Resolution 407/2026 explained: the new solvency rules for permanent residency

What is Resolution 407/2026 and when does it apply?

Resolution 407/2026 is an administrative regulation of the Direccion Nacional de Migraciones (DNM). It governs which documents foreigners must use to prove their economic solvency when switching from temporary to permanent residency. Issued on June 25, 2026, applied to all applications submitted from July 6, 2026. Applications submitted before this cut-off date still run under the old rules.

The core of the new regulation: what counts is no longer what you have studied or could own, but whether you can prove that you generate income. In its announcement, the DNM explicitly states that the documents submitted will be checked against the declared activity. So anyone who stated "consultant" as their activity for the temporary residency should also be able to show income from consulting for the permanent application, not something completely different.

The rules apply uniformly to the general route under Ley 6984/2022 and to the Mercosur route. For you as an applicant from Germany, Austria or Switzerland, the general route is the relevant one.

Why is Paraguay tightening the solvency rules right now?

The background is record numbers. From January to September 2025 alone, Paraguay approved 33,589 residencies, after 29,126 in the whole of 2024. DNM director Jorge Kronawetter spoke to the newspaper La Nacion of a historic record. Paraguay has thus become one of the most sought-after residency destinations in South America, and the authority is responding with stricter criteria at the most important threshold of the system.

This threshold is the switch to permanent residency. Since the migration law Ley 6984/2022, temporary residency requires no proof of solvency; a sworn statement about the planned activity is enough. The solvency check only takes place with the permanent application, that is, after roughly two years in the country. It is precisely this check that Resolution 407/2026 has now reorganized and tightened.

Back in 2022, the old route to immediate permanent residency via bank deposit had already been abolished. Resolution 407/2026 is the next step along the same line: Paraguay wants residents who are economically active in the country or from there, not mere paper entries.

Which 12 solvency categories exist and what proof belongs to each?

The following table summarizes the 12 categories and the respective required proof, as they appear on the official DNM page on the category change. You only have to fulfill one category, namely the one that matches your declared activity.

What does this mean in practice for employees, self-employed people, remote workers, retirees and spouses?

The categories read technically, but they come down to a few typical profiles. Here is how you place yourself:

• →Employees in Paraguay (category 3): the simplest case. A local employment contract registered with the authorities or the IPS registration of your Paraguayan employer is enough.
• →Remote workers with a foreign employer (category 5): you are employed, but you do not belong in category 3, you belong in the remote category. You need a certificate from your employer or client showing the income amount and payment method, apostilled and translated into Spanish.
• →Self-employed (category 4): the most demanding category, because it requires a Paraguayan RUC with tax history. Details and timing are in the next section.
• →Retirees and pensioners (category 10): you submit your pension statement showing amount and payment method. For German, Austrian or Swiss statements the general DNM rule applies: have them apostilled and translated into Spanish. The published category list does not name an official minimum pension amount.
• →Spouses without their own income (category 11): it is enough if one of the two of you fulfills one of the categories. The other proves solvency via the marriage certificate plus the ID of the earning partner.
• →Children and adolescents under 18: according to the official DNM pages, minors are exempt from all solvency requirements; the financial responsibility is taken on by the legal representative.

Is the diploma route really over?

Yes, as a standalone solution. Before Resolution 407/2026, a recognized university degree was in many cases accepted in day-to-day practice as sufficient proof of solvency; several real-world sources report this consistently, although there was never any clean official documentation of this old practice. Many emigrants had their diplomas apostilled for exactly this purpose.

Since July 6, 2026, the degree is only one building block of categories 1 and 2, and always in combination with active proof of income: IPS registration, a registered employment contract or 3 months of IVA filings plus tax compliance. The apostilled diploma alone no longer opens any door.

If you built your planning on the diploma route, check now which of the 12 categories fits your real income situation instead. For most DACH emigrants that is category 5 (remote workers), category 4 (self-employed) or category 10 (retirees).

Why self-employed people now have to think about the RUC early

Category 4 requires the RUC, that is, the Paraguayan tax ID, plus 3 months of IVA filings (value-added tax) or an annual IRP filing (income tax), each with a tax compliance certificate. The catch is in the timing: as a foreigner you only get the RUC after you have your Cedula in hand.

This leads to a simple calculation: 3 monthly IVA filings require at least 3 full months of RUC history. Real-world reports even assume roughly four months of lead time until a fresh RUC can deliver the required filings; this figure is not officially confirmed, but the underlying logic is unavoidable. Anyone who applies for the RUC only shortly before the permanent application is too late.

The good news: temporary residency runs roughly two years, and the application window for the switch opens 90 days before it expires. Anyone who applies for the RUC soon after receiving the Cedula and keeps their tax history up to date continuously has more than enough buffer. This is exactly why we plan the RUC into our Business Complete package from the start, instead of pushing it to the end.

Which deadlines and fees apply to the switch to permanent residency?

The application window is tight and officially clearly defined: you can apply for the category change at the earliest 90 days before your temporary residency card expires. After it expires, a grace period of 30 days remains, then however with a penalty fee of Gs. 702,462 (converted roughly 85 EUR, the exchange rate fluctuates). Anyone who misses this deadline too loses the option of the category change and with it the direct route to permanent residency.

The official fee for permanent residency is Gs. 2,926,925 (roughly 350 EUR), plus the Certificado de Radicacion at Gs. 234,154 (roughly 30 EUR). These are the pure state fees; translations, apostilles and the Paraguayan certificates come on top.

In addition to the proof of solvency under Resolution 407/2026, the DNM requires, according to the official document list, among other things: a valid foreign ID, a valid Paraguayan Cedula, the temporary residency card, and, from age 14, four Paraguayan certificates (Antecedentes Policiales, a police record of good conduct, Antecedentes Judiciales and the Interpol certificate).

The permanent residency then applies indefinitely; the card is renewed every 10 years.

What is still unclear about Resolution 407/2026?

Honesty is part of this guide: as of July 2026, some points are not officially clarified. We flag them here instead of pretending certainty, and we add official clarifications to the changelog as soon as they appear.

• →How strictly the comparison between declared activity and submitted documents turns out in practice will only become clear with the first decisions after July 6, 2026.
• →Whether IVA filings with zero turnover are enough for the self-employed category is not officially specified (see the note above).
• →How mixed cases are handled, for example a small pension plus a self-employed sideline, is not stated by the published category list.
• →Whether and which minimum income amounts the DNM applies internally is not published; individual sources name amounts, but none of them is officially confirmed.
• →For the remote worker category, the exact format of the employer certificate is open; the only thing that is certain is that the income amount and payment method must be shown and that foreign documents need an apostille plus translation.