CURRENCY: USD SINCE 1904TAX ON FOREIGN INCOME: 0%CANAL: ~5% OF WORLD MARITIME TRADEUS TARIFFS 2026: PANAMA EXCLUDED ▲LANGUAGES: ES EN PT FR DE RU ZH ARCURRENCY: USD SINCE 1904TAX ON FOREIGN INCOME: 0%CANAL: ~5% OF WORLD MARITIME TRADEUS TARIFFS 2026: PANAMA EXCLUDED ▲LANGUAGES: ES EN PT FR DE RU ZH AR
CLUB RAÍZ

REAL ESTATE INVESTMENT IN PANAMA · EXPLAINED SIMPLY

Don't let your money lose value.Get paid rent every month.

That's all we do. We help you buy property in Panama — a country that runs on the US dollar — to protect your savings and collect rent in dollars every month. We handle the paperwork, the lawyers and the tenants. You read one report a month.

WHY PANAMA

Four facts, no fine print.

THE CURRENCY

100%

Panama has used the US dollar since 1904. There is no local currency to devalue: the rent you collect is dollars, plain and simple. [1]

THE TAX

0%

What you earn outside Panama pays no Panamanian tax. It’s called a "territorial system": only income generated inside is taxed. [2]

THE TRAFFIC

5%

About 5% of the world’s maritime trade crosses the Canal. Translation: companies, executives and travelers who need somewhere to live and stay. [3]

THE BANKING

60+

More than 60 banks operate in the international banking center. Where banks stay for decades, capital sleeps well. [4]

▲ JUL 2026

Recent news: the US announced new tariffs on goods from 60 countries. Panama is NOT on the list. In plain words: when trade walls go up, Panama ended up on the right side. [5]

HOW IT WORKS

Four steps. You never walk alone.

01

We talk about you

Before showing you any property: how much you want to protect, what for, and over how long. No commitment, no jargon.

02

We show you little, and good

Not a 200-option catalog: 3 or 4 that passed our filter of reliable developer, good area and real rental demand.

03

The lawyers shield you

Partner law firms review everything and explain it in your language before you sign. You never sign what you don’t understand.

04

The property works, you don’t

We find tenants, collect and maintain. You get the rent and a report you read in 5 minutes.

ACCESS LINES

The 4 paths. Pick yours.

There are four ways to invest with us. None is "best": it depends on what you want. Each card opens a full guide, written in plain language.

PRE-CONSTRUCTION PROJECTS

Priced today, before they're even built

Seashore Beachfront Villas
Pre-Launch Featured
Chame, Panama·Apartment

Seashore Beachfront Villas

Tu refugio privado en la costa más exclusiva de Chame

Price on request

Ipanema
Pre-Launch Featured
Ciudad de Panamá, Panama·Apartment

Ipanema

Un refugio residencial exclusivo concebido para fusionar la sofisticación urbana con la serenidad de una costa privada.

78.6–174.47 m²

From

US$ 279.120

Delivery Jan 2028
Centro Obarrio
Pre-Launch Featured
Ciudad de Panamá, Panama·Apartment

Centro Obarrio

Innovación Residencial Turnkey en el Distrito Financiero

26.52–121.55 m²

From

US$ 161.772

Delivery Jan 2027
Bosco di Santa María
Pre-Launch Featured
Ciudad de Panamá, Panama·Apartment

Bosco di Santa María

Arquitectura que conecta con la naturaleza

100–246 m²

From

US$ 473.000

Delivery Jan 2030
View all projects →

WHAT THE LAW SAYS

Panama rewards investors. In writing.

These are not salesman promises: they are published laws. We summarize them simply; our partner lawyers confirm which one applies to you.

IF YOU BUY OR BUILD NEW [6]

A new home = years without paying property tax (the yearly tax for owning):

Up to $120,00020 years
$120,000 – $300,00010 years
Over $300,0005 years

IF YOU RETIRE IN PANAMA [7]

◆ Your furniture and household goods enter the country tax-free.

◆ One imported car, tax-free, every 2 years.

◆ Discounts by law: 15% to 50% on hotels, restaurants, movies and doctors.

◆ You own property with the same rights as a Panamanian.

◆ Retiree visa with minimal requirements: a verifiable pension.

THOSE WHO ALREADY CROSSED

ILLUSTRATIVE CASE
“I didn't buy an apartment. I bought sleeping well while my peso loses value.”
— M. FERNÁNDEZ · BOGOTÁ
PRE-SALE, COSTA DEL ESTE · NOW ON LONG-TERM RENT
ILLUSTRATIVE CASE
“I thought short-term rentals were for experts. My first month of bookings proved me wrong.”
— R. ALMEIDA · SÃO PAULO
STUDIO, EL CANGREJO · MANAGED SHORT-TERM RENTAL
ILLUSTRATIVE CASE
“What convinced me: the lawyer replied faster than the salesman.”
— V. DUARTE · BUENOS AIRES
TWO PRE-SALE UNITS · OWN LEGAL STRUCTURE

How would you like to proceed?

⊚

Private session

A 45-minute webinar where we walk you through the whole map, with live questions.

RESERVE MY SEAT
◈

One-on-one consult

30 minutes with an advisor, about your case. Thursday or Friday?

BOOK A MEETING
✆

Direct line

A concrete question, a straight answer. A person replies — not a robot.

START WHATSAPP

SESIÓN PRIVADA

Elija fecha y hora para su sesión

45 minutos, un asesor dedicado, con preguntas en vivo. Escoja el horario que le acomode y le confirmamos por correo con el enlace de acceso.

HORARIO

FREE 2026 GUIDE

Investing in Panama, explained for humans.

How much you need, which taxes you pay (and which you don’t), and the mistakes people only make once. Want it as a PDF, or explained in a 15-minute call?

HOW MUCH DO YOU PLAN TO INVEST? (ROUGHLY)

REAL QUESTIONS

What you are thinking.

"Isn’t this only for rich people?"

No. In pre-sale you pay in installments while the building goes up — not all the money on day one. The useful question isn’t "how much do you have?" but "what monthly payment feels comfortable?". We build the plan from that.

"What if the building is never delivered?"

We only work with developers who have delivered buildings before (that’s public and checkable) and whose construction is financed by a bank — and the bank audits them harder than anyone. Your contract also protects every payment you make.

"I know nothing about Panamanian law."

You don’t need to. That’s what the partner lawyers are for: they review everything, explain it in your language, and you never sign anything you don’t understand. That’s step 3 of the method, not a paid extra.

"How do I manage an apartment from another country?"

You don’t. A local team finds tenants, collects, cleans and repairs. Your job each month is reading a one-page report. Ask us for a sample on WhatsApp with the word REPORT.

SOURCES

[1] Convenio Monetario de 1904 entre Panamá y EE. UU.; el balboa está a la par del dólar y el dólar es de curso legal — Gaceta Oficial de Panamá / Ministerio de Economía y Finanzas.

[2] Sistema fiscal territorial: Código Fiscal de Panamá, art. 694 — solo tributa la renta de fuente panameña. Dirección General de Ingresos (DGI).

[3] Tráfico del Canal ≈ 5% del comercio marítimo mundial — Autoridad del Canal de Panamá (ACP), informes anuales.

[4] Centro Bancario Internacional: más de 60 bancos con licencia — Superintendencia de Bancos de Panamá.

[5] Panamá excluido de la ronda de aranceles de EE. UU. de julio 2026 — La Estrella de Panamá (EstrellaOnline), 23–24 jul 2026.

[6] Exoneración del impuesto de inmuebles sobre mejoras nuevas: Ley 28 de 2012 (permisos desde ene-2012: 20/10/5 años según valor); antecedente en Ley 6 de 2005, art. 81 (reformado por Ley 34 de 2005).

[7] Beneficios de retiro: programa de Pensionado, Ley 6 de 1987 y reformas — Servicio Nacional de Migración de Panamá.

Design prototype. All cited figures are verified with current legal and tax counsel before publishing. Nothing on this page is financial advice.