Costa Brava property: Moving with two children, €441,000 for a terraced house in Platja d'Aro
An engineer and a doctor from Munich wanted to move permanently to Spain with their two children. They were looking for a modern terraced house in Platja d'Aro with four bedrooms, a small garden and good access to schools and sports facilities.
Terraced house in Platja d'Aro: why keep reserves, and how is modernisation funded?
Families keep reserves for the move, settling in, school costs or unexpected expenses, so they do not invest all their assets in the property. The Spanish bank as a rule does not co-finance modernisation; it belongs in the overall plan, covered from equity or by raising capital against German property.
Key figures: Townhouse at €735,000, with €439,000 of own funds
- Purchase price: 735,000 €
- Renovation: 56,800 €
- Financing required: 441,000 €
- Equity: 439,000 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Living in Platja d'Aro: more than a holiday resort
Platja d'Aro is far more than a classic holiday resort. Shops open year-round, international schools, medical care and good transport links make the town attractive for families who want to move permanently to the Costa Brava. Terraced houses often offer a successful combination of a private garden, manageable maintenance and sufficient living space.
Family of four wanted a house near school and sports: The suitable property was in a well-kept residential area but was to be functionally adapted to the family's needs before moving in.
€880,000 in total: purchase, costs and renovation: Purchase price: 735,000 €; Additional costs: 88,200 €; Renovation: 56,800 €; Total investment: 880,000 €; Equity: 439,000 €; Financing required: 441,000 €.
Cash kept free for the fresh start and school change
The family had equity from the sale of their previous apartment. Even so, enough liquidity was to remain for the new start in Spain, the children's change of school and unforeseen expenses. At the same time, it was clear that all modernisation should be completed before moving in.
60 % financed, equity covers the purchase costs: For a permanent move with children, alongside the financing, planning certainty and a realistic overall overview of all investments play an important role. Not only the purchase price but also acquisition costs and necessary adaptations determine the actual capital requirement.
With financing of 60 % of the purchase price, enough equity remained for the additional costs and a considerable part of the total investment. At the same time, financial reserves could be deliberately preserved.
Family kitchen, study and fitted wardrobes for the kids
The overall plan included all intended modernisation measures — from equity, not by the bank loan:
new family kitchen with a generous dining area; modernisation of the bathrooms; fit-out of a study for hybrid working; network cabling in all living areas; electric shading of the south terrace; energy-efficient air conditioning; custom-made fitted wardrobes for the children's rooms.
All work was completed immediately after the purchase.
Moved in in time for the school year, reserves intact
The terraced house could be occupied in time for the start of the school year. The family began the new chapter of life without further building work and at the same time had sufficient financial reserves for the first years in Spain.
See buying and renovation costs as one single figure: Anyone moving to Platja d'Aro with their family should not align the overall plan with the purchase price alone — the bank loan for the purchase price, costs and modernisation from equity. Only the full inclusion of all acquisition and modernisation costs creates a reliable basis for a relaxed new start.
Platja d'Aro: full costing supports the move and family life
A terraced house in Platja d'Aro can be the ideal starting point for families for a permanent life on the Costa Brava. If the purchase price, additional costs and all planned modernisation are taken into account early in an overall calculation, an overall plan emerges that reliably supports both the move and long-term everyday life.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
Detached house in Begur — architect couple relocating: An architect couple from Hamburg relocate their centre of life to Begur. Anonymised Costa Brava case — non-resident financing. §34i.
Frequently asked questions
Which adaptations are especially in demand for family homes?
Kitchens, bathrooms, air conditioning, network technology, storage solutions, shading and work areas are frequently modernised.
Is Platja d'Aro suitable for permanent living?
Yes. The town offers good infrastructure, shops, medical care, schools in the region and a high quality of life throughout the year.
How much of the purchase price was financed for the terraced house in Platja d'Aro?
The financing was 60 % of the purchase price. The financing required was 441,000 € on a purchase price of 735,000 €, and enough equity remained for the additional costs and a considerable part of the total investment.
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.
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.