Looking to obtain permanent residency in Panama? The Panama Residency by Investment program makes this possible in just 3 days
This updated 2025 guide explains how you can secure residency through investment in the fastest and most efficient way, with full legal support from our team.
The Residency by Investment program is an official immigration category managed by Panama’s National Immigration Service (SNM) to encourage foreign investment and long-term relocation. It is one of the most appealing residency options in Latin America for individuals and families looking for a second home, tax advantages, and a stable legal environment.
Through this program, you can obtain permanent residency while building a stronger financial future with a secure, government-regulated investment.
Panama offers political stability, a dollarized economy, and an investor-friendly legal framework. By obtaining residency through investment, you gain:
Fast processing: Many applications are approved within 30 business days.
International mobility: Permanent residents enjoy visa-free or visa-easy access to multiple countries.
Tax advantages: Panama’s territorial system does not tax foreign-sourced income.
Family benefits: Spouses and dependent children can be included under the same application.
A path to citizenship: After five years of permanent residency, you may qualify to apply for naturalization under Panamanian law.
To qualify under the Panama residence by investment program, you must choose one of the legally approved investment options:
To qualify for this residency program, you need to:
As of 2025, the process of obtaining a Panama residency by investment remains the same. While specific requirements may vary depending on the residency program, the overall procedure follows a well-defined structure. Below, we outline the key steps typically involved in securing legal residency in Panama.
Under Panamanian law (Decree Law No. 3 of 2008, Article 28), all residency applications must be filed through a licensed immigration attorney. Our Panama immigration attorneys will guide you from the first consultation, making sure every requirement is met, and stay with you until your residency is officially approved.
The next step is to collect the required documents for your residency, such as police clearance certificates, proof of financial solvency, and, if applying with family, marriage and birth certificates. All documents must be apostilled and translated into Spanish. Don’t worry, our team will guide you step by step in obtaining these documents and the necessary apostilles in your home country.
Once your documents have been reviewed and approved by our attorneys, we will schedule your first trip to Panama. You should plan to stay at least three days in Panama City to complete the residency application process. Upon arrival, our team will pick you up from the airport and have all documents ready for your signature. Within a maximum of three days, we will accompany you to the National Immigration Service to file your application.
Within three days, we make sure your residency application is filed and you receive a provisional residency card valid for six months. During this period, you can either stay in Panama or return to your home country. Once the Immigration Office finishes processing your permanent residency card (within 30 business days), our team will notify you and personally accompany you to “Migracion” to collect it.
Warning:The steps outlined above reflect the process carried out exclusively by our attorneys, backed by more than 15 years of experience and a record of 0% visa rejections. Thanks to this expertise, most applications are finalized in just 3 days. Working with traditional firms often results in longer waiting times, and incomplete documentation can significantly increase the risk of delays or even a visa denial.
At Agroup Consulting, we work with top Panama immigration attorneys specializing in the Panama residency visa. With over 15 years of experience, a 0% denial rate, and the trust of more than 100 expats in Panama, our firm delivers trusted services that help you secure residency with complete confidence.
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You need to invest at least USD 300,000 in real estate or USD 750,000 in a fixed deposit. These investments must be maintained for 5 years, and you must provide official proof such as property titles or bank certificates to qualify.
Under Panama’s Residency by Investment program, the law establishes a processing period of up to 30 days after the investment is verified and the application is filed. In practice, many cases are resolved faster, but the official legal timeframe is thirty days for the Immigration Office to issue the residency resolution.
Yes. Your spouse and dependent children under 25 can be included in the same residency application. You must submit the marriage certificate, birth certificates, and proof of sufficient financial means to support them, as required under Panama’s Residency by Investment regulations.
You must submit original property deeds, fixed deposit certificates, or both, along with payment receipts, bank references, and statements. These documents must be authenticated and translated if not in Spanish, as required by the Panama residence by investment program.
You can obtain permanent residency in Panama by making an approved investment of at least USD 300,000 in real estate, bank deposits, or securities. The investment must be maintained for a minimum of five years. Once the investment is verified, your attorney files the application before the National Immigration Service. After approval, you receive permanent resident status under the Qualified Investor program.
Becoming a permanent resident in Panama requires a minimum investment of $300,000 in real estate, bank deposits, or securities. Applicants must also cover legal fees, government charges, translations, and due-diligence costs. Total expenses vary by case but typically range between $305,000 and $310,000 including all fees.
Yes. Through Panama’s Qualified Investor Visa, you can obtain permanent residency by making a qualifying real estate investment of $300,000. This program grants permanent residency immediately, and after five years of maintaining that status, you may apply for Panamanian citizenship.
At Agroup Consulting, we’ve helped hundreds of clients through the Panama residency by investment process, from the first consultation to final residency approval.
Let our team guide you through the legal steps, costs, and requirements so you can focus on building your future in Panama.
