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持一般牌照的私营银行定期存款：75万美金。\u003C\u002Fp>\u003Cp>这里要辟一个广泛流传的误读：\u003Cstrong>市面上有说法称"10月15日之后30万全面涨到50万"。\u003C\u002Fstrong>这个时间点来自旧722号令里一手房30万优惠的原定到期安排。第17号行政令出台后，一手新房30万的路径被保留了下来，真正涨到50万的是二手房，而不是所有房产。也就是说，10月15日这个"全面涨价日"在新政框架下并不成立——一手房30万窗口仍然开着。\u003C\u002Fp>\u003Cp>需要提醒的是，二手房的认定不是指"买第二套房"，而是看房产本身的状态：只要这套房子此前被卖过、住过、出租过、或转让给过无关第三方，就算二手，不管你是第几套。可计算的净值取"实际成交价"与"合理商业价值"两者中的较低者，再减去房产上未结清的抵押负担。举个例子，你花55万买了一套二手房，但官方认可的商业价值只有48万，就算没有抵押，也够不到50万的门槛。\u003C\u002Fp>\u003Ch2>二、坑一：过渡期申请——6个月窗口，什么样的合同才算"赶得上"\u003C\u002Fh2>\u003Cp>新政9月16日生效，很多已经在看房、甚至已经签了约的家庭最关心：我还能按旧规则办吗？\u003C\u002Fp>\u003Cp>第17号令的过渡规则分三层。\u003Cstrong>第一层，9月16日生效前已经正式递交的申请，按递交时的规则办理。\u003C\u002Fstrong>第二层，9月16日之前已经完成的投资、或者已经签署的有法律约束力的合同，可以在生效之日起6个月内（即2027年3月16日之前）递交申请，并按旧规则的金额和条件办理。第三层，旧"自身经济能力"类别的持有人，有12个月时间申请转换为合格投资者类别，但2020年10月15日之前完成的投资不能走这个转换。\u003C\u002Fp>\u003Cp>实操里最容易踩的坑，是把"过渡期"理解成了"现在签合同也来得及"。\u003Cstrong>第二层保护的是9月16日之前已经完成的投资或已经成立的约束性合同，而不是9月16日之后才补签的协议。\u003C\u002Fstrong>口头约定、意向书、未付定金的草签合同，算不算"约束性合同"，官方暂未公布统一认定口径，需要由巴拿马本地律师逐案判断。如果你在9月16日之前已经付了定金、签了正式买卖协议，建议立刻让律师把签约日期、付款凭证、合同文本整理成包，赶在2027年3月16日之前递交，不要拖到最后一个月。\u003C\u002Fp>\u003Cp>还有一条容易被忽略：第19条明确规定，新的估值和核查规则不溯及既往，不能用来否定之前已经认证通过的投资——除非有客观证据指向虚假、模拟、欺诈或资金非法来源。这对已经拿了身份的老客户是个定心丸。\u003C\u002Fp>\u003Ch2>三、坑二：期房风险——这一次，法令终于给了"银行保函"这把伞\u003C\u002Fh2>\u003Cp>第17号行政令对期房（预售合同）做了专门的保护性设计，这是新政里对申请人最友好的一条。\u003C\u002Fp>\u003Cp>期房路径最低30万美金，有两种操作方式。\u003Cstrong>第一种是信托托管\u003C\u002Fstrong>，钱放在巴拿马持牌银行或信托公司监管的信托账户里。\u003Cstrong>第二种是100%付款给开发商\u003C\u002Fstrong>，这种方式下，法令要求必须有一份银行工具为投资人兜底：由巴拿马持牌银行出具，不可撤销、无条件、见索即付，覆盖至少全额投资款，并且一直有效到房产建成、分割登记、过户到投资人名下为止。它可以是备用信用证、不可撤销银行担保或银行履约保函。\u003C\u002Fp>\u003Cp>还有两个时间限制必须知道。第一，如果因为开发商违约导致预售合同无法履行，法令给了180个工作日的替换期，从约定交付期满后的下一个工作日起算；但通过另一个预售合同来替换，\u003Cstrong>只能用一次\u003C\u002Fstrong>。第二，完全依赖预售合同维持的移民身份，无论连续还是累计，\u003Cstrong>不能超过三年\u003C\u002Fstrong>——也就是说，期房身份是过渡性的，房子最终必须建成、登记到你名下，否则到期身份会出问题。\u003C\u002Fp>\u003Ch2>四、坑三：资金溯源——赠与不算数，钱必须是你自己的\u003C\u002Fh2>\u003Cp>资金来源是第17号令着墨很重的一块，也是中国申请人最容易出问题的环节。\u003C\u002Fp>\u003Cp>法令明确要求：投资资金必须属于申请人本人、来自境外、并且有完整可追溯的资金链路。\u003Cstrong>第三方的赠与、赠送或其他无偿转账，不计入最低投资金额。\u003C\u002Fstrong>换句话说，让亲戚朋友打一笔钱过来凑数这条路，在新政下是走不通的。\u003C\u002Fp>\u003Cp>好消息是灵活性也在：投资人可以以个人名义，也可以用在境外合法设立、状态良好的公司名义投资；房产投资甚至认可巴拿马本地公司、外国公司和私人利益基金会持有。但前提是，你必须能证明自己是最终受益所有人、对这笔投资有实际控制权，公司的存续、股权、代表权和控制结构都要拿得出文件。\u003C\u002Fp>\u003Ch2>五、坑四：年审——不是不用管，而是每年有一个30天窗口\u003C\u002Fh2>\u003Cp>新政保留了5年投资持有期，也保留了每年通过巴拿马工商工业部（MICI）做投资存续审核的机制。但今年的规则里，提交时间窗被讲得更死了。\u003C\u002Fp>\u003Cp>法令要求，投资必须维持至少5年，由投资人的法定代理人每年通过MICI向国家移民局做存续确认，\u003Cstrong>材料必须在移民决议周年日之前的30个日历天内提交\u003C\u002Fstrong>。错过这个窗口，不是补材料那么简单，而是可能触发身份状态异常。\u003C\u002Fp>\u003Cp>另外两个数字也要记牢：MICI出具投资认证的时限是完整收件后15个工作日，移民局审理永居申请的时限是完整收件后30个工作日。如果你中途想换投资——比如把房子卖了换另一处——必须在投资终止后的30个日历天内通知MICI，然后在90个日历天内完成等值再投资。这是两个独立的期限，别混在一起。\u003C\u002Fp>\u003Cp>至于大家最关心的证券投资波动：法令考虑了市场风险，\u003Cstrong>市值非因投资人主观原因下跌，本身不构成不达标\u003C\u002Fstrong>，只要没有主动撤资、处置或设押，并且在收到MICI通知后的90个日历天内补足金额即可。\u003C\u002Fp>\u003Cp>这里再辟一次谣：年审审核的核心是"投资还在不在、是否持续有效"，\u003Cstrong>不是每年重新评估你买的房子市值涨了还是跌了\u003C\u002Fstrong>。第三方商业评估报告只在官方有合理怀疑、认为申报价格与市场价值不符时才会被要求补充，不是每笔申请的法定前置材料。\u003C\u002Fp>\u003Ch2>六、新政落地，北极星移民的三条实操建议\u003C\u002Fh2>\u003Cp>第一，还在观望的家庭，优先走一手新房或合规期房路径，30万美金的门槛目前没有变化；二手房虽然涨到50万，但如果房源本身位置好、价值扎实，在充分估值后也未必不划算，关键是别按30万的老预算去看二手房。\u003C\u002Fp>\u003Cp>第二，9月16日之前已经签约或付款的客户，立刻整理合同和付款凭证，在2027年3月16日过渡期截止前完成递交，不要卡在临界点；不确定自己的合同算不算"约束性合同"的，让律师逐件认定，不要自己拍脑袋。\u003C\u002Fp>\u003Cp>第三，资金提前规划。赠与凑数、短期拆借给资金、链路说不清楚，都是递件时被要求补件甚至拒批的高频原因。北极星移民巴拿马项目部可以在签约前先帮客户做一轮材料和资金链路预审，把可能被要求补件的节点提前堵掉，避免临阵返工。\u003C\u002Fp>\u003Cp>作为中国大陆首批推广巴拿马合格投资者永居项目的机构，北极星移民已实现15组客户100%获批，拥有从递交到永居获批仅8天的行业最快纪录。董事长夏竹青先生曾实地拜访巴拿马移民局下设的工商部办公室，并亲赴巴拿马与合作律师事务所深度对接——新政刚出台，我们已经在第一时间和本地律师逐条核对了第17号令的过渡期适用、期房保函格式和年审窗口期。政策一变，最先受影响的是信息最不对称的申请人；信息越早到位，选择就越主动。\u003C\u002Fp>\u003Ch2>常见问题\u003C\u002Fh2>\u003Cp>\u003Cstrong>Q：巴拿马30万移民是不是已经结束了？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：没有。一手新房和合规期房仍是30万美金，涨到50万的是二手房。判断依据是房产本身是否被交易过，不是你买第几套。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q：我9月初签了购房定金协议，还能按旧价办吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：9月16日之前已经成立的约束性投资或合同，可以在2027年3月16日之前递交并适用旧规。但"约束性合同"的具体认定需要律师结合签约日期、付款凭证逐案判断，建议尽快整理材料。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q：买期房安全吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：新政要求100%付款给开发商的期房必须有巴拿马银行出具的不可撤销、见索即付的全额保函，有效期至房产建成登记。选项目时把保函条款作为硬性条件，可以大幅降低烂尾风险。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q：钱是我父母给的，能算我的投资款吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：法令明确第三方赠与、无偿转账不计入最低投资额。资金必须属于申请人本人且有完整境外来源链路。建议提前规划资金路径，不要临时用亲友账户凑款。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q：拿到身份后每年要做什么？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：5年持有期内，每年在移民决议周年日前30个日历天内，通过MICI提交投资存续确认即可。无需每年做房产估值，也无强制居住要求。\u003C\u002Fp>\u003Cp>巴拿马这次修法，本质上是在把规则讲得更细、把申请人的保护伞搭得更实。规则越细，越考验执行端对法条的理解和对本地资源的调度。如果你正在对照新政算账，或者对自己手里的合同、资金链路有没有踩线拿不准，欢迎联系北极星移民巴拿马项目部，我们基于第17号令原文和本地律师意见，帮你把情况逐条核对清楚。\u003C\u002Fp>","\u002Fuploads\u002F1791356032030416564.jpg",[566,567,568,569,570,571,572,573],"巴拿马移民","巴拿马永居","巴拿马合格投资者永居","巴拿马第17号行政令","巴拿马投资移民2026","巴拿马30万移民","巴拿马二手房移民","巴拿马移民过渡期",{"md":575,"sm":578,"thumb":581},{"url":576,"width":577},"\u002Fuploads\u002F1791356032030416564_md.jpg",720,{"url":579,"width":580},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