If you’re looking to buy or rent properties in Panama, there are many options to suit any taste or any budget. There are great deals to be had, fantastic areas to live in, and many diverse choices that can fit your need specifically. Just like anywhere else, you need to do a good amount of research and personal introspection before you make your decision when it comes to Real Estate. After all, you’re buying or renting in a foreign country, and you should know the rules before you start.

Finding what area to live in is as important as the property you choose

Panama is a small country, but there are a lot of areas that appeal to expats to relocate to. This is a positive for you and your family. If you’re a big city person in your home country, chances are, you’ll like living in a big city in Panama. As far as this goes, Panama City is your best bet. There really are no other major cities in Panama, and even the 2nd and 3rd largest cities (Colon, David) are not quite up to the cosmopolitan or logistical standards that Panama City is.

Conversely, if you love the beach, or the mountains, or the suburbs of the city, you can find a great fit in Panama. The trick is focusing in on what you want, and then getting to know what you’d be getting into if you moved there. Find an area that gives you the lifestyle you want, but at the same time, gives you good access to transportation, utilities, and comfort.

Don’t commit to moving to Panama without visiting first

It’s very easy to get caught up in the allure of Panama, and may people float the idea of moving here pretty quickly. That being said, you don’t want to jump the gun. We highly recommend visiting first; and usually, your best bet is to spend at least a couple of weeks. If you relocate without visiting first, we highly recommend renting. Rentals can be very affordable here, and short-term leases (3-6 months) are a great way to get to know where you want to live in Panama, without making a long-term commitment.

Securing, and financing your new house or apartment in Panama

If you decide to rent, you have a lot of options as far as leases go. You can sign a lease without permanent residency, but usually need to provide a financial reference as well as a professional one; plus, you will need to leave a security deposit and may pay a significant amount more if you sign for short terms (1-3 months). There are many furnished apartments available for short or long term, so you won’t need to really take the plunge financially if you don’t want to.

If you choose to buy, you need to first secure a Panama Corporation; something we can help you with. Whether you pay the full amount all at once, or finance, it’s important to set up a local presence, or a local bank account. You can also have one of our lawyers help you negotiate your price to make sure you get the best deal, at the bet price. Regardless of what you’re looking for, chance are, you’ll find it here in Panama.

The post What you need to know before buying or renting property in Panama appeared first on POLS Attorneys.

Have you been considering buying real estate in Panama as an investment, or as your next home? Real estate in Panama is quite popular for international buyers, with a growing market in both new and old properties, and long-term rental potential all over the country. Real estate in Panama is diverse, dynamic, and can truly fit any budget, as long as you know where to look, (and more importantly) what you’re looking for. The hardest part for most people when it comes to buying Panama real estate is getting the whole process started. How do you find the properties? How do you get info on the local market? Most importantly, how do you know if what you’re getting is worth it? Don’t worry, that’s what we’re here for.

Talk to licensed real estate brokers

Under Panamanian law, you must have a license to sell real estate, and must be vetted under a number of circumstances that aim to protect both the buyer, and the seller. That being said, there are many people (including expats) that try to broker real estate without a license, for some extra cash or as a favor. We highly recommend you only do business with a well-known realty group with licensed realtors only. Don’t fall for the temptation of a “friendly” deal. If it seems too good to be true, it probably is, so hedge your risk by starting on the right track. You may find it beneficial to talk to a few realtors, as prices may vary, and area availability will change.

If you are able to, visit the properties in person

Seeing is believing when it comes to Panama, and an exploratory trip to check out potential real estate first hand is critical for any buyer. If you live in Panama already, spend some time checking out the neighborhood, talking to local business owners, and try to get to your potential properties in the way you’d usually use transportation to and from it (if you’ll be living there). Also, make sure to have the properties inspected before buying. If you’re visiting Panama for the first time, have fun with it! Take a tour of each of the areas you’re interested in, and more than just walking through properties, get to know the local culture and neighbors. Panama’s a great place to live, but for many, may not be their cup of tea. A good exploratory visit will reduce the risk of future disappointment, and give you a great excuse to take a Panama vacation to boot!

Run everything by an experienced local attorney

Again, if it seems too good to be true, it probably is. This is why it is extremely important to have an experienced lawyer look over every contract, and mediate any negotiations as they come up. Don’t take the risk of trying to do it all yourself. It’s tough enough as a local, but as an expat you’ll find that going it alone will add lots of headaches, and could cost you heavily in the long-run. Remember, buying real estate is a big deal, and something that should be handled with diligence and care, every step along the way. We’re certain that with some time and patience, you’ll find the perfect property or properties, and reap all the benefits real estate in Panama has to offer!

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Are you looking at investing in real estate in Panama? There are plenty of great options for buying real estate in both the commercial and residential sectors, in many different provinces, cities, and districts spread throughout the entire country. Though the market is full of great buys, and lots of diversity, there are some places that stick out more than others. Here are our top five picks:

1. Casco Viejo (Panama City):

Panama’s old city is booming in the real estate sector, with the classically-designed (and tourist hot spot) San Felipe leading the charge. There’s something else going on in Casco, however, that has real estate experts even more excited, and that is Santa Ana. Technically speaking, most of Santa Ana isn’t Casco. It’s adjacent to it. But this ideal location has made it Panama’s most sought after transformative neighborhood. What we know as Casco is essentially expanding, and that is opening a whole new market for expansion in the surrounding areas, with some great buys available.

2. Boquete:

There’s nothing new about the popularity of Boquete real estate, as it’s been on the map for quite some time now as far as expat investment. These days, however, it’s hotter than ever. Much like Casco Viejo, the area by which Boquete has been famous for, for real estate, is expanding. This means lots of new complexes and properties for many budgets and lifestyle choices. Boquete tends to have great buys for the money, especially if you’re looking for a mountain lifestyle or retirement.

3. Gorgona:

There was once a time where Gorgona was most famous for being a quiet beach town next to Coronado. Thanks to a few major developer investments from Panama’s biggest property companies, this has changed. Gorgona is now a much more vibrant beach community, with easy access to Panama City, and lots of amazing (and well-priced) condos and houses. Within a 5-10 minute drive, you’ll find the Panamerican Highway, multiple big supermarkets, a movie theater, restaurants, small businesses, and hardware stores.

4. Pedasi:

This area on Panama’s Azuero Peninsula has quickly become the go-to place to invest for those looking to get into eco-tourism, hostel/hotels, or a kind of “off-the-grid” vacation housing experience or retirement. Prices for land are very good, and there’s plenty of room for big projects, as well as some current big projects already underway. There’s great surf, a young crowd of tourists and expats, friendly laid-back community, and a truly unique Panama beach lifestyle rolled into one. If you love beaches, surfing, and want to be far from the hustle and bustle of the city, this is your place!

5. San Francisco (Panama City):

It’s hard to draw an urban comparison to San Francisco in Panama city, because it’s so unique. This is one of the city’s largest neighborhoods, and it seamlessly combines suburban-style households with the tower lifestyle Panama City has become famous for over the years. It’s also got an amazing coastline, and very convenient access to highways, main avenues, and parks. This area is also home to some of Panama’s hottest new, and innovative restaurants, giving it a great quality of life, for people of all ages (and incomes).

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Panama City is a packed metropolis, known for its hustle and bustle, business center, and luxury residential, office, and hotel towers. These have become the public face of Panama City, and the iconic symbols of a city, and country on the rise. But if you talk about the history of the city, the Canal, and how it’s been settled over the years, you’d be remiss if you didn’t highlight the Amador Causeway. The Amador Causeway and islands lay on the far south side of Panama City. The islands are connected by a thin strip of land, and subsequent avenue that connects them with the city and have a rich history and bright future ahead of them, all in one. For years, Panamanians have been using this part of the city as a refuge from the hustle and bustle; a place to live or spend the day on the water, just minutes from downtown.

What does the Amador Causeway look like?

One of the big draws of living on the Causeway is its beautiful natural, yet refined setting. This area is a major sailing port for small ships (and some bigger ones) heading through the Canal, or just docking in the city. It’s oceanfront Panama at its best, with beautiful rocky coastlines, palm tree lined streets, marinas, and spectacular views of downtown Panama City and the Pacific Ocean. The architecture is a blend of classic Canal Zone designs mixed with newer Caribbean-inspired beach estates. Amador consists of four islands: Naos, Culebra, Perico, and Flamenco. Perico Island is the most popular for residents, tourism, and commerce, while Naos is famous for the Smithsonian Tropical Research Institute and a number of labs.

The Amador Causeway has 4 hotels, a number of restaurants that run the gamut in taste and budget, and a lot of outdoor activities available to tourists and residents. Amador is also home to the Balboa Yacht Club, which is one of the most famous, and oldest yacht clubs in the country, and also an icon from the American Panama Canal Zone years. Many tourists and business travelers choose to stay on the Causeway due to its quiet, tropical setting, while still being close to the city’s attractions, as well as the business center.

A bit of history in every step, on Panama’s Amador Causeway

The Causeway is famous for a number of reasons in history, with the two greatest being it’s protective fortifications (built for WWII, but never used), and one of Manuel Noriega’s compounds, where he once fled, and has since been ransacked to ruins after his arrest in 1990. The Causeway was also a very iconic location for wealthy Canal managers, and Zonian (people born during the American occupation of the Panama Canal Zone) families. It is the literal mouth of the Canal on the Pacific side, and is still a great place to watch some of the world’s biggest, and greatest ships as they transit towards the Atlantic side of the Canal. You can even still walk along the long paths that connect the mainland to the islands, and see life as it would have been almost 100 years ago, as you pass the old and the new blending, to create what now is one of Panama’s most luxury, relaxing refuges from the city.

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For a long time, Panama’s real estate market focus has been largely concentrated on the capital, Panama City. Years of positive economic growth, access to the Panama Canal, banking, and travel logistics have made Panama City a hot spot for international investment and real estate. In fact, the real estate boom in Panama City has been so big, that many people, both in Panama and internationally, have overlooked one of the biggest sectors of real estate growth in the entire country: the interior provinces.

What, and where is Panama’s “interior”?

When people in Panama refer the “interior”, they’re talking about the provinces, cities, and towns that are outside of the capital, and capital province (Panama). With such a wide definition, it’s hard to say that all of the interior of the country is thriving from real estate. However, some of the biggest growth sectors, and new real estate projects are based in towns and cities in this area, which is redefining the market for investment.

Panama’s interior includes some of the country’s most exclusive beach areas, agricultural mountain towns, and affordable suburbs. All of these areas are turning out to be big draws for new properties (commercial and residential), and lots of expat retirees and younger investors.

The hottest interior real estate markets in Panama

When you look at investment trends in Panama’s interior real estate market, there are four areas that stick out the most. These areas are Boquete/Volcan, the Playas Region (Panama’s central Pacific beach coast), El Valle, and Panama’s hottest natural oceanfront area, Pedasi. The great thing about these markets is that there’s lots of room to work with, as far as development space goes. Also, the price to develop is much lower than the city, even though sales and rental prices are adequately comparable.

How to invest in Panama’s interior real estate market

If you’re looking to invest in Panama, and its versatile real estate market, the interior of the country has a lot to offer. The first thing we’d recommend is to look closely at the community you plan to invest in. Look at the future potential based on location, access to commerce, and trends in who is buying and living there. We also recommend consulting with a qualified real estate agent, and a good attorney before even considering offers.

There are lots of new projects, renovations, and older (yet classic) properties available throughout Panama’s interior provinces, cities, and towns. You can often get a really good price, and a long-term return on your investment, if you simply look just a bit outside of the more developed areas of the city. Regardless of your budget, or whether you’re looking to invest, or relocate to Panama, you need to look at your options in Panama’s interior. Don’t let the wave pass you by. Often, a small town, or unknown suburb can turn into the next big development spot for real estate.

To learn more about how to live, invest, and buy real estate in Panama, contact us for a free consultation. We’d love to help you find your perfect fit here in Panama, at the terms you feel comfortable with, for a bright, and successful future here.

The post The Real Estate market in Panama’s interior is growing. Here’s why. appeared first on POLS Attorneys.

If you’re looking to buy or rent properties in Panama, there are many options to suit any taste or any budget. There are great deals to be had, fantastic areas to live in, and many diverse choices that can fit your need specifically. Just like anywhere else, you need to do a good amount of research and personal introspection before you make your decision when it comes to Real Estate. After all, you’re buying or renting in a foreign country, and you should know the rules before you start.

Finding what area to live in is as important as the property you choose

Panama is a small country, but there are a lot of areas that appeal to expats to relocate to. This is a positive for you and your family. If you’re a big city person in your home country, chances are, you’ll like living in a big city in Panama. As far as this goes, Panama City is your best bet. There really are no other major cities in Panama, and even the 2nd and 3rd largest cities (Colon, David) are not quite up to the cosmopolitan or logistical standards that Panama City is.

Conversely, if you love the beach, or the mountains, or the suburbs of the city, you can find a great fit in Panama. The trick is focusing in on what you want, and then getting to know what you’d be getting into if you moved there. Find an area that gives you the lifestyle you want, but at the same time, gives you good access to transportation, utilities, and comfort.

Don’t commit to moving to Panama without visiting first

It’s very easy to get caught up in the allure of Panama, and may people float the idea of moving here pretty quickly. That being said, you don’t want to jump the gun. We highly recommend visiting first; and usually, your best bet is to spend at least a couple of weeks. If you relocate without visiting first, we highly recommend renting. Rentals can be very affordable here, and short-term leases (3-6 months) are a great way to get to know where you want to live in Panama, without making a long-term commitment.

Securing, and financing your new house or apartment in Panama

If you decide to rent, you have a lot of options as far as leases go. You can sign a lease without permanent residency, but usually need to provide a financial reference as well as a professional one; plus, you will need to leave a security deposit and may pay a significant amount more if you sign for short terms (1-3 months). There are many furnished apartments available for short or long term, so you won’t need to really take the plunge financially if you don’t want to.

If you choose to buy, you need to first secure a Panama Corporation; something we can help you with. Whether you pay the full amount all at once, or finance, it’s important to set up a local presence, or a local bank account. You can also have one of our lawyers help you negotiate your price to make sure you get the best deal, at the bet price. Regardless of what you’re looking for, chance are, you’ll find it here in Panama.

The post Looking to purchase property or rent in Panama? Here’s what you need to know! appeared first on POLS Attorneys.

Big news for property owners in Panama affected by recent legislation on property taxes. After a lengthy session of the Panamanian National Assembly, an extension was approved for the moratorium placed on penalties for property owners who own late real estate taxes. This moratorium was extended to December 31st, giving these property owners who haven’t paid the tax the ability to do so without penalties or added interest. This is good news for many in Panama. According to a press release from the National Assembly “the moratorium extends to interest, fines and surcharges that are generated by the non-payment of the single rates of private companies and foundations constituted and duly registered in the Republic of Panama.”

What are the origins for the moratorium on these types of property taxes?

Panama has made some aggressive moves in recent years to try and increase state-based revenues, specifically in the municipalities, to help improve fiscal budgets for towns and cities with real estate booms. This income is coming directly from property taxes, and is deemed necessary in order to help pay off the government’s deficit, which sits at $1.6 billion dollars, equivalent to 1.6% of the gross domestic product (GDP) and represents an increase of $ 966 million compared to the balance of the first half of the previous year. Overall, property taxes in Panama remain relatively low by comparable regional and global standards.

Clearing out a big chunk of this fiscal debt is critical to Panama’s economy, even if it costs Panama’s property owners. Logging back taxes without payment is a high-risk gamble, which is why Panama is putting so much importance about reeling it in, and enforcing more fiscal responsibility in the public sector. Luckily, the moratorium extension will give people with back taxes more time to get up to date.

Some basic info on Panama’s Property Taxes

Panama Real Property Tax applies to the value of the land and all registered improvements which are not exonerated. Here is a list of Panama real estate tax rates:

Panama Real Estate Tax Rates (Property Tax):
The first $30,000 USD is exempt.
Between $30,000 up to $50,000 have a rate of 1.75%.
Between $50,000 and $75,000 have a rate of 1.95%; and
Everything over $75,000 has a rate of 2.1%.

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For many in South Africa, the turmoil and uncertainty of recent years has become just too much, and staying put no longer seems like a good option. Right now, thousands of landowners in South Africa are under danger of either losing their land, or even worse, their lives, with no immediate end in sight, and little aid from the outside world. As chaotic as life is in South Africa, the resilience of its people is inspiring, and people are taking action into their own hands, and making the choice to emigrate. While this choice is never easy, it’s the best bet for those who want to improve their lifestyle, increase their safety, and continue to grow professionally, or as investors.

While there are many great options around the world for South Africans when it comes to emigrating, one place keeps popping up at the top of the list for people of all ages/backgrounds. That place is Panama.

What makes Panama so appealing to South Africans wanting to emigrate?

The list is long, and it’s different for everyone, so let’s start with the basics and move our way up. When South Africans choose to emigrate and expatriate to a new country to become full-time residents, they typically choose the UK, or other former British colonies. This is understandable due to the country’s history, many South Africans’ European cultural roots, language, and familiarity. The problem, however, is that all of these countries (UK, Australia, New Zealand, US, etc.) have a very high cost and long process to go through before achieving the proper legal status. In fact, the processes tend to be so long and expensive that it’s no longer a viable (or safe) option for some, as time is truly of the essence due to the current situation in South Africa itself.

South Africans need a country with a stable economy, investment opportunity, a welcoming culture/society, and a legal residency process that’s both efficient and economical. Here is where Panama fits in perfectly. Panama truly fits the bill when it comes to all of the aforementioned, and then some. With an economy that’s been in steady growth mode for a decade, the regions best banking, multi-sector investment opportunities, and a streamlined residency process, it’s no wonder why people from South Africa are starting to catch on to all of the benefits Panama has to offer them.

A variety of residency visas for all types of purposes, lifestyles, and at an incredible price

Panama currently has eight different visa options available for foreigners, that could include many of the potential demographics of South Africans heading abroad. These visas are:

1. Panama’s Pensioner (Retiree) Visa:

Anyone over 18 years of age with a lifetime pension or annuity paying a minimum of $1,000 USD per month qualifies. Another $250 must be paid per month by the annuity or pension for each dependent. The annuity or pension can be paid by a private company, military, government agencies, corporations, a bank, an insurance company, or a Trust. This Panama visa provides several discounts from movie theaters, restaurants, hotels, pharmacies, concerts, and domestic airlines along with other products or services.

2. Friendly Nations Visa:

Citizens from any of the 50 nations considered “friendly” to Panama can move here with their immediate family and acquire a faster permanent residency visa than any other Panama visa. To qualify, the friendly citizen can either buy an existing Panama business or create a new business here or be employed in a professional capacity for a Panama professional services company.

The Friendly nations visa offers permanent residency within 3-6 months and offers the option of getting a work permit. The cost is around $5,000 USD all said and done in order to obtain permanent residency (not including the work permit).

Learn more about the Friendly Nations Visa.

3. Professional Employment Visa:

Foreigners working for a Panama company in a “professional” capacity paying social security taxes and holding a college degree and a professional license (if required by his or her country) can become a permanent resident after two years of being a temporary resident. The term “professional” is not limited to the definition in Panama’s Constitution or the laws defining a professional for citizens.

4. Panama’s Reforestation Investor Visa:

A minimum investment of US$80,000 in a reforestation project certified by the government including purchasing a minimum of five hectares of titled land with an additional investment of $2,000 for each dependent.

5. Panama’s Self Economic Solvency Visa:

Three options exist to qualify for this visa created to attract wealthy foreigners:

-Minimum US$300,000 investment of equity in any Panama real estate with an additional $2,000 USD for each dependent.

-Minimum US$300,000 investment in a 3 year Panama bank CD. An additional $2,000 deposit is required for each dependent.

-Combining the first 2 options by investing in both a Panama bank CD and Panama real estate where the cash and equity total a minimum of US$300,000 (or foreign currency equivalent). An additional $2,000 USD must be invested for each dependent.

6.Panama’s Business Investor Visa:

A minimum US$160,000 investment in capital stock of a Panama corporation. The foreigner can be a shareholder and/or an officer. An additional $2,000 must be invested or each dependent.

7. Married to a Panama Citizen Visa:

This must be a valid marriage (not a sham) to a Panama citizen can apply for a permanent visa.

8. Parents of Child Born in Panama Visa:

The parents of a child born in Panama who is over five years old can apply for this permanent visa. The parents of future children born in Panama can apply for this permanent visa after the child’s fifth birthday.

Finding the right type of visa for you!

With so many options available, it’s highly recommendable that you look carefully at visa type and compare it to what suits you best, and what will serve you best when you make the transition to moving to Panama. For many South Africans, the easiest and best (and most cost efficient!) option to go with is the Friendly Nations Visa. According to a recent survey, it was discovered that Panama is the 2nd most affordable in the World as far as paying for the visa process, which is a huge bonus for those trying to be economically efficient as they make the big move.

Like anything of this magnitude, we suggest that you do plenty of due diligence before starting the process, and consult an experienced Panama immigration lawyer to help walk you through each of your options, and get the ball rolling in the right direction once you’ve chosen the route you want to take. Panama is a warm, welcoming, prosperous country, flush with new opportunities, and ready for relocation. Come see for yourself!

The post Immigrating to Panama from South Africa: What you need to know appeared first on POLS Attorneys.

If you’re planning on relocating to Panama, whether for a short or long period, you’ll need to decide whether you want to rent or buy Panama real estate. Both options have a lot to offer, and both can be financially beneficial depending on your lifestyle and circumstances. If you’re looking to rent or buy in Panama, you’ll need to do some due diligence first. The Real Estate market in Panama is diverse and has an abundance of new properties, both in the cities and the suburbs. From luxury skyscraper apartments, beach houses, estates, family homes, and suburban condos, Panama has it all, to buy or rent. Here are some quick tips on how whether you should rent or buy in Panama.

Why rent real estate in Panama?

There’s a stigma often attributed to renting that says it’s only good for short-term stays, and that it’s not cost-effective. While in some cases this can be true, it’s certainly not an absolute, especially in Panama. Renting real estate in Panama is big amongst expats, and the market is hot in practically all areas of the country. In fact, even if your plan is to buy real estate, we recommend renting first to get a feel for your area and the lifestyle of living in Panama as a whole. As a foreign tourist or resident, you can still sign local leases, and owners are often very open about lease lengths to better suit your needs.

What types of rentals are out there?

If you’re looking to rent real estate in Panama, you first need to look at your budget. Panama has a very affordable real estate rental market, but prices can be on the higher side in the more central areas of Panama City as well as popular oceanfront suburbs and developments. A typical rental in the nicer parts of Panama City will run you anywhere from $1,200 up to $4,000. The lower priced rentals are mostly in smaller, older buildings, while the pricier rentals are in luxury condo towers with many modern amenities and services.

Lease terms and rules for renting

Most rentals are furnished, and leases are typically set for one year. You can rent month-to-month in many parts of town for a premium price, but note that Panama has a law forbidding rentals for shorter than 45 days. Make sure your lease is notarized, and check with a skilled, experienced attorney before making any contractual commitments.

Why buy real estate in Panama?

Buying real estate in Panama is huge these days, both as an investment and as a living solution for expats. Prices for new real estate in Panama have been on a steady rise for the past few years, but there are still some great deals out there when compared to comparable cities in the Americas. On the positive side, the rise in Prices is also indicative of a flourishing market, and the apartment or house you buy now may be worth significantly more in the near future. Buying real estate in Panama can give you equity, an investment with good growth potential, a place to live, and even a significant tax break.

The incredible tax benefits of buying Real Estate in Panama

As a foreigner, when you buy new real estate in Panama you get a 20-year exemption on Real Estate taxes for all assets of the enterprise. This will save you thousands each year, and is an incredible incentive to buy. You can also transfer this exemption if you sell before the 20-year period is up, and simply need to deduct the years spent. Many expats decide to buy real estate flat out, without a mortgage, however local banks do offer great financing options, if you are a legal resident of the country and can provide good credit references.

In Panama real estate pricing, location is everything

Again, when compared to comparable cities in the Americas, Panama’s real estate prices are relatively cheap. This, however, can change drastically depending on your location. Luxury apartment and home construction is booming right now in Panama, and these properties are designed to draw a premium. This premium, however, is often much more affordable when you consider tax breaks, size, and amenities.

In Panama City $400,000 can get you a 3-bedroom luxury apartment with ocean views and double the space of anything you can find in major US cities. If you’re looking for a smaller investment, you can still find apartments and houses for around $100,000, but expect to be a outside of city centers. There are also usually fewer added amenities such as pools, spas, daycare, and concierge service, which are the hallmark of many of Panama’s new luxury developments.

The post Renting vs. Buying in Panama: How to make the best real estate choice appeared first on POLS Attorneys.