Bought during construction: €1.53m for a new-build villa in Santa Ponsa
Anonymised case from Mallorca: new-build villa in Santa Ponsa bought during construction, €1.53m. Mortgage financing for non-residents.
Why do buyers adjust a new-build villa in Santa Ponsa during construction?
Because the villa then matches the buyers' ideas at handover and no conversions are needed afterwards. In this case the buyers added a larger pool complex, an outdoor kitchen, a natural-stone terrace and smart-home technology during construction. These extra costs were accounted for from the outset and paid from own funds.
In short
The developer's payment schedule determines when own funds and financing are actually needed and how the entire liquidity plan should be structured.
It shows when own funds and the loan are needed: The developer's payment schedule determines when own funds and financing are actually needed and how the entire liquidity plan should be structured.
Arranged by Perini Finance & Property: Perini Finance & Property — German-speaking, operating under the §34i GewO licence held by Olga Nikushkina, Portugal through a locally licensed intermediary; 30+ banks approached per case. First call free; on completion 1 % of the loan amount.
€2.18m new build, €1.53m loan, portfolio stays invested
The purchase price of the new-build villa in Santa Ponsa was 2,180,000 €. The financing required was 1,526,000 € and the equity 1,107,400 €.
Purchase price: 2,180,000 €; Financing required: 1,526,000 €; Equity: 1,107,400 €.
Anonymised case figure · not a binding statement for other projects · §34i GewO
Typical, anonymised case. Names, places and individual financing figures have been adjusted to protect privacy. The process reflects a typical advisory situation for non-resident financing in Spain.
A new-build villa in Santa Ponsa: sometimes patience is part of the best decision: A couple from Frankfurt were not looking for an existing property on Mallorca, but a modern home that was energetically state of the art. After several viewings they decided on a high-quality new-build villa in Santa Ponsa. The plot was already built on, but completion was to follow only around twelve months later.
The advantage: the buyers were still able to make numerous decisions themselves regarding the fittings and the layout.
The villa is still going up, the payment plan sets the pace
Both worked in senior positions at international companies and earned an above-average income. At the same time they had liquid reserves as well as a broadly diversified securities portfolio that was to remain untouched as far as possible.
As the villa would only be handed over after completion, the financing had to take the agreed construction and payment schedule into account.
€2.63m total, including €170,000 of special fittings: Purchase price: 2,180,000 €; Additional costs: 283,400 €; Special features during the build phase: 170,000 €; Total investment: 2,633,400 €; Equity: 1,107,400 €; Financing required: 1,526,000 €.
The financing share thus corresponded to around 70 % of the purchase price.
Pool, outdoor kitchen and smart home added during the build: Several special requests were implemented during the construction phase. Among other things, the buyers opted for a larger pool complex, an outdoor kitchen, a high-quality natural-stone terrace and additional smart-home technology.
These extra costs were not to arise only after completion but to be fully accounted for from the outset.
Payment plan and every extra in one calculation
In the first step, the developer's entire payment schedule was analysed. All special features including realistic costs were then incorporated into the total investment.
This created a complete financing plan that covered both the purchase price and all additional services.
At the same time, sufficient equity remained available to organise the furnishing and the move without financial pressure after completion.
70 % loan, the extras paid from own funds: The financing was built on around 70 % of the purchase price.
The additional costs as well as all special features commissioned during the construction phase were integrated into the overall plan together with the use of equity.
The existing securities portfolio therefore did not have to be liquidated and remained part of the long-term asset strategy.
Villa handed over on time, nothing rebuilt afterwards: The villa was completed on schedule and already matched the buyers' personal expectations at handover. Additional conversions after moving in were not necessary.
Thanks to the early consideration of all additional costs, the entire purchase proceeded without any subsequent financing decisions.
Price the extras before you sign the contract
When buying a new-build property, additional costs often arise from individual fitting requests. Anyone who calculates these realistically before signing the contract avoids later financing gaps and creates significantly greater planning security.
Santa Ponsa new-build villa financed ahead of the key handover: The purchase of a new-build villa in Santa Ponsa shows that successful financing begins long before the handover of the keys. Anyone who combines the payment schedule, special features, equity and long-term asset planning creates the basis for a relaxed property purchase in one of Mallorca's most sought-after regions.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
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
Frequently asked questions
Does financing make sense despite substantial wealth?
Often yes. Many buyers want to keep their assets broadly diversified rather than investing exclusively in a property.
Did the securities portfolio have to be sold for the new-build villa in Santa Ponsa?
No. The existing securities portfolio did not have to be liquidated and remained part of the long-term asset strategy. The financing was built on around 70 % of the purchase price.
Why does the developer's payment schedule matter when buying a new-build villa during construction?
The developer's payment schedule determines when own funds and financing are actually needed and how the entire liquidity plan should be structured. As the villa would only be handed over after completion, the financing had to take the agreed construction and payment schedule into account.
A similar situation in Spain? Let's talk.
Every financing in Spain is an individual case. In a free initial consultation we will tell you honestly what is feasible and which bank fits.
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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.