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Call us

Client
clientes@uci.com 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com 912 06 37 90
L-V de 10.00 a 18.00h
Apply for mortgage
Apply for mortgage
MORTGAGE CREATES - SELF-PROMOTER

A house built by you is a self-promoter mortgage

Starting your house from scratch is making your home much more yours. You have the land, control of the process and we are by your side for every decision you make. It is CREA Mortgage, when you know that a house is defined by the small details.
Request CREA

CREA Mortgage: your house, on your land

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Decide, that's what you want. Decide when and where to build the house you like. On your land, in that place that is yours and that will soon be your home. Decide the layout, materials, colors, spaces: your house. At Hipoteca CREA, we talk about a way of living. And starting from scratch is yours.

  • Your future

    Building your own house is a safe bet. What is a plot of land today will soon become an investment.
  • Tu camino

    Your path

    Your decisions take you far, and with us at your side, safely.
  • Tu dinero

    Your money

    Manage payments as the work progresses. If we say you choose, there's a reason.

Your CREA Mortgage has the answer

  • With the CREA mortgage, it is preferable that you own the land. However, consult with your financial advisor to study your project in detail.
  • It must have a minimum value of €100,000 and be on urban land, meaning you cannot build your home on rustic land. For more details on the requirements, contact our sales team.
  • It is a CREA self-builder mortgage, meaning it allows you to build your house from scratch on your own land. Unlike other mortgages, the entire loan is not given in a single installment, but rather is given in installments as the work progresses.
  • No. To sign your CREA autopromotor mortgage, it is necessary to have the corresponding urban planning licenses (municipal building permit, construction, installation and work tax (ICIO), deposit, etc.) and their respective payment slips.
  • Initial payment period during which the capital is not amortized. In the case of CREA, you will only pay interest while your home is being built, with a maximum limit of two years or until the work is finished, whichever comes first.
  • You must be of legal age and must complete payment on the loan before turning 75.

Your project, your mortgage CREATE

  • When you need it most

    Flexibility

    During the months of construction, you can pay less.

  • Stick with your bank

    Freedom

    Choose what you want to hire from us. It's your decision.

  • CREATE IS MORE THAN A HOUSE

    Consciousness

    We have a commitment to the planet: choose an efficient home.

It's time to receive information

Everything that the CREA Mortgage has to tell you
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  • Do you own land?
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  • Responsible: Unión de Créditos Inmobiliarios SA EFC (UCI). Contact with the UCI Data Protection Delegate: dpo@uci.com. Purposes and legal basis: With your consent, UCI will process your data to manage your requests, provide you with information about our products and services, and know your assessment of them. Conservation time: We will keep your data for as long as it is necessary to fulfill said purposes. Once completed, UCI will proceed to block them, keeping them only at the disposal of the competent Public Administrations. Communication to third parties: UCI may contract third-party service providers who will have access to your personal data, processing them only for the purposes described, always on behalf of UCI. Rights: You can exercise your rights of access, rectification, deletion, opposition, limitation, portability, as well as the revocation of the consent given, by writing to the email "privacidad@uci.com", or by postal mail to the Post Office 1160, 28080 -Madrid. You can also file your claim with the AEPD at www.aepd.es. How we obtain your data: UCI has obtained your data through forms or requests that you may have completed on one of our websites, in interviews and conversations with our sales representatives, or through third-party companies (for example, real estate portals) with which UCI maintains collaboration agreements. In all cases, with your knowledge, and prior consent for the treatment thereof. You can obtain more information about the processing of your personal data, and how to exercise your rights, by consulting our Data Protection Policy. By clicking on the submit button below, I declare that I have read and accept the above information on Data Protection.
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    • This is your mortgage CREATE

    • 1

      Gil

      We have already spoken to you within 24 hours.

    • 2

      Simple

      We ask you for little to give you a lot: value of the plot, construction cost, estimate of the future value of the home and savings contributed.

    • 3

      Easy

      Getting closer to your project: loan application, documentation and complete study of financing and housing.

    • 4

      C fashion

      Worry about what really matters. We take care of coordinating the appraisals before, during and after the work is finished.

    • 5

      Safe

      The first payment is made at the time of signing. Intermediate payments are made according to the certificate of progress of work. The last payment is made once the certificate of completion of work and the first occupancy license have been obtained.

    Product

    When we say Green, we talk about thinking about the planet

    There is nothing more important than having a commitment to our biggest home, the planet. If you build with efficient materials and systems, check out the advantages of our green mortgage.

    Your mortgage benefits from insurance

    For a safer future S

    The future is uncertain, it is just a choice. Take out one of the insurance policies we offer and breathe easy.

    Study our insurance

    You still have a lot to know about your CREA Mortgage

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    CREA Mortgage, and everything you may need

    Because each person, due to his interest, has his own type.

    • Variable Type

      You change yourself, and your rate. Fixed rate the first year and variable the rest of the mortgage, changing according to the Eurbor.

    • Mixed Type

      You don't settle for the same thing. Fixed rate for the first few years, and variable for the rest of your mortgage.

    • Fixed Type

      You don't want changes, but a rate that doesn't vary. Up to 30 years, without depending on changes in the Eurbor.

    All insurance is mediated by Unión de Créditos Inmobiliarios, SA, Establecimiento Financiero Crédito, Operador de Banca-seguros Vinculado. Registered office at Calle Amaltea, 32, 1º, 28045, Madrid. Company registered in the Mercantile Registry of Madrid, Volume 29,491, Book 0, Folio 174, Section 8, Sheet M. 67,739. CIF A39025515. Registered in the Registry of the General Directorate of Insurance and Pension Funds with no. OV-0076. The mediator has Professional Civil Liability Insurance and financial capacity as established by current legislation.

    SANTANDER Seguros y Reaseguros, Compañía Aseguradora, S.A. Av. De Cantabria, S/N. 28660, Madrid. CIF A46003273. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0037, in life insurance, permanent total disability insurance and home insurance.

    CARDIF Assurance Vie, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012421D. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0129, in life insurance and permanent total disability.

    CARDIF Assurances Risques Divers, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. With CIF. W0012420F. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0130, in temporary disability and unemployment insurance and home insurance.

    GENERALI Seguros y Reaseguros, SAU Paseo de las Doce Estrellas, 4, 28042, Madrid. CIF. A48037642. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code C0467-G0056, in life and permanent total disability insurance and in home insurance.

    CAJA DE SEGUROS REUNIDOS, Insurance and Reinsurance Company, SA (CASER), Avenida de Burgos, 109, 28050, Madrid. CIF A28013050 Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0031, in life and permanent total disability insurance and in home insurance.

    ZURICH VIDA, Compañía de Seguros y Reaseguros, S.A., Paseo de la Castellana, 81, 22nd floor, 28046, Madrid, CIF. A08168213. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0039, in life insurance and permanent total disability.