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XIPHIAS Immigration
Panama Residency by Investment via Real Estate
At a glance

Quick facts

Minimum investment $300,000; Typical timeline 2 months; 4 highlights

Minimum investment
$300,000
Currency: USD
Typical timeline
From application start
Highlights
  • Panama
  • Panama Real Estate Residency
  • Panama Residency by Investment
  • Panama Qualified Investor Visa
~10 sec

Quick eligibility check

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1Question 1 of 5 — Are you at least 18 years old and currently living outside Panama?
2Question 2 of 5 — Can you invest at least USD 300,000 in qualifying Panamanian real estate?
3Question 3 of 5 — Can you provide proof of a legitimate source of funds?
4Question 4 of 5 — If applying with family, are your dependent documents ready (birth/marriage/passports)?
5Question 5 of 5 — Can you travel to Panama for photo and fingerprinting if required?

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Program overview

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.

Investment overview

Applicants must invest at least USD 300,000 in qualifying real estate. The investment should be maintained for the required period (commonly 5 years).

You must also demonstrate that the investment funds come from a legitimate source and provide the required supporting documents.

Costs & proof of funds

Costs & funds

Program fees & proof of funds

Fees listed: 4 line items. Estimated totals: $300,060 (USD). Proof of funds items: 1.

Estimated program totals
USD: $300,060
Required proof of funds
USD: $300,000

Detailed fee table

Program fee breakdown with price, timing and notes.
ItemPriceWhenNotes
Minimum Real Estate Investment$300,000Before submission

Invest at least USD 300,000 in qualifying real estate under Panama’s Qualified Investor Permanent Residency route.

Investment Holding Period$60After approval

Maintain the qualifying investment for the required holding period (commonly 5 years).

Physical Presence (Maintain PR)$0Ongoing

To keep permanent residency active, visit Panama at least once every 2 years.

Government Fees$0At filing

Government fees are payable to the National Migration Service and National Treasury and may vary by case.

Swipe horizontally to see all columns.

We’ll share a personalized cost sheet after your pre-screen.

Proof of funds

  • Proof of Investment Funds$300,000

    Provide bank statements and supporting documents demonstrating legal source of funds for the real estate investment.

Required (USD): $300,000

Figures are indicative and may change with family size, project selection and program updates.

Eligibility

  • 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.

Key benefits

  • 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).

Application process

Process

How it works

  1. Step 1: Step 1 – Eligibility Assessment

    Contact XIPHIAS for a preliminary assessment and route selection based on your profile and goals.

    GuidedAvg. 2–4 weeks

  2. Step 2: Step 2 – Complete the Investment & Documentation

    XIPHIAS supports you in completing the qualifying real estate investment and assembling required documents.

    GuidedAvg. 2–4 weeks

  3. Step 3: Step 3 – File the Application

    Authorized local representatives submit the permanent residency application to the Panamanian authorities.

    GuidedAvg. 2–4 weeks

  4. Step 4: Step 4 – Background & Funds Verification

    Authorities verify background, source of funds, and investment compliance.

    GuidedAvg. 2–4 weeks

  5. Step 5: Step 5 – Approval & Permanent Residency Card

    Upon approval, you receive permanent resident status and a permanent residency card in Panama.

    GuidedAvg. 2–4 weeks

Who this program is NOT for

  • Failure to prove the lawful source of investment funds.
  • Criminal record or inadmissibility issues.
  • Non-qualifying or non-compliant real estate investment structure.

Not a match? Explore other programs in Panama.

Frequently asked questions

A residency-by-investment route that grants permanent residency after investing at least USD 300,000 in qualifying real estate.

Typically spouse, dependent children, and dependent parents (subject to dependency rules and documentation).

Processing commonly takes around 60–90 days, and a trip to Panama may be required for photo and fingerprinting.

To maintain permanent residency, you should visit Panama at least once every 2 years.

After 5 years of residency, you may be eligible to apply for Panamanian citizenship, subject to legal requirements.
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