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Panama permanent residency by investment

Panama permanent residency by investment

Full asset confidentiality, zero tax on foreign income, and no minimum stay requirements

  • Investment amount: from USD 300,000
  • Processing time: from 1 month
  • Remote application available

Unlock your options — consult with an expert today

About the program

The Panama permanent residency by investment program offers several options for obtaining residency status: real estate investment, bank term deposits, stock market investments, or business creation. The program has no minimum stay requirement — a single visit every two years is sufficient to maintain residency status. Residents enjoy full exemption from taxes on income earned outside Panama, making it an attractive option for global investors seeking stability and flexibility.

Advantages of obtaining Panama permanent residency

World-class healthcare and education Residents enjoy equal access to high-quality healthcare and education on the same terms as Panamanian citizens.
Permanent residency from day one The investment program grants permanent residency immediately after application approval, allowing investors to benefit from all resident rights right away.
One visit every two years To maintain residency, it’s enough to visit Panama for just 24 hours every two years — ideal for digital nomads and investors seeking maximum flexibility.
Whole family in one application The program allows the inclusion of a spouse, children up to 25 years old, and parents of any age under one application, making relocation simple and convenient for families.
Zero tax on foreign income Residents are fully exempt from taxes on income earned outside Panama — a key advantage for entrepreneurs focused on global business and tax efficiency.
US dollar-based economy Panama’s use of the US dollar eliminates currency risks and ensures financial stability, offering predictable and secure investment conditions.

The opportunities that come with Panama permanent residency

A secure “Plan B” for your family

Panama offers convenient global access with direct flights from the US and proximity to Latin America. Residency covers spouses, children, and parents — providing a reliable base for the entire family in a country with a stable US-dollar economy and modern infrastructure.

Access to international banking

As a major global banking hub with strict confidentiality laws, Panama offers residents simplified account opening for international transactions. The Colón Free Trade Zone also provides opportunities for duty-free commerce and global business operations.

Tax optimization for businesses

Panama’s territorial tax system exempts residents from taxes on income earned abroad. Its strategic location and access to the Panama Canal make it an ideal hub for managing global assets with minimal tax exposure.

Get the guide to Panama permanent residency

Get the guide to Panama permanent residency

  • Step-by-step process for applicants
  • Specific requirements and financial costs
  • Ready-made strategy for obtaining residency
  • Updated 2025 program details
Get the guide

Who is eligible to get permanent residency in Panama

  • Real estate investors
  • Entrepreneurs with global businesses
  • High-net-worth retirees
  • Digital business owners
Real estate investors

Real estate investors

Panama’s property market shows steady growth with yields up to 5.48%. Prime locations include Panama City, Coronado, and Playa Bonita. Investments can generate stable passive income, and securing PR through property purchase streamlines legalization.

Entrepreneurs with global businesses

Entrepreneurs with global businesses

Proximity to Colombia, Ecuador, and Venezuela provides direct access to Latin American markets. Residents benefit from zero tax on foreign-sourced income. The Panama Canal enhances logistics, and PR supports international business expansion.
High-net-worth retirees

High-net-worth retirees

Panama appeals with a low cost of living, tropical climate, quality private healthcare, and an active English-speaking community. The Pensionado program offers discounts on services and transport. PR ensures comfortable living in a secure environment.

Digital business owners

Digital business owners

Panama offers robust IT infrastructure, high-speed internet, and a convenient time zone for serving clients in the US and Europe. The territorial tax system allows you to work with international customers without taxes on foreign income.

A secure Latin American plan B for uncertain times

A secure Latin American plan B for uncertain times

  • Protect your family and assets in a stable, dollar-based jurisdiction
  • Access international banking and financial instruments
  • Benefit from a territorial tax system with no reporting on foreign income
  • Enjoy a personalized approach and complete confidentiality

Unlock your options — consult with an expert today

Investment options

Real estate investment

The Qualified Investor program grants PR immediately with a property purchase from USD 300,000 (rising to USD 500,000 after October 2026). Requirements: a direct purchase or an irrevocable trust with the developer, and an unencumbered asset. The property must be held for 5 years to maintain status.

Bank term deposit

A conservative route: a USD 750,000 deposit with a bank holding a general license, placed for 5 years with proof of source of funds. Low risk, fast processing, and no in-person visit required — ideal for for stability-minded investors.

Panama Stock Exchange investment

Invest USD 500,000 in securities via a licensed local broker and hold for 5 years. A dynamic option for portfolio diversification with potential dividends. All transactions are tightly regulated.

Company formation with investment

Incorporate a Panamanian company with USD 500,000 in foreign capital and active operations within the tax system. The company must be maintained for 5 years. Suited to entrepreneurs expanding into Latin American markets.

Investment costs

Expense item
Real estate
Bank deposit
Stock exchange
Company formation
Investment
USD 300,000
USD 750,000
USD 500,000
USD 500,000
Administrative fee
USD 3,000
USD 3,000
USD 3,000
USD 3,000
Fee per family member
USD 1,500
USD 1,500
USD 1,500
USD 1,500
Property transfer tax (2.5%)
USD 7,500
—
—
—
Total
USD 320,000
USD 764,500
USD 516,500
USD 519,500

Get a personalized strategy for obtaining Panama permanent residency

A Mirsatori specialist will create a tailored plan for securing your residency status, providing a detailed analysis of each step while considering your family composition, investment amount, and all official fees and related expenses.

Get your strategy 
Investment plan

Who can apply for Panama permanent residency

Spouse or partner

  • In an officially registered marriage or civil partnership

Children under 18

  • Including children from previous marriages

Adult children up to 25

  • Unmarried, childless, and enrolled in full-time education

Children of any age with disabilities

  • Eligible without additional conditions

Parents of any age

  • Financially dependent on the main applicant

Step-by-step plan for obtaining permanent residency

Step-by-step plan for obtaining permanent residency

Due diligence and eligibility assessment

3 business days

Mirsatori specialists conduct a preliminary background check and assess the applicant’s compliance with program requirements. The review includes verification of financial history and reputation. The results help determine the most suitable residency option.

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Document preparation and application submission

From 2 weeks

Mirsatori lawyers prepare the full document package according to immigration authority requirements, including apostille, Spanish translation, and notarization. All documents are carefully reviewed to ensure full legal compliance.

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Application review and approval

From 3 weeks

Qualified Investor applications receive approval within 21 days under VIP processing. The application status is monitored in real time, and clients receive updates at every stage.

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Making the investment

After approval

Under Mirsatori’s supervision, funds are transferred from abroad and applied toward a property purchase or term deposit. Supporting documentation is prepared and submitted to the immigration authority promptly.

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Resident ID card (Cédula) issuance

One visit of 2–3 days

The investor must be present in person for biometrics and issuance of the resident ID card. During this visit, we also arrange opening a bank account and obtaining a driver’s license. The Mirsatori team organizes and escorts the visit end to end.

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Panama permanent residency: comparative analysis

Category
Panama PR Panama PR
Cyprus PR Cyprus PR
Malta PR Malta PR
Turkey RP Turkey RP
Minimum investment
from USD 300,000
from EUR 300,000
from EUR 182,000
from USD 200,000
Family inclusion
yes
yes
yes
yes
Validity period
permanent
permanent
permanent
from 1 year
Processing time
from 1 month
from 9 months
from 3 months
from 2 months

Residency by investment: alternative programs

Country Cost Processing time Benefits
Cyprus Cyprus
Cost from EUR 300,000
Processing time from 9 months
Benefits
  • Fast application process
  • EU residence status
  • Acquisition of high-value real estate
Learn more
Malta Malta
Cost from EUR 182,000
Processing time from 3 months
Benefits
  • Ownership of premium real estate
  • EU residence permit
  • Residency for family members
Learn more
Turkey Turkey
Cost from USD 200,000
Processing time from 2 months
Benefits
  • 1-year residence permit with the option to extend
  • Citizenship after 5 years of residence
  • Residency for all family members
Learn more
See all programs

FAQ

What is the minimum investment required to participate in Panama’s PR program in 2025?

The program requires an investment of USD 300,000 (after October 2026 — USD 500,000) in real estate, USD 500,000 through the stock exchange, USD 500,000 via company formation, or USD 750,000 in a bank term deposit. Additionally, government fees of USD 5,000 apply, plus USD 2,000 for each financially dependent family member for real estate investors.

How fast can PR be obtained in Panama?

The real estate investment program provides permanent residency within a timeframe starting from 1 month, with VIP processing by the immigration authority.

Is it necessary to live permanently in Panama to maintain PR status?

There are no strict residence requirements — it is enough to visit the country for 24 hours every two years. This makes the program ideal for international investors who do not wish to change their usual lifestyle.

Who can be included in the PR application?

The application can include:

  • a spouse or registered partner,
  • children under 18,
  • unmarried full-time students under 25,
  • children of any age with disabilities,
  • parents and grandparents of any age who are financially dependent on the investor.

Can the investment be withdrawn after obtaining PR?

Investments must be held for a minimum of 5 years. After this period, the property can be sold while maintaining residency status. Bank deposits are also released after 5 years.

Does Panama PR lead to citizenship?

Yes, after 5 years of permanent residency, you can apply for naturalization. You must demonstrate ties to the country, basic knowledge of the Spanish language, and pass an interview. Citizens of certain Latin American countries and Spain can obtain citizenship after 1–3 years.

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Schedule a meeting with our specialists, in-office or online, and receive a tailored case analysis, a clear cost estimate, and the best solution to achieve your goals.

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