Izin Tinggal di Peru melalui Investasi (2026): Panduan Visa Investor & Rentista

Terakhir diperbarui 19 April 2026

Sepintas

• Peru’s Investor (Inversionista) visa requires investing at least PEN 500,000 (~USD 150,000–152,000 at April 2026 rates) in a Peruvian company, new or existing (Migrasi; Chambers).
• In-country processing time for the Investor visa is currently 50–70 business days due to Migraciones restructuring delays in 2026 (Fragomen).
• Tax incentives for Real Estate Investment Funds (REIFs) remain in effect through December 31, 2026, with no confirmed extension beyond that date (EY).
• The Rentista (Independent Means) visa requires USD 1,000/month in passive income. The prior per-dependent supplement has been legislatively eliminated under Decree 1350 (Migrasi).
• Peru’s new nationality law (Ley 32421, August 2025) may extend the naturalization waiting period from 2 to 5 years once implementing regulations take effect.

Peru remains a standout in Latin America for residency by investment, offering a clear Investor visa route and a simplified Independent Means (Rentista) option. With sector-specific tax incentives and a transparent regulatory framework, 2026 is a competitive moment to evaluate Peru as a base for operations and family relocation.

Why Peru’s investment climate is attracting foreign investors

Peru pairs a pro-business policy posture with targeted tax incentives in key sectors. The agricultural sector benefits from a reduced 15% income tax rate (down from the standard 29.5%) for qualifying activities from 2026 through 2035, along with a special 20% depreciation allowance on hydraulic and irrigation infrastructure. In real estate, incentives for investment funds have been extended through at least the end of 2026, sustaining momentum in property-related development and financing (EY).

Additional investment incentives introduced in recent years include a 20% tax credit for reinvestment of after-tax profits in the textile and clothing sector (Law 31969, effective 2024–2028) and extended enhanced deductions for R&D spending (Law 32539, December 2025). Peru’s standard corporate income tax rate is 29.5% for resident companies, with a 30% rate applied to non-resident companies on Peruvian-source income.

For individuals seeking Peru residency by investment, the regulatory framework is transparent: the Investor (Inversionista) visa sets a clear threshold and the Rentista visa offers a predictable passive-income route (Migraciones — Investor; Migraciones — Rentista).

Business (Inversionista) visa — eligibility and documents

The Investor (Inversionista) residence category is designed for those who inject capital into Peru-based companies. Applicants must invest at least PEN 500,000 (~USD 150,000–152,000 at April 2026 exchange rates) in an existing or newly incorporated Peruvian company. The capital must be fully subscribed, paid in cash, and executed in a single act verified via bank transfer (Migrasi).

The initial residence permit is valid for 365 days and is renewable annually, provided the investment is maintained and the employment generation mandate is met. In-country processing currently takes 50–70 business days due to internal restructuring at Migraciones in 2026, up from the official 30-day target.

Document checklist — Investor visa

The following documents are required when filing through the Migraciones Agencia Digital portal:

• Completed application form via Agencia Digital MIGRACIONES
• Proof of fee payment (S/ 58.80 base government fee for in-country filing; S/ 107.50 at consulates abroad. Additional costs for Carné de Extranjería issuance may apply)
• Salinan paspor yang masih berlaku
• Police/criminal background certificates from country of nationality and any country of residence in the last 5 years (apostilled and translated into Spanish)
• Investment proof: bank transfer SWIFT confirmation and bank letter confirming deposit of at least S/ 500,000
• Company deed: escritura pública de constitución for new companies or escritura pública de aumento de capital for capital increases (issued within the last 3 months)
• Business plan demonstrating commitment to create approximately 5 Peruvian jobs within the first year (certified by an economist)
• Foto ukuran paspor
• Affidavit of no criminal records in Peru
• Proof of lawful origin of funds
• RUC/SUNAT registration

Filing can be done remotely via the Migraciones online portal, and lawyers commonly act under an apostilled power of attorney. Physical presence is likely required for biometrics and Carné de Extranjería collection. For assistance with entity setup and compliance in Peru, see our registrasi Bisnis panduan.

How to apply — Investor visa step by step

1. Plan your investment: Decide whether to capitalize a new Peruvian company or invest in an existing one and target at least PEN 500,000 (~USD 150,000–152,000).
2. Complete corporate formalities: Incorporate or acquire equity and prepare all supporting documentation listed above. The company deed must be no more than 3 months old at filing.
3. Lamar online: Submit your application through the Migraciones Agencia Digital with the required documentation (Migrasi).
4. Tunggu keputusan: Expect approximately 50–70 business days for processing in 2026. Plan for possible biometric appointments during this period.
5. Collect your Carné de Extranjería: Once approved, attend in person to receive your foreign resident card, valid for 365 days.

At a glance: Investor vs. Rentista

Capital investment thresholds and common misconceptions

There are recurring myths around Peru’s residency-by-investment thresholds. The practical, current benchmark for the Investor visa is a single figure: PEN 500,000 (~USD 150,000–152,000) invested into a Peruvian company, whether newly incorporated or already operating. Official Migraciones guidance does not list separate “no-minimum” fast tracks or multi-million-dollar carve-outs for residence — applications are processed under the standardized Inversionista category (Migrasi).

Another common misconception concerns processing speed. While the official target is 30 business days, in-country applications in 2026 are experiencing delays of 50–70 business days due to internal restructuring at Migraciones. Applicants filing from abroad (via consulate) may experience different timelines.

Real estate investment opportunities and tax incentives

Peru’s real estate market is supported by specific tax incentives for Real Estate Investment Funds (Fondos de Inversión en Renta de Bienes Inmuebles, or FIRBIs) and similar vehicles. These incentives — originally under Legislative Decree 1188 and extended by Law 31650 (December 29, 2022) — remain in effect through December 31, 2026. No legislation extending the incentives beyond that date has been enacted as of April 2026 (EY).

Key REIF tax benefits for foreign investors

• Income tax deferral on contribution of real estate to the fund — tax is paused until the fund sells the property or the investor transfers participation certificates
• Transfer tax deferral on the initial contribution of property into the fund
• 5% pemotongan pajak on rental income distributed to non-resident individuals
• 24% pemotongan pajak on rental income distributed to non-resident legal entities

Practical implications for foreign investors considering Peru residency by investment:

• If your primary goal is residency, align your capital with the Investor (company equity) route to satisfy the PEN 500,000 requirement.
• If your goal is portfolio exposure to Peruvian property, consider REIFs/FIRBIs for potential tax-efficient returns; that decision is separate from the immigration category.
• If you plan to hold real estate long-term, factor in that the REIF incentives have no confirmed extension past December 31, 2026.

For broader planning beyond Peru — entity formation, property transactions, and tax optimization — see our guides on real estate, pajak, dan perbankan.

Independent Means (Rentista) visa — requirements and family implications

Peru’s Rentista category is a streamlined pathway for individuals with passive income. Applicants must demonstrate at least USD 1,000 per month in qualifying passive income from foreign sources. The prior additional USD 500 per dependent requirement was legislatively eliminated when Legislative Decree No. 1350 (the current Ley de Migraciones) replaced the old law. Dependents — spouse and children under 25 — can be included without proving additional income (Migrasi).

What counts as qualifying passive income

• Rental income from real estate abroad (with lease contracts and banked payments)
• Pensions from abroad (state or private)
• Dividends from shareholdings, investment funds, or corporate participations
• Interest from bank deposits, bonds, or similar financial instruments

Active income such as salary, consulting fees, or remote work does tidak qualify for the Rentista category.

Document checklist — Rentista visa

• Paspor yang masih berlaku (masa berlaku 6+ bulan)
• Foto ukuran paspor
• Birth certificate (apostilled and translated into Spanish)
• Marriage certificate if including spouse (apostilled and translated)
• Birth certificates of dependent children (apostilled and translated)
• Police/criminal record certificates from country of nationality and prior residences (apostilled and translated)
• Bukti asuransi kesehatan
• Bank statements showing 3+ months of passive income at or above USD 1,000/month
• Source documentation: lease agreements, pension letters, dividend/broker statements, or deposit certificates
• Income guarantee document (notarized/legalized)
• Application forms via Migraciones Agencia Digital
• Proof of fee payment (base government fee: approximately S/ 58.80)

How to apply — Rentista visa step by step

1. Konfirmasi kelayakan: Verify that your passive income meets or exceeds USD 1,000/month from qualifying foreign sources.
2. Siapkan dokumen: Gather all items listed above. Apostilling and translating certificates may take several weeks, so start early.
3. Lamar online: File via the Migraciones Agencia Digital (Migrasi) and follow any biometric or verification steps as instructed.
4. Include dependents: Spouse and dependent children may be processed in connection with the principal applicant’s application.

If you are weighing Investor vs. Rentista for family relocation, compare the predictability of passive income with the business goals that might justify the Investor route. For multi-jurisdiction residency comparisons, see our izin tinggal ikhtisar.

Jalan menuju tempat tinggal tetap dan kewarganegaraan

Both the Investor and Rentista visa categories can lead to permanent residence and, eventually, Peruvian citizenship. Here is what the current pathway looks like:

Temporary to permanent residence

After maintaining legal temporary residence for a minimum of 3 consecutive years, holders of either visa category may apply for permanent residence. During this period, applicants should maintain physical presence in Peru of at least 183 days per year and continue meeting the financial requirements of their visa category (investment maintenance for Investors, ongoing passive income for Rentistas). A clean criminal record in Peru and abroad is required.

Naturalization and citizenship

As of early 2026, Migraciones still applies a 2-year continuous legal residence requirement in practice for naturalization applications. However, Hukum 32421, published in August 2025, represents the most significant overhaul to Peru’s nationality law in three decades. Once implementing regulations take effect, the naturalization waiting period is expected to increase from 2 years to 5 years (4 years for Latin American nationals). The administrative rules are still being finalized as of April 2026.

Peru permits dual citizenship. There is no confirmed investor-specific accelerated naturalization track — all categories follow the same general framework. Conservative planning timeline: 3 years temporary residence, then permanent residence, then 2–5 years to citizenship depending on when the new law’s regulations take effect. Total: approximately 5–8 years.

For a comparison of citizenship timelines across jurisdictions, see our kewarganegaraan panduan.

Choosing between the Investor visa and the Rentista visa depends on your objectives: business expansion versus passive-income stability. For multi-jurisdiction comparisons and long-term planning — including alternative tempat tinggal options, future kewarganegaraan goals, and the right Visa strategy — our team can map out timelines, entity structures, and tax considerations.

Pertanyaan yang sering diajukan

Ready to explore Peru residency? For tailored planning across immigration, corporate, and tax dimensions — hubungi kami.