The registrar may refuse to register the assignment of a mortgage if the credit buyer is not registered as a lender
01 Jul 202660 views
Who is affected:
Funds and companies that purchase mortgage loans on consumer residential properties
Summary
The General Directorate resolves that whoever purchases mortgage loans from consumers must be registered in the lender registry of the Bank of Spain. Without this requirement, the registrar may refuse registration.
Detailed analysis
PRO
The DGSJFP confirms that the assignment of a mortgage loan on residential property to a non-banking entity requires that the assignee meets the same requirements as an original lender, including registration in the Bank of Spain registry provided for in art. 42 of Law 5/2019. The Barcelona registrar correctly refused r…
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