Learn how to obtain permanent residency in Panama in 2025 through real estate investments, fixed-term deposits, or mixed investments. Requirements, modalities, and benefits explained step by step.
Residency based on financial solvency in Panama is an immigration permit that grants permanent residency to foreigners who demonstrate financial solvency through a minimum investment of B/.300,000.00, either in real estate, a fixed-term deposit, or a combination of both, with funds from abroad.
Types of Investment accepted
- Real Estate Investment
Program Objective
The Permanent Resident Permit for Reasons of Economic Solvency through Investment in Real Estate allows foreigners to establish legal residency in Panama by investing a minimum amount of B/.300,000.00 in unencumbered real estate, also demonstrating that the funds originate from abroad.
Who can apply?
Any foreigner who invests in real estate within Panamanian territory, meeting the established amounts and requirements, and wishes to establish permanent residence.
Main requirements
- Notarized power of attorney with application (includes nationality and names of the applicant’s parents).
- Three (3) photographs.
- Duly verified passport (authenticated or notarized).
- Criminal Record Certificate.
- Health Certificate.
- Checks:
- B/.250.00 to the National Treasury
- B/.800.00 to the National Immigration Service
- Criminal Record Certificate.
- Certification from the Public Registry that proves:
- The ownership of the real estate in the personal name of the applicant.
- That the property is free of encumbrances.
- Minimum value: B/.300,000.00
Cases with dependents
B/.2,000.00 must be added for each dependent, which can be justified by bank reference. They must also present:
- Letter of responsibility
- Proof of kinship
- Proof of address
- Certificates of single status and studies (if you are of legal age)
Allowed exceptions
- Real estate in the name of private interest foundations where the applicant and their dependents are beneficiaries
- Partial financing of the property, if the applicant has already paid B/.300,000.00 and the value of the property is higher.
- Real estate in the name of corporations with nominal shares in the name of the applicant (bearer shares are not permitted).
Permanent residence
It can be requested after two years with the same requirements, excluding criminal records and checks.
2. Financial Solvency – Fixed Term Deposit
Program Objective
This permit allows you to obtain permanent residency through a fixed financial investment, without the need to purchase property.
Who can apply?
Foreigners who deposit B/.300,000.00 or its equivalent in foreign currency in a fixed-term account for three years, in a bank with a general license in Panama.
Main requirements
- Notarized power of attorney with application (includes nationality and parents’ names).
- Three (3) photographs.
- Properly verified passport.
- Criminal Record Certificate.
- Health Certificate.
- Checks:
- B/.250.00 to the National Treasury
- B/.800.00 to the National Immigration Service
- Affidavit of criminal record.
- Bank certification indicating:
- Opening of the deposit for B/.300,000.00
- Minimum duration: 3 years
- Free of liens
- Certified copy of the certificate of deposit
Cases with dependents
Increase investment by B/.2,000.00 per employee, in addition to presenting:
- Letter of responsibility
- Proof of kinship
- Proof of address
- Additional certificates if you are over 18 years old
Permanent residence
It can be requested after two years, meeting the same requirements, except for criminal records and checks.
3. Economic Solvency – Mixed Investment
Program Objective
This option allows for combining investments in real estate and bank deposits to reach the minimum amount required by law, provided the funds come from abroad and are free of encumbrances.
Who can apply?
Any foreigner who invests B/.300,000.00 in a combination of:
- Real estate
- Fixed-term deposit in a local bank
Main requirements
- Notarized power of attorney with application (names and nationality of parents).
- Three (3) photographs.
- Properly verified passport.
- Criminal Record Certificate.
- Health Certificate.
- Checks:
- B/.250.00 to the National Treasury
- B/.800.00 to the National Immigration Service
- Affidavit of criminal record.
- Bank certification proving:
- Fixed-term deposit of at least three years
- Total amount added with property: B/.300,000.00
- Free of liens
- Certified copy of the deposit certificate
- Public Registry Certification:
- Prove ownership of the property
- Indicate that it is free of liens
Cases with dependents
Investment increased by B/.2,000.00 for each one. In addition:
- Letter of responsibility
- Proof of kinship
- Proof of address
- Certificates of studies and single status if you are of legal age
Exceptions allowed
- Real estate in the name of foundations: the status of founder or beneficiary must be proven
- Real estate in the name of companies: shares must be nominal and owned by the applicant or dependents
Permanent residence
After two years, you can apply without having to submit your criminal record or checks again.
Advantages of the program
- Access to permanent residency without having to live continuously in Panama.
- Safe and varied investment alternatives.
- Possibility of including the family with clear and reasonable requirements.
- Basis for applying for Panamanian citizenship after the legal period.
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