€438,000 – €5,980,000
Range across all 108 cases with a stated purchase price.
Derived from the record · 108 cases
Spanish Mortgage Statistics: what 108 financings show
These figures are not estimates. They are computed from the 108 cases with a stated purchase price themselves, and change on their own the moment a new case is added.
What do 108 cases with a stated purchase price show in numbers?
The figures on this page are computed from the 108 case reports themselves rather than estimated. Purchase prices run from €438,000 to €5,980,000, with a median of €845,000. The equity ratio has a median of 52.4% and spreads between 43.0% and 70.0%. The actual financing ratio — the share of the purchase price that ran through the bank — has a median of 68.0% and ranges from 50.0% to 70.1%; not a single case goes appreciably beyond the seventy per cent mark. Spanish closing costs sit at a median of 12.0% of the purchase price. Every one of these numbers is recalculated as soon as the next case is added. They describe what was actually agreed — they are not a commitment and not a promise of terms for any individual plan.
In short
Loan-to-value, equity and costs at a glance
How much did the bank actually carry?
A median of 68.0% of the purchase price, ranging from 50.0% to 70.1% — not one case gets meaningfully past the 70% mark. That confirms the 70% loan-to-value for non-residents in Spain.
How much equity did the buyers have?
Median 52.4%, range 43.0% to 70.0% — from 107 cases with equity stated.
Which purchase prices and closing costs?
Purchase prices from €438,000 to €5,980,000, median €845,000; Spanish closing costs at a median of 12.0% of the purchase price. 84 cases are in Spain, 24 in Portugal.
Who arranged these cases?
Perini Finance & Property — German-speaking, since 2019, operating under the § 34i GewO licence held by Olga Nikushkina, Portugal through a locally licensed intermediary; we approach 15 to 20 banks. The figures are computed from the reports, not estimated — no commitment for any individual plan.
The three figures
Median 52.4%
Range 43.0%–70.0%, from 107 cases with equity stated.
Median 12.0%
Range 12.0%–13.0%, from 84 Spanish cases.
How much the bank actually carried
The question people ask before the first call is not "what does it cost" but "how much will I get". All 108 documented cases state the amount financed alongside the purchase price, and the two together give the loan-to-price ratio actually achieved.
The median is 68.0%, with a range from 50.0% to 70.1%. Not one case gets meaningfully past the 70% mark. It is the practical confirmation of the number quoted on every page of this site: for non-residents, lending in Spain stops as a rule at 70% of the lower of purchase price and valuation — and planning on being the exception is planning badly.
- Below 60%: 1 case. A deliberately low ratio, usually to keep the monthly payment small.
- 60% to under 70%: 68 cases — the clear majority. This is where reality sits, not at the ceiling.
- 70% and above: 39 cases — 38 of them exactly at the 70% ceiling, 1 marginally above.
The median purchase price across the documented cases is €845,000. That says less about the market than about the cases that reach us: situations a branch bank cannot handle come disproportionately from the middle and upper price bands. Smaller purchases fail on structure less often — and therefore appear less often in an advisory file.
Where the cases are
84 of the 108 cases are in Spain, 24 in Portugal. Within the two countries they spread across 11 regions:
| Region | Cases | Share |
|---|---|---|
| Mallorca | 17 | 15.7% |
| Costa del Sol | 15 | 13.9% |
| Costa Blanca | 14 | 13.0% |
| Costa de Valencia | 12 | 11.1% |
| Algarve | 11 | 10.2% |
| Costa Brava | 10 | 9.3% |
| Mainland Portugal | 8 | 7.4% |
| Tenerife | 6 | 5.6% |
| Gran Canaria | 5 | 4.6% |
| Canary Islands | 5 | 4.6% |
| Madeira | 5 | 4.6% |
The spread follows demand rather than any marketing decision: Mallorca, the Costa del Sol and the Costa Blanca form the largest block, the Canaries and Madeira the smaller one. Each of these regions has its own transfer-tax rate and its own set of active lenders — what decides a case in one region is a footnote in another. The regional pages under buying property in Spain as a non-resident, region by region set that out in detail.
What these figures are not
They are not an offer and not a forecast. Every number on this page looks backwards at completed, anonymised cases and is recomputed the moment another report is added — nobody maintains them by hand. What your own financing will carry depends on income, existing commitments, property type, region and age, not on the median of somebody else's file.
What they are good for: a reality check before you make an offer. Anyone planning a €600,000 purchase with €100,000 of equity can see from the equity ratio above that the sum would not have worked in any of the 108 cases. Learning that before the reservation contract is considerably cheaper than learning it after.
Why Portugal is not in this figure
The closing-cost figure above covers Spanish cases only. 24 Portuguese reports are deliberately excluded: they document real, completed purchases from before 25 May 2026 — when non-residents still fell under the old progressive IMT scale, not today's flat 7.5% rate. The reports themselves are accurate and stay as they are. A blended rate across both countries would misstate what Portugal costs today.
What a purchase in Portugal costs today is set out in the model calculations, with the current rate, source and check date.
Read on
The reports themselves
Case reports
All documented cases
Organised by region and topic, with the purchase price of every individual case.
Model calculation
Ten model calculations for equity release
Today's costs for Spain and Portugal, with source and check date.