Two incomes from two countries: €927,500 for a villa in Albir
A couple from Germany had worked in various European countries for many years. The husband was employed as an aerospace engineer at an international group; his wife worked for a Swiss pharmaceutical company. Both could carry out their work mostly remotely and wanted to move their centre of life permanently to the Costa Blanca.
What matters for a villa in Albir when two incomes come from two countries?
Traceable documentation of the income circumstances and a complete presentation of the economic situation are what matter. The income was economically very solid but, because of different employers and countries, had to be documented in a fully traceable way. Here the financing was around 70 % of the purchase price, and the planned works could start right after handover.
Key figures: Villa €1,325,000, own funds €706,750, loan €927,500
- Purchase price: 1,325,000 €
- Financing required: 927,500 €
- Equity: 706,750 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
A shared dream despite international careers
After several viewings, the decision fell on a modern villa in Albir. The quiet residential setting, the proximity to the beach promenade and the excellent infrastructure made the place an ideal choice for the new chapter of life.
Two incomes from two countries, the portfolio stays put: The buyers had two stable incomes from different countries and well-built equity. In addition, there was a long-term securities portfolio that was deliberately not to be liquidated.
As both wanted to continue their professional activity for a few more years, durable financing with sufficient financial reserves was central.
Every item: €1,634,250, including €137,000 of upgrades
The total investment was 1,634,250 €, including 137,000 € of renovation for photovoltaics, heat pump, pool technology and outdoor lighting, with 706,750 € of equity and 927,500 € of financing required.
Purchase price: 1,325,000 €; Additional costs: 172,250 €; Renovation (photovoltaics, heat pump, pool technology and outdoor lighting): 137,000 €; Total investment: 1,634,250 €; Equity: 706,750 €; Financing required: 927,500 €.
The financing share corresponded to around 70 % of the purchase price.
Documenting income from two countries clearly: The income circumstances were economically very solid but, due to the different employers and countries, had to be documented in a fully traceable way.
In addition, the buyers planned several energy improvements and a high-quality redesign of the outdoor areas.
All measures were to be implemented immediately after the transfer of ownership.
Papers organised, upgrade costs counted in
First all income documents were compiled in a structured way and the long-term financial situation was considered.
In parallel, the planned modernisation costs were calculated in detail and included, together with the purchase price and additional costs, in the total investment.
The buyers deliberately chose to keep part of their assets invested and not to build the financing solely from own funds.
70 % loan, works start right after handover
The financing was set at around 70 % of the purchase price.
The additional costs and a considerable share of equity were paid from existing funds.
All modernisation measures were also included in the overall plan from the outset — covered from equity, not by the bank loan. This meant the work could be completed directly after handover.
Villa finished in months, careers continue flexibly: Just a few months later, the villa was fully modernised and ready to move into.
Today the buyers live mainly in Albir and can continue to carry out their work flexibly. At the same time, their asset structure remained balanced and sufficient liquidity for future decisions was preserved.
Income from several countries needs clear paperwork
International income circumstances are no longer a rarity today. What is decisive is transparent documentation and financing that also fits personal life planning over the long term.
Villa in Albir: financing built around international income: Buying a villa in Albir shows that successful property financing is possible even with international income structures. Anyone who carefully coordinates equity, modernisation and long-term asset planning creates a solid basis for a permanent home on the Costa Blanca.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
New-build villa in Finestrat — case report: Anonymised case from Costa Blanca: new-build villa in Finestrat. Mortgage financing for non-residents.
Frequently asked questions
Why was the securities portfolio not used in full?
The buyers wanted to preserve long-term investments while keeping sufficient financial reserves for future developments.
Which modernisation did the buyers plan for the villa in Albir?
The buyers planned several energy improvements and a high-quality redesign of the outdoor areas. The renovation covered photovoltaics, heat pump, pool technology and outdoor lighting and was covered from equity, not by the bank loan.
How were the costs of the villa in Albir split between equity and financing?
The financing was set at around 70 % of the purchase price. The additional costs and a considerable share of equity were paid from existing funds.
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.