FAQ
Frequently asked questions
Useful to know before purchasing a Ratio report: scope, methodology, pricing, delivery times and regulatory aspects.
Product
What does a Ratio Property Plan include?
An individual report on a specific property: market analysis, SERPAVI comparison, operating yield, leveraged scenarios, neighbourhood positioning and alerts. PDF delivery, available 24 months in the client area.
Does it work for any property in Spain?
Yes, as long as a valid cadastral reference exists and the property is on Spanish territory subject to the national Cadastre.
What's the difference with Portfolio Review or Wealth Plan?
Property Plan is per-asset analysis. Portfolio Review reviews an existing portfolio (coming soon). Wealth Plan is integral wealth planning (product vision, not yet available).
Methodology
Where does the data come from?
Official public sources: Cadastre, INE, SERPAVI, Idealista for market prices where applicable. Assumptions are made explicit in every report.
Who validates the model?
The model is developed and maintained by Ratio Planning. Each report documents inputs and assumed ranges.
How is the leveraged scenario calculated?
Default market conditions (typical LTV, term and rate) adjusted to client-declared inputs. The report shows IRR, net cash flow and break-even.
Pricing and delivery
How much does it cost?
Ratio Property Plan has a fixed price of €90 VAT included per report. No monthly fees, no commissions per transaction.
How long does delivery take?
The report is generated automatically after payment confirmation, usually within minutes. We reserve up to 48 working hours in case it requires additional review.
Refunds if I'm not happy with the report?
Yes: if the report does not deliver what its product sheet describes or has material errors attributable to Ratio, full refund.
Comparisons
How is this different from private banking?
Private banking starts above most professionals' wealth threshold and focuses on discretionary portfolio management. Ratio is per-report quantitative analysis with no asset management or recurring fees.
How is this different from a robo-advisor?
Robo-advisors build generic ETF portfolios from a risk questionnaire. Ratio answers a specific wealth decision with quantitative criteria on the particular asset.
How is this different from a real-estate agency?
An agency has a sales incentive. Ratio takes no part in the transaction, charges no commission and receives no kickbacks. A negative verdict is worth exactly the same as a positive one.
Regulatory & data
Is this financial advice?
No. Ratio Planning provides quantitative analysis. It does not constitute investment advice under Directive 2014/65/EU (MiFID II) nor a personalised recommendation.
How do you handle my data?
In line with GDPR and our privacy policy. Data is not shared with third parties for commercial purposes.
Who has access to my report?
Only the client and the Ratio Planning team under confidentiality. Available in the client area for 24 months.