Costa Brava property: Both working from home, €483,000 for a house in Lloret de Mar
A couple from Stuttgart, both working as IT project managers and predominantly from home, decided to move permanently to Spain. They were looking for a modern detached house in a quiet residential setting in Lloret de Mar with a garden, a double garage and enough room for two separate studies.
How is the modernisation of a house in Lloret de Mar financed?
The modernisation is covered from equity, not by the bank loan. In Lloret de Mar the loan was €483,000, 70 percent of the €690,000 purchase price. The equity came from the sale of the previous apartment; the buyers did not want to liquidate their securities portfolios. They kept reserves to secure their liquidity after the purchase.
The numbers: €690,000 price, €483,000 loan
- Purchase price: 690,000 €
- Renovation: 77,200 €
- Financing required: 483,000 €
- Equity: 367,000 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Property for sale in Lloret de Mar: more than a holiday resort
Lloret de Mar is often associated with tourism.
In fact, the town has also developed into an attractive residential location in recent years. Away from the beach promenade there are quiet residential areas with detached houses, good infrastructure and short distances to schools, shops and medical care. For many German-speaking buyers, Lloret de Mar is therefore an interesting choice for a permanent centre of life.
Two home-office desks shaped the search for a house
The suitable property largely met the requirements but needed some technical and functional modernisation.
€850,000 total investment, item by item: Purchase price: 690,000 €; Additional costs: 82,800 €; Renovation: 77,200 €; Total investment: 850,000 €; Equity: 367,000 €; Financing required: 483,000 €.
Securities accounts stay put, the house gets adapted: The buyers had equity from the sale of their previous apartment but did not want to liquidate their securities portfolios. At the same time, the house was to be adapted immediately after the acquisition to the requirements of permanent living and a modern working environment.
70 % financed, network and workrooms before moving in
Anyone moving their centre of life permanently to Spain and working remotely regularly often needs more than just a nice house. A stable digital infrastructure, functional work areas and contemporary living comfort should be planned before moving in.
The financing corresponded to 70 % of the purchase price; the overall plan reflected both the acquisition and all planned modernisation — covered from equity, not by the bank loan.
Two offices, house-wide network, kitchen and bathrooms
All intended measures were included in the overall plan from the outset — covered from equity, not by the bank loan:
fit-out of two fully equipped home-office rooms; structured network cabling throughout the house; installation of energy-efficient air conditioning; modernisation of the kitchen; renewal of the bathrooms; electric shading of the south side; custom-made fitted wardrobes and storage solutions.
All work was carried out immediately after the purchase.
Workspaces ready on move-in day, assets stay flexible: The house could be occupied without a further building phase. Both buyers had professional workplaces for their remote activity and at the same time a long-term suitable home on the Costa Brava. Thanks to the financing, part of their assets also remained flexibly available.
Digital infrastructure belongs in the financing plan
A permanent move to Spain often also changes the requirements for the property. Anyone who works regularly from home should take digital infrastructure and functional work areas into account already in the financing planning. If all measures are planned from the start, a realistic overall calculation emerges.
Lloret de Mar house: financing planned with no surprises later on: A detached house in Lloret de Mar can be the ideal basis for a permanent new start in Spain. Anyone who plans the purchase price, additional costs and all necessary modernisation together from the start creates durable financing and can begin the new chapter of life without later surprises.
Frequently asked questions
Which modernisations are especially common for detached houses in Lloret de Mar?
Alongside kitchens and bathrooms, air conditioning, network technology, shading, storage solutions and energy-efficient building technology are among the most common adaptations.
Is Lloret de Mar suitable for permanent living?
Yes. Alongside the tourist areas, Lloret de Mar offers quiet residential districts, good infrastructure, medical care, shopping and a high quality of living year-round.
Which work was done for the two home-office rooms in the detached house in Lloret de Mar?
Two fully equipped home-office rooms were fitted out and structured network cabling was installed throughout the house. All work was carried out immediately after the purchase.
A similar situation in Spain? Let's talk.
Every financing in Spain is an individual case. In a free initial consultation I will tell you honestly what is feasible and which bank fits.
Anonymised 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
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Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.