General conditions of contract
Intermediation servies for execution of loan mortgage loan agreements
LUCICO FINANCIAL, S.L.U (SEGURBAN) enrolled in the National Registry of the National Consumer Institute under No. 024/2011 of section 2ª. Policy R.C nº 21699 of Unión Alcoyana. This document establishes the general contracting conditions of the company LUCICO FINACIAL SLU (trade name SEGURBAN) whereby the client entrusts to Segurban the provision of financial intermediation services in order to make the appropriate arrangements for, on behalf of the client, To obtain mortgage credit when the personal circumstances of the applicant regarding patrimony, solvency and risk are taken care of; According to the following clauses:
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Annual interest according to profile: From 7% T.A.E. (ACCORDING TO CUSTOMER PROFILE) MAXIMUM 15% annual APR.
Up to 25 years to pay. Early or partial cancellation from 6th month without cost.
Signed in Notary and receives the loan amount in the same act.
In mortgage loans, the minimum cancellation period is six months and the maximum of 25 years. And in personal loans, minimum 6 months and maximum five years.
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- Denominación social, nombre comercial, domicilio social, CIF y así como inscripción en los registros a que se refiere el artículo 3 de la Ley 2/2009 de 31 de marzo.
- Existencia y disponibilidad de un folleto de tarifas.
- Mecanismos de resolución extrajudicial de conflictos
- Normativa que regula la protección de los consumidores
- Derecho de los consumidores a solicitar ofertas vinculantes
- Información previa al contrato
- Contrato.
- Información sobre el derecho de desistimiento en un plazo mínimo de 14 días.
- Existencia de hojas de reclamaciones a disposición del consumidor.
- Tasaciones inmobiliarias en caso de préstamos con garantía hipotecaria.
- Comisiones bancarias de apertura y constitución delos créditos.
- Gastos y aranceles notariales, escritura pública y timbres.
- Derechos de registro, tasas e impuestos locales o autonómicos.
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