Guide Expatriation : Paraguay 2026

Paraguay is Latin America's best-kept secret for expats seeking a low-tax, low-cost destination. The country operates on a territorial tax system (only local income is taxed), permanent residency is obtainable in 3 months, et the cost of living is among the lowest in South America. Asunción is a modern, safe capital with a growing expat community.

Dernière mise à jour : Mars 2026 — Équipe éditoriale, eVisa-Card.com

Paraguay en Bref

CapitaleAsunción
MonnaieParaguayan Guaraní (PYG) / USD
LangueSpanish, Guaraní
Coût mensuel~$700–1,400/mois

🛂 Visa & Options de Résidence

Type de VisaDétails
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)Pour les retraités with a pension of $1,250/mois. Permanent residency. Populaire auprès de Nouth American et European retirees.
Investou VisaInvestment in Paraguayan business or real estate. No strict minimum but typically $70,000+ demonstrated.
Visa-Free EntryUS, EU, UK et many other nationalities: 90 days visa-free. Renouvelable avec une sortie frontalière rapide.

Processus Étape par Étape

  1. Hire a Paraguayan immigration lawyer (budget $500–2,000 total)
  2. Ouvrez un compte bancaire paraguayen et effectuez le dépôt de 5 500 $
  3. Rassemblez les documents : passport, police clearance, birth certificate, proof of income
  4. Apostille all foreign documents et 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. Postulez pour tax residency certificate (for international tax purposes) — optional but valuable
💡 Conseil Pro : Paraguay's permanent residency is one of the fastest et 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 et investors.

🏥 Santé en Paraguay

Santé Publique

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

Santé Privée

Hôpital privés in Asunción fournit the best care: Hospital Bautista, Centro Médico La Coûta, Hospital Adventista. Quality is acceptable for routine et moderate care, but complex procedures may require travel to Brazil or Argentina. Coûts are very low by international standards.

Coûts Typiques

ServiceCoût
Consultation médecin généraliste privée$30–60
Consultation spécialiste$50–120
Urgences (private)$100–400
Hospitalisation (private, per night)$200–600
Détartrage dentaire$30–60
Major dentaire work40–60% cheaper than US
ℹ️ Recommandé : Most expats use private healthcare in Asunción et maintain international assurance santé for serious conditions requiring treatment in Brazil, Argentina or the US.

🛡️ Assurance Santé au Paraguay

Private assurance santé n'est pas requise for residency in Paraguay. Cependant, given the limitations of the local healthcare system for serious conditions, international assurance santé est fortement recommandée.

Meilleurs Assureurs pour Expatriés

La Consolidada
Paraguay-based insurer. Affoudable local plans. Good for routine care in Asunción. À partir de ~100 $/mois.
Mapfre Paraguay
Regional insurer with local hospital network. À partir de ~120 $/mois.
Cigna Global
International plan covering Paraguay plus worldwide. Essential for serious conditions requiring travel. À partir de ~100 $/mois.
SafetyWing
Nomad insurance. Affoudable et flexible. Bon pour shouter stays. À partir de ~45 $/mois.
AXA Global Healthcare
Comprehensive international plan. Bon pour high-net-worth expats. À partir de ~130 $/mois.
💡 Conseil Pro : Given that complex medical cases in Paraguay souvent require travel to São Paulo (Brazil) or Buenos Aires (Argentina), make sure your international assurance santé covers treatment in neighbouring countries, not just Paraguay.

🏦 Ouvrir un Compte Bancaire au Paraguay

A Paraguayan bank account est requis(e) for the residency deposit ($5,500) et pour les transactions quotidiennes. The process is relatively straightforward compared to other Latin American countries.

Banques Recommandées

Banco ContinentalParaguay's largest private bank. Bon support en anglais. Recommended for residency applications.
Banco Itaú ParaguayBrazilian-owned. Strong digital banking, international connections. Populaire auprès de Brazilian expats.
Banco GNB ParaguayBon pour account opening. Accepts foreigners with passport only at some branches.
BBVA ParaguayInternational bank. Bon pour wire transfers to/from Spain et Latin America.
Banco Nacional de FomentoBanque d'État. La plus accessible mais services numériques limités.

Documents Requis

  • Passeport valide
  • Justificatif de domicile en Paraguay (rental contract or hotel bill)
  • Police clearance certificate (some banks)
  • Preuve de revenus or purpose of account
  • Dépôt initial ($100–$5,500 depending on account type)

Processus Étape par Étape

  1. Rendez-vous à l'agence bancaire en personne
  2. For residency deposit: ouvrez un fixed-term savings account with $5,500
  3. Standard account opening takes 1–3 jours ouvrables
  4. Recevez votre numéro de compte et l'accès pour les virements
  5. Mobile banking available après account activation
💡 Conseil Pro : Banco Continental est le plus populaire 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.

🏠 Acheter un Bien Immobilier au Paraguay

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

Options pour les Étrangers

Freehold Purchase
Pleine propriété. Aucune restriction pour les étrangers. Standard pour tous les types de biens.
Agricultural Let
Foreigners can own agricultural let. Paraguay has become a major soy et cattle farming country, with expat farmers from Brazil, Germany et Mennonite communities owning large tracts.
Off-Plan / Development
Growing in Asunción's Villa Moura et Carmelitas neighbourhoods. Lower prices with developer payment plans.

Processus d'Achat

  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 Directouate of Public Registries
  4. Verify property is free of liens et back taxes (IBI)
  5. Signez le/la Escritura Pública (purchase deed) avant the notary
  6. Inscrivez-vous à the Property Registry

Coûts Typiques

ÉlémentCoût
Taxe de transfert immobilier1.5% of sale price
Frais de notaire1.5–2% of sale price
Property Registry fee~$200–500
Annual property tax (IBI)Very low — typically $100–500/an
Commission de l’agent3–5 % (payé par le vendeur)
💡 Conseil 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.

À propos de ce Guide

Ce guide est recherché et maintenu par l’équipe éditoriale de eVisa-Card.com. Dernière mise à jour : Mars 2026. Vérifiez toujours current requirements with official government sources et consult a licensed professional avant making major decisions.

💰 Fiscalité & Exil Fiscal

Impôt sur les plus-values
0%
Régime fiscal
Territorial
Crypto-compatibilité
8/10
Exit Tax
No

Impôt sur les plus-values: 0% on foreign-source income (territorial)

Points clés

  • Territorial tax: 0% on foreign-source income
  • Résidence permanente avec seulement 5 500 $ de dépôt bancaire
  • 10% impôt foufaitaire on local income only
  • Low cost of living et easy banking

Simulez vos économies d'impôts

Utilisez notre simulateur gratuit d'exil fiscal pour comparer vos économies en Paraguay.

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Informations fiscales fournies à titre indicatif uniquement. Consultez un conseiller fiscal qualifié avant toute décision de relocalisation.


📚 Sources Officielles & Références

Équipe Éditoriale — eVisa-Card.com

Guides écrits par des experts en voyage, spécialistes en immigration et expatriés avec une expérience directe en Paraguay.

✔ Informations vérifiées ✔ Mis à jour Mars 2026 ✔ Sources officielles citées