Terms for professionals

Your first 3 requests are free. Then pay only for the requests you choose, with no commissions or subscriptions.

Credits are a prepaid balance for buying requests in the Ofert network. They cannot be refunded in money, transferred or exchanged. Unanswered or invalid requests are refunded in credits. Exceptions apply to duplicate charges, technical errors attributable to Ofert, and account closure for reasons not attributable to the professional; the unused balance is then refunded in money.

1 credit = EUR 0.01 excluding VAT. VAT: 21%. If you buy as a business or professional whose place of business is in the Canary Islands, Ceuta or Melilla, the sale is not subject to Spanish VAT (Ley 37/1992, arts. 3 and 69.Uno.1.º) and the invoice says so; Ofert does not charge IGIC or IPSI.

OfertFinanzas is not a credit institution, a lender, or a mortgage or consumer credit intermediary. It only passes the need described by the client on to at most 3 lenders or intermediaries registered with the Banco de España. It does not present or offer loan agreements, does not sort or recommend offers, does not carry out pre-contract steps and does not sign agreements on anyone's behalf. Each offer is written and sent by the firm itself, which alone is responsible for its content and for providing the pre-contract information (FEIN, FiAE).

OfertFinanzas charges firms a fixed price per request (advertising), with no amount tied to a loan being signed. The client pays nothing. We do not present or offer loans, do no preliminary paperwork and sign no contracts, so we are not a credit intermediary (Ley 5/2019, art. 4.5; Ley 2/2009, art. 1.1.b). Mortgage and loan requests are only seen by firms that have given their Banco de España registration number.

Before any text from an entity is saved, sent or published (first message, messages, quotes, profile, albums, photo captions and replies to reviews), an automatic filter of fixed rules (no artificial intelligence) rejects it if, for loans or mortgages, it gives an interest rate or an instalment without the APR (TAE) (required by Ley 16/2011, art. 9, for consumer credit; for mortgages it is a rule of this site) or if it promises that the financing will certainly be approved. The entity sees the phrase and the reason and can rewrite it; if the first message is rejected, the request is not taken and nothing is charged. Texts saved earlier that do not meet these rules are not shown on the public page. The filter does not catch everything: each entity remains responsible for its content.