Uci union de creditos hipotecarios

Uci union de creditos hipotecarios

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The securitization is classified as simple, transparent and standardized (STS) under European securitization regulations, and the risk of interest rate hikes is hedged by interest rate swaps (ISDA subject to English law). The offering prospectus was registered with the Spanish National Securities Market Commission (CNMV) on October 14, 2021. The placement of the bonds was carried out by Banco Santander (Corporate & Investment Banking) and BNP Paribas.

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The charge has already been sent to the Bank. To make a new request we must have confirmed the payment of the previous one. If you wish to cancel it and make a new request, please contact your branch to return the receipt.

Fulfillment of the contractual relationship: On the other hand, if you so request, we may also process your data to facilitate the contracting of any of our products or services, as well as the development, fulfillment, execution and management of all those that you have already contracted with UCI. Thus, for example, we will need to process your personal data in the event that you request us to process the payment of an appraisal through our web page.  We will also process the personal information you provide to manage your registration as a professional collaborator or customer on our website. This will be necessary in order to identify you as a user and give you access to the different purposes that are available to you as a registered user. In these cases, we will need to process your personal data in order to formalize, manage and fulfill the contract you wish to sign with us, as well as to provide you with the services you have requested.

  Que debe pagar el banco en una hipoteca

Uci 2021

Cuatrecasas has advised Unión de Créditos Inmobiliarios (“UCI”) on the securitization transaction “RMBS PRADO IX”, the registration of the prospectus and the constitution of the securitization fund. This transaction will enable UCI to offer new mortgage loans to individuals for home purchases and building renovations.

The securitization is classified as simple, transparent and standardized (STS) under European securitization regulations, and the risk of interest rate increases is hedged by interest rate swaps (ISDA subject to English law). The offering prospectus was registered with the Spanish National Securities Market Commission (CNMV) on October 14, 2021. The placement of the bonds was carried out by Banco Santander (Corporate & Investment Banking) and BNP Paribas.

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Founded thanks to the joint investment of Banco Santander and BNP Paribas (an international bank that mainly offers investment services for corporate and retail banking), UCI is backed by its financial solvency and its links to the sector, which is an important advantage when applying for a mortgage.

Unión de Crédito Inmobiliario has eliminated practically all the clauses and commissions associated with its mortgages, including the floor clause and opening and amortization commissions.

In many cases it is compulsory to contract products or services with the entity, including direct deposit of the salary or contracting life insurance, home insurance or pension plans. Evidently, the banks justify these links to a question of guarantees and payment protection. However, all these products have interests attached to them, and it is easy that in the long run the mortgage becomes much more expensive. Therefore, before applying for a mortgage, you should carefully review the commitments that you are going to acquire with the bank.

porErnesto Villalba Gutiérrez

Ernesto Villalba Gutiérrez, asesor financiero.