Who?
Perini Finance & Property, on the ground since 2019 through Siegfried Perini — arranging property finance for non-residents in Spain and Portugal, §34i GewO.
Fact sheet
Perini in Spain & Portugal — the facts on one page.
Who we are, which licence we hold, who we work for, how much equity and income a case needs, how we are paid and where the figures come from. A sober overview — every figure is evidenced on the relevant specialist page.
In short
Perini in three sentences
For whom?
International buyers without Spanish or Portuguese tax residence. Advice in six languages. The focus is on cases a standard branch cannot map.
What does it cost?
1 % of the loan actually arranged, payable only on success, without IVA, no upfront payment. Perini deliberately takes no bank commission for it.
Who we are and which licence we hold
Perini Finance & Property arranges property financing in Spain and Portugal, carried on the ground by Siegfried Perini since 2019. The arranging is done under a licence pursuant to §34i GewO, intermediary register D-W-132-ZUCB-95, supervised by IHK Mittlerer Niederrhein. In Portugal we work through an intermediary licensed there. All evidence: Regulatory status.
Countries, client groups and types of financing
We arrange financing for property in Spain and Portugal for international buyers without tax residence there. Alongside the classic non-resident mortgage we arrange structures only a few houses underwrite: developer stage payments during construction, releasing capital from a property already paid off, and raising capital from Germany. The full overview: Special financing. What a realistic case needs is set out under Requirements for non-residents.
Loan-to-value, equity and the income limit
The bank always lends against the lower of purchase price and tasación (valuation). The figures below are customary market ceilings, not a commitment.
| Country | Loan-to-value (max.) | Equity |
|---|---|---|
| Spain | up to 70 % | around 30 % plus ~10–13 % purchase costs |
| Portugal | up to 80 % | around 20 % plus purchase costs |
Separate from that stands the income limit (debt-service ratio): Spanish and Portuguese banks allow 30–35 % of net income for total debt service for non-residents (conservative model value 33 %). That is a different figure from the equity and is not confused with it. Special structures have their own limits (for example releasing capital from a property already paid off) — see Special financing.
Fee and market-check method
Fee: 1 % of the loan actually arranged, payable only on success, without IVA and without upfront payment. Perini deliberately takes no bank commission for it — the full calculation and the effect on the rate are on Our fee. The purchase costs (transfer tax ITP or IVA+AJD, notary, land registry, tasación, lawyer) are borne separately by the buyer; as a rule they cannot be financed.
Market check: for every financing case 15 to 20 lenders are approached — large Spanish banks, regional cajas, non-resident specialists and international houses. What is counted is how many of them actually underwrite the structure, not how many consider it conceivable. Method, findings and status: Perini market check.
Figures, status and definitions
Siegfried Perini has been advising in Spain since 2019. The published case reports are evaluated live under Numbers from practice (median purchase price, financing ratio, purchase-cost ratio) — expressly documented cases, not an estimate and not a commitment. The structural and conditions data were last checked and each carries a date on its specialist page; time-critical market rates carry their own status. Technical terms are explained in the glossary and the wiki.
Which question leads to which page
A direct answer to every important question and the way to the detail: Answer paths.
„How much equity do I need?“
„Does my case work at all?“
„What does arranging it cost?“
„How solid are your figures?“
Common questions
What licence does Perini hold for Spain and Portugal?
A licence under §34i GewO (German intermediary register D-W-132-ZUCB-95, IHK Mittlerer Niederrhein). In Portugal we work through an intermediary licensed there. Details: Regulatory status.
How much equity do I need in Spain and Portugal?
In Spain around 30 % (banks lend non-residents up to 70 % of the lower of purchase price and tasación), in Portugal around 20 % (up to 80 %). The purchase costs come on top (Spain ~10–13 %). Separate from that is the income limit: the instalment should not exceed roughly 30–35 % of net income — a different figure from the equity.
What does Perini charge for arranging the mortgage?
1 % of the loan actually arranged, payable only on success, without IVA and without upfront payment. Perini deliberately takes no bank commission for it. The full calculation and the effect on the rate are on Our fee.
A question on any of these points?
Describe your case briefly — you will get an honest answer on whether and how it works.