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Pursuant to the provisions of Order EHA/2899/2011, of 28 October, on transparency and the protection of banking services customers, you can consult the guidelines for obtaining a mortgage at this branch.
Consumers wishing to formally arrange a mortgage loan for a property in the Autonomous Community of Andalusia have the right to be provided with a list of the legally required documentation (IDEP), setting out all the documents that they must be provided with through to the formal arrangement of the agreement. Decree Law 5/2019, of 17 December amending Law 3/2016 of 9 June on the protection of the rights of consumers and users in property mortgage loan agreements (Official Gazette of the Regional Government of Andalusia No. 247 of 2019).
In reference to Royal Decree Law 1/2017 you are hereby informed that we have information available on the Prior Claim Procedure and Refund of Floor Clauses as set out in these regulations as well as the relevant claim form.
Pursuant to Bank of Spain Circular 5/2012 of 27 June for credit institutions and payment service providers on the transparency of banking services and responsibility for granting loans, you are hereby informed that the following information is available, having been duly updated and to the date in question:
- Annex 1: Quarterly information on fees and rates applicable or offered most commonly on the most frequent transactions with the most common customer profiles of natural persons.
- Minimum purchase rates and maximum sales rates for foreign exchange transactions in euros.
- Annex 2: Interest rates and fees charged on unspoken overdrafts in deposit accounts and unspoken overruns in credit accounts.
- Informational booklet on maximum tariffs on stock market services and transactions.
Pursuant to the provisions of Rule 7 in Bank of Spain Circular 2/2019, of 29 March, on the requirements of the Informative Document on Fees and the State of Fees, and payment account comparison websites, you are hereby provided with information on the fees, charges and interest applied to the different payment accounts offered in the Informative Document on Fees and the list of the most representative services associated with a payment account.
Pursuant to Order ECE/1263/2019, of 26 December, on the transparency of information requirements and conditions applicable to service payments, you are hereby informed that information is available about your main rights and obligations when making payments. You can view the “Your rights when making payments in Europe” by clicking here.
Pursuant to the provisions of the Spanish National Securities Market Commission Circular 7/2011 of 12 December on tariff prospectus and content of standard contracts, the following types of contract are available: the Contract regulating the provisions of investment and ancillary services: the Recurring Advice Annex, the Deposit and Administration of Securities Annex, the Discretionary and Individual Portfolio Management Annex and the One-Off Advice Annex, providing you with details on the conditions of the investment services provided by Banca March. You can view these contracts at the following link: https://www.bancamarch.es/en/mifid/.
Basic payment account and transfer of the payment account
Banca March, S.A. hereby informs you that it provides the necessary information in relation to opening a basic payment account, its minimum services, conditions, applicable fees or free of charge for people at risk of financial exclusion or those deemed vulnerable, as well as the form to request the payment account transfer, pursuant to Royal Decree Law 19/2017, of 24 November, on basic payment accounts, the transfer of payment accounts and the comparability of fees, Royal Decree 164/2019, of 22 March, establishing a free system for basic payment accounts for those deemed vulnerable or at risk of financial exclusion and Order ECE/228/2019.
Banca March, S.A. adheres to the “Code of Good Practice for the viable restructuring of mortgage-backed loans for primary residence”, approved in Royal Decree Law 6/2012, of 9 March, on urgent measures to protect low income mortgage debtors. However, in accordance with the resolution by Spain's Cabinet on 11 May 2021, Banca March would like to inform its customers that it has decided not to adhere to the Code of Good Practice for the purposes of renegotiation in the case of customers with guaranteed financing, as per Royal Decree Law 5/2021, of 12 March. For the purposes of Royal Decree 2606/1996 of 20 December on the Deposit Guarantee Funds of Credit Institutions, and its subsequent amendment under Royal Decree 1012/2015, of 6 November, you are hereby informed that Banca March, S.A. is adhered to the Deposit Guarantee Funds of Credit Institutions located at Calle José Ortega y Gasset, 22 - 5ª planta, 28006 Madrid, email: email@example.com, web: www.fgd.es, tel.: +34 91 431 66 45.
Monetary deposits that are guaranteed have a maximum limit of €100,000 per depositing party, regardless of the previous limit, up to a maximum of €100,000 for deposits in securities and financial instruments guaranteed and entrusted to the institution. These limits are applicable to both natural and legal persons, regardless of the number and class of deposits guarantees or the financial instruments and securities guaranteed in which they feature as the holder, pursuant to the provisions of Article 4 et seq. of the aforementioned Royal Decree.
- Mortgage loans and credits for properties in Andalusia
- Information on deposit guarantee funds: “Royal Decree 2606/1996 of 20 December, on deposit guarantee funds for credit institutions"
- Code of good practices
- Mortgage loan access guide
- 2017 March Vida Solvency and Financial Condition Report
Collective investment schemes
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