Practical case Mallorca: Exclusive finca near Es Trenc – Family wealth deployed strategically for a premium property
The buyer was the majority shareholder of a successful family business in Switzerland; his wife worked as a member of the company's board. In addition to liquid funds, the family had an extensive property portfolio as well as holdings in several companies.
At a glance
- Purchase price: 5.980.000 €
- Financing required: 3.588.000 €
- Equity: 3.589.400 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
One of Mallorca's most coveted locations with a long-term perspective
An entrepreneurial couple from Zurich had taken many years before buying a property on Mallorca. The decision was not to be driven by a spontaneous emotion but by the conviction of having found the right place for the decades to come.
After an intensive search, the choice fell on a newly built finca a few minutes from the natural beach of Es Trenc. The estate combined modern architecture with traditional natural-stone construction, had a plot of several hectares, an olive grove and generous outdoor areas.
The property was initially to serve as a second home and later become the centre of life.
Initial situation
The buyer was the majority shareholder of a successful family business in Switzerland; his wife worked as a member of the company's board.
In addition to liquid funds, the family had an extensive property portfolio as well as holdings in several companies.
Despite these assets, the aim was expressly not to finance the purchase entirely from own funds. The family wealth was to remain broadly diversified over the long term.
Financing overview
- Purchase price: 5.980.000 €
- Additional costs: 777.400 €
- Bespoke outdoor areas and wine-cellar fit-out: 420.000 €
- Total investment: 7.177.400 €
- Equity: 3.589.400 €
- Financing required: 3.588.000 €
The financing share corresponded to around 60 % of the purchase price.
The challenge
The finca was already fitted to a high standard. Nevertheless, the buyers planned extensive individual adjustments.
Alongside a climate-controlled wine cellar, a fitness and wellness area was to be extended, parts of the garden redesigned and a self-sufficient energy supply with photovoltaics, battery storage and intelligent building control installed.
All measures were to begin immediately after the transfer of ownership.
Analysis
Even before the purchase contract was concluded, all planned investments were calculated together with architects and specialist firms.
In parallel, the entire asset structure was analysed.
The result was clear: balanced financing offered considerably more advantages than a full deployment of capital. This allowed holdings, securities investments and liquidity reserves to remain unchanged.
Financing solution
The financing was deliberately set at around 60 % of the purchase price.
The additional costs as well as a considerable share of equity were contributed immediately.
The complete individualisation of the property was already accounted for in the original investment plan. As a result, the fit-out could begin immediately after handover, without having to make later financing decisions.
Outcome
After around eight months, the finca presented itself exactly as the family had envisaged.
The outdoor areas blended harmoniously into the surrounding landscape, the new wellness area complemented the main house, and the technical equipment met the most modern requirements.
At the same time, the family wealth remained broadly diversified and flexible for further investments.
What other buyers can learn
Even in the premium segment, financing is often not about whether sufficient wealth is available. What matters far more is how assets are deployed strategically.
Anyone who preserves liquidity, plans investments carefully and accounts for all fit-out costs before the purchase creates long-term financial stability.
Frequently asked questions
Why do wealthy buyers finance properties worth several million euros?
Should individual fitting requests be calculated before the purchase?
Are sustainable energy concepts now common in luxury properties?
Conclusion
The purchase of an exclusive finca near Es Trenc shows that high-quality property financing involves far more than the purchase price. Anyone who deploys wealth strategically, plans individualisations early and preserves financial flexibility creates the basis for a long-term successful investment in one of Mallorca's most coveted regions.
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To the case report →A similar situation in Spanien? Let's talk.
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Book a free consultationAnonymised individual case, not a binding statement for other projects · Siegfried Perini, BAFA-notified for the cross-border activity of the owner Olga Nikushkina · §34i GewO · no tax or legal advice · no financing commitment; conditions depend on creditworthiness, loan-to-value and bank