Practical case Gran Canaria: Villa in Meloneras – High-quality living with a view of the Atlantic
The buyer owned a mid-sized IT company; his wife worked as an auditor. Both planned to continue their professional activity location-independently over the coming years.
In short
What was this case about?
The buyer owned a mid-sized IT company; his wife worked as an auditor. Both planned to continue their professional activity location-independently over the coming years.
Is Meloneras suitable as a permanent residence?
Many buyers appreciate the quiet residential areas, the high-quality infrastructure and the proximity to shops, restaurants and the sea.
Why was the modernisation included in the financing from the start?
Not in the Spanish bank financing — as a rule the Spanish bank does not co-finance modernisation. It belonged in the overall plan from the start: equity or raising capital against German property, so that all work could be carried out directly after the purchase.
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 at €1,650,000, loan €1,155,000
- Purchase price: 1.650.000 €
- Financing required: 1.155.000 €
- Equity: 864.500 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Property for sale in Meloneras, Gran Canaria
A couple from Munich had travelled to various regions of Spain over many years. Only on Gran Canaria did they feel they had found the right place for the next chapter of life. Meloneras in particular won them over with its well-kept residential areas, proximity to the sea, the promenade and the mild year-round climate.
After several viewings the two chose a modern villa with a pool in a quiet residential setting. The house was not to serve as a holiday property but to become the main residence in the long term.
Entrepreneur couple going location-independent
The buyer owned a mid-sized IT company; his wife worked as an auditor. Both planned to continue their professional activity location-independently over the coming years.
In addition to a debt-free home in Germany, they had liquid funds and a securities portfolio. The aim was to contribute enough equity while keeping financial reserves for future investments.
€2,019,500 total, €155,000 for solar and technology
- Purchase price: 1.650.000 €
- Additional costs: 214.500 €
- Renovation (photovoltaics, pool technology, outdoor kitchen and smart home): 155.000 €
- Total investment: 2.019.500 €
- Equity: 864.500 €
- Financing required: 1.155.000 €
The financing share corresponded to around 70 % of the purchase price.
Young villa to get solar, battery storage and smart home
Although the villa was only a few years old, the buyers wanted to develop it further technically and in terms of energy efficiency. Planned were a powerful photovoltaic system with battery storage, intelligent building control, a modern outdoor kitchen and the renewal of the pool technology.
In addition, the financing was to leave enough room in case their professional situation changed in a few years.
Spending mapped before signing, wealth kept in balance
Before the purchase contract was concluded, all planned investments were recorded in detail and calculated together with the purchase price and additional costs.
A long-term household budget then followed, taking different income developments into account.
The buyers deliberately chose against a maximum use of equity in order to keep their asset structure balanced.
70% financed, equity input deliberately capped
The financing was set at around 70 % of the purchase price.
The additional costs and a considerable share of equity were covered from existing funds.
All planned modernisation measures were already taken into account in the original overall plan — covered from equity, not by the bank loan. This meant the work could begin immediately after the transfer of ownership.
Systems renewed, energy costs down, full move in preparation
After a few months, the villa fully matched the buyers' ideas. The technical equipment was brought up to date, while running energy costs were significantly reduced.
Today the buyers spend most of the year in Meloneras and are preparing their complete move to the island.
Even high-end houses gain from targeted modernisation
High-quality homes, too, often benefit from targeted modernisation. Anyone who plans these fully before the purchase and aligns their financing for the long term creates planning certainty and avoids later surprises.
Frequently asked
Is Meloneras suitable as a permanent residence?
Why was the modernisation included in the financing from the start?
Should existing assets be used in full?
Meloneras: villa financing links asset planning and future goals
Buying a villa in Meloneras shows that property financing should do more than simply enable the acquisition of a property. A long-term strategy that sensibly combines modernisation, asset planning and personal future goals is equally important. This creates a solid basis for the new centre of life on Gran Canaria.
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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