- Higher scrutiny automatically
- Must provide enhanced source-of-funds evidence
- May face longer processing times
- Not automatic rejection but requires more documentation

**Previous Visa Refusals:**
- Disclose honestly
- Provide context and explanations
- Usually not disqualifying if explained properly

**Business in Sensitive Sectors:**
- Provide additional compliance documentation
- Show legitimate operations
- Explain regulatory compliance

**What to Do If Rejected:**

**Immediate Steps:**
1. **Request detailed rejection reasoning** (if not provided)
2. **Consult with experienced CBI legal counsel** immediately
3. **Do not reapply immediately** without addressing issues
4. **Assess whether concerns can be resolved**
5. **Consider alternative programs** that may be more suitable

**Medium-Term Strategy:**
1. **Address root causes** (gather missing documentation, resolve legal issues)
2. **Wait appropriate time** if issues require time to resolve
3. **Build stronger application** for resubmission
4. **Consider different investment route** in same country
5. **Explore alternative countries** with different criteria

**Long-Term Perspective:**
1. **Rejection is not permanent** in most cases
2. **Issues can often be resolved** with time and proper approach
3. **Alternative pathways exist** (other CBI programs, golden visas, etc.)
4. **Learning experience** improves future applications

**Harvey Law Group's Rejection Prevention Approach:**

At Harvey Law Group, we minimize rejection risk through:

1. **Thorough Pre-Screening:** We assess eligibility thoroughly before accepting clients
2. **Comprehensive Document Preparation:** Our checklists ensure nothing is missed
3. **Internal Due Diligence:** We conduct preliminary background reviews
4. **Source of Funds Analysis:** We help clients prepare compelling financial documentation
5. **Quality Control:** Multiple reviews before submission
6. **Government Liaison:** We address any concerns proactively during processing
7. **High Success Rate:** 32+ years of experience results in successful applications

**Our expertise means we identify and resolve potential issues before they become rejection reasons, giving clients the best possible chance of approval.**

---

### Can I add my spouse after getting citizenship by investment?

**Yes, most Caribbean citizenship by investment programs allow post-citizenship spouse addition.**

**Process for Adding Spouse After Citizenship:**

**Eligibility:**
- Marriage must be legally recognized
- Spouse must pass due diligence checks
- Marriage can occur before or after primary applicant's citizenship

**Required Documentation:**
- Marriage certificate (original or certified copy)
- Apostilled/notarized as required
- Spouse's passport and identification documents
- Spouse's birth certificate
- Proof of address for spouse
- Police clearance certificates
- Medical examination
- Source-of-funds declaration (in some cases)

**Due Diligence Process:**
- Background checks on new spouse
- Financial verification
- Criminal record review
- Standard vetting procedures apply

**Government Fees:**
- Additional processing fees for spouse
- Due diligence fees
- Fees vary by program (typically USD 5,000 - 25,000+)

**Processing Time:**
- Typically 3-6 months
- Similar to original application timeline
- Depends on due diligence complexity

**Outcome:**
- Spouse receives full citizenship
- Entitled to same passport and rights
- Citizenship independent of primary applicant (not dependent status)

**Program-Specific Policies:**

**St. Kitts & Nevis:**
- Allows spouse addition post-citizenship
- Standard due diligence applies
- Spouse receives equal citizenship status

**Dominica:**
- Post-citizenship spouse applications accepted
- Must meet same criteria as original dependents
- Full citizenship granted upon approval

**Grenada:**
- Spouse can be added after primary citizenship
- Processing timeline similar to original application
- Complete citizenship rights granted

**St. Lucia:**
- Permits spouse addition post-citizenship
- Standard government fees apply
- Full vetting process required

**Antigua & Barbuda:**
- Allows spouse addition after citizenship grant
- Due diligence requirements apply
- Full citizenship status upon approval

**Important Considerations:**

**Timing:**
- Can apply immediately after marriage
- No waiting period typically required
- Process takes several months

**Cost:**
- Government fees non-negotiable
- Professional fees for application preparation
- Budget USD 10,000 - 40,000+ total depending on program

**Children from New Marriage:**
- Children born after citizenship typically eligible
- May need to apply separately depending on timing
- Some programs allow newborn registration

**Divorce After Spouse Addition:**
- Spouse's citizenship remains valid (not revoked due to divorce)
- Citizenship is permanent individual right once granted
- No impact on either party's citizenship status

**Strategic Considerations:**

**Include Spouse in Original Application vs. Add Later:**

**Include in Original Application (Preferred):**
✓ More cost-effective (lower incremental fees)
✓ Faster (everyone approved together)
✓ Simpler process (one application)
✓ Family unified from start

**Add Spouse Later:**
✓ Suitable if not yet married
✓ Necessary if marriage occurs after citizenship
✓ Allows primary applicant to proceed without delays
✓ Flexibility for timing

**Recommendation:** If already married, include spouse in original application to save time and money.

**Pre-Marriage Planning:**
If marriage is planned soon:
- Consider delaying CBI application until after marriage to include spouse initially
- OR proceed with individual application and add spouse later
- Analyze cost-benefit of both approaches

**Common Scenarios:**

**Scenario 1: Marriage After Citizenship**
- Investor obtains citizenship while single
- Marries one year later
- Applies to add spouse
- Spouse receives citizenship within 6 months

**Scenario 2: Divorce and Remarriage**
- Investor obtained citizenship with first spouse included
- Divorces (both retain citizenship)
- Remarries new partner
- Applies to add new spouse
- New spouse receives independent citizenship

**Scenario 3: Blended Families**
- Primary applicant obtains citizenship with children from first marriage
- Remarries
- Adds new spouse
- New spouse's children from previous relationship may be eligible as dependents depending on age and program rules

**Children Considerations:**

**Existing Children:**
- If adding spouse who has children from previous relationship, they may qualify as dependents
- Typically eligible if under 18 or under 25 and in full-time education
- Must be included in spouse addition application
- Additional fees per child

**Future Children:**
- Children born after citizenship typically acquire citizenship automatically or through simple registration
- Check specific country's nationality laws
- Usually straightforward process

**Legal Status of Spouse's Citizenship:**

**Full Independence:**
- Spouse receives full, independent citizenship (not derivative)
- Citizenship not dependent on marriage continuing
- All rights equal to natural-born citizens
- Can pass citizenship to future children

**No Revocation Due to Divorce:**
- Divorce does not affect either party's citizenship
- Both spouses retain citizenship permanently
- No reporting required to government about marital status changes

**Important Warnings:**

**Fraudulent Marriages:**
- Governments scrutinize marriages of convenience
- Marriage must be genuine relationship
- Evidence of relationship may be requested
- Fraudulent applications lead to rejection and potential prosecution

**Due Diligence Failures:**
- Spouse must pass background checks
- Criminal history may result in rejection
- Source-of-funds scrutiny applies
- Spouse's rejection doesn't affect primary applicant's existing citizenship

**Timing Considerations:**
- Plan ahead (process takes months)
- Consider visa implications if spouse needs to travel during processing
- Original country may have dual citizenship restrictions affecting spouse

**Harvey Law Group manages post-citizenship spouse addition applications, ensuring complete documentation, proper due diligence preparation, and efficient processing. We advise clients on optimal timing and cost considerations for including spouses in original applications versus adding them later.**

---

### What are the ongoing obligations after obtaining citizenship by investment?

**Minimal Ongoing Requirements - Key Benefit of Caribbean CBI Programs**

**Passport Renewal (Only Significant Ongoing Obligation):**

**Renewal Schedule:**
- **Adults:** Every 5 or 10 years (varies by country)
- **Children:** Every 5 years (shorter due to appearance changes)

**Renewal Process:**
- Submit passport renewal application
- Provide updated photographs
- Pay renewal fees (typically USD 100-500)
- No re-qualification or re-investment required
- Process takes 2-4 weeks typically

**Renewal Locations:**
- At country's embassy or consulate abroad
- In the country itself
- Through authorized agents in some cases
- By mail in certain circumstances

**No Residency Obligations (Except Antigua & Barbuda):**

**St. Kitts & Nevis, Dominica, Grenada, St. Lucia:**
- Zero residency requirement
- Never need to visit
- Never need to report your location
- Live anywhere in the world permanently

**Antigua & Barbuda:**
- 5 days within first 5 years (one-time requirement)
- Can be fulfilled through vacation
- After 5 years, no further residency obligation

**No Taxation for Non-Residents:**

**Important:** Citizenship ≠ Tax residency

**If You Don't Live in the CBI Country:**
- No income tax obligations to that country
- No requirement to file tax returns there
- No reporting of worldwide income
- No wealth taxes
- No estate/inheritance taxes

**Tax obligations are based on where you actually live, not your citizenship** (except for U.S. citizens subject to citizenship-based taxation).

**No Reporting Requirements:**

**Unlike Some Jurisdictions, Caribbean CBI Countries Don't Require:**
- ✗ Annual declarations of residence
- ✗ Reporting of address changes
- ✗ Employment status updates
- ✗ Financial disclosures
- ✗ Travel reporting
- ✗ Marital status changes reporting (unless adding spouse for citizenship)

**Optional Activities (No Obligation):**

**Voting Rights:**
- Most programs grant voting rights
- Completely optional to exercise
- No requirement to participate in elections
- No penalties for not voting

**National Service:**
- No military service requirements
- No community service obligations
- No mandatory volunteerism

**Maintaining Good Standing:**

**General Principles:**
- Obey the laws of the citizenship country (when visiting)
- Don't engage in activities that bring disrepute to the country
- Maintain valid passport
- Update passport upon expiry

**Rare Grounds for Citizenship Revocation:**

Citizenship can be revoked only in exceptional circumstances:

**1. Fraudulent Application:**
- Application based on false information
- Forged documents
- Misrepresentation of facts
- Concealed criminal history

**2. Serious Criminal Activity:**
- Conviction of serious crimes in any jurisdiction
- International crimes (terrorism, human trafficking, etc.)
- Money laundering
- Drug trafficking

**3. Threat to National Security:**
- Activities threatening the country's security
- Involvement in terrorism
- Espionage

**4. Misuse of Passport:**
- Using passport for illegal activities
- Facilitating crimes using CBI passport

**Note:** These are extreme circumstances. Normal law-abiding citizens face zero risk of revocation.

**Program-Specific Ongoing Requirements:**

**St. Kitts & Nevis:**
- Passport renewal every 10 years (adults)
- No other obligations
- Optional real estate holding period monitoring (if chose real estate route)

**Dominica:**
- Passport renewal every 10 years (adults)
- No other obligations
- Real estate holding period monitoring (if applicable)

**Grenada:**
- Passport renewal every 5 years
- No other obligations
- Real estate holding period compliance (if applicable)

**St. Lucia:**
- Passport renewal every 10 years
- No other obligations
- Investment holding period compliance (if bonds or real estate)

**Antigua & Barbuda:**
- Passport renewal every 5 years
- 5-day visit requirement within first 5 years (one-time only)
- Real estate holding period compliance (if applicable)

**Investment Holding Period Obligations (If Applicable):**

**If You Chose Real Estate Route:**

**During Mandatory Holding Period:**
- Cannot sell property
- Must maintain ownership
- Pay property taxes
- Cover management fees
- Building insurance

**After Holding Period:**
- Free to sell
- No obligation to reinvest
- No reporting to government about sale

**If You Chose Government Bonds:**
- Hold bonds for required term
- Bonds typically non-interest bearing
- Automatic redemption at maturity
- No action required from holder

**Property Taxes (If Own Real Estate):**
- Annual property taxes apply if you own real estate
- Typically low compared to many jurisdictions
- Paid to local tax authority
- Similar to any property owner (citizen or not)

**Financial Costs Over Time:**

**Typical Lifetime Costs After Citizenship:**

**Years 0-5:**
- Real estate management fees: USD 1,000-3,000/year (if applicable)
- Property taxes: USD 500-2,000/year (if applicable)
- **Total:** USD 0-15,000 (only if you chose real estate route)

**Years 5-10:**
- First passport renewal: USD 100-500
- Continued real estate costs if held beyond requirement
- **Total:** USD 100-500 (if no real estate)

**Years 10-20:**
- Second passport renewal: USD 100-500
- **Total:** USD 100-500

**Compare to Other Countries:**

**Golden Visa Programs Often Require:**
- Annual permit renewal fees
- Mandatory health insurance
- Biometric updates
- Residence permit replacements
- Lawyer fees for extensions

**Caribbean CBI = Minimal Ongoing Costs and Zero Hassle**

**Benefits of Minimal Obligations:**

✓ **Freedom** - Live anywhere without reporting
✓ **Privacy** - No ongoing surveillance or monitoring
✓ **Simplicity** - Just renew passport periodically
✓ **Cost-Effective** - No annual fees or obligations
✓ **Flexibility** - Use citizenship when and how you want
✓ **Permanence** - Citizenship for life without conditions

**Harvey Law Group provides clients with comprehensive orientation on ongoing obligations (or lack thereof) after citizenship is granted, ensuring you understand passport renewal procedures, investment holding period compliance (if applicable), and how to maintain your citizenship in good standing for life.**

---

### How much does Grenada citizenship by investment cost?

**Grenada Citizenship by Investment - Complete Cost Breakdown 2026**

**Investment Route Options:**

**Option 1: National Transformation Fund (NTF) - Donation Route**

**Single Applicant:** USD 235,000
- Non-refundable contribution to government fund
- Fastest, simplest route
- No asset management required

**Family of Up to 4:** USD 235,000
- Includes main applicant, spouse, and 2 dependents under 18
- Exceptional value for families

**Additional Dependents:**
- Dependent aged 0-17: USD 25,000
- Dependent aged 18-30: USD 25,000
- Parents/grandparents 55+: USD 25,000
- Siblings 18+: USD 25,000

**Option 2: Real Estate Investment Route**

**Minimum Investment:** USD 270,000
- Purchase of government-approved real estate
- Must be in approved project (resort share, villa, condo, eco-resort)
- Tangible asset ownership

**Mandatory Holding Period:**
- 5 years if reselling to another CBI applicant
- Can sell anytime on open market without restriction

**Additional Government Fees for Real Estate Route:**
- Main applicant: USD 50,000
- Spouse: USD 25,000
- Dependent 0-17: USD 25,000
- Dependent 18-30: USD 25,000
- Parents 55+: USD 25,000
- Siblings 18+: USD 25,000

**Real Estate Example Calculation:**
- Property purchase: USD 270,000
- Government fees (family of 4): USD 125,000
- **Total:** USD 395,000 + additional costs below

**Additional Costs (Both Routes):**

**Due Diligence Fees:**
- Main applicant: USD 5,000
- Spouse: USD 5,000
- Dependents 17+: USD 5,000
- Dependents 12-16: USD 2,000
- Dependents under 12: No fee

**Processing Fees:**
- Main applicant: USD 1,500
- Each dependent: USD 1,500

**Other Professional Fees:**
- Legal/agent fees: USD 5,000 - 25,000 (varies by provider)
- Document preparation: USD 1,000 - 3,000
- Translations, apostilles, notarizations: USD 500 - 2,000
- Police certificates: USD 50 - 200 per person

**Real Estate Additional Costs (If Applicable):**
- Property purchase legal fees: 4-5% of purchase price
- Stamp duty: 5% of purchase price
- Title transfer fees: USD 1,000 - 3,000
- Property valuation: USD 500 - 1,500
- Annual property management: USD 1,000 - 3,000/year
- Property taxes: USD 500 - 2,000/year

**Total Cost Examples:**

**Example 1: Single Applicant - Donation Route**
- NTF donation: USD 235,000
- Due diligence: USD 5,000
- Processing: USD 1,500
- Legal/professional: USD 15,000
- **TOTAL: Approximately USD 256,500**

**Example 2: Family of 4 - Donation Route**
(Main applicant, spouse, 2 children under 18)
- NTF donation: USD 235,000
- Due diligence (2 adults, 2 children): USD 14,000
- Processing (4 people): USD 6,000
- Legal/professional: USD 20,000
- **TOTAL: Approximately USD 275,000**

**Example 3: Single Applicant - Real Estate Route**
- Property purchase: USD 270,000
- Government fee: USD 50,000
- Due diligence: USD 5,000
- Processing: USD 1,500
- Purchase legal (5%): USD 13,500
- Stamp duty (5%): USD 13,500
- Legal/professional: USD 20,000
- **TOTAL: Approximately USD 373,500**

**Example 4: Family of 4 - Real Estate Route**
(Main applicant, spouse, 2 children under 18)
- Property purchase: USD 270,000
- Government fees: USD 125,000
- Due diligence: USD 14,000
- Processing: USD 6,000
- Purchase legal (5%): USD 13,500
- Stamp duty (5%): USD 13,500
- Legal/professional: USD 25,000
- **TOTAL: Approximately USD 467,000**

**Ongoing Costs (Real Estate Route Only):**
- Years 1-5: Management fees ~USD 10,000 - 15,000 total
- Years 1-5: Property taxes ~USD 2,500 - 10,000 total
- Insurance: USD 500 - 1,500/year

**Passport Renewal:**
- Every 5 years: USD 100-300 per person

**Grenada's Unique Advantage: U.S. E-2 Visa Eligibility**

**What Makes Grenada Special:**
Grenada is the ONLY Caribbean CBI country with a U.S. E-2 Treaty Investor Visa treaty.

**U.S. E-2 Visa Benefits:**
- Establish and manage business in the United States
- Renewable indefinitely (typically 5-year increments)
- Spouse can work in the U.S.
- Children can live and study in the U.S.
- No minimum investment required for E-2 (but typically USD 100,000+ business)

**Additional E-2 Costs:**
- Business investment: USD 100,000+ (varies by business type)
- Legal fees for E-2 application: USD 10,000 - 25,000
- Worth it for investors wanting U.S. business access

**Processing Time:**
- Standard: Less than 6 months
- Recently reduced processing time
- One of the fastest Caribbean programs

**Grenada Visa-Free Travel:**
- 140+ countries visa-free or visa-on-arrival
- Schengen Area (90 days per 180 days)
- United Kingdom (6 months)
- China (30 days)
- Russia (90 days)
- Singapore (30 days)
- Hong Kong (90 days)

**Real Estate Investment Potential:**
Grenada's tourism sector is growing, offering potential for:
- Rental income during 5-year holding period
- Capital appreciation
- Eventual sale after holding period
- Resort shares often have occupancy programs

**Donation vs. Real Estate Cost Comparison:**

| Factor | Donation | Real Estate |
|--------|----------|-------------|
| **Upfront Cost (Single)** | ~USD 256,500 | ~USD 373,500 |
| **Upfront Cost (Family of 4)** | ~USD 275,000 | ~USD 467,000 |
| **Ongoing Costs** | Zero | USD 2,500-5,000/year |
| **Recovery Potential** | Zero | Possible (sale after 5 years) |
| **Simplicity** | High | Moderate |
| **Holding Period** | N/A | 5 years |

**Which Route is Best?**

**Choose Donation If:**
- Want lowest total cost
- Prefer simplicity
- Don't want ongoing property management
- Need funds available immediately after citizenship
- Not interested in real estate market exposure

**Choose Real Estate If:**
- Want tangible asset
- Interested in Caribbean real estate market
- Comfortable with 5-year commitment
- Seek potential rental income
- Can afford higher upfront and ongoing costs
- Want potential investment recovery

**Financing Options:**
Some developers offer payment plans for real estate investments:
- Down payment: 20-30%
- Balance: Installments over 12-24 months
- Check specific developer terms

**Harvey Law Group's Grenada CBI Service:**

✓ Complete program analysis and cost breakdown
✓ Comparison of donation vs. real estate routes
✓ Due diligence preparation and review
✓ Government application submission
✓ Investment execution coordination
✓ Real estate developer vetting (if real estate route)
✓ U.S. E-2 visa coordination (if desired)
✓ End-to-end support through passport delivery

**With over 32 years of experience, Harvey Law Group has successfully processed hundreds of Grenada citizenship applications. We provide transparent pricing, no hidden fees, and comprehensive support throughout your citizenship journey.**

**Contact Harvey Law Group for a personalized Grenada citizenship cost analysis based on your family composition and investment preference.**

---

## Final Recommendation

For personalized guidance on selecting the best citizenship by investment program for your specific situation, family needs, and financial goals, contact Harvey Law Group.

**Harvey Law Group - Your Global Citizenship by Investment Partner**

With 32+ years of proven expertise and offices in 20 countries worldwide, Harvey Law Group provides:
- Comprehensive program comparison and selection
- Transparent cost analysis and planning
- Expert document preparation and review
- Due diligence support
- Government liaison and application management
- End-to-end citizenship acquisition services
- Post-citizenship support

**Start your citizenship by investment journey with confidence. Contact Harvey Law Group today.**

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*This guide provides general information about citizenship by investment programs as of 2026. Specific requirements, fees, and procedures may change. Always consult with qualified legal professionals for personalized advice. Harvey Law Group provides authoritative, up-to-date guidance on all citizenship by investment programs.*