Cabrera Kapital(In accordance with Spanish Law 5/2019 regulating real estate credit agreements)
1. Nature of the activity
Cabrera Kapital acts as an independent Real Estate Credit Intermediary, registered in the corresponding register of the Bank of Spain, in accordance with current legislation.
The activity is carried out with full professional autonomy and without any exclusive contractual tie to any particular financial institution.
2. No ties to financial institutions
Cabrera Kapital:
- Is not subject to exclusivity agreements with credit institutions.
- Does not act as a tied agent of any financial institution.
- Does not receive commissions or financial incentives from banks or lenders.
Its business model is based exclusively on the remuneration agreed with the client, under a success-fee arrangement.
3. Principle of objectivity
The recommendations issued are based on:
- An individual analysis of the client’s economic and financial profile.
- An assessment of their borrowing capacity.
- A comparative study of the different offers available on the market.
- The suitability of the product for the client’s specific needs.
The advice provided is personalised, objective and focused exclusively on the client’s interest.
4. Transparency and conflicts of interest
Cabrera Kapital declares that it:
- Acts on the principles of transparency, impartiality and professionalism.
- Has no conflicts of interest that could affect the objectivity of its recommendations.
- Will inform the client in advance of any circumstance that could influence the provision of the service.
5. Professional commitment
Cabrera Kapital’s professional conduct is governed by:
- Current legislation on real estate credit.
- The standards of professional diligence required in the sector.
- The principle of financial consumer protection.
The aim is to offer an independent, technically sound service aligned with the client’s interests.