Practical case Costa Blanca: Villa in Albir – When two incomes from different countries come together
The buyers had two stable incomes from different countries and well-built equity. In addition, there was a long-term securities portfolio that was deliberately not to be liquidated.
In short
What was this case about?
The buyers had two stable incomes from different countries and well-built equity. In addition, there was a long-term securities portfolio that was deliberately not to be liquidated.
Can incomes from different countries be taken into account?
Yes. Traceable documentation of the income circumstances and a complete presentation of the economic situation are important.
Why were the modernisation costs planned before the purchase?
This allowed all work to be carried out immediately after the transfer of ownership, without having to organise additional financing solutions later.
Who arranged this?
Perini Finance & Property — German-speaking, operating under the §34i GewO licence held by Olga Nikushkina, Portugal through a locally licensed intermediary; 15 to 20 banks approached per case. First call free; on completion 1 % of the loan amount.
Villa €1,325,000, own funds €706,750, loan €927,500
- Purchase price: 1.325.000 €
- Financing required: 927.500 €
- Equity: 706.750 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
A shared dream despite international careers
A couple from Germany had worked in various European countries for many years. The husband was employed as an aerospace engineer at an international group; his wife worked for a Swiss pharmaceutical company. Both could carry out their work mostly remotely and wanted to move their centre of life permanently to the Costa Blanca.
After several viewings, the decision fell on a modern villa in Albir. The quiet residential setting, the proximity to the beach promenade and the excellent infrastructure made the place an ideal choice for the new chapter of life.
Two incomes from two countries, the portfolio stays put
The buyers had two stable incomes from different countries and well-built equity. In addition, there was a long-term securities portfolio that was deliberately not to be liquidated.
As both wanted to continue their professional activity for a few more years, durable financing with sufficient financial reserves was central.
Every item: €1,634,250, including €137,000 of upgrades
- Purchase price: 1.325.000 €
- Additional costs: 172.250 €
- Renovation (photovoltaics, heat pump, pool technology and outdoor lighting): 137.000 €
- Total investment: 1.634.250 €
- Equity: 706.750 €
- Financing required: 927.500 €
The financing share corresponded to around 70 % of the purchase price.
Documenting income from two countries clearly
The income circumstances were economically very solid but, due to the different employers and countries, had to be documented in a fully traceable way.
In addition, the buyers planned several energy improvements and a high-quality redesign of the outdoor areas.
All measures were to be implemented immediately after the transfer of ownership.
Papers organised, upgrade costs counted in
First all income documents were compiled in a structured way and the long-term financial situation was considered.
In parallel, the planned modernisation costs were calculated in detail and included, together with the purchase price and additional costs, in the total investment.
The buyers deliberately chose to keep part of their assets invested and not to build the financing solely from own funds.
70 % loan, works start right after handover
The financing was set at around 70 % of the purchase price.
The additional costs and a considerable share of equity were paid from existing funds.
All modernisation measures were also included in the overall plan from the outset — covered from equity, not by the bank loan. This meant the work could be completed directly after handover.
Villa finished in months, careers continue flexibly
Just a few months later, the villa was fully modernised and ready to move into.
Today the buyers live mainly in Albir and can continue to carry out their work flexibly. At the same time, their asset structure remained balanced and sufficient liquidity for future decisions was preserved.
Income from several countries needs clear paperwork
International income circumstances are no longer a rarity today. What is decisive is transparent documentation and financing that also fits personal life planning over the long term.
Frequently asked
Can incomes from different countries be taken into account?
Why were the modernisation costs planned before the purchase?
Why was the securities portfolio not used in full?
Villa in Albir: financing built around international income
Buying a villa in Albir shows that successful property financing is possible even with international income structures. Anyone who carefully coordinates equity, modernisation and long-term asset planning creates a solid basis for a permanent home on the Costa Blanca.
More cases on this theme
Practical case Mallorca: Charming finca near Santanyí
Modernisation planned in from the start
Practical case Mallorca: Family house in Alcúdia
When the sale of the previous property is part of the financing
Practical case Mallorca: Finca with guesthouse in Deià
Two generations realise their dream together
A similar situation in Spain? Let's talk.
Every financing in Spanien is an individual case. In a free initial consultation I will tell you honestly what is feasible and which bank fits.
Book a free consultationAnonymised individual case, not a binding statement for other projects · Brokerage under the §34i GewO licence held by Olga Nikushkina (D-W-132-ZUCB-95); Siegfried Perini registered as directly involved person (§11a GewO) · no tax or legal advice · no financing commitment; conditions depend on creditworthiness, loan-to-value and bank