If you are thinking of buying an apartment in Ibiza, look no further—Summum Ibiza is your best option. We have a wide list of apartments personally selected after our visits and approvals. We ensure to publish the apartments with as much information as possible so that our clients can correctly choose the one that best suits their needs.
From renovated studios, one-bedroom apartments, or apartments for sale in Ibiza town to large and luxurious apartments in residential areas such as our apartments for sale in Las Boas, duplexes, and even penthouses with the most coveted views of the island.
Whether for a solo purchase, as a couple, or for your family, we assure you that you will find the perfect apartment that meets all your needs and is located in your desired area.
Within our properties, we have introduced a mortgage calculator system to estimate your loan by entering the initial payment data, the interest rate, and the term in years.
For those looking to invest, we also have affordable apartments to renovate and prepare for resale or as vacation apartments, which in Ibiza, in particular, is a widely extended business model due to the high prices during the high season.
We collaborate with the best advisors to find the most suitable financing for the client’s needs. When choosing the mortgage loan that suits you best, many factors must be studied both from the financial institution and its conditions.
At Summum Ibiza, we offer these basic tips:
Initial Investment Matters: To obtain more favorable financing, the most important aspect lies in the initial investment or down payment. The higher the amount, the better conditions we can negotiate. Normally, financial institutions usually offer 80% financing on the property’s value (provided it is a primary residence), requiring the remaining 20% as an immediate payment. Additionally, don’t forget that the buyer must have an extra approximately 10-12% for Notary and Registry fees.
Budget Wisely: As always, it is advisable not to stretch your monthly budget to the limit. The fact that you can meet the requirements to obtain a certain mortgage amount does not mean you have to spend the maximum of your budget. Ensure that your new mortgage payment not only fits your bank’s regulations but also your personal budget.
Know Your Financial History: It is important to know that financial institutions have the right to access your entire financial history and compile reports based on all information provided by other entities and institutions. We recommend that, before the bank does so, you access your history and ensure that you do not have debts or records that could disadvantage you when applying for a mortgage.
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