A minimum property price of € 150,000 is required.

A minimum loan amount of € 100,000 is required.

In order to deal with your case, we will contact with you using the telephone number, email address and name that you have given us. We will use these details at UCI ("Unión de Créditos Inmobiliarios S.A E.F.C.") only to contact you and reply to any queries or requests for information that you might raise with us. We will not retain or use them for any other purpose, and (unless we are entirely obliged), will not provide them to anyone else.Should you wish to find out more with regard to the legal aspects of this procedure, and in particular how we protect your privacy, click here

This website is the property of  UNION DE CREDITOS INMOBILIARIOS, S.A. ESTABLECIMIENTO FINANCIERO DE CREDITO (hereinafter, U.C.I.) registered in the special Bank of Spain Register under number 8512, and subject to its supervision. Specialised Credit Institution. Registered at the Madrid Trade Register under Volume 11266, Sheet 164, Section 8, Page M-67739, Entry 344, Tax ID A-39025515.

Registered Office: C/ Retama, 3, 28045, Madrid. Telephone: 91 337 37 37 Fax: 91 337 37 38 Email: clientes@uci.com.

This Website is the property of UCI. Intellectual property rights and rights of use and reproduction of this Website, its pages, screens, the information they contain, their appearance and design, as well as links established from it to other websites of any company belonging to the UCI Group are exclusively owned by UCI unless specified otherwise.

Any name, design and/or logo reflected on this website are duly registered trademarks.

Any undue use thereof by a person other than their legitimate owner may be prosecuted in accordance with the legislation in force.

Third-party intellectual property rights and trademarks are conveniently highlighted and must be observed by anyone visiting the Website.

Download of the contents, as well as copying or printing of any page of this Website is only permitted for personal and private use.

Reproducing, transmitting, modifying or deleting any information, content or warning from this Website is strictly prohibited without the prior written authorization from UCI.

UCI expressly declines any liability for error or omission in the information on the Website. It also reserves the right to modify the information, as well as to suspend, cancel or restrict any Website content, links or the information obtained through it, without any need for prior notification.

Website contents are solely provided for informative purposes and under no circumstances shall be used or considered as an offer of sale or financing, a request for a purchase or financing offer or recommendation to undertake any other transaction, except where expressly indicated.

By entering this Website and visiting any of its pages you are considered a User and therefore agree to these General Terms & Conditions.

UCI reserves the right to modify, suspend, cancel or restrict the content of the Website, as well as the links or the information obtained through it, without prior notice.

Transmitting or sending through the Website any illegal or illicit content, computer virus, or message which, in general, affects or infringes UCI Group or third-party rights is prohibited.

UCI shall not be liable for any third-party websites that may be accessed via links or any content made available by third parties.

Any use of a link or access to a third-party website is done at the User’s own and exclusive will and risk.

UCI does not recommend or guarantee any information obtained by or through a link, nor shall be liable for any loss, claim or damage resulting from the improper use or misuse of a link, or the information obtained through it, including other links or websites, the interruption in service or in access, or attempt to use or misuse a link, when entering the Website and gaining access to other.

Website information from the Website.

These General Terms & Conditions shall be governed by Spanish law.

UCI has designed a Privacy Policy and established the necessary means and procedures to comply with it.

Personal data processing.

The only personal data to which UCI will have access are those provided voluntarily by the User.

In this sense, it is necessary for the User to know that in order to register for certain products/services offered through the Website, he/she will be asked to provide personal data.

In such cases and with respect to the data expressly indicated to the User/Customer, you will not be able to access or use those services and content if these data are not provided. In compliance with current regulations, UCI has taken the necessary technical and organizational measures needed to maintain the required security level concerning the personal data processed.

It also has the precise mechanisms at its disposal to prevent, insofar as is possible, any unauthorized access, theft, illicit amendments and loss of said data. The aspects concerning the processing of the Users’ personal data as a result of browsing the Website are regulated in the Privacy Policy document.

This Website uses Cookies to store the last searches made and facilitate their recovery by the User. You may configure your browser to reject the installation of Cookies.

However, certain areas or services of the Website may not be available if you choose this option.

Nonetheless, if you post personal information online that is accessible to the public, you may receive unsolicited messages from others and your data, therefore, will be known by third parties.

In view of the foregoing, the utmost diligence is recommended as concerns this matter and the use of all security tools within your reach. UCI shall not be held liable for any theft, illicit modifications or loss of data.

The Parties hereby submit, at their choice, for the resolution of conflicts and with waiver of any other jurisdiction, to the Courts of the User’s place of residence. Likewise, as an entity registered with CONFIANZA ONLINE and in compliance with the terms of its Code of Ethics, in the case of disputes relating to online contracting and advertising, data protection, protection of minors and accessibility, the User will be able to make use of the CONFIANZA ONLINE out-of-court controversy resolution system (www.confianzaonline.es).

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I hereby declare that all the information in this application is true, including data on assets, income and debt, and that the resources are totally mine/ours and are not subject to any charge other than the ones listed.

I hereby declare that the income and the personal contribution declared in this document come from legitimate activities not prohibited by law.

I hereby authorize any type of investigation to confirm the data submitted and for the granting of the loan.

I expressly authorize Unión de Créditos Inmobiliarios S.A. Establecimiento Financiero de Crédito (hereinafter, UCI), as regulated in Organic Law 15/99 of 13 December, on personal data protection, to include my/our personal data (including, where applicable, the email address) in an automated file and its processing, for the loan contract study, as well as the offer and taking out of the Entity’s products and services, even in the event of the loan contract not being formalized. I especially authorize the Entity to carry out all calculations, simulations and operations it deems appropriate with data provided by the applicant/s in order to obtain, through the processing of the data provided, together with the Entity’s risk analysis statistical systems, based on payment compliance probability calculations, a profile of the applicant/s regarding probability of meeting the payment of the transaction analysed. The data obtained from the applicant/s shall be considered as more data for taking the final approval or rejection decision.

I hereby declare I have been informed by UCI and authorize the entity to perform the corresponding enquiries, especially regarding the verification of solvency, through any financial solvency and creditworthiness files provided for in Article 28 of Organic Law 15/99 of 13 December, on personal data protection, with the purpose of analysing the solvency and viability of the transaction requested from UCI.

I expressly authorize UCI to send me commercial communications by electronic mail or by any other equivalent means of electronic communication, even in the event of the loan not being formalized or although the loan contract being subscribed may be terminated for any reason.

The party responsible for the file is Unión de Créditos Inmobiliarios S.A. Establecimiento Financiero de Crédito, with registered office in Madrid, calle Retama nº 3, 28045 Madrid, before whom you may exercise your rights of access, rectification, cancellation and opposition, or by email to: atencionalcliente@uci.com.

The signatory is informed and authorizes UCI -at calle Retama, 3, 28045, Madrid- to disclose his/her personal data to the following entities for the purpose of promoting their products*:

UCI, S.A. Address: calle Retama 3, 28045 Madrid. Activity: promotion, development and participation in companies and firms related to the real estate sector.

Retama Real Estate, S.A.U. Address: calle Retama 3, 28045 Madrid. Activity: Advisory services to companies, provision of telecommunications services and real estate sale and purchase.

(*) The personal data Subject may exercise his/her rights of access, rectification, cancellation and opposition regarding the processing for which the target entity is responsible at the corresponding address. 

The signatory also authorizes UCI to record the conversations held with the entity during the requested credit transaction approval process, all in accordance with current Data Protection legislation.