Real Estate BOE Importance: 5/10

The registrar may refuse to register the assignment of a mortgage if the credit buyer is not registered as a lender

01 Jul 2026 6 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.

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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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Full official title

Resolución de 23 de marzo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la negativa del registrador de la propiedad accidental de Barcelona n.º 14 a practicar la inscripción de una cesión de crédito hipotecario.

View original source (BOE)

Affected sectors

SMEs Technology

Categories

Tax & Revenue Labour & Employment Corporate & Business Data Protection Social Security European Regulations Grants & Subsidies Other Regulations Public Sector Education Energy Agriculture & Fisheries Real Estate

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