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💡 How we calculate this:
- Visa application fee is set by Residency Malta and is non-refundable
- Document costs include apostille, translations, and police clearance (varies by country)
- Rent estimates based on 1-bedroom apartments in Sliema/St. Julian's area
- Health insurance is mandatory — budget €700-1,500/year depending on coverage
- Living costs assume modest lifestyle (groceries, transport, basic entertainment)