Bridgemon International Realty Panama Property Investments
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  • August26th

    Panama has earned the title as the “Hong Kong” or “Dubai” of the Americas. This has mainly been due to its significantly lower cost of living and fully “Americanized” culture. Panama is slowly becoming one of the top medical destinations, attracting US and Canadian health travelers. The reasons for this are: its proximity, excellent healthcare services, US trained and certified medical staff and its attractive natural beauty.

    Healthcare System in Panama

    Panama’s long association with the United States has left a distinct American footprint in its culture, giving it more than a hundred years advantage over other countries in providing healthcare to American patients using US standards of quality and service. This be seen in the similarities in facilities, medical procedures and practices, as well as the abundance of US trained and board certified doctors and medical staff.

    There is currently one hospital in Panama that is fully certified by the Joint Commissions International. However, all of the other top hospitals, most of which are privately owned, are fully certified by local medical accreditation bodies set by the Panamanian as well as other non- accreditation bodies.

    In addition, most of the top hospitals have affiliations and are duly recognized by international medical organizations such as the Johns Hopkins International, Baptist Health International of Miami, Cleveland Clinic, Tulane Health Science Center, Miami Children’s Hospital, University of Nebraska Medical Center, the Harvard Medical Faculty, the Kendall Medical Center and the Beth Israel Deaconess Medical Center among others.

    Top Hospitals in Panama for Medical Tourism

    Major hospitals in Panama have affiliations with prominent international medical institutions. This enables them to maintain a high quality , not only in their facilities, but also in their procedures, methodology and as well. The most prominent among these Panamanian hospitals include:

    • Hospital Punta Pacifica
      This is the only Central American medical facility that is affiliated with the Johns Hopkins Medical International and maintains the same high-end standards in facilities, services and staff. It is also the only digitally connected hospital in the and is the only hospital accredited by the Joint Commissions International.
    • Hospital Nacional

    Starting out as a 10-bed facility, the Hospital Nacional has grown over the years into an 80-bed private healthcare facility with over a hundred specialists and ultra-modern facilities.

    • Clinica Hospital San Fernando
      A private hospital affiliated with the Tulane University, Miami Children’s Hospital and the Baptist Health International Miami. The Hospital San Fernando is one of Panama’s largest hospitals, with 24-hour medical services and facilities that are fully equipped with state-of-the-art medical equipments.
    • Centro Medico Paitilla
      Located in Panama City, this 160-bed medical facility is affiliated with the Cleveland Clinic Foundation and has been in existence since 1975. It is also a certified training facility for the American Heart Association and was one of only two hospitals that provided healthcare services to US military personnel.

    Common Treatments done by Medical Tourists in Panama

    Hospitals and healthcare facilities in Panama offer a wide array of procedures and services for medical travelers, which include but are not limited to the following:

     

    Cost of Medical Treatment in Panama

    The following are cost comparisons between Medical procedures in Panama and equivalent procedures in the United States: [ sources 1 2 3 ]

      US Hospitals Panama Average Savings
    Medical Procedures      
    Angioplasty with stent $19,000 – $21,000 $10,000 – $15,000 25% – 47%
    Pace Maker $4,000 – $6,000 $1,500 – $2,300 50% – 60%
    Laparoscopic Hernia $6,000 – $8,000 $ 3,500 – $4,500 40% – 50%
    Laparoscopic Gastric Bypass $24,000 – $26,000 $14,000 – $16,000 35% – 40%
    Hip Replacement $19,000 – $21,000 $11,000 – $13,000 35% – 40%
    Arthroscopy $9,000 – $11,000 $4,000 – $6,000 45% – 55%
    Knee Replacement $19,000 – $21,000 $11,000 – $13,000 35% – 40%
    Herniated Disc $19,000 – $21,000 $6,000 – $7,000 65% – 70%
    Carpal Tunnel Release $6,000 – $8,000 $2,500 – $3,500 55% – 60%
    Plastic and Reconstructive Surgery      
    Neck Lift $10,000 – $12,000 $2,000 – $3,000 75% – 80%
    Face Lift (rhytidectomy) $10,000 – $12,000 $2,000 – $3,000 75% – 80%
    Breast Augmentation/Reduction (Mammoplasty) $5,500 – $8,000 $3,100 – $4,500 40% – 45%
    Breast Lift $5,000 – $6,000 $3,000 – $4,000 35% – 40%
    Liposuction (Lipoplasty) $4,000 – $6,500 $2,500 – $4,400 30% – 35%
    Nose Surgery (Rhinoplasty) $4,000 – $6,000 $1,500 – $2,500 55% – 65%
    Buttocks Augmentation $5,000 – $6,000 $3,500 – $4,500 25% – 30%
    Chemical Peel $900 – $1,100 $450 – $550 45% – 55%
    Obstetrics and Gynecology      
    Intrauterine Insemination $1,000 – $2,000 $800 – $900 20% – 55%
    In Vitro Fertilization $9,000 – $18,000 $4,000 – $6,000 55% – 70%
    In Vitro Fertilization with donated egg $16,000 – $20,000 $7,000 – $9,000 50% – 55%
    Eye / Ophthalmology      
    Cataract surgery $5,500 – $6,500 $2,000 – $3,000 50% – 60%
    Refractive surgery (Eximer Laser) $4,500 – $5,500 $1,500 – $2,500 55% – 60%
    Glaucoma surgery $5,500 – $6,500 $1,500 – $2,500 60% – 75%
    Refractive surgery with intraocular lens implant $5,500 – $6,500 $2,000 – $3,000 50% – 60%
    Eyelid Surgery (Blepharoplasty) $4,000 – $5,500 $1,500 – $2,500 60% – 65%
    General and Cosmetic Dentistry      
    Root Canal $900 – $1100 $250 – $350 70% – 75%
    Porcelain Crown $1,000 – $2,000 $450 – $550 55% – 75%
    Porcelain Veneers $1,000 – $2,000 $450 – $550 55% – 75%
    Composite Veneers $600 – $750 $150 – $250 45% – 70%
    Dental Implant $2,000 – $2,500 $900 – $1100 55% – 60%
    Periodontal Surgery $1,000 – $2,000 $450 – $550 55% – 75%
    Periodontal Plastic Surgery $1,000 – $2,000 $450 – $550 55% – 75%
    Periodontal Regenerative Procedures $1,200 – $1,600 $500 – $600 55% – 65%

    Malpractice and Liability Laws in Panama

    The Panamanian system has not adopted the US legalities associated with medical practices, particularly in the area of malpractice. Although doctors are responsible for their activities and performance under the law in this country, they are not required to shoulder the damages incurred during a malpractice case. The result is a lower malpractice insurance pre-requisite, which can be translated into lower procedural costs.

    Pros

    • Hospitals in Panama provide high quality health care through a large staff of US-trained doctors, physicians and other medical specialists
    • Techniques, medications, treatments and facilities used are based on the same standards used in the USA
    • Doctors and medical staff can communicate well in English
    • Panama City is considered Central America’s safest and most modern city. Even the tap water is safe to drink
    • Panama is relatively close to US and Canada.
    • The currency is the US dollar, so prices can be compared easily.

    Cons

    • There is only one JCI-accredited hospital in Panama, although a few have already submitted requests and are currently going through the accreditation process.
    • Costs of medical procedures are higher compared to other medical tourism destinations, although these are still significantly more economical as compared to the US, Canada and the UK.

    Traveling to Panama

    Direct flights to Panama City are available from major cities in the US and Canada. This close proximity and shorter travel time, makes Panama a destination choice for medical travelers.
    Average estimated travel time in hours

    From/To Panama
    New York City 5
    Los Angeles 7
    Miami 2.75
    Houston 4
    Dallas 4.5
    Washington 4.75
    Atlanta 4
    Toronto 5
    Vancouver 8

    and Exit Requirements to Panama

    USA and Canadian medical travelers with a valid passport that extends at least 6 months beyond the traveler’s intended last day of stay, do not need to get a visa to enter Panama. A tourist card can be purchased upon arrival, allowing the recipient to stay for 90 days in the country.
    Other requirements include: return tickets, sufficient funds to shoulder the stay, confirmed accommodation and other targeted facilities. Panamanian immigration laws are very strict, so it is advisable to carry your passport with you at all times to show your proof of entry and avoid any complications during your stay.

    Statistics of Medical Tourism in Panama

    Doctors have estimated that there are only hundreds of medical tourists hundreds of medical tourists from the United States visiting Panama per year. Some hospitals have declared that they have received at least 400 to 450 international patients within the last four years seeking various medical procedures.
    These figures will continue to grow, as Americans without health insurance continue to seek healthcare in nearby medical tourism destinations such as Panama. More and more baby boomers are contemplating retiring to this Latin American destination, as well as seeking healthcare services and beauty treatments at lower costs.

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  • August25th

    Information

    Posted in:

    LAS BRISAS DE AMADOR
    PANAMA CITY
    PANAMA
    CENTRAL AMERICA

    overview

    Location

    The development is situated in the extreme  South West of the Bay of Panama on the Amador Causeway. It is 10 minutes from the banking centre, the business heart of Panama City and 15 minutes from the John Hopkins hospital. The causeway offers 5 kilometers of road joining 3 Islands, Naos, Perico and Flamenco. The projects is situated on the Perico Island. Las Brisas offers uninterrupted views of Panama skyline and the South entrance to the Panama Canal.

    PROJECT DESCRIPTION AND MASTERPLAN

    Las Brisas de Amador offers 6 fundamental components; the first 3 have already been completed.

    1. Commercial Boulevard ( bar , restaurant and shops)
    2. Boutique hotel , The Amador Ocean view
    3. Managed Condo Residences  3 buildings completed
    4. Marina  ( planning stages)
    5. Port Cruise terminal ( planning stages)
    6. Hotel and Casino ( planning stages)

    CAUSEWAY TOWERS

    Managed Residences

    Managed suites overlooking marina with uninterrupted views of Panama City Skyline and Canal

    10 towers with 5 to 7 floors

    200 units in total, Tower 300 is under construction and tower 400 is completed. Tower 300 comprises 5 floors of studios

    From 60 m2

    Studios , completely furnished

    All with balconies and Ocean Views

    One parking space by unit

    Construction update

    Tower 100 finished and operational

    Tower 400 also finished and operational

    AMENITIES

    • Pool
    • Jacuzzi
    • Gym
    • Spa
    • Sun Deck
    • Room service
    • Hotel services
    • cleaning available
    • 24 hour security
    • Storage rooms
    • Free parking
    • Fully managed and administered by Wyndham
    • First option to membership to Las Brisas Marina

    MANAGEMENT

    The Wyndham Group will manage the suites under their Hawthorn flag.

    TARGETED MARKET

    The main market is the executives working the consortium involved in the Panama Canal expansion.

    Also:

    • Medical
    • Executive moving to Panama and renting short and long term before they commit to buying
    • Cruise passengers on cruise/stay program
    • owners

    ESTIMATED  RETURNS

    Process

    • Please sign and return contract after 15 days
    • Please wire 10% DEPOSIT with signed contracts
    • 10% 30 DAYS LATER
    • 10% 60 DAYS LATER
    • A signed and executed copy of contract will be returned to you 15 days after the 30% deposits have been received and cleared by bank. signed contract will also act as receipt for all deposits.

    I would like Bridgemon to contact me about this project:

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  • August25th

    INFORMATION
    Las Olas Ocean
    550 Seabreeze is currently a vacant of land which boasts 34,299 square feet of prime Atlantic Ocean frontage on Seabreeze Blvd. and S. Atlantic Avenue in Fort Lauderdale, Florida . The Project site is located just two blocks from the main shopping and dining area in Fort Lauderdale - Las Olas Boulevard.The developer intends do build the following:

    Developer is fully permited and intends to build the following:

    • 136 beautifully furnished hotel rooms with stunning ocean and bay views,
    • 9,000 square feet of restaurant space;
    • A private “Ocean Club” facility for guests and private club members;
    • 5th Floor oceanfront pool area;
    • 12th Floor 2,100 square VIP Lounge; and
    • A 700 square feet .

    The is fully entitled by the city of Ft. Lauderdale

    Attractions

    Along with its 23 miles of beautiful beaches and many notable tourist attractions. The elegant Las Olas Boulevard is walking distance from the resort and is home to a multitude of art galleries, eclectic boutiques, and sidewalk cafes that lead right into Fort Lauderdale’s upgraded downtown.

    The project is strategically located adjacent to the world renowned Bahia-MarResort & Yachting Center which has a 250 slip deepwater marina on the Intracoastal Waterway . Every year since 1959, hundreds of thousands of boating enthusiasts and marine industry professionals come together for the renowned Fort Lauderdale Boat Show, the largest in- in the world.

    World Class Marinas

    Fort Lauderdale is sometimes called the – with over 3,000 miles of navigable waterways, the area has long been a popular destination with yachting enthusiasts because of its ample mega-yacht dockage and related facilities along the Intracoastal Waterway.

    City Commitment

    In recent years Fort Lauderdale has reinvented itself. The city of Fort Lauderdale has spent more than $25 million in a major facelift, adding bike lanes, pedestrian promenades, landscaped medians and a curvaceous “wave wall”. The magnificently restored beachfront has become one of the nation’s leading luxury destinations.

    Business Travel

    There is a convention center located west of the beach which brings in over 3 million visitors per year.

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  • August25th

    Visas

    Panama is now positioning itself as the “ Costa Rica.” It has put together the most appealing program of special benefits for foreign residents and retirees you’ll find anywhere in the world today.

    In fact, anyone over the age of 18 apply and can qualify as a pensionado in Panama. All you need is a guaranteed pension income of only $500 per month ($600 per month for a couple). It must be a pension from a government agency (Social Security, disability, or armed forces) or from a company.

    As a qualified pensionado/retiree in Panama, you will be entitled to:

    • 50% off entertainment anywhere in the country (movies, theaters, concerts, sporting events)
    • 30% off bus, boat, and train fares
    • 25% off airline tickets
    • 50% off hotel stays from Monday through Thursday
    • 30% off hotel stays from Friday through Sunday
    • 25% off at restaurants
    • 15% off at fast-food restaurants
    • 15% off hospital bills (if no insurance applies)
    • 10% off prescription medicines
    • 20% off medical consultations
    • 15% off dental and eye exams
    • 20% off professional and technical services
    • 50% closing costs for home loans and more…

    In addition, you are entitled to a one-time exemption of duties on the importation of household goods (up to $10,000) and an exemption every two years of duties for the importation or local purchase of a car. All this, and you can “retire” in Panama starting at age 18.

    Plus, Panama’s pensionado law stipulates that anyone entering the country as a qualified pensioner today is guaranteed that status as long as he chooses to stay in the country.

    The general rules:

    • All visa applications must be made through a Panamanian lawyer
    • There is no age limit required for applying for any of these visas, save for the minimum legal age of 18 years. Children under 18 will qualify for a visa as dependents of their parents
    • All overseas documents to be presented to the authorities in Panama must be authenticated by a notary and by the Panamanian consulate nearest you, or by a notary and the Apostille. The Apostille (The Hague Convention of 1961) is a faster way of authenticating documents and is normally obtained through the secretary of state in your home state (in the United States) or through the foreign office (in Britain). For Canada, please check with the Panamanian Embassy or consulate nearest to your home
    • All documents must be fresh (within three months of visa application) and passports must have at least one to run
    • Dependents: Bring a marriage certificate. However, marriage certificates are not acceptable if over three months old, so you’ll need to request new ones. If your children under 18 are to be covered by your visa, you’ll need to bring new birth certificates (not originals)
    • None of these visas grants work permits
    • All visa applications require that you obtain a health certificate in Panama.

    The Pensioner Visa (Turista Pensionado)

    This visa is designed for people whose pension from a government entity or private corporation is $500 or more ($600 or more for a couple per month). It is granted indefinitely. The benefits include one-time exemption of duties for the importation of household goods (up to $10,000) and an exemption every two years of duties for the importation of a car (sales tax will still apply). However, please note that under this visa you cannot qualify to acquire Panamanian nationality.

    Private Income Retiree Visa (Rentista Retirado)

    This visa is for people who don’t have a monthly pension, are no longer working, and have received a retirement lump sum. As a visa requirement, that money is to be deposited on a five-year certificate of deposit with the National Bank of Panama, to yield at least $750 a month (at current rates, the face value of the CD would need to be approximately $220,000). The visa is renewable every five years, as long as the CD is renewed. The Private Income Retiree Visa includes such benefits as a traveling Panamanian passport (that, however, does NOT grant nationality), a one-time exemption of duties for the importation of household goods (up to $10,000), and an exemption every two years of duties for the importation of a car.

    Person of Means Visa (Solvencia Económica Propia)

    Designed for those who wish to live in Panama off their own means, without the need to work or start a . The person must have a two-year certificate of deposit in any local bank of at least $200,000. The visa is granted in two steps: First, a one-year provisional visa is granted, and then the process is repeated and the visa is approved permanently, with the right to a cedula (local identity card). Five years after obtaining the permanent visa, holders will be eligible to apply for Panamanian nationality.

    Investor Visa (Inversionista)

    Designed for those who wish to establish a business in Panama (note, though, that some retail businesses and some professions are reserved to Panamanians). There must be a minimum of $150,000 and a minimum of three permanent Panamanian employees hired. It is granted provisionally for one year and, after renewal, is granted permanently with the right to be issued a cedula. Five years after obtaining the permanent visa, holders will be eligible to apply for Panamanian nationality.

    Forestry Investor Visa (Inversionista Forestal)

    Note: Although currently suspended, this visa is being revised to be brought back.

    Designed for those who wish to make long-term investments in reforestation and take advantage of tax breaks. There must be a minimum investment of $40,000 into a duly accredited reforestation company. This investment must be kept until final harvest (approximately 20 years). This visa is granted provisionally for one year and, after renewal, it is granted permanently with the right to be issued a cedula. Five years after obtaining the permanent visa, holders will be eligible to apply for Panamanian nationality.

    Small Business Investor Visa (Inversionista de Pequeña Empresa)

    Designed for those who wish to establish a small business in Panama (note that some retail businesses and some professions are reserved to Panamanians). There must be a minimum investment of $40,00 and a minimum of three permanent Panamanian employees hired. It is granted provisionally for one year, and needs to be renewed three more times before it is granted permanently with the right to a cedula. Five years after obtaining the permanent visa, holders will be eligible to obtain Panamanian nationality.

    Residency

    Panama has one of the easiest and most affordable residency programs in the world.

    The visa process for the pensionado program in Panama is also very simple. It’s a one-time application. There are no renewals and no additional fees. Other residency programs require you to file a renewal each year. This involves time, hassle, and additional fees. In Panama, you can apply today for no more than a few thousand dollars and have residency for life. Your permit takes only a month. It’s fast. It’s affordable. It’s easy.

    Panama is truly one of the best–if not the best–residency deal in the world today. For the tiny price, the benefits are incomparable. And it is an extraordinary opportunity…

    The Panama pensionado program will not net you a passport, however. But it will grant you residency rights for life. If you want or need a Panamanian passport for tax or other reasons, don’t worry. There are many other programs you may qualify for.

    For instance, with as little as a $10,000 investment, you can start up your own business, and within nine years, be granted a Panamanian passport. Or you can invest $40,000 in a government-approved–and potentially very lucrative–reforestation project. These are just some of the additional ways in which you can qualify to liveretire, or do business in Panama.

    Rainelda Mata-Kelly, our recommended lawyer in Panama, will tell you more. Rainelda holds a master’s degree of law from Cornell University and founded the London office of a Panamanian law firm in 1983. In 1991, she became a Miami correspondent for La Prensa, the Panamanian newspaper, and then went on to be that paper’s executive editor. Since 1989, she has been engaged in her own practice, specializing in commercial and shipping law. Rainelda represents both Panamanian and foreign clients.

    Below, Rainelda details the requirements and features of the most popular programs available in Panama right now…

    Where and When

    * You need to travel to Panama in order to obtain your visa. You need to be present for the filing of the application. For most visas, you receive an interim card for three months, and within that time, the visa should be issued (sometimes it takes four months). For the Tourist Pensioner Visa, however, there is no interim card and your permanent visa should be issued about three to four weeks after filing. You need to be in Panama when the visa is issued, and you should preferably be in Panama from the filing of the application to the issuance of the visa. If you decide to travel outside Panama during that interval, you need a multiple- permit, which costs $75 per person.

    * If you obtain a visa to reside in Panama, but you wish to live overseas, we recommend that you make plans to visit Panama at least once a year (legally you may be away up to two years). In any case, you must obtain a multiple entry permit valid for up to two years before leaving and must never let it expire while overseas.

    * Once you obtain a visa in Panama, even if you decide to live here permanently but you wish to travel often or unexpectedly, we recommend obtaining a multiple-entry permit.

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  • August25th

    Insurance

    Posted in:

    Voloj & Voloj is a full service insurance brokerage firm, founded by our current , Mr. Carlos Alberto Voloj, who is an attorney at with more than 30 years of in the Panamanian insurance market.

    Our Firm is committed to customer care by offering quality services and maintaining lasting relationships with clients, always based on integrity and professionalism. We provide a broad range of traditional and innovative insurance products to individuals and companies.

    You can contact us by at (please remember to quote “Brigitte Hunt” to ensure you get the best deal):

    507-261-5169,
    507-261-4960,
    Fax 507-261-3205,
    Mobile: 507-6671-9970.

    Email: rafyvoloj@cableonda.net and volojseguros@cableonda.net

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  • August25th

    NOLAIM CORPORATION Inc. is a Panamanian Corporation specialising in the legal and banking . NOLAIM counts more than 500 satisfied clients in Europe and Latin America. The firm is owned and managed by Jean Luc Molina a French lawyer who specializes in corporate finance and banking.

    NOLAIM CORP a choice of tailormade services of the highest quality at reasonable prices.

    Corporation: incorporation, share certificate, bank account opening (on line banking), first year tax, agent fee, registration taxes, incorporation certificate, notary fees, lawyer fees: $1300

    Optional:

    • Panamanian board member $200 each;
    • International apostillation: $30 for each document;
    • VISA debit card: $150;
    • Documentation mailing: Fed-ex fee
    • English translation: $60
    • Incorporation in English: $80 notary fee

    Yearly fees:

    • Agent: $150
    • Board member (if applicable): $200 each
    • Annual tax: $300

    Other services are also available to suit the clients’ needs.

    You can contact Jean Luc Molina:

    Phone: +507 66 76 98 73

    email: molina_jl@bridgemon.com

    Ave. Samuel Lewis y Calle 53,
    Edificio Omega 5to piso,
    Panama,
    Republic de Panama

    mailing:

    NOLAIM CORPORATION Inc., PTY 16076,
    P.O. Box 025724,
    Miami, FL, 33102-5724

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  • August25th

    Mortgages

    Posted in:

    The Federal Mortgage Centre, Inc. is a company that provides financial
    services to foreign and nationals who are in the process to obtained
    properties or already purchase the property in Panama.

    Specifically in arranging mortgages through local banks, Federal Mortgage
    Centre, Inc. will provide due diligence our clients at the highest
    level in compliance with all laws and regulations of Panama.

    We look forward to provide our customers the best opportunity to get their
    mortgage loan with serious and prestigious banks, with the best rates in
    the financing market, and the shortest possible time.

    To complement our services we also provide assistance to get life and fire
    , opening banks accounts, financial advisory,
    consultation and legal services.

    Will be a pleasure for us to provide our services.

    Contact :
    Federal Mortgage Centre, Inc.
    Balboa Ave. P.H. Bay Mall
    3rd Floor Ofic. #308
    Office: 507 209-5007/5008
    Fax: 507 209-5049
    Mobile: 507 6550-2423 / 6550-3940
    Skype: federico.loans
    Email: info@loanpanama.comroman@loanpanama.comfederico@loanpanama.com
    Visit us: www.loanpanama.com

    Home Financing Specialist
    Scotiabank Panama – Personal Banking
    ph: (507) 315-6700  cell (507) 6671-5031
    email:telva.chang@scotiabank.com

    Click Here to see requirements

    ___________________________________________________________________

    LOAN REQUIREMENTS FOREIGNERS

    Home Mortgage Loans

    Juan Gabriel Alain, Tel:(507) 210-7661 Fax: (507) 210-4007

    email: juan.g.alain@hsbc.com.pa

    Requirements:

    People earning a salary

    Original Job letter, Copy of Passport, Copy of the latest two payroll receipts

    Last (2) Tax Returns ’04 and the ‘05, Signed and Completed Application (provided by HSBC)

    (2) bank reference letters (credit references preferably)

    Authorization to check credit references

    SELF-EMPLOYED

    Copy of Passport, Last (2) Income Tax Returns ’04 and the ‘05, Signed and Completed Application Form (provided by HSBC)

    (2) bank reference letters (credit references preferably)

    Authorization to check credit references

    **Note: No need to present Bank references if you live on the United Status, also please attach :

    - Copy of the last (2) Income Tax Returns ’04 and the ‘05 (Earning a Salary and Self-Employed)

    - Copy of the last (2) W-2 Forms ’04 and the ’05 (Earning a Salary)

    IMPORTANT NOTE: A life insurance must be taken out for the amount of the loan.  be included in the mortgage payment if you are under the age of 65.  A medical exam may be required to be taken in Panama depending on your age and the amount you borrow.  If not taken with the bank, a life insurance policy must be endorsed to the bank by a Panamanian insurance company.

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  • August25th

    Services

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  • May22nd

    RESOURCES

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    This is a great place for you to explain some of the services that you . You can go into in the if you’d .

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    imageAenean leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus sapien. Aliquam ipsum nisi, scelerisque et, commodo , consectetur vel, tellus. ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.Aenean tincidunt leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui. Aenean tincidunt leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec . Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.

    Web Design

    imageAenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui. Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec spien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.

    Photography

    imageAenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui. Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec spien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.

    Hand Installations

    imageAenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec sapien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui. Aenean tincidunt pharetra leo. Curabitur euismod sollicitudin elit. Donec faucibus lacus nec spien. Aliquam ipsum nisi, scelerisque et, commodo nec, consectetur vel, tellus. Cras ipsum diam, hendrerit id, accumsan sit amet, fermentum vel, dui.

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