What documents will the financial institution give me?
During the processing of the mortgage, the financial institution is also required to provide documents to
applicants. Some of these documents include:
Loan Repayment Schedule This is not so much a document as a repayment table or schedule showing all
information relating to the repayment of the mortgage and the interest rate reviews if it is a variable rate
Detailed breakdown of expenses The financial institution must provide clear information on the expenses borne by the institution and
The European Standardised Information Sheet (ESIS) This replaces the former pre-contractual information form (FIPER, by its Spanish acronym) and
provides an in-depth description of the loan terms based on the customer’s profile. It must be provided by
the financial institution during the pre-contractual stage.
Standardised Warning Sheet (FIAE, by its Spanish acronym) This document provides information on the most important clauses of the mortgage agreement and the
risks they pose.
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