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General terms and conditions of contracting

Last modified: January 15, 2025

PRIMETEKA, S.L.

1. PROVIDER IDENTIFICATION


These General Terms and Conditions govern the contracting of real estate credit intermediation services offered by:

PRIMETEKA, S.L.
VAT Number: B75920934
Registered office: Avenida de la Gardenia nº 1, puerta A8, 29688 Estepona (Málaga), Spain
Public office: Edificio Altaír, Urbanización El Saladillo, Carretera de Cádiz Km 165, Office 201, 29688 Saladillo Benamara, Málaga
Bank of Spain Registry: E293

2. PURPOSE OF THE CONTRACT

This contract aims to provide real estate credit intermediation services, consisting of connecting the client with lending institutions in order to facilitate the obtaining of financing secured by real estate located in Spain.

PRIMETEKA, S.L.:

  • ● Does not grant loans.

  • ● Does not act as a financial institution.

  • ● Does not hold clients’ funds.

  • ● Does not provide personalized financial advice.

  • ● Acts as an independent intermediary.

 

3. NATURE OF THE INTERMEDIATION


The activity includes:

  • ● Preliminary analysis of the client’s financial profile.

  • ● Collection and review of documentation.

  • ● Submission of the application to financial institutions.

  • ● Liaison and follow-up of the application.

  • ● Coordination until potential formalization before a notary.

 

The final decision on loan approval rests exclusively with the financial institution.

4. FEES AND SERVICE PRICE

4.1 Ordinary mortgage financing operations
For operations aimed at property purchase, improvement of loan conditions, or subrogation:
1% of the amount actually financed.

4.2 Consolidation or refinancing operations
For operations aimed at debt consolidation or cancellation using mortgage guarantees:
Up to 15% of the amount actually financed, depending on the complexity of the operation.

The exact percentage will be individually agreed in writing.

4.3 Accrual
Fees:

  • ● Will only accrue if the operation is formalized before a notary.

  • ● Will not accrue if financing is denied.

  • ● No study or file-opening fees will be charged if financing is not granted.

 

5. PAYMENT METHOD


Payment shall be made at the time of loan formalization or within the contractually agreed term.
No advance payments will be required unless expressly agreed and for services actually rendered.

6. CLIENT OBLIGATIONS


The client agrees to:

  • ● Provide truthful, complete, and updated information.

  • ● Submit all required documentation.

  • ● Inform of any relevant changes in their financial situation.

  • ● Not manage the same operation simultaneously with another intermediary without notification.

 

7. DURATION


The contract will last as established in the particular document signed by the parties.
It may be terminated early in the event of:

  • ● Mutual agreement.

  • ● Breach of contract.

  • ● Objective impossibility of financial viability.

 

8. RIGHT OF WITHDRAWAL


In the case of distance contracting or contracting outside business premises, the client has 14 calendar days to withdraw without justification.
If the client requests immediate commencement of the service and it is fully executed within the withdrawal period, this right may be lost in accordance with current regulations.

9. LIABILITY


PRIMETEKA, S.L. shall be liable exclusively for damages resulting from willful misconduct or negligence in the exercise of its intermediation activity.

It shall not be responsible for:

  • ● Loan denial.

  • ● Conditions imposed by the financial institution.

  • ● The final decision on granting the loan.

 

10. DATA PROTECTION


The processing of personal data will be governed by the Privacy Policy published on the website.

11. APPLICABLE LAW


The contract shall be governed by Spanish law.
In the case of consumers, the courts of their domicile shall have jurisdiction.