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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
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MORTGAGE PURCHASE AND REFORM - MORTGAGE REFORM

Purchase and renovation mortgage: so that your house becomes your home

If we say that what's important is inside, it's because the most special moments happen inside the house. Your COMPRAYREFORMA Mortgage gives you the support so that, in addition to buying, you can renovate.
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Product
PURCHASE AND RENOVATION / PURCHASE AND RENOVATION MORTGAGE

COMPRAYREFORMA Mortgage, the house you like, the way you like it

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Product
REFORM / MORTGAGE REFORM

REFORMA Mortgage, a home is made from the inside

There are times when you just need to change a few things to start over. With the REFORMA Mortgage, you can get a loan to renovate your home. A loan that allows you to finance these improvements, putting your house up as collateral.

  • Your path

    It is your financial advisor, who will help you in every decision.

  • Your commitment

    A sustainable planet is made of energy efficient homes.

  • Your decision

    Control payments to the renovator as the work progresses.

  • Your peace of mind

    Pay for the renovation each month and purchase it in one installment.

Your mortgages answer you

  • That the mortgage includes the money for the renovation and the money for the purchase of the house you want to renovate.
  • You choose the renovator. To do this, you must consider his experience, solvency and technical knowledge and not just the budget.
  • You will have the loan to pay the reformer.

  • You have two options:
    • When you apply for a mortgage to buy your house and you already have a budget for the renovation.
    • When you do not have the budget for the renovation at the time of applying for the mortgage. In this case, you have 3 months from the date of signing the mortgage to present it and be able to access the additional financing for the renovation.

  • The COMPRAYREFORMA works by provisions.
  • It is a loan in which the money is not delivered in a single payment to the borrower, but rather partial payments are made until the total amount available is completed. With the COMPRAYREFORMA and REFORMA mortgages, the payments will be made according to certifications of progress of the work.
  • We will provide you with the first provision as soon as the work begins.
    From this moment on, you will be able to use the money as the work progresses, according to the appraiser's certifications. The final payment will be at least 15% of the renovation budget, subject to certification of the completion of the work by the appraiser.
  • To monitor each progress of the work, an appraiser will certify the status of the renovation. During his visit, he will make an assessment of how it is progressing to give you control over the project, the budget and the renovator.
  • Yes, this mortgage has a grace period until the end of the project or for a maximum of 12 months. That is, during this period you will pay a lower monthly payment, since you only pay the interest.

Renovating, with or without purchase, is...

  • when you need it most

    Flexibility

    You have the option of paying less until the renovation is finished, with a maximum of 1 year.

  • stick with your bank

    Freedom

    With us, you only hire what you want. Nothing more.

  • Let us know the advantages

    Efficiency

    Get a higher energy certification. For a better planet.

If you've come this far, it's because you want to know more.

Everything that REFORMA and COMPRAYREFORMA mortgages have to tell you.
Request information for the mortgage that suits you.

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  • Type of housing
  • Does the house need renovation?
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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 what your mortgages are like

  • 1

    Giles

    In 24 hours we have already spoken to you

  • 2

    Simple

    We ask for little to give you a lot: value of the home, value of the renovation, savings that I provide and work profile.

  • 3

    Easy

    Getting closer to your project: loan application, documentation and complete study of the operation.

  • 4

    Comfortable

    Worry about what really matters. We coordinate appraisals before, during and at the end of the renovation.

  • 5

    Safe

    The first delivery is made when the work begins. Intermediate deliveries are made after the appraiser has certified the progress of the renovation. The last delivery is made once the appraiser has certified the end of the renovation.

Product

REFORMA and COMPRAYREFORMA mortgages, together for a Green planet

If they say that unity is strength, we offer you two mortgages to work towards a more sustainable planet. Improve the consumption score of the energy efficiency certificate by 30% and you will be able to access the 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 mortgages

Read our articles

11 Jan 2022

Old house to renovate: what you should know before buying
Economy and Mortgages

02 Dec 2021

The definitive guide to renovating your home
Economy and Mortgages

COMPRAYREFORMA and REFORMA mortgages, 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.