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Residency by Investment
Panama Residency By Investment
Panama is consistently ranked among the best places in the world to retire and invest. With a US dollar-based economy, excellent connectivity, 23+ free trade agreements, and over 180 multinational companies operating within its borders, Panama is a global business hub with exceptional lifestyle offerings.
Panama’s legal infrastructure allows qualified foreign nationals to obtain permanent residency and later full citizenship — without physical stay requirements, in a short timeframe, and via secure, low-risk investment vehicles.
Key program details
Visa-free countries (after citizenship): 148
Average processing time: 1 month
Minimum Investment: $200,000 USD
Residency requirement: No physical stay required but it is recommended to visit Panama at least once every 2 years.
Leads to citizenship: Yes, after 5 years.
Investment holding period: 3 years
Eligible Family Members:
- Spouse
- Children under 25 years old.
- Parents of any age
For personalized assistance, contact ROC Citizenship & Immigration to schedule a free consultation. Our team will assess your eligibility and guide you through every stage of the application process.
Benefits of Panama Residency
- Immediate Permanent Residency PR in ~30 business days
- Remote application possible – no travel to Panama required.
- One visit is needed to collect the PR card (Biometrics).
- Minimal physical stay requirement: Maintain PR by Visiting Panama once every 2 years.
- Family Inclusion: spouse, children (under 25), and parents of any age.
- Multicurrency stability with USD-Based economy.
- Access to the central, south, and north American Markets.
- The right to live, work, and study in Panama.
- Path to citizenship: Eligible to apply for citizenship after 5 years (No physical presence required for naturalization, but strong economic and social ties must be shown (e.g., property, bank accounts, visits). And after 7 years through the friendly nations visa.
- After naturalization, you will have the eligibility to apply for Spanish citizenship after legal residence in Spain of 2 continuous years only.
Investment Options
Qualified Investor
- $300,000 USD – Real estate (including off-plan)
- $500,000 USD – Panama Stock Exchange investment
- $750,000 USD – Fixed-term deposit in a Panamanian bank
Friendly Nations Visa
Open to passport holders from “friendly nations”
- Invest in real estate or Bank CD – $200,000 USD (held for 3 years)
Pensionado (Retirement) program
Tailored for retirees with lifelong income, seeking a peaceful and affordable destination with strong expat communities.
- No investment required or asset requirement, but to prove pension income of $1,000/month for life.
Application Process
- Choose Investment
- Prepare documentation
- Make the investment and submit the application
- Application is reviewed and processed in about 30 business days.
- Biometrics and PR card collection
- Maintain residency
- By visiting Panama at least once every 2 years to keep your PR valid.
- Path to citizenship