Residency & Golden Visas / Panama / Route
Panama · Investment route
Secure Panama permanent residency by investing in qualifying real estate. Fast-track approval, family inclusion, and expert guidance from XIPHIAS.
Last updated: 2026-01-19
Programme overviewنظرة عامة
By investing at least USD 300,000 in qualified real estate in Panama, foreign investors can obtain permanent residency through the country’s Qualified Investor Permanent Residency route.
This route is designed for applicants seeking a stable, business-friendly jurisdiction with flexible presence requirements and a clear path to long-term status.
What you getالمزايا
Permanent residency through qualifying real estate investment.
Low stay requirement: keep status active with a visit at least once every 2 years.
Family inclusion: spouse, dependent children, and dependent parents (subject to dependency rules).
Foreign-sourced income is generally not taxed under Panama’s territorial tax system.
Opportunity to rent out the investment property.
Eligibility to apply for citizenship after 5 years of residency (subject to legal requirements).
Investment & costsالتكاليف
Qualifying investment
Minimum Real Estate Investment
Before submission · Invest at least USD 300,000 in qualifying real estate under Panama’s Qualified Investor Permanent Residency route.
Investment Holding Period
After approval · Maintain the qualifying investment for the required holding period (commonly 5 years).
Physical Presence (Maintain PR)
Ongoing · To keep permanent residency active, visit Panama at least once every 2 years.
Government Fees
At filing · Government fees are payable to the National Migration Service and National Treasury and may vary by case.
Government & due-diligence fees
Figures are indicative and exclusive of professional fees. Your advisor confirms an exact, written cost breakdown for your family size.
Eligibilityالأهلية
Requirements
Be at least 18 years old and legally admissible.
Clean police clearance certificate (apostilled/authenticated as required).
Qualifying real estate investment of at least USD 300,000.
Maintain the qualifying investment for the required holding period (commonly 5 years).
Valid passport (minimum 6 months validity recommended).
Health certificate from an authorized doctor.
Proof of lawful source of funds and completed application forms.
Proof of funds
Who cannot apply
Failure to prove the lawful source of investment funds.
Criminal record or inadmissibility issues.
Non-qualifying or non-compliant real estate investment structure.
The processكيف نعمل
Step 1 – Eligibility Assessment
Contact XIPHIAS for a preliminary assessment and route selection based on your profile and goals.
Step 2 – Complete the Investment & Documentation
XIPHIAS supports you in completing the qualifying real estate investment and assembling required documents.
Step 3 – File the Application
Authorized local representatives submit the permanent residency application to the Panamanian authorities.
Step 4 – Background & Funds Verification
Authorities verify background, source of funds, and investment compliance.
Step 5 – Approval & Permanent Residency Card
Upon approval, you receive permanent resident status and a permanent residency card in Panama.
Document checklistالوثائق
Identity & Civil
Documents may require apostille/authentication and certified translation.
- ✦Valid passport (all applicants)
- ✦Passport-size photos
- ✦Marriage certificate (if applicable)
- ✦Birth certificates for children
Police & Health
Requirements depend on where you apply and your country of residence.
- ✦Police clearance certificate (apostilled/authenticated)
- ✦Certificate of good health (issued recently)
Investment & Funds
Must demonstrate the investment funds’ legitimate source.
- ✦Proof of real estate investment (purchase contract/title/registration as applicable)
- ✦Bank statements and proof of lawful source of funds
- ✦Proof of payment of government fees
Dependents (if applicable)
Dependency requirements may vary for adult children and parents.
- ✦Relationship proof (marriage/birth certificates)
- ✦Proof of dependency for adult children (student status/financial dependency)
- ✦Dependency proof for parents
Your XIPHIAS advisor prepares a personalised document list at onboarding. The checklist above is indicative and may vary by family size.
Family scopeالأسرة
All eligible dependants can be included in one application or added after approval.
Age limits, dependency definitions, and addition fees vary by jurisdiction. Your advisor confirms exact rules at onboarding.
Approved projectsالمشاريع
Qualified Real Estate Investment
Invest in approved residential or commercial property that meets the program rules.
Project availability and inventory change. Your advisor confirms current options and any exclusive allocations at onboarding.
Risk notes
Residency and investment rules may change; ensure documents and investment structure are compliant at filing.
Failure to meet the minimum visit requirement may impact the ability to maintain permanent residency.
Market, political, or economic conditions can affect investment performance and timelines.
Questionsأسئلة شائعة
This route, answered.
A residency-by-investment route that grants permanent residency after investing at least USD 300,000 in qualifying real estate.
Start the Panama route.
A senior advisor will confirm the exact costs, timeline and documents for your case — privately, and entirely off the record.