Pindah ke Panama: pajak, residensi, dan kehidupan
Cara menjadi residen pajak di Panama: pajak penghasilan pribadi, dividen, dan badan, 8 program residensi, persyaratan residensi pajak, dan iklim. Pelajari dasarnya dan bandingkan jalur residensi.
Pajak
Di Panama tarif pajak penghasilan tertinggi adalah 25%, dividen dikenai pajak hingga 10%, dan perusahaan membayar pajak badan 25%. Pendatang baru dapat memakai rezim khusus (0%): Territorial: foreign-source income exempt; friendly-nations visa.
Cara pindah dan menjadi residen pajak
Anda dapat menjadi residen pajak di Panama sejak kedatangan setelah mulai menetap (Permanent home established in Panama, or >183 days in fiscal year (or prior year)). Jalur yang umum adalah Friendly Nations visa (US$200k property/deposit) or Qualified Investor PR: FN: US$200k real estate or 3-yr deposit (open to Swiss and many other nationalities); QI (Decree 17/2026): US$300k new property, US$500k resale/securities, US$750k deposit; hold 5 yrs Ada 7 program residensi terbuka di Panama — lihat daftar di bawah.
Tinggal di sana
Panama City beriklim tropical savanna (wet/dry) dengan suhu tertinggi musim dingin sekitar 30.5 °C dan musim panas sekitar 32.5 °C.
Fakta utama
| Pajak penghasilan tertinggi | 25% |
|---|---|
| Pajak dividen | 10% |
| Pajak badan | 25% |
| Teritorial | Territorial taxation (indefinite) — Foreign-source income exempt. Syarat: Tax resident (applies to everyone) |
| Residensi pajak | sejak kedatangan — Permanent home established in Panama, or >183 days in fiscal year (or prior year) |
| Rute Anda | Friendly Nations visa (US$200k property/deposit) or Qualified Investor PR — FN: US$200k real estate or 3-yr deposit (open to Swiss and many other nationalities); QI (Decree 17/2026): US$300k new property, US$500k resale/securities, US$750k deposit; hold 5 yrs |
| Jenis iklim | tropical savanna (wet/dry) · 30.5° / 32.5° (Panama City) |
| Mandatory military service | tidak ada |
| Dikenai pajak karena memegang paspor | tidak ada — Residence-based taxation; citizens abroad not taxed on foreign income |
| Bisakah dilepaskan? | diizinkan — Renunciation by declaration/application once another nationality is held |
| Reputasi paspor (bank, sanksi) | risiko rendah — Standard KYC; widely accepted by international banks |
Program residensi di Panama
Program aktif
- Friendly Nations Visa (Permanent Residence for nationals of friendly countries) — Investasi $200,000 · 2026-10
Rules from Decree 197/226 of 2021 (old US$5k deposit route abolished).
- Self Economic Solvency Visa — Investasi $300,000 · 2026-10
Largely superseded by Qualified Investor (direct PR) at similar cost.
- Pensioner Visa (Pensionado) — Penghasilan / thn $12,000 · 2026-10
- Short Stay Visa for Remote Workers — Penghasilan / thn $36,000 · 2026-10
Executive Decree 198 of 2021; no path to PR.
- Small Business Investor Visa — Investasi $160,000 · 2026-10
- Work permit / employment-based residence — employment · 2026-10
- Family reunification (spouse/dependants of Panamanian or resident) — family · 2026-10
Perubahan atau ketersediaan sedang ditinjau
- Permanent Residence for Qualified Investors — Investasi $300,000 · 2026-10
New decree in force 16 Sep 2026: resale property raised to US$500k; MICI certificate ≤15 business days, SNM decision ≤30.
Rencanakan jalur domisili Anda
Pertanyaan yang sering diajukan
Berapa hari saya harus tinggal di Panama untuk menjadi residen pajak?
sejak kedatangan. Permanent home established in Panama, or >183 days in fiscal year (or prior year) Territorial: foreign income untaxed; tax residence separate from immigration status
Berapa pajak yang akan saya bayar di Panama?
Di Panama tarif pajak penghasilan tertinggi adalah 25%, dividen dikenai pajak hingga 10%, dan perusahaan membayar pajak badan 25%.
Program residensi apa yang ditawarkan Panama?
Friendly Nations Visa (Permanent Residence for nationals of friendly countries) ($200,000); Self Economic Solvency Visa ($300,000); Pensioner Visa (Pensionado); Short Stay Visa for Remote Workers; Small Business Investor Visa ($160,000)
Apa cara umum untuk pindah ke Panama?
Friendly Nations visa (US$200k property/deposit) or Qualified Investor PR. FN: US$200k real estate or 3-yr deposit (open to Swiss and many other nationalities); QI (Decree 17/2026): US$300k new property, US$500k resale/securities, US$750k deposit; hold 5 yrs
Bandingkan dengan negara sekitar
Argentina · Belize · Bolivia · Brasil · Kanada · Cile · Kolombia · Kosta Rika · Kuba · Republik Dominika · Ekuador · El Salvador
Hanya informasi umum — bukan nasihat pajak, hukum, imigrasi, investasi, maupun keuangan, dan tidak menciptakan hubungan klien. Angka disederhanakan, bersifat indikatif, dan mungkin sudah kedaluwarsa. Selalu verifikasi dengan otoritas resmi dan profesional berlisensi di negara terkait sebelum bertindak. Tautan mitra, jika ada, ditandai dan dapat memberi kami komisi.