Costa Brava property: move planned within two years, €910,800 for a townhouse in Sant Feliu
A lawyer and a management consultant from Frankfurt planned to move their centre of life entirely to Spain within the next two years. They were looking for a townhouse in Sant Feliu de Guíxols with a roof terrace, a courtyard and enough room for guests.
Which modernisations are typical for a townhouse in Sant Feliu de Guíxols?
Depending on the year of construction, kitchens, bathrooms, air conditioning, electrical installations or digital infrastructure are frequently modernised. In this case the buyers renewed the kitchen, all bathrooms, the air conditioning, the network cabling and the courtyard, covered from equity, not by the bank loan, with financing of around 68 % of the purchase price.
Key figures: €1,340,000 purchase price and €910,800 of financing
- Purchase price: 1,340,000 €
- Renovation: 149,200 €
- Financing required: 910,800 €
- Equity: 739,200 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Living in Sant Feliu de Guíxols on the Costa Brava
Sant Feliu de Guíxols is one of the most traditional towns on the Costa Brava. The marina, the historic old town and the year-round lively seafront promenade make it especially interesting for people who are looking not just for a property by the sea but for a permanent centre of life. Many townhouses combine classic architecture with great potential for a contemporary modernisation.
Moving in two years, a house found near the old town: The property they found was convincing for its location near the old town but required extensive modernisation in the interior.
The €1,650,000 total investment in detail: Purchase price: 1,340,000 €; Additional costs: 160,800 €; Renovation: 149,200 €; Total investment: 1,650,000 €; Equity: 739,200 €; Financing required: 910,800 €.
Investments stay diversified, the house gets renewed
The buyers had considerable own funds from long-term asset-building. Even so, they did not want to liquidate their investments entirely but to keep part of their assets broadly diversified. At the same time, the house was to be fully modernised before the final move.
68 % financed, equity kept back as a reserve: For high-quality townhouses in Sant Feliu de Guíxols, the actual investment requirement often consists of more than the purchase price. Older buildings in particular benefit from a comprehensive technical and functional modernisation.
With financing of around 68 % of the purchase price, a balanced capital structure could be created. At the same time, sufficient equity remained as a reserve.
Kitchen, baths, cooling on every floor, new courtyard
The overall plan covered all planned measures — from equity, not by the bank loan:
high-quality new fitted kitchen; complete renewal of all bathrooms; modern air conditioning on several levels; smart-home system for lighting and shading; network cabling for home office and media; custom-made fitted wardrobes; redesign of the courtyard with low-maintenance features.
All modernisation was implemented immediately after the acquisition.
A modernised townhouse and time to prepare the move
Once the work was completed, a fully modernised townhouse was available that met the requirements for permanent living. The buyers were able to prepare their move over the long term and at the same time keep their asset structure balanced.
Plan technology and comfort early, not as a retrofit: Historic townhouses on the Costa Brava often offer a special character but frequently require targeted investment in technology and living comfort. Anyone who integrates these measures into the overall plan early — covered from equity, not by the bank loan — creates a realistic basis for calculation and avoids later additional financing.
Sant Feliu townhouse: joint planning supports the planned move
A townhouse in Sant Feliu de Guíxols combines a historic setting with modern living. If the purchase price, additional costs and all modernisation measures are planned together from the start — the bank loan for the purchase price, costs and modernisation from equity — a durable overall plan emerges that supports the permanent move to the Costa Brava over the long term.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
Penthouse in Palamós — retiring after the handover: Gradual retirement by the marina after handing over the company. Anonymised Costa Brava case — non-resident financing in Spain. §34i.
Frequently asked questions
Can extensive modernisation be co-financed directly?
As a rule the Spanish bank does not co-finance modernisation — it belongs in the overall plan: equity or raising capital against German property.
Is Sant Feliu de Guíxols suitable as a permanent residence?
Yes. The town offers very good year-round infrastructure, medical care, shopping, restaurants and a high quality of life for owner-occupiers.
How much of the purchase price was financed for the townhouse in Sant Feliu de Guíxols?
The financing was around 68 % of the purchase price, with 910,800 € financing required on a purchase price of 1,340,000 €. This created a balanced capital structure, and sufficient equity remained as a reserve.
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
Related pages
Practical case Mallorca: Charming finca near Santanyí
Modernisation planned in from the start
Practical case Mallorca: Family house in Alcúdia
When the sale of the previous property is part of the financing
Practical case Mallorca: Finca with guesthouse in Deià
Two generations realise their dream together
Apartment in Cadaqués — dentists nearing retirement
A dentist couple from Zurich plan a gradual retirement in Cadaqués. Anonymised Costa Brava case — non-resident financing in Spain. §34i.
Villa in Tossa de Mar — after selling the business
After selling the family business, a full move to Spain. Anonymised Costa Brava case — non-resident financing in Spain. §34i.
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.
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.