• There are daily flights to the USA and Europe. 

•The Panamanian government welcomes and encourages foreigners to purchase 
Real   Estate. 

•Invest U.S. $200,000 in any Titled Property in Panama and you may qualify for Residency.

•First World City with inexpensive cosmopolitan living; a major international
commerce and banking hub, home to more than 80 of the world’s largest banks.

Investment Benefits: 

• Panama is a Constitutional Democracy with an environment of political stability. 
• Panama has the U.S Dollar as legal tender currency since 1904.  
•Panama has a unique geographical position, and  Panama does not suffer from natural disasters 
such as hurricanes or destructive earthquakes. 
Panama has five mega ports, Interoceanic railway,
 highways and airports with daily flights to the USA and Europe. 
•The Panamanian government welcomes and encourages foreigners to purchase real   estate in Panama. 
•Home ownership in Panama is currently at unbeatable prices!  Foreigners can buy and sell Panamanian 
property legally and easily, and are also protected by exactly the same rights that protect local 
Panamanian property owners. 
•Invest U.S. $200,000 in any Titled Property in Panama and you may qualify for Panamanian Residency. 
•Foreign investors in Panama and the businesses, in which they participate, have the same rights and 
duties as local investors and enterprises; including the rights referring to freedom of trade & industry, 
as well as rights to import and export. 
•Panama is a First World City with inexpensive cosmopolitan living. The City is a major international 
commerce and banking hub, home to more than 80 of the world’s largest  banks and other giant 
multinational corporations. 

Relocation Benefits:

•Panama City is home to the second largest international banking center in the world. 
•Panama has the most modern and successful international banking center in Latin  America, 
with more than 150 banks from 35 different countries. 
•Panama has the highest rating for tourist safety from the prestigious Pinkerton  Intelligence Agency.  
•Panama tariffs are the lowest of all the Americas and it offers many options when it  comes to lifestyle choices. 
•Panama is a shopper’s paradise weather you are shopping for the latest in fashion,  computers, 
state of the arts electronics, or automobiles.
•Panama is a beautiful and diverse country. You can enjoy mountaintop views of both the 
Atlantic and the Pacific Oceans, with astonishing natural wonders and biodiversity.
•Private education is excellent. Panama City has many international schools and dozens  
of other bilingual schools are available. 
•The U.S. dollar is Panama’s legal currency, nearly eliminating any currency exchange 
risks to foreign companies relocating.   
•Panama has the most stable economy in Latin America; it has experienced less than 
2%  inflation increase over the past 40 years. 
• Panama’s cost of living is well under North American and European prices. 
• No property taxes on new construction. 

Retirement Benefits: 

•Panama has put together the most appealing program of special benefits for foreign residents 
and retirees you’ll find anywhere in the world today; with benefits including discounts on air travel,
hotel stays, medical visits, eye or dental exams and prescription medicines, movies, restaurants, 
and much more. 
•Panama has been ranked by International Living Magazine and other international publications as 
the World’s No.1 Retirement Haven for the 5th straight year; also declared as the best residency 
deal in the world today and the most preferred location for a second home or retirement place 
for North Americans. 
•For its citizens, Panama is one of the top three of Latin American countries for quality of life, health,
 education and economic well being. 

•Retirees pay no property taxes on a home in Panama so long as it’s your only residence. 
•Retirees can bring all household goods (up to $10,000) to Panama, tax free and have an 
exemption every two years of duties for the importation or local purchase of a car. 
•Panama has a perfect climate with temperatures between 77 and 85 Fahrenheit degrees  year round. 
• Panama’s Pacific Coast is home to world class deep sea fishing. 
• In Panama you can enjoy bird watching in the world’s most treasured ecosystem. 
•Panama has the highest level of communications, infrastructure for telephone, fax, high 
speed internet, and cellular communications in all of Central & South America, including the Caribbean

Financing is available with very attractive mortgage rates and comfortable payments for up to 25 years. 

30% down payment divided as shown below:
10% at signing of contract
5% at ground break
5% - within 3 months
5% - within 6 months
5% - within 9 months

• You may apply for a 70% mortgage loan at a 6.5% interest rate

 Conditions:
Payments must be finished by the age of 75. 
Therefore, in order to be able to finance for 25 years, the client must be maximum 50 years old.  Ex: A person who is 60 years old will be able finance for 15 years.

Requirements to apply for mortgage loan:

• Completed and signed application form
• Two personal identifications (i.e. passport and driver’s license)
• Last two income tax returns or evidence of earnings (recent income letter signed by Certified Public Accountant), job letter certifying monthly or annual income and time of service, pay stubs, if income is derived form cash sales / investments, copy of 6 months bank accounts statements.
• Bank statements (last 3 months)
• Verification of personal assets (copy of the personal banking account statements, copy of certificates of deposits, shares, appraisal copies or real state titles, car registration cards, etc.
• Down payment receipt *
• Copy of purchase agreement *
• Copy of public utility bills of current primary residence (i.e. electric, water, phone, etc)
• Bank reference letter
• Copy of personal credit bureau report, which may be requested at:  Equifax, Transunion or Experian

Other conditions to consider

• Loan amount is 70% of appraised value or selling price (whichever is less)
• Legal Expenses are aprox. 1%  to 1.5% of the loan amount
• Life insurance for the loan amount endorsed to The Bank (from a local insurance Company) and fire insurance for 80% of the price of sale or rebuilding value.
• Minimum Loan amount $50,000

  SEO-GB - Creating user-friendly fully optimized websites that search engines find