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renewals

GENERAL PROVISIONS FOR RENEWALS


Renewals are due at varying intervals

And it does depend when your residency started, your nationality, old law or new law, and which category you are in. Suffice to say for those in the system the renewal date is indicated on the residency card below the photograph. For those in the process or considering applying for residency please note the following renewal periods:

All passive residencies are renewable after the first 2 years, then after the next 2 years, then 3 years and finally every 10 years from there. If you are French, Spanish or Portuguese your renewal periods will be 2 years, 3 years and every then 10 years thereafter.


Active residencies (Category D) are renewable after 1,2,2,2  and then every 10 years thereafter unless you are French, Spanish or Portuguese i which case it is 1,2,2 and then every 10 years.


Renewals can be done a month either side of the renewal date as a rule but this is one area where Immigration are quite flexible!


Strangely also you do not have to be present in Andorra for your renewal I can do all of that without you having to return to Andorra.

Renewals are increasingly becoming more complicated due to Immigration's ever changing interpretation of the law and the requirements. What used to be a straight forward exercise can now prove to be procedurally difficult in the details.
I have for many years warned residents against arbitrarily changing medical insurances and bank accounts without seeking advice. There are some minefields in there. If you scroll down to the bottom of this page I have included the latest change in interpretation of Immigration which in my opinion they have very wrongly decided to backdate. Please be aware if your renewal is due or will become so in the next year or so.

As an overview of renewals all documents that are required are obtainable locally, further police reports etc. that were required at the initial application are not required. Below is a list of what Immigration do require BUT there are a number of details in each of the requirements for which Immigrations requirements have changed. This is really due to prevent people either cancelling their rental contract and/ or medical insurance, keeping a minimal balance to keep the bank account open, and generally using residency without adhering to the requirements. I am constantly reminded that the law says at all times for the duration of your residency you must have full continuous medical insurance, and in fact in that one medical declaration there are THREE different types of insurance not just health insurance.

Renewals: More changes!






Recent changes are in red below
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REQUIREMENTS

I have only included the general requirements as the nuts and bolts are complicated to put on paper with a number of variations depending on the circumstances, but you will be required to produce in the correct format and with the details they require the following documents which are common to all types of renewal unless otherwise indicated:-
  • Residence certificate (ComĂș)
  • Copy of passport(s) if changed since last renewal
  • Completed and signed application(s)
  • Bank deposit certificate for 300/400/500 % of min wage (depending on the number of dependents) (Does not apply to Cat D active)
  • Health Insurance certificate(s) all THREE insurances must have been continous since application/last renewal * ( see Note 2 below) (Does not apply to Cat D active)
  • New Passport photo(s)
  • Rental payment (if applicable) - Ensure you have your FULL name and FULL address as the reason for transfer (Does not apply to Cat D active). Note that:- As of October 2019 for any new rental contracts they MUST be in the name of the principle applicant ONLY. A joint rental contract now between husband and spouse is likely to be refused- Please do not ask me for the logic here.
  • If you have purchased the property, a Notary certificate to prove continuing ownership.
  • The last electricity bill from the company *( see NOTE 1 below) and also the bank payment receipt for that invoice. (Does not apply to Cat D active)
  • School letter(s) if with children which covers all of the years since application/last renewal
  • Current Residency card (s)
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If you had residency prior to 2012 the above is all you will require, if under the "new" law of 2012 then you will need, depending on category:-

  • If under Category A you must also provide continuing proof of the extra investment in place and without any gaps, whether bank funds, property investments or the increasingly popular investment in the share capital of a  local company.

  • If under Category B then you will need to produce all of the accounts and annual returns for the company. This has also been expanded to require proof that the invoices issued were for companies outside Andorra ( Minimum 85%), and also to prove whether or not you have a local employee. This category is now extremely complicated for renewal.

  • If under Category C they need continuing proof of your current professional career with written contracts.

  • If in Category D you will need the points indicating your CASS contributions and also the previous year company tax return. If that is not yet available then you will be required to sign an undertaking to present them to Immigration when thay have been submitted.

* NOTE 1 :  They used to accept phone bills, now they will only accept the last electricity bill, and it must be in your name and not in that of the owner for example. If your renewal is becoming due and you do not have an electricty bill in your name, then get one organised !

* NOTE 2  The three insurances are illness, incapacity and old age (pension plan). We can obtain all of these policies in Andorra where the declaration is guaranteed to be signed and the cost for all three insurance will start at around 1,700 euros annually. Please note that the pension plan portion of the insurance is fully refundable with profits at your 60th birthday. Residents under 18 and over 60 years old only require health insurance which can start at around 1,300 euros. If you have existing medical cover from an International insurer it may be possible to use this for medical and incapacity but Immigration are now making this very difficult administratively, it is best to speak to me first.


Changes to the wording of the bank certificates - IMPORTANT

It was considered that new requirements dictated by Immigration and backdated had been solved but there potentially may remain an issue which you all as passive residents may need to address before your next renewal. The new requirements involve the bank certificate and the 300%, 400% etc of the minimum salary that is required for renewals for passive residents (only).


Originally Immigration required the bank to state that as of "today"( the issue of the bank certificate) there is in the account  the percentage of funds required. Now after a long struggle with the banks to agree on wording  they have decided to require the banks to state that in each of the past (however many) years since the last renewal there must have been annual "ingressos" into the account equivalent to the percentage required. "Ingressos" can be defined loosely as funds paid in, Immigration had demanded that the banks state "rendes" or earned income : The banks stated clearly to Immigration that they could have no knowledge of the source of funds and could not be drawn to make that statement. Immigration therefore insist on the word "ingressos" in each of the years since the last renewal. In practice this means that all transfers into the account, regardless of source or purpose, and any investments on account have to add up to more than the percentage required in each year so the bank can conform to this new wording.


Alternatively if you have had bank investment funds then it may be possible for the bank to issue the certificate, you need to speak with the bank as early as possible before your next renewal  if you think you may struggle with this requirement.


The important date in considering funds for that particular year is the date of the last bank certificate which in each case I need to obtain from Immigration and I will notify you. This date is an important part of the wording for Immigration, but for your rough calculations it may be assumed that it is a few weeks prior to the issue of your current card. No funds have ever been intended or required to be blocked on account as some banks have insisted on as Immigration accept that the funds are income and is there to be spent but they wanted to strengthen the requirement for proof of annual income  as required under the wording of the law.

So where does that leave the passive resident who is as always facing renewal ? For those facing 2 and 3 year renewals there is now NO flexibility and you will be refused renewal.

For those facing a 10 year renewal and under the old law ( which changed in July 2012) and where the bond was 30,000 euros you will be affected if you have not had investment funds or deposits or turnover on the account for each of the years since the last renewal date. For those of you, as we were all told we could do, who have kept a bare minimum balance over the years and have as done before only transferred the funds to the bank for the issue of the bank certificate under the old "today" rule, you may this renewal have a problem with the  balance on the previous 2 or more years. There may be a solution for this first renewal under the "ingressos" rule but it does involve remitting funds to satify the requirements but you need to speak directly to your account manager. For some this may be a more than annoying decision by Immigration and the fact that it is back dated arbitrarily is unjust and probably unlawful but until someone brings this before a judge, there are no avenues of appeal. There is also a possibility of a foreign bank certificate and also even a tax return in a third country if it serves to prove the minimum income requirement. NOTE:- For those who are facing one of the 10 year renewals where you were under the old residency scheme they have shown compassion (!) and there may be flexibility but this is not guaranteed. For those on 2 or 3 year renewals there is now no longer any flexibility and your renewal will be refused.

For the future the banks clearly expect you  to pass through the account during each year more than the equivalent minimum salary percentage required, and for those facing renewal next year I would advise a transfer in as soon as possible to cover this calendar year. As stated above it does not need to stay in the account and can be spent each year but you may need to act now.


The Andorran minimum wage 2022


The increases in the Andorran minimum wage have been announced and that increase will affect the requirements for passive residents who are required to keep from 300% of the minimum wage upwards depending on the family dependents.
Passive residency bank requirements
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Let Jane take the strain

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