{"id":972,"date":"2025-04-01T13:19:57","date_gmt":"2025-04-01T11:19:57","guid":{"rendered":"https:\/\/solversh.es\/transparencia-i-tarifes\/"},"modified":"2025-04-14T09:19:13","modified_gmt":"2025-04-14T07:19:13","slug":"transparencia-i-tarifes","status":"publish","type":"page","link":"https:\/\/solversh.es\/ca\/transparencia-i-tarifes\/","title":{"rendered":"Transpar\u00e8ncia i tarifes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"972\" class=\"elementor elementor-972 elementor-841\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b2e7889 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2e7889\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de96246\" data-id=\"de96246\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-981894d elementor-widget elementor-widget-heading\" data-id=\"981894d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les nostres normes de transpar\u00e8ncia<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e39b0 elementor-widget elementor-widget-text-editor\" data-id=\"c5e39b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a66503 elementor-widget elementor-widget-heading\" data-id=\"8a66503\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><p>A <strong>SOLVER Soluciones Hipotecarias<\/strong>, ens comprometem a oferir un servei d&#8217;intermediaci\u00f3 financera transparent i honest. Mitjan\u00e7ant aquest document, informem els nostres clients sobre les nostres normes de transpar\u00e8ncia en la contractaci\u00f3 de serveis financers. <\/p><p>De vegades, \u00fanicament oferirem serveis de mediaci\u00f3 per a la contractaci\u00f3 de cr\u00e8dits hipotecaris. En aquests casos, sempre ens assegurem que l&#8217;entitat que ofereix el cr\u00e8dit estigui adherida al <strong>Codi Europeu de Conducta<\/strong>, garantint aix\u00ed la m\u00e0xima seguretat i protecci\u00f3 per als nostres clients. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ecd271 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7ecd271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02e9d51 elementor-widget elementor-widget-text-editor\" data-id=\"02e9d51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Drets dels nostres clients<\/strong><\/p><p>A <strong>SOLVER Soluciones Hipotecarias<\/strong>, vetllem pel compliment dels drets dels nostres clients, els qui tenen garantit el seg\u00fcent:<\/p><ul><li>Rebre una c\u00f2pia del contracte signat amb el nostre intermediari financer.<\/li><li>Tenir acc\u00e9s a les nostres tarifes de manera clara i transparent.<\/li><li>Obtenir la <strong>Fitxa Europea d&#8217;Informaci\u00f3 Normalitzada (FEIN)<\/strong> i la <strong>Fitxa d&#8217;Avertiments Estandarditzats (FiAE)<\/strong> quan contractin un cr\u00e8dit o pr\u00e9stec hipotecari amb nosaltres com a intermediaris.<\/li><li>Ser informats de les condicions generals establertes a la contractaci\u00f3 i de les nostres normes de transpar\u00e8ncia.<\/li><li>Rebre detalls sobre qualsevol vinculaci\u00f3 contractual amb entitats de cr\u00e8dit, quan pertoqui.<\/li><li>Con\u00e8ixer per endavant els honoraris, tarifes, despeses i suplerts que puguin derivar-se de la contractaci\u00f3 dels nostres serveis.<\/li><li>Obtenir informaci\u00f3 detallada sobre els serveis contractats, ja siguin de mediaci\u00f3, assessorament o altres.<\/li><li>Comptar amb una <strong>asseguran\u00e7a de responsabilitat civil professional<\/strong> o aval bancari que cobreixi possibles responsabilitats derivades de neglig\u00e8ncies professionals. Actualment tenim una p\u00f2lissa amb<strong> Occident (n\u00fam. 8-10.872.809-T)<\/strong>, amb una cobertura de fins a <strong>460.000 \u20ac<\/strong>. <\/li><li>Con\u00e8ixer el preu total dels serveis contractats, incloent-hi comissions i despeses derivades.<\/li><li>Tenir acc\u00e9s al procediment de resoluci\u00f3 de queixes i reclamacions a la nostra p\u00e0gina web <a href=\"http:\/\/www.solversh.es\/\">Solversh<\/a>.<\/li><li>Formalitzar el contracte d&#8217;intermediaci\u00f3 financera a l&#8217;idioma que prefereixin: catal\u00e0, castell\u00e0 o angl\u00e8s.<\/li><\/ul><p><strong>Dret de desistiment<\/strong>:<br>Els nostres clients tenen dret a desistir del contracte dins dels <strong>14 dies naturals posteriors a la signatura<\/strong>, sense necessitat de justificaci\u00f3 ni penalitzaci\u00f3. Per aix\u00f2, podeu enviar el requeriment corresponent al nostre correu electr\u00f2nic <strong>info@solversh.es<\/strong> o a la nostra adre\u00e7a postal: <br><strong>C\/ Doedes 74 Local, 08350 Arenys de mar.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77e98dd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"77e98dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c92fe1 elementor-widget elementor-widget-text-editor\" data-id=\"7c92fe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Protecci\u00f3 al client<\/strong><\/p><p>Ens regim per les normatives vigents en mat\u00e8ria de protecci\u00f3 al consumidor i transpar\u00e8ncia financera. Algunes de les principals lleis que protegeixen els nostres clients s\u00f3n: <\/p><ul><li><strong>Llei General per a la Defensa dels Consumidors i Usuaris<\/strong> (Reial Decret Legislatiu 1\/2007).<\/li><li><strong>Llei de contractes de cr\u00e8dit al consum<\/strong> (Llei 16\/2011).<\/li><li><strong>Llei de contractes de cr\u00e8dit immobiliari<\/strong> (Llei 5\/2019).<\/li><li><strong>Reglament General de Protecci\u00f3 de Dades (RGPD)<\/strong> (Reglament UE 2016\/679).<\/li><\/ul><p>Per obtenir m\u00e9s informaci\u00f3 sobre la normativa que empara els nostres serveis, podeu consultar l&#8217;apartat de protecci\u00f3 a la nostra p\u00e0gina web.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bee8694 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bee8694\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15168f0 elementor-widget elementor-widget-text-editor\" data-id=\"15168f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Honoraris i tarifes<\/strong><\/p><p>Els nostres honoraris d&#8217;intermediaci\u00f3 sempre seran acordats per escrit abans d&#8217;iniciar qualsevol tr\u00e0mit i mai no excediran els percentatges seg\u00fcents:<\/p><ul><li><strong>Consolidaci\u00f3 de deute:<\/strong> Honoraris m\u00e0xims del <strong>3 al 10%<\/strong> del capital concedit (m\u00ednim 5.000 \u20ac per a pr\u00e9stecs hipotecaris menors de 80.000 \u20ac).<\/li><li><strong>Finan\u00e7ament per a compravenda d&#8217;immobles:<\/strong> Honoraris m\u00e0xims del <strong>3 al 10%<\/strong> del capital concedit (m\u00ednim 5.000 \u20ac per a pr\u00e9stecs hipotecaris menors de 80.000 \u20ac).<\/li><li><strong>Mediaci\u00f3 en pr\u00e9stecs personals sense garantia hipotec\u00e0ria:<\/strong> Honoraris m\u00e0xims del <strong>10%<\/strong> del capital obtingut.<\/li><li><strong>Finan\u00e7ament per a inversions empresarials:<\/strong> Honoraris m\u00e0xims del <strong>3 al 10%<\/strong> del capital concedit (m\u00ednim 5.000 \u20ac per a pr\u00e9stecs hipotecaris menors de 80.000 \u20ac).<\/li><\/ul><p>Els nostres honoraris es cobraran \u00fanicament en el moment de la formalitzaci\u00f3 del cr\u00e8dit, sense requerir pagaments anticipats. Els serveis d&#8217;intermediaci\u00f3 estan exempts d&#8217;<strong>IVA<\/strong>. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368a11b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"368a11b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1850def elementor-widget elementor-widget-text-editor\" data-id=\"1850def\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Despeses associades<\/strong><\/p><p>A continuaci\u00f3, es detallen les despeses derivades de la contractaci\u00f3 dels nostres serveis:<\/p><ul><li><strong>Nota simple<\/strong>: 25 \u20ac<\/li><li><strong>Taxaci\u00f3 d&#8217;immobles:<\/strong> Entre 300\u20ac i 1.000\u20ac, segons el valor taxat.<\/li><li><strong>Preparaci\u00f3 d&#8217;expedients de cr\u00e8dit:<\/strong> 50\u20ac<\/li><li><strong>Acc\u00e9s a registres de morositat:<\/strong> 50 \u20ac<\/li><li><strong>Estudi de viabilitat:<\/strong> Sense cost addicional (0\u20ac).<\/li><\/ul><p>Totes les despeses seran degudament pressupostades i formalitzades abans de la seva acceptaci\u00f3, garantint aix\u00ed la transpar\u00e8ncia i l&#8217;abs\u00e8ncia de costos ocults.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Les nostres normes de transpar\u00e8ncia A SOLVER Soluciones Hipotecarias, ens comprometem a oferir un servei d&#8217;intermediaci\u00f3 financera transparent i honest. Mitjan\u00e7ant aquest document, informem els nostres clients sobre les nostres normes de transpar\u00e8ncia en la contractaci\u00f3 de serveis financers. De vegades, \u00fanicament oferirem serveis de mediaci\u00f3 per a la contractaci\u00f3 de cr\u00e8dits hipotecaris. En aquests [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-972","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transpar\u00e8ncia i tarifes - Hipotecaria personalizada en Girona - Solver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solversh.es\/ca\/transparencia-i-tarifes\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transpar\u00e8ncia i tarifes - Hipotecaria personalizada en Girona - Solver\" \/>\n<meta property=\"og:description\" content=\"Les nostres normes de transpar\u00e8ncia A SOLVER Soluciones Hipotecarias, ens comprometem a oferir un servei d&#8217;intermediaci\u00f3 financera transparent i honest. 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