Rates and Fees

PRIMETEKA, S.L.

These terms govern the remuneration for real estate credit intermediation services provided by PRIMETEKA, S.L., VAT Number B75920934, with registered office at Avenida de la Gardenia nº 1, puerta A8, 29688 Estepona (Málaga), registered in the Registry of Real Estate Credit Intermediaries and Lenders of the Bank of Spain (REEIF) under number E293.

These terms are established in accordance with Law 2/2009 and Royal Decree 106/2011, and apply to all intermediation contracts entered into by clients with PRIMETEKA, S.L.

1. SCOPE OF APPLICATION

The fees contained in this document apply to the following services:

• ● Intermediation of mortgage loans or credits.

• ● Document management related to financing processing.

• ● Liaison with lending institutions.

Fees do not include:

• ● Appraisal costs.

• ● Notarial fees.

• ● Registration fees.

• ● Taxes and costs arising from the operation not directly related to the intermediation services contracted with PRIMETEKA, S.L.

 

2. SERVICES PROVIDED

The intermediation services covered by these terms include:
a) Preliminary analysis of the financial profile.
b) Collection and review of client documentation.
c) Submission of the application to lending institutions.
d) Coordination and follow-up of the file.
e) Formal review of offered conditions prior to notarial signing.

3. INTERMEDIATION FEES

3.1 Intermediation for ordinary financing operations
For financing operations intended for:

• ● Purchase of a primary or secondary residence.

• ● Subrogation.

• ● Improvement of conditions of an existing loan.

Fees will accrue as a percentage of the amount actually financed:
1% of the financed amount
(VAT not applicable according to current regulations, where appropriate).

Example: For a financing of €200,000, the fees would be €2,000.

3.2 Intermediation for debt consolidation or refinancing operations

For operations aimed at:

• ● Debt consolidation.

• ● Cancellation of personal loans using mortgage guarantees.

• ● Complex refinancing with multiple creditors.

Applicable fees will be:
Up to 15% of the amount actually financed, depending on:

• ● Operational complexity.

• ● Number of creditors to be settled.

• ● Volume of documentation to manage.

• ● Effort required to liaise with institutions.

The exact percentage will be agreed in writing before formalizing the intermediation contract.

4. FEE ACCRUAL

Fees will accrue and be payable only if:

1. 1. The financing operation is formalized before a notary or its effective granting is verified.

2. 2. The client has signed the intermediation contract.

3. 3. The client has received the pre-contractual information in accordance with Law 2/2009.

In case the loan or credit is not granted, no fees or costs will accrue or be payable.

5. INVOICING AND PAYMENT

• ● The fee invoice will be issued by PRIMETEKA, S.L. once the operation is formalized.

• ● Payment will be made by the client at the time of signing the deed or within the term agreed in the contract.

• ● No advance payments or deposits not legally justified will be required.

 

6. COMMISSIONS, COSTS, AND CHARGES

The fees include all commissions, charges, expenses, and taxes directly related to the intermediation services provided by PRIMETEKA, S.L.

The following will not be charged:

• ● Study surcharges.

• ● Penalties for withdrawal (except where expressly agreed and legally permitted).

• ● Costs not previously communicated to the client.

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7. TRANSPARENCY AND PRIOR NOTICE

PRIMETEKA, S.L. will ensure that the client receives written information before signing the intermediation contract regarding:

• ● Applicable fee percentage.

• ● Estimated amount of fees.

• ● Calculation method.

• ● Conditions of accrual.

 

8. ACCEPTANCE

Contracting the services of PRIMETEKA, S.L. implies acceptance of these general conditions of fees and management rates, which form an integral part of the intermediation contract.