POSTERN

Panama

Visa de Inversionista Calificado. Panama's golden-visa route to immediate permanent residence, real estate, securities, or a fixed-term deposit.

Free · The law behind every answer · Checked Sep 27, 2026

Visa de Inversionista Calificado

Immediate permanent residence, no temporary phase.

Who qualifies

You keep your U.S. citizenship.

1

Does it fit your family?

One question, from the program’s own rules.

Savings you could move or invest?

Not legal advice.

2

What it takes.

Investment
About $300,000.
Time
About 30 days, one of the fastest in the region.
Cost
About $3,000–5,000 in government and legal fees plus the investment.
The hard part
The $300,000 real-estate threshold is set to rise to $500,000 after October 15, 2026, and whichever route you pick must be held 5 years.

Dollar figures are converted from the local currency at the rate the program’s research used; the official figure is in the local currency.

3

Citizens by 2033.

If your first permit is issued in 2027 and you keep living there, this is the road.

  1. 2027
    First residence permit

    10 years, renewable for 10 years at a time.

  2. 2032
    Apply for citizenship

    With a language test and a civics test.

  3. 2033
    Citizenship
Language
Spanish, tested by the Electoral Tribunal.
Civics
An Electoral Tribunal exam on Panama's history, geography and political and administrative organisation.
Time away
Five consecutive years counted from the resolution granting permanent residence. Migration checks your entries and exits to confirm the residence was continuous.
Two passports
It depends on the rules at the time and on your home country.
  • Permanent from the start with no stay needed to keep it, but citizenship needs five consecutive years of real residence counted from the grant, checked against your entries and exits.
  • Renunciation: the Constitution and the application form require an express, irrevocable renunciation of your old nationality, and at the oath you renounce all ties to it. Panama does not require proof that the home country accepted this, so whether you keep your old passport depends on your home country.
  • Spaniards and Latin Americans by birth can instead meet whatever their own country asks of Panamanians (reciprocity, Constitution art. 10(3)). The years vary by country and are not listed here.
  • The widely quoted rule of 180 days a year in Panama during the five years comes from secondary sources; I did not find it in Decree-Law 3.
  • No official decision time found.
  • Pensionado and qualified-investor residence are permanent from the start according to the migration service's and MICI's requirement sheets, seen in search results but not opened today.
  • How long the decision takes isn’t published; we allow a year.
  • Whether you can keep your current citizenship depends on the rules at the time and your home country.
The law behind these dates
4

Living there.

Time you must spend there
None; minimal physical-presence requirement is one of its selling points.
Tax
Territorial taxation; foreign-source income is untaxed.

We never file a tax return. We tell you what applies and brief the professional who does.

5

Start today.

  1. Pick an investment route, ideally real estate before the October 2026 price rise, and engage a Panamanian immigration attorney.Open kraemerlaw.com ↗
  2. Round up the papers.
    • Proof of the funds to invest: about $300,000, and where they came from
    • Request your FBI Identity History Summary
    • Health cover for the move
6

Or let us run it.

$900for your first year as a founding member. Then $399 a year, automatically.Standard first year: $1,200. Everyone renews at $399.One membership, the whole family. Accounts and activation included.

17 steps, from the first paper to the passport. You do 4 of them: send what we ask for, sign, and show up. We run the rest, and keep every permit renewed on time. Accounts and activation are included, whether you move now or keep the plan ready. Accounts depend on provider availability. Government, record and approved third-party charges are extra.

Run it for my family →
7
ISSUED TO

YOUR FAMILY

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