Business · Companies · 1 day ago
Seville investor says 31-property portfolio helps him secure bank financing
Alejandro Muñoz, a property investor from Seville in southern Spain, says he has built a personal portfolio of 31 homes since 2015.
He also takes part in deals with other investors.
His approach is to buy properties he believes can rise in value, rather than focus only on rental income.
He says owning valuable properties can make banks more willing to lend because those assets affect how they assess risk.
His experience working in banking helped him understand how lenders assess borrowers, but each bank applies its own rules and a rise in property value does not guarantee a loan.
He also considers local wages, population changes, housing supply and prices when choosing where to buy, including in Seville, Alicante and parts of Andalusia and southern Madrid.
Managing 31 properties takes time, so he has delegated some daily tasks to focus on finding further opportunities.
Alejandro Muñoz, a Seville investor, says his portfolio of 31 properties has helped him obtain bank financing.
He began investing in property in 2015, after working in banking in France and southern Spain.
His strategy is to buy homes with potential to rise in value and use his growing assets to pursue further purchases.
Muñoz says banks consider borrowers’ property assets as well as their income and debts.
He cautions that a rise in a property’s value does not guarantee that a bank will lend.
- Who
- Alejandro Muñoz, a Seville property investor.
- What
- He says his 31-property portfolio helps him secure bank financing for further purchases.
- When
- He began investing in property in 2015. The article was published on 10 October 2026.
- Where
- Seville and other locations he considers, including Alicante, parts of Andalusia and southern Madrid.
- Why
- He uses property assets and their potential appreciation to build a financial profile that may help him access loans.
This story does not have two clearly opposing sides.
El banco dice: usted tiene eso en patrimonio, yo no tengo riesgo con usted
No compres pisos baratos
Cada vez soy un perfil más seguro para el banco
Muñoz began investing in property after working in banking in France and southern Spain.
El Confidencial published an account of Muñoz's 31-property portfolio and financing strategy.
- Portfolio
- 31 properties
- Investor
- Alejandro Muñoz
- Location
- Seville
- Investment start
- 2015
- Earlier purchase prices
- Some of Muñoz's first purchases were around €100,000
- Places he considers
- Seville, Alicante, parts of Andalusia and southern Madrid
Sources
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