Terms & Conditions

Management Mediterranean de Crédito Financiero S.L. acts as an independent financial intermediary.This intermediary does not offer advisory services. Address: Calle Muntaner, 239, 2C, Barcelona, 08021. Registered with the Bank of Spain, Real Estate Credit Intermediary category, with code D069. Registered with the National Consumer Agency under number 368/2012. Access to registration data: https://www.mscbs.gob.es/consumo/empresas/registroIntermediario.htm

Intermediate for granting loan amounts from €10,000 to €300,000. With repayment terms from 6 months to 20 years.

TIN min./max. 8% /14% APR min./max 10.74% /18.06%. The finally applicable interest rate being the one determined by the corresponding creditor once they have analyzed and approved their request with the help of Suitaprest.

Example of a representative calculation of a loan with a mortgage guarantee. Amount: €100,000. Term: 20 years. Fixed TIN 12%/TAE 15.71%. 240 installments of €1,101.09. Total amount to be paid (capital + interest): €264,261.6. Uninsured. Expenses included: Opening commission (€2,700) and Management (€11,300).

This loan must be guaranteed with a property mortgage.

Maximum amount of the loan available in relation to the value of the property to be mortgaged: The maximum amount will be 50% of the valuation of the house, depending on the circumstances of the company and the property to be mortgaged.Example: If the valuation of the home is € 80,000, the maximum loan amount will be € 40,000.

Loan types:

Payment of interest and principal amortization at maturity.
Payment of interest on a regular basis and amortization of capital at maturity.
Payment of comprehensive periodic installments of capital and interest and amortization of the remaining capital at maturity.
Payment of comprehensive periodic installments of principal and interest.

Amortization term: Maximum amortization term of 20 years.

Frequency of payments: Monthly or at maturity of the loan.

TYPE OF INTEREST

The maximum interest rate of the loans where we intermediate is fourteen percent per year (14%). This interest rate is fixed until the total repayment of the amount borrowed.

TIN min./max. 8%/14%

PREPARATORY EXPENSES

The cost of the appraisal of the property to be mortgaged is borne by the client.

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