Terms & Conditions

1. Who we are

REFIBU offers temporary sales of properties, vehicles and valuables with a contractual buyback option. We are not a bank or mortgage institution – our model is an alternative to traditional loans.

2. How it works

You temporarily sell to REFIBU and immediately receive a portion of the value.

You retain the legal right to buy back the asset within the agreed period.

The period is determined individually (typically 6–24 months).

3. Offer and payout

Offers are based on documentation, condition, and market value.

The payout typically amounts to 60–80% of the assessed value.

All terms and costs are provided in writing before you accept.

4. Customer obligations

You must provide accurate information and supply the necessary documents (e.g. property records, loans, registration papers).

The buyback must be completed within the agreed period.

5. If buyback does not occur

If you do not buy back the asset within the deadline, REFIBU may sell it on to a third party.

The liquidity already paid out remains yours.

6. Costs

There may be setup fees or appraisal costs.

All costs are clearly stated in the offer – no hidden fees.

7. Confidentiality and data

REFIBU handles your information confidentially and in accordance with GDPR.

Data is only used for assessment and contract purposes.

8. Governing law

All agreements are entered into under Swedish law, and any disputes shall be settled before the Swedish courts.