🏠 Immigration & residency · data checked on 28 Oct 2026

Buying or renting a home in Panama as a foreigner

You do not need residency to rent or buy. But the home you choose can help you get it, and residency makes banking and mortgages easier.

Panama Golden Visa: residency by investment (Panama Vault) → Free consultation

Who is it for?

Foreigners who want to rent while settling in or buy to live or invest.

Key facts · data checked on 28 Oct 2026

Legal limit

Foreigners and companies with foreign capital cannot acquire land within 10 km of the borders (art. 291 of the Constitution)

Pensionado

With a home of your own worth over B/.100,000, the minimum pension drops to B/.750

Friendly Nations

Property worth at least B/.200,000 (local bank financing allowed)

Qualified investor

New property B/.300,000 or resale B/.500,000

Renting

You can rent with a passport; landlords and banks often ask for references and sometimes a residence card

General requirements

• Before signing, check the property at the Public Registry (owner, liens) and work with a broker licensed by the Junta Técnica de Bienes Raíces.
• For a mortgage, each bank sets the down payment and requirements for foreigners: compare them in our banks guide.
• If you buy for residency, confirm with your lawyer that the property and its registered value qualify.

Next step

Private consultation with Panama Vault

This form is sent to panamavault.com: a consultant reviews your case confidentially and contacts you through the channel you choose. After sending you will see the confirmation on their site.

Website

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Main goal*

Residency by investment / Golden Visa Protect family wealth with a Private Interest Foundation Tax optimisation / territorial taxation Crypto asset protection Succession and inheritance Escudo 360 full plan

Approximate wealth to structure*Select…Under USD 250kUSD 250k – 500kUSD 500k – 1MUSD 1M – 5MOver USD 5M Timeline*Select…Immediate3–6 months6–12 monthsExploring options

Preferred contact channel*

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FAQ

Can a foreigner buy a home in Panama?

Yes. The only constitutional restriction is that foreigners and companies with foreign capital cannot acquire land within 10 km of the borders. It does not apply in Panama City.

Does buying a property give me residency?

It can be part of it: Friendly Nations accepts a B/.200,000 property and the qualified investor regime from B/.300,000 (new). Buying alone does not grant residency: you must apply.

Official sources (data checked on 28 Oct 2026): MINGOB/ONPAR – Vivienda, tierra y propiedad (art. 291 de la Constitución) · SNM – Países Específicos (inmueble B/.200,000) · MICI – Inversionista Calificado (DE 17 de 2026)

General information, not legal advice. Rules and fees change: confirm them with the National Immigration Service or a lawyer before deciding. Where it says "ask", the authority does not publish that information and we do not make it up. TuHogar en Panamá is not a law firm or an immigration agency.