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clientes@uci.com · 912 06 37 95
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cuentanos@uci.com · 912 06 37 90
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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
VIVE Mortgage

VIVE Mortgage is buying the house you like so much

To live where you want, you don't just need a mortgage, but a person who will accompany you at every stage of the process. If we have helped more than 300 thousand people buy their home, you can trust that the same will happen with you.

Apply for VIVE

Your situation is what it is, and the VIVE Mortgage adapts

Understanding you is the first step. That is why our financial advisor will be with you throughout a process that only ends when the house you want so much becomes your home.

  • Time is so valuable that you can choose the term of your mortgage: between 7 and 30 years.
  • If each person is different, their situation is different too. Mortgages that adapt.
  • Count on us when purchasing your first home, and your second.

Your VIVE Mortgage has the answer

  • VIVE Mortgages are available at a fixed rate, mixed rate or variable rate, it's up to you! Each one has specific advantages and features. Choose the one that best suits your needs.
  • To apply for the VIVE Mortgage, the following is generally required:
    • Be of legal age.
    • Not be over 67 years old when requesting the loan.
    • Have a stable employment situation with a demonstrable income history.
    • Do not exceed a certain percentage of debt in relation to your monthly net income.
    • The property to be mortgaged must pass a satisfactory appraisal.

    If you have all of them, you can apply for your mortgage in one click.

  • You will need three types of documentation:

    1. Documents related to the property: the property deed, the simple note from the Property Registry, the sales contract and proof of payment of the Property Tax (IBI).

    2. Documents related to your income:
    • Self-employed worker: Latest personal income tax, Employment history, last 3 pay slips, civil servant appointment and bank statements.
    • Self-employed worker (freelancer): IRPF for the last 3 years, split payments for the current year, VAT for the current year, employment history and bank statements for the last year.
    • Business owner: Deed of incorporation/modification of company, IRPF for the last 3 years, corporate tax for the last 3 years, VAT for the current year, Employment history and bank statements for the last year
    • Pensioner: Proof of Pension/Certificate of pension revaluation or last 3 pension payment receipts and last IRPF
    • In all cases, justification of personal contribution to the operation will be requested.

    3. Personal documents: Legible and valid DNI/NIE/Passport. If you have separated or divorced, the court ruling and regulatory agreement will also be requested.

  • There are a number of expenses to be faced when taking out a mortgage:
    Mortgage expenses that apply to you:
    • Appraisal costs.

    Mortgage expenses that correspond to the financial institution:
    • Property registration fees.
    • Notarial fees for mortgage loan deeds
    • Stamp Duty (IAJD) on the mortgage deed.
  • The VIVE Mortgage allows early repayment, both partial and total, subject to specific conditions and possible commissions established in the contract. It is essential to review these conditions to understand how they may affect your mortgage.
  • The VIVE Mortgage is different from other options on the market mainly due to its personalized approach to those looking for a mortgage to buy their home. It offers flexible conditions tailored to the individual needs of each client, ensuring that the financing process is perfectly tailored to their expectations and financial capacity. In addition, the support provided by financial consultants throughout the entire contracting process provides a unique and customer-oriented experience, making it easier to understand each stage and decision. This level of customization and customer service makes the VIVE Mortgage not only a financial option, but a comprehensive solution to achieve the dream of owning your own home.

It's time to receive information

Everything that the VIVE Mortgage has to tell you

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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 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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Product

Living well means having a VIVE Green Mortgage

Where there is room for two, there is room for the whole planet. If you buy a new home with energy efficiency A, your financing will be called a 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 VIVE Mortgage

Read our articles

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06 Apr 2023

What house can I buy with my salary?
Economy and Mortgages

VIVE 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.