🏦 Calculadora Hipotecaria & Inversión Panamá

Compara tasas bancarias y calcula tu ROI real de inversión después de todos los costos

🏦 Tasas Hipotecarias de Bancos de Panamá (2026)

Rates are approximate and subject to change. Contact banks directly for exact quotes.

Banco	Rango de Tasa	Plazo Máx.	LTV Máx.	Preferencial	Notas
Banco General	6.00% – 7.00%	30 yrs	80%	✓	Banco más grande de Panamá. Mejores tasas para clients.
BAC Credomatic	7.50% – 8.75%	30 yrs	80%	✓	Banco regional. Tasas más altas, términos flexibles para foreigners.
Banistmo	6.50% – 7.50%	30 yrs	80%	✓	Subsidiaria de Bancolombia. Buena plataforma digital. Competitive for locals.
Global Bank	6.50% – 7.50%	25 yrs	80%	✓	Banco local. Ofrece programas de interés preferencial.
Multibank	6.75% – 8.00%	25 yrs	75%	✓	Tasas competitivas. Proceso de aprobación rápido.
Bladex	7.00% – 8.50%	20 yrs	70%	—	Enfoque internacional. Mejor para commercial/investment properties.

🏛️ Ley de Interés Preferencial (Law 468, 2025)

Government-subsidized mortgage rates for primary residences (effective Jan 2026):

5.0%

Hasta $50K · 8 años

4.5%

$50K–$80K · 7 yrs

4.0%

$80K–$120K · 7 yrs

📊 Investment P&L Calculator

Calculate your true ROI including all costos and income

💰 Purchase

Precio de Propiedad ($)

Enganche (%)

Closing Costs (%)

Área (m²)

🏦 Financing

Interest Rate (%)

Term (years)

📈 Revenue

Monthly Rent ($)

Occupancy Rate (%)

Annual Rent Increase (%)

🔧 Monthly Operating Costs

HOA / Maintenance ($)

Insurance ($/mo)

Property Tax ($/mo)

Management Fee (%)

Repairs Reserve ($/mo)

Utilities ($/mo)

⚠️ This calculator is for estimation purposes only. Consult with a financial advisor and contact banks directly for actual rates and terms. Property tax exemptions may apply for new construction in Panama (20-year exemption on property taxes for buildings from Jan 2012+).