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Guía Expatriación: Paraguay 2026

Paraguay es el secreto mejor guardado de América Latina para los expatriados que buscan un destino de bajos impuestos y bajo coste. El país opera con un sistema fiscal territorial (solo se gravan los ingresos locales), la residencia permanente se obtiene en 3 meses y el coste de vida se encuentra entre los más bajos de América del Sur. Asunción es una capital moderna y segura con una creciente comunidad de expatriados.

Última actualización : Marzo 2026 — Equipo editorial, eVisa-Card.com

Paraguay de un Vistazo

CapitalAsunción
MonedaParaguayan Guaraní (PYG) / USD
IdiomaSpanish, Guaraní
Costo mensual~$700–1,400/month

📋 Índice

  1. Visa & Residencia
  2. Salud
  3. Seguro de Salud
  4. Cuenta Bancaria
  5. Comprar Propiedad
  6. Fiscalidad & Exilio Fiscal

🛂 Visa & Opciones de Residencia

Tipo de VisaDetalles
Permanent Residency (Residencia Permanente)Paraguay's flagship path: deposit $5,500 in a Paraguayan bank + monthly income proof of $1,250 (or pension). Permanent residency issued within 60–90 days. No minimum stay requirement once obtained.
Simple Residency (Residencia Simple)Temporary residency via employment, business or investment. Path to permanent residency.
Jubilado (Retiree)For retirees with a pension of $1,250/month. Permanent residency. Popular with North American and European retirees.
Investor VisaInvestment en Paraguayan business or real estate. No strict minimum but typically $70,000+ demonstrated.
Visa-Free EntryUS, EU, UK and many other nationalities: 90 days visa-free. Renewable with a short border run.

Proceso Paso a Paso

  1. Hire a Paraguayan immigration lawyer (budget $500–2,000 total)
  2. Open a Paraguayan bank account and make the $5,500 deposit
  3. Reúna los documentos: passport, police clearance, birth certificate, proof of income
  4. Apostille all foreign documents and translate to Spanish
  5. Submit application to MIGRACIONES (Immigration Department)
  6. Receive temporary certificate within 2–4 weeks
  7. Obtain permanent residency cedula within 60–90 days
  8. Apply for tax residency certificate (for international tax purposes) — optional but valuable
💡 Consejo Pro: Paraguay's permanent residency is one of the fastest and cheapest in the world ($5,500 deposit + lawyer fees). Combined with the territorial tax system (no tax on foreign-source income), it's a powerful tax residency option for international entrepreneurs and investors.

🏥 Salud en Paraguay

Salud Pública

Paraguay's public health system (IPS — Instituto de Previsión Social) covers registered workers and their families. Quality is inconsistent — good in Asunción, very limited in rural areas. Emergency hospitals are available but often overcrowded.

Salud Privada

Private hospitals in Asunción provide the best care: Hospital Bautista, Centro Médico La Costoa, Hospital Adventista. Quality is acceptable for routine and moderate care, but complex procedures may require travel to Brazil or Argentina. Costos are very low by international standards.

Costos Típicos

ServicioCosto
Consulta médico general (privada)$30–60
Consulta especialista$50–120
Urgencias (private)$100–400
Hospitalización (privado, por noche)$200–600
Limpieza dental$30–60
Major dental work40–60% cheaper than US
ℹ️ Recomendado: Most expats use private healthcare in Asunción and maintain international health insurance for serious conditions requiring treatment in Brazil, Argentina or the US.

🛡️ Seguro de Salud en Paraguay

Private health insurance is not required for residency en Paraguay. However, given the limitations of the local healthcare system for serious conditions, international health insurance is strongly recommended.

Mejores Aseguradoras para Expatriados

La Consolidada
Paraguay-based insurer. Affordable local plans. Good for routine care in Asunción. From ~$100/month.
Mapfre Paraguay
Regional insurer with local hospital network. From ~$120/month.
Cigna Global
International plan covering Paraguay plus worldwide. Essential for serious conditions requiring travel. From ~$100/month.
SafetyWing
Nomad insurance. Affordable and flexible. Good for shorter stays. From ~$45/month.
AXA Global Salud
Comprehensive international plan. Good for high-net-worth expats. From ~$130/month.
💡 Consejo Pro: Given that complex medical cases en Paraguay often require travel to São Paulo (Brazil) or Buenos Aires (Argentina), make sure your international health insurance covers treatment in neighbouring countries, not just Paraguay.

🏦 Abrir una Cuenta Bancaria en Paraguay

A Paraguayan bank account is required for the residency deposit ($5,500) and for daily transactions. The process is relatively straightforward compared to other Latin American countries.

Bancos Recomendados

Banco Continental — Paraguay's largest private bank. Good English support. Recommended for residency applications.
Banco Itaú Paraguay — Brazilian-owned. Strong digital banking, international connections. Popular with Brazilian expats.
Banco GNB Paraguay — Good for account opening. Accepts foreigners with passport only at some branches.
BBVA Paraguay — International bank. Good for wire transfers to/from Spain and Latin America.
Banco Nacional de Fomento — State bank. Most accessible but limited digital services.

Documentos Requeridos

  • Pasaporte válido
  • Comprobante de domicilio en Paraguay (contrato de alquiler or hotel bill)
  • Police clearance certificate (some banks)
  • Proof of income or purpose of account
  • Depósito inicial ($100–$5,500 depending on account type)

Proceso Paso a Paso

  1. Visit bank branch in person
  2. For residency deposit: open a fixed-term savings account with $5,500
  3. Standard account opening takes 1–3 business days
  4. Receive account number and access for wire transfers
  5. Mobile banking available after account activation
💡 Consejo Pro: Banco Continental is the most popular bank for residency purposes among expats. The $5,500 deposit must remain in the account until residency is approved — it earns a small amount of interest in the meantime.

🏠 Comprar Propiedad en Paraguay

Paraguay has no restrictions on foreign property ownership. The market is extremely affordable — land and properties in Asunción cost a fraction of comparable Latin American cities. The legal process is straightforward.

Opciones de Propiedad para Extranjeros

Freehold Purchase
Full ownership. No restrictions for foreigners. Standard for all property types.
Agricultural Land
Foreigners can own agricultural land. Paraguay has become a major soy and cattle farming country, with expat farmers from Brazil, Germany and Mennonite communities owning large tracts.
Off-Plan / Development
Growing in Asunción's Villa Morra and Carmelitas neighbourhoods. Lower prices with developer payment plans.

Proceso de Compra

  1. Obtain a RUC (tax ID) at the SET (tax authority)
  2. Hire a Paraguayan notary (escribano) — manages the whole process
  3. Conduct a title search at the General Directorate of Public Registries
  4. Verify property is free of liens and back taxes (IBI)
  5. Sign the Escritura Pública (purchase deed) before the notary
  6. Register at the Property Registry

Costos Típicos

ConceptoCosto
Property transfer tax1.5% of sale price
Notary fees1.5–2% of sale price
Property Registry fee~$200–500
Impuesto anual sobre bienes inmuebles (IBI)Very low — typically $100–500/year
Comisión del agente3–5% (pagado por el vendedor)
💡 Consejo Pro: Paraguay is one of South America's most affordable property markets. A 2-bedroom apartment in Asunción's Carmelitas neighbourhood costs $80,000–150,000 — comparable areas in Buenos Aires or Santiago are 3–5× more expensive. Land prices in the countryside start at $500/hectare.

Acerca de esta Guía

Esta guía es investigada y mantenida por el equipo editorial de eVisa-Card.com. Última actualización : Marzo 2026. Verifique siempre los requisitos actuales con fuentes gubernamentales oficiales y consulte a un profesional autorizado antes de tomar decisiones importantes.

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💰 Fiscalidad & Exilio Fiscal

Impuesto sobre ganancias
0%
Régimen fiscal
Territorial
Cripto-compatibilidad
8/10
Exit Tax
No

Impuesto sobre ganancias: 0% on foreign-source income (territorial)

Puntos clave

  • Territorial tax: 0% on foreign-source income
  • Permanent residency with only $5,500 bank deposit
  • 10% flat tax on local income only
  • Low cost of living and easy banking

Simule sus ahorros fiscales

Use nuestro simulador gratuito de exilio fiscal para comparar sus ahorros en Paraguay.

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Información fiscal proporcionada solo como orientación general. Consulte a un asesor fiscal cualificado.

📚 Fuentes Oficiales & Referencias

Equipo Editorial — eVisa-Card.com

Guías escritas por expertos en viajes, especialistas en inmigración y expatriados con experiencia directa en Paraguay.

✔ Información verificada ✔ Actualizado Marzo 2026 ✔ Fuentes oficiales citadas