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

Complaints may be filed with the Customer Care Service, with the Customer Ombudsman, at any office open to the public or by post or email:

Customer Care Service at C/Consuegra, 3 - 28036 Madrid (email - atencionalcliente@uci.com)

The company’s Customer Ombudsman (Ms Lucía Lucero Gallardo), by writing to Avda. de la Industria, nº 18 - 28760 –Tres Cantos (Madrid) (email -defensordelcliente.financieras@gmail.com)

We inform you that, according to the regulations in force, the company has the obligation to solve your complaint within two months of its submission through any of the services listed (Entity´s branch offices, Customer Care Service or the company´s Customer Ombudsman) . If you do not agree with the company’s reply or do not receive a reply within that term of two months, you may contact the Bank of Spain’s Market Conduct and Complaints Department (Departamento de Conducta de Mercado y Reclamaciones del Banco de España), at c/Alcalá 48- 28014, Madrid, or through the Virtual Office: 

You may consult the Customer Care Service Regulations and the Valuation Rules and Tariffs Brochure, without any obligation, at any UCI branch and on our websites www.uci.com and www.hipotecas.com, as well as the quarterly information on rates and fees charged or offered in our mortgage loans. 

You are also informed that this Company has recently become a member of the Customer Ombudsman service, so we publish the Customer Defence Regulations through the next link, as well as make them available at all our offices open to the public. 

UCI SA, EFC Customer Care Service Regulations.

UCI SA, EFC Customer Ombudsman Regulations.

Transparency regulations

The regulations governing Bank Transaction Transparency and Consumer Protection are outlined in the following legal texts:

- Spanish Law 2/1994, of 30 March. Subrogation and Modification of Mortgage Loans (Official Spanish Gazette dated 4 April).
- Spanish Law 44/2002, of 22 November, on Measures to Reform the Financial System. 
- Order ECO/734/2004, of 11 March, on customer service departments and ombudsman offices at financial institutions. 
- Spanish Law 22/2007, of 11 July, on distance marketing of consumer financial services.
- Spanish Royal Legislative Decree 1/2007, of 16 November, which approves the modified text of the General Law on Consumer and User Defence and other complementary laws.
- Spanish Law 41/2007, of 7 December, which modifies Spanish Law 2/1981, of 25 March. 
- Spanish Law 16/2009, of 13 November, on payment services.
- Spanish Royal Decree 712/2010, of 28 May, concerning the legal framework for payment services and payment institutions.
- Order EHA/1608/2010, of 14 June, on the transparency of information terms and requirements applicable to payment services.
- Order EHA/1718/2010, of 11 June, on the regulation and control of advertising for banking services and products. 
- Circular 6/2010, of 28 September, of the Bank of Spain, to credit institutions and payment institutions on advertising for banking services and products.
- Spanish Law 2/2011, of 4 March, on the Sustainable Economy. 
- Spanish Law 16/2011, of 24 June, on consumer loan contracts.
- Order EHA/2899/2011, of 28 October, on transparency and protection for banking services customers.
- Spanish Royal Decree-Law 6/2012, of 9 March, on urgent measures to protect mortgage debtors without resources.
- Circular 5/2012, of 27 June, from the Bank of Spain, to credit institutions and payment service providers on the transparency of banking services and liability for granting loans.
- Order ECC/2502/2012, of 16 November, regulating the procedures for submitting complaints with the Bank of Spain, Spanish Securities Market Commission and Directorate General for Insurance and Pension Funds complaint services.
- Spanish Law 1/2013, of 14 May, on measures to reinforce protection for mortgage debtors, debt restructuring and social housing rental. 
- Spanish Law 10/2014, of 26 June, on the organisation, supervision and solvency of credit institutions.
- Spanish Law 5/2015, of 27 April, on fostering business financing.

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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.