When it comes to reliable financial tools, fixed-term bank deposits are often overlooked in favor of more dynamic investment options. But they come with their own set of advantages: stability, clear conditions, and even some unexpected opportunities. In this article, we’ll explain how fixed-term bank deposits work, what makes them valuable, and whether they can help you obtain permanent residency abroad. You'll also find a useful comparison with an alternative that Mundo experts recommend as a more convenient option. A fixed-term bank deposit is a formal agreement between a client and a financial institution where the client places funds for a set period. The bank cannot change the terms during this time, and the client cannot withdraw funds without losing the interests. Among other tools, this is one of the most straightforward and secure ways to preserve wealth and plan for significant future expenses. For instance, in Hong Kong, interest rates can reach up to 2.1% annually for deposits starting at 500,000 HKD for 12 months. In India, options are available with term deposit rates of up to 7.05% annually for periods ranging from one year to 375 days. These examples illustrate the earning potential of fixed-term deposits in different parts of the world. A high-interest savings account is a good tool for safeguarding your money, but if your goal is long-term growth, a fixed-term deposit is a more effective option. *Please note: the rates mentioned above are for general information purposes; they may be valid at the time of publication and may be changed by the respective banks. This doesn’t mean that the bank accounts offered by Mundo have these rates. Choosing a fixed-term bank deposit means locking in your funds for a fixed term, which may range from several months to a few years. The bank uses these funds in its operations and repays the principal along with accrued interest at maturity. This allows the investor to earn predictable income with minimal involvement and risk. This option is especially attractive to individuals seeking reliable and transparent ways to increase their savings. Yes, in certain countries, a fixed-term bank deposit can serve as a qualifying investment for residency. In Panama, for instance, there’s a Qualified Investor program that allows for three types of investment, one of which is placing funds in a fixed-term deposit with a licensed Panamanian bank.

Life in Panama appeals with its warm weather, economic stability, and welcoming atmosphere. Many retirees begin to dream about moving to a place where their well-being takes priority. The Pensionado visa is among the most popular programs for those wishing to make Panama their new home. This article outlines which immigration documents you may need and explains how the program works. The Pensionado visa in Panama is available to individuals with a stable, lifelong income. This can be from a public or private pension or another form of guaranteed income, provided it meets the legal minimum. The program is appealing due to its simple requirements and a broad range of benefits, such as discounts on public transportation, leisure activities, medical care, and utility bills. However, before accessing these benefits, applicants must go through a specific administrative process. Without proper documentation, Panamanian immigration authorities cannot process an application. Documents, visa requirements, and other stages of the procedure serve as proof of your credibility, financial stability, and intention to relocate. All paperwork must be translated into Spanish and officially certified. All in all, this gives immigration officials confidence that you meet the program’s standards. At the center of the process is proof of your pension income. This can be a letter from your pension provider, a bank statement, or any official record confirming regular payments. The information must be clear and current. These immigration documents must be translated into Spanish and legalized with an apostille or consular certification. Authorities require a background check from your country of residence to assess your reliability. This document must be clean, that is, it must reflect that the applicant doesn’t have a criminal history. Like other documents, visa applicants must translate them into Spanish and certify them appropriately. You will need to submit standard personal documents such as an ID, birth certificate, photographs, and marital status proof. These help verify your identity and personal circumstances. In some cases, additional paperwork may be requested depending on your background or the nature of your income. Sometimes, the list may also include a copy of your driver’s license, a medical certificate, or a rental contract for housing in Panama.

Warm sunset light glides across ancient stone arches, a guitar echoes through narrow alleys, and centuries-old balconies hold the memory of time. There is no rush here, only a steady rhythm that follows the heartbeat of history. Right in the heart of Panama’s colonial district, apartments in Casco Viejo open their doors to those who value authenticity. This article highlights a real estate project nestled in a historic neighborhood that brings together heritage-inspired aesthetics, contemporary technology, and promising returns. You will learn about the design philosophy, lifestyle features, and eco-conscious vision that shape this unique development. The architectural character of Casco Viejo leaves a lasting impression on all who experience it. The project is located near this treasured site, with a concept that draws from a balance between legacy and innovation. It reflects the district’s visual heritage while offering forward-thinking living standards. Here, historical influence merges with contemporary solutions to create a home environment that respects its setting. The residence includes eleven levels with a range of flexible layouts to suit modern lifestyles. Apartments in Casco Viejo, Panama come in single-bedroom units and expansive two-story penthouses. Most residences feature balconies or terraces, and floor-to-ceiling windows invite abundant natural light into every room. The project aspires to create living spaces that echo their surroundings while offering new standards of comfort. The design draws on local heritage, but not through imitation. Instead, it offers a thoughtful reinterpretation that honors the architectural context. These apartments in Casco Viejo are finished with high-end materials and imported elements. Kitchens are equipped with upper cabinets, modern countertops, and stylish backsplashes. On the other hand, bathrooms feature durable, elegant fixtures, all selected with functionality and refinement in mind. Upper levels reveal stunning panoramic scenes that stir the imagination and calm the senses. Residents enjoy vistas of tiled roofs and historical facades. In the distance lies Amador with its lush greenery, and the Ancón hill rises beyond the skyline. From some homes, you can view the open-air museum feel of Casco Antiguo. These perspectives highlight the rare setting and create a true connection between private life and the cultural rhythm of Panama.

When exploring international markets, a quick online search often isn’t enough. To gain firsthand understanding, Mundo organizes a real estate tour, a dynamic, in-person route through key projects where participants engage directly with leading professionals. The experience offers an authentic feel for Panama, helping visitors assess development progress and make informed decisions based on direct impressions. This article dives deep into the tour format and responds to the most frequent questions about real estate practice in Panama. Mundo’s real estate tour is primarily open to B2B partners. Licensed real estate agents may also organize a group, with a minimum of fifteen participants. If you're already working with Mundo, simply reach out to confirm your team. For new professionals, joining the partner program is the first step, after which participation becomes available. This part often leads to essential questions about real estate, especially from those discovering Panama for the first time. Our experts are available for consultations to explain everything in more detail. If you are already a Mundo partner, no background screening is needed. This simplifies the process and allows for quick onboarding. Newcomers only need to submit basic information and confirm their interest through a simple and quick process. This measure ensures safety and comfort for all tour participants without creating unnecessary delays. The schedule includes visits to completed developments and ongoing construction sites. This way, participants can see both finished properties and those still evolving. The tour illustrates market growth and introduces visitors to the real estate practice of prominent developers. Guests explore everything from compact apartments to spacious residences. Properties are located in financial hubs, coastal zones, and green districts where new infrastructure is emerging. This provides valuable insights into the range and diversity of real estate practice across Panama. The journey lasts three and a half days. Accommodation, events, and transportation are included, and flights are arranged by the client. An important note: if a participant chooses to invest in a featured property during the trip, all participation costs, except airfare, are reimbursed. This reinforces the organizers' commitment to serious investors.

Weekends in Panama can surprise even those familiar with its charm and rhythm. One route offers more than just a walk or a guided tour: it takes you along the Panama Canal timeline, where history, motion, and a sense of global scale come together in an unforgettable way. This article is part of our “Plan for the Weekend” series, where we help you discover unforgettable weekend experiences in Panama. Panama’s climate is pleasant year-round, but your experience depends on the season. The dry season from December to April is ideal, with clear skies and warm temperatures. This is when the best way to visit Panama Canal unfolds in full view, as vessels move steadily through the locks. This is also peak tourist season. May and June offer quieter moments, vivid greenery, and light rainfall. Crowds thin out, and weekday afternoons are especially calm. If you prefer a more personal experience, that’s the best time of day to visit Panama Canal. Thus, you’ll get a closer sense of how this historic route pulses with purpose. There’s a unique moment at the viewing platforms when you see a ship glide from one horizon to another. You’re standing at a crossroads of continents. The Pacific Ocean lies on one side, the Caribbean Sea on the other, and the canal itself acts as a grand link. Through places like the Miraflores or Agua Clara locks, you see engineering and nature woven together. When you pause to take in the scene, you can almost retrace the Panama Canal timeline, from its inauguration in 1914, to the 100th anniversary in 2014, and the opening of the expanded locks in 2016. It's not loud or rushed, yet it carries the power to captivate completely. The canal is a place where ambition, cooperation and struggle have left their marks. The path where ships glide today was once dense jungle, cleared by thousands of laborers. You can learn more about each milestone at the Panama Canal museum, but even without the details, the energy is undeniable. We have already talked about this in more detail in a separate article, which contains key milestones and eras. Watching the gates open and closely connects you to Panama’s journey, where the entire Panama Canal timeline comes alive in every movement and every structure. Each day, dozens of ships make their way across the canal. Their size depends on the locks.

As a writer who has lived in Panama and done the Panama Friendly Visa myself, I understand the advantages of this program in depth. I am not just writing about it, I have done the entire process and taken all the steps. Many things have changed since then, but the essence of Panama Friendly Nations Visa remains the same. Therefore, the editorial team at Mundo thought it would be a good idea to remind readers of what they're missing if they're not paying attention to Friendly Nations. Panama Friendly Nations Visa was established to encourage citizens of developed countries so that they come to Panama and contribute to its working, corporate, and business environment. This is why they have made a list of approximately 50 countries that are considered to be “friendly”. According to the program’s main philosophy, these citizens can bring value to Panama by working in local companies, investing, creating job positions or acquiring property. This is why the main requirement of Panama Friendly Visa is to be a citizen of any of the said countries. Since its first establishment, the list of countries has changed, yet not by much. We strongly encourage potential applicants to confirm whether their country actually belongs to the list, but we can roughly mention some that have been always considered: The United States, Australia, Poland, Canada, Japan, Israel, South Africa, Great Britain, Switzerland, and Germany. If you are from any of these countries, congratulations, you are eligible. If you're not, there are other options like the Qualified Investor, which is, in many ways, better than Panama Friendly Nations Visa. Through Qualified Investor, the investment is larger, but you can invest in real estate which is still under construction, giving you a wider scope of possibilities. If you don't qualify for Panama Friendly Visa, and you don't want to invest that much money, the Reforestation Program offers a more cost-effective approach, about which we’ll be writing more soon. The Panama Friendly Nations Visa is quite accessible, but there's a catch. The first two main requirements are the most difficult to meet: having the right nationality, as described above, and financial ties to the Republic of Panama. This can be done in any of the three following ways. If you're hired by a local company, you become eligible. It has to be a contract duly registered with the Ministry of Labor. 

Imagine a space where elegance and prestige greet you from the moment you step inside. In one of the most sought-after areas of Panama, a unique opportunity has emerged for those who value presence, sophistication, and ambition. A commercial office building here becomes a mark of leadership. Welcome to a location that elevates every business interaction and becomes a true reflection of your professional identity. At the heart of Panama’s financial activity rises a striking tower, designed to capture attention and embody vision. The bold exterior sets a powerful tone, and as you enter the eight-meter-high lobby, the space greets you with light, air, and elegance. Every detail echoes confidence. This is where strategy lives, and decisions are made with clarity. These luxury offices combine prestige with forward motion, creating the perfect space for progress. Surrounded by restaurants, banks, hotels, and essential infrastructure, this location offers smooth access to everything a business might require. With direct entry from the Southern Corridor, you can access the city center within minutes. Costa del Este is considered one of the most modern and well-planned areas of Panama, and it offers outstanding residential opportunities.Mundo can help you access real estate for both long-term living and short-term rentals, allowing you to live and work in the same area, an advantage that can tilt the balance strongly in your favor. Choosing a commercial office building in this neighborhood means strengthening your professional platform while staying connected to one of the city’s most vibrant areas. Spaces range from 94 to 1022 square meters and can be easily adjusted to your company’s scale and strategy. Flexible layouts support growth while giving you control over the environment. With ceilings rising to 3.3 meters, the offices feel open and purposeful. Choose between raw spaces or turnkey solutions with high end office décor, and complete the deal with premium finishes and functional zoning. Every aspect of the design works to support progress. Step inside and discover how thoughtful design can elevate every experience. From textures to lighting, the materials reflect refinement and professionalism. The atmosphere builds trust and helps cultivate strong, lasting relationships. Returning to such an office each day feels motivating, not routinary.

When choosing real estate as an investment, rental management, how does it work, and how to approach it are key aspects to consider. The purpose of having a passive income is that it doesn't bring you too much of a headache when it comes to promotion, finding tenants, or conducting check-ins and checkouts. This is especially so when it comes to short-term rental management. Today, Mundo presents how two of our star projects work when it comes to such an important part of the investment strategy. Whether you will be taking care of this by yourself or hiring property management companies, it's important to know the basics. Receiving money from passive income is everybody's dream, yet it can become the worst nightmare if not managed properly. The potential is enormous because it allows you to reach a specific niche of people who travel and are willing to pay more. Tourists, for example, are ready to spend good money on accommodation, and many of them prefer cozy apartments instead of hotels. Short-term rental also caters to other needs, like businesspeople who are coming for conferences or meetings, or visitors who are traveling to get medical attention. In general, they come with at least one relative, and they don't need a hotel. These are the ones who will appreciate a comfortable studio or maybe a one-bedroom apartment near high-end medical facilities. When it comes to legislation, Panama is more advanced than many celebrated destinations, for example, New York. In Panama, you must have a short-term rental license for this activity: all rentals shorter than 45 days must be conducted under this license. The projects we're presenting here both have those licenses, which is more important than you imagine. Legislation stipulates certain conditions, like the size of the lobby, and applying these to an already built project can be challenging. These developments, on the other hand, are designed accordingly from day one. Both constructions will start in December 2025, yet they have the short-term rental licenses in place already. Hiring property management companies is natural if one wants the business to run smoothly. The projects in Amador and Punta Pacifica come with optional rental management services that can significantly make your life easier and allow you to fully enjoy the benefits.

You're standing in the airport, your bags are packed, and you're full of excitement. Your boarding pass reads “Panama City,” and you’re confident that you're headed toward warm beaches, tropical breezes, and a vibrant Latin culture. But shortly after takeoff, you realize something's off. You’re not flying to the financial capital of Central America. Instead, you're headed to a quiet seaside town in the southern United States. Yes, you’ve chosen Panama City, FL instead of Panama City, Panama. This kind of mistake might seem unusual, but it’s more common than you'd expect. Where is Panama City exactly? It depends on what you’re looking for. One is a tranquil coastal town in the US, the other is a global gateway with powerful potential. Panama City, FL is a small American resort town with long stretches of sand, charming family vacations, and a laid-back Southern spirit. It’s clean, safe, and peaceful, but what you won’t find here are views of the Panama Canal or the historic alleys of Casco Viejo. While Panama City, FL offers local charm and a relaxed pace, it’s probably not your dream destination if you’re aiming to transform your lifestyle or explore international investment opportunities. When people ask where is Panama City, the answer can shape their journey. In Central America lies Panama City, Panama, a vibrant capital that connects two continents and two oceans. It is a place with a stable dollar economy, a respected legal system, and appealing options for those seeking international opportunities. This is the Panama City we often write about. It’s a city of real prospects, offering everything from beachfront living to strong asset protection systems and reliable legal frameworks. For many, it’s the start of something new and promising. Why do such different cities share the same name? The story dates back to the 18th and 19th centuries when settlers in what is now Florida were inspired by faraway lands. They named their new towns after exotic locations, perhaps hoping to bring a little of that magic into their daily lives. Also, at the beginning of the 20th century, the heads of the Florida town wanted to draw interest, so they changed its name to “Panama” because everyone was talking about the construction of the Panama Canal. That’s how Panama City, US, got its name, yet the similarities end there.

Have you ever dreamed of waking up to the sound of waves and watching the sunrise over the horizon while living in the very heart of a modern metropolis? It may seem like a distant fantasy. But what if that vision could be your daily reality? This article unveils a destination where thoughtful architecture and serene surroundings are set to create a space filled with intention. Here, you’ll learn how to choose the perfect one-bedroom apartment or compact studio and discover a new way of living. This could be the beginning of your personal transformation. Contemporary residential designs in Panama’s most refined urban area are being developed to offer a new level of sophistication. Each residence is planned with care, bringing harmony to your daily life. From intelligent layouts to warm lighting, from thoughtful interiors to a genuine sense of comfort, everything is intended to welcome you. Those seeking refined living often explore apartments with city views that also offer real value. In this part of Panama, properties are designed to bring a unique balance between premium quality and investment potential. Large windows are expected to let natural light flood the space, revealing either panoramic cityscapes or tranquil ocean vistas. The blend of open design and elevated ambiance enhances everyday life, inviting you to return with joy. The complex is scheduled to start construction in 2025. Among the available options, you’ll find welcoming one-bedroom apartment units ideal for individuals or couples. These homes are designed to provide both charm and practicality in equal measures. With layouts ranging from 50 to 71 square meters, each apartment offers a bright living area connected to a well-appointed kitchen space. This design choice provides fluidity and a sense of openness. Balconies are included in the plans as seamless extensions of the interior. They’re wide enough to accommodate a seating area for morning coffee or evening reflection. Whether you gaze at the ocean or the city skyline, the view is designed to become part of your routine. This project also includes well-planned residences for those who prioritize flexibility and style. These efficient layouts range from 25 to 31 square meters and are ideal for those seeking simplicity without sacrificing elegance.