HomeInvestment ProgramsQualified Investor Visa

Qualified Investor Visa

The Qualified Investor Visa offers permanent residency through investment in Panamanian real estate, fixed-term deposits, or securities. As the official government partner, Mercan provides direct access to this fast-track program.

$300,000

Investment

30 business days

Timeline

~12 Mo

Citizenship Processing

Official Government Partner

Qualified Investor Visa at a Glance

Last verified: 30 July 2026

Qualifying investment options, processing time, hold period and citizenship timeline for the Qualified Investor Visa.
ItemFigureDetails
Real Estate investment$300,000Purchase property in Panama (debt-free). Generate rental income while building equity. Must be maintained for 5 years. Most popular choice.
Fixed-Term Deposit investment$750,0005-year term deposit in a Panamanian bank. Safe, predictable returns with no management required. Note: opening bank accounts may take additional time.
Securities investment$500,000Investment in Panama Stock Exchange securities. Diversified portfolio managed by licensed brokers. Must be maintained for 5 years. Note: processing financial instruments may take additional time.
Residency processing time30 business daysPermanent residency in up to 30 business days
Investment hold period5 yearsInvestment must be maintained for 5 years
Visits required1 visit to Panama every 2 years1 visit to Panama every 2 years to maintain status
Citizenship timelineapproximately 12 months processingPath to citizenship (approximately 12 months processing)
Government of Panama

In Partnership With Ministerio de Comercio e Industrias

The Government of Panama is proud to partner with Mercan Group to actively promote the Qualified Investor Program worldwide. Through this collaboration, Mercan Group leverages its global network and over 37 years of experience in investment and immigration to support the program's success.

Direct government liaison
Priority processing
98% approval rate

Key Benefits

Permanent residency in up to 30 business days
No nationality restrictions
Path to citizenship (approximately 12 months processing)
Investment must be maintained for 5 years
Only 1 visit to Panama every 2 years required
Include spouse, children, and dependent parents
Investment can generate returns
Official government partnership through Mercan

Requirements

$300,000 USD minimum investment (real estate)
Investment must be maintained for 5 years
1 visit to Panama every 2 years to maintain status
Clean criminal record
Must be over 18 years of age
Funds must originate from abroad

Family Reunification

Bring your family to Panama with you

Spouse

Unmarried children under 18

Unmarried children aged 18-25 (if dependent full-time students)

Parents (if financially dependent on applicant)

Choose Your Investment Path

All options qualify for the Qualified Investor Visa

Most Popular

Real Estate

$300,000

Purchase property in Panama (debt-free). Generate rental income while building equity. Must be maintained for 5 years. Most popular choice.

Rental income potential
Capital appreciation
Tangible asset

Fixed-Term Deposit

$750,000

5-year term deposit in a Panamanian bank. Safe, predictable returns with no management required. Note: opening bank accounts may take additional time.

Guaranteed returns
No management
Highly liquid after term

Securities

$500,000

Investment in Panama Stock Exchange securities. Diversified portfolio managed by licensed brokers. Must be maintained for 5 years. Note: processing financial instruments may take additional time.

Portfolio diversification
Professional management
Market returns

Not sure which option is right for you? Schedule a free consultation

How to Apply

Streamlined application through our government partnership

Total Timeline:
6-8 weeks to residency
1

Free Consultation

1-2 daysWe handle this

Discuss your goals with our team. We assess eligibility and recommend the best investment option.

2

Complete Investment

2-4 weeksCollaborative

Finalize your chosen investment (property purchase, bank deposit, or securities). Note: bank deposits and securities may take longer as opening bank accounts and processing financial instruments follow a distinct timeline from real estate purchases.

3

Document Submission

1 weekWe handle this

We prepare and submit your complete application package to the National Immigration Service.

4

Biometrics Visit

1 dayYour action

Single visit to Panama for photos and fingerprints. Takes approximately 2 hours.

5

Receive Residency

30 business daysWe handle this

Obtain your Permanent Residency card. Mercan handles all follow-up with immigration.

Frequently Asked Questions

How often do I need to visit Panama?

You must visit Panama at least once every 2 years to maintain your residency. The visit can be as short as a few days - there's no minimum stay requirement. Many residents combine their maintenance visit with property inspections or vacation.

Do I need to be in Panama during the application?

No, physical presence is not required during the application or submission process. You only need to travel to Panama after your permanent residency has been granted.

Can I include my family members?

Yes! Your spouse, unmarried children under 18, dependent children aged 18-25 who are full-time students, and financially dependent parents can all be included in your application at no additional investment requirement.

How long until I can apply for citizenship?

After maintaining your investment and residency for 5 continuous years, you become eligible to apply for Panamanian citizenship. The citizenship application process takes approximately 12 months.

Can I sell or change my investment?

You must maintain your qualifying investment for at least 5 years. After this period, you can sell and reinvest in another qualifying asset, or maintain residency through other means. Mercan can advise on optimal timing and strategies.

Can I rent out real estate investments?

Absolutely. Rental income from your Panama property is permitted and can provide returns of 5-8% annually in prime locations. Income from foreign sources is tax-free in Panama under the territorial tax system.

What makes Mercan different from other providers?

Mercan is the only company worldwide with an official partnership with the Government of Panama. This means direct access to immigration officials, priority processing, and a 98% approval rate. Our government liaison resolves issues that would delay other applications.

What if my application is denied?

Our 98% approval rate reflects our thorough pre-screening process. We only proceed with applications we're confident will succeed. In the rare event of issues, our government partnership allows us to address concerns directly with officials.

Official Government Partner

Ready to Apply for Qualified Investor Visa?

Work with the official government partner for the fastest, most reliable path to Panama residency.

Explore Qualifying Properties

View our curated selection of visa-qualifying real estate investments in Panama.

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