Perini Finance is a financing broker focused on overseas property mortgages in Spain and Portugal, with target customers mainly including Germans and non-EU resident buyers. It is not a payment acquiring service, e-wallet, or bank account provider; instead, it helps clients compare mortgage options from partner banks in Spain, Portugal, and Germany, and coordinates the loan application process.
The content indicates that its core products include variable-rate, fixed-rate, and mixed-rate mortgages. In Spain, non-residents can typically borrow up to 70% of the lower of the purchase price or the bank valuation; in Portugal, the maximum is around 80%. Existing property in Germany can also be used as a source of equity through a subordinated mortgage, up to roughly 80%. Its geographic coverage is fairly detailed, including Mallorca, Ibiza, Costa Brava, Valencia, Costa del Sol, Algarve, Porto, Madeira, and other areas.
The fee model is relatively clear: the initial consultation is free, and there is no charge for bank comparison and application coordination before completion. Fees are only charged after the client accepts financing arranged through Perini Finance. However, the specific brokerage commission rate, minimum fee, and payment milestones are not disclosed. On compliance, the site discloses a §34i GewO license and mentions BAFA notifications for Spain and Portugal. It also states that it does not provide legal or tax advice.
Its risk-control logic mainly follows bank underwriting criteria: income, credit profile, property valuation, LTV, down payment, and additional purchase costs. The content repeatedly notes that case examples and calculator results are for reference only, with final approval subject to the bank’s decision. In terms of usability, the site provides a mortgage calculator, PDF document checklists, NIE/NIF explanations, and communication in German and multiple languages, making it suitable for buyers unfamiliar with local banking procedures.
The advantages are its vertical focus, relatively substantial information disclosure, success-based charging that reduces upfront decision costs, and its ability to ease cross-border language and process barriers. The drawbacks are that the exact service fees are not transparent, the eligibility conditions for non-EU residents—especially Chinese residents—are not specified, and tax and legal matters still require separate professionals. It is best suited to German or EU residents who want financing pre-assessment, bank comparison, and application coordination before buying property in Spain or Portugal.
Access from mainland China is not disclosed in the text, so it should be considered unknown. Chinese buyers with similar needs could directly consult international client departments at local banks, cross-border mortgage brokers, or a combination of property lawyers and tax advisors, or choose overseas property financing consultants that specifically serve Chinese residents.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on perini.es official site.
perini.es is an Spain Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach perini.es directly.