首页 侨民指南 Paraguay

侨民指南：2026年在巴拉圭生活

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, and the cost of living is among the lowest in South America. Asunción is a modern, safe capital with a growing expat community.

最后更新：2026年3月 — 编辑团队, eVisa-Card.com

巴拉圭概况

首都Asunción
货币Paraguayan Guaraní (PYG) / USD
语言Spanish, Guaraní
月均花费~$700–1,400/month

📋 目录

  1. 签证与居留
  2. 医疗保健
  3. 健康保险
  4. 银行账户
  5. 购买房产
  6. 税务与财务移民

🛂 签证与居留选项

签证类型详情
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 in 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.

分步流程

  1. Hire a Paraguayan immigration lawyer (budget $500–2,000 total)
  2. Open a Paraguayan bank account and make the $5,500 deposit
  3. Gather documents: 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
💡 专家提示： 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.

🏥 医疗保健 — Paraguay

公立医疗

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.

私立医疗

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

典型费用

服务费用
私人全科医生咨询$30–60
专科医生咨询$50–120
Emergency room (private)$100–400
Hospitalisation (private, 每晚)$200–600
洁牙$30–60
Major dental work40–60% cheaper than US
ℹ️ 推荐： Most expats use private healthcare in Asunción and maintain international health insurance for serious conditions requiring treatment in Brazil, Argentina or the US.

🛡️ 健康保险 in Paraguay

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

最佳外籍人士保险公司

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 医疗保健
Comprehensive international plan. Good for high-net-worth expats. From ~$130/month.
💡 专家提示： Given that complex medical cases in 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.

🏦 Opening a 银行账户 in 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.

推荐银行

Banco Continental — Paraguay's largest private bank. Good English support. 推荐 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.

所需文件

  • Valid passport
  • Proof of address in Paraguay (rental contract or hotel bill)
  • Police clearance certificate (some banks)
  • Proof of income or purpose of account
  • Initial deposit ($100–$5,500 depending on account type)

分步流程

  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
💡 专家提示： 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.

🏠 购买房产 in 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.

Options for Foreigners

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.

购买流程

  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

典型费用

Item费用
Property transfer tax1.5% of sale price
Notary fees1.5–2% of sale price
Property Registry fee~$200–500
年度房产税 (IBI)Very low — typically $100–500/year
中介佣金3–5% (paid by seller)
💡 专家提示： 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.

关于本指南

本指南由eVisa-Card.com编辑团队研究和维护。 最后更新：2026年3月。 在做出重大决定之前，请始终向官方政府来源核实当前要求，并咨询持牌专业人员。

相关移居指南

所有移居指南
退休签证指南
最便宜的退休国家

💰 税务与财务移民

资本利得税
0%
税务制度
领土制
加密货币友好度
8/10
离境税
否

资本利得税: 0% on foreign-source income (territorial)

主要税务要点

  • 领土制 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

模拟您的税务节省

使用我们的免费财务移民模拟器，比较您在巴拉圭的税务节省。

🚀 模拟您的税务节省 →

由 Taxes-Crypto.eu

税务信息仅供一般参考。在做出移居决定前，请咨询合格的税务顾问。

📚 官方来源与参考资料

编辑团队 — eVisa-Card.com

侨民指南由旅游专家、移民专家和具有巴拉圭第一手经验的侨民撰写。

✔ 经过核实的信息 ✔ 更新于2026年3月 ✔ 引用官方来源