ManagoraMANAGORA
ESEN

Assignment of debts agreement (cesión de créditos)

Assignment of debts agreement (cesión de créditos) is filed with Documento privado entre partes (notario si hipotecario) + AEAT/CCAA (modelo 600). With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. Estimated total cost: from €29. Official tasa (government fee): ITP/AJD of 0,5-1,5 % depending on the nature of the debt and the CCAA (autonomous region). Mortgage-backed: AJD is compulsory, plus registration at the Land Registry.

We draft your assignment of debts agreement (cesión de créditos, arts. 1526-1536 CC, the Spanish Civil Code) in each of its forms: ordinary, pro solvendo (with a guarantee of the debtor's solvency), pro soluto, mortgage-backed (art. 149 LH, which requires a public deed), secured by a pledge, or factoring. We check the key requirements: notice to the debtor (art. 1527 CC), the assignor's liability being limited to the existence and legitimacy of the debt (art. 1529, unless otherwise agreed), the debtor's 9-day right of redemption where the debt is in litigation (art. 1535) and the form required depending on the security. We calculate the ITP/AJD (transfer tax and stamp duty) payable.

Start this procedure →See all procedures
Estimated total cost
from €29
Managora's fee
€35.09 (21% VAT incl.)
Tasa (official government fee)
ITP/AJD of 0,5-1,5 % depending on the nature of the debt and the CCAA (autonomous region). Mortgage-backed: AJD is compulsory, plus registration at the Land Registry. (suplido: paid to the authority on your behalf, no VAT)
Processing time
Immediate signature plus notice to the debtor. ITP: 30 days. For a mortgage-backed debt: the notary plus the Land Registry, 4-8 weeks.
Where it is filed
Documento privado entre partes (notario si hipotecario) + AEAT/CCAA (modelo 600) ↗
What you receive
Application

Cost breakdown: Our fee 29 €. ITP/AJD of 0,5 to 1,5 %, varying with the nature of the debt and the autonomous region. An assignment of a mortgage-backed debt requires a deed and registration at the Registro de la Propiedad (Land Registry), payable by you..

Assignment of debts agreement (cesión de créditos): how is it filed?

  1. 1Answer the questions in the chat (around 10 minutes).
  2. 2We identify the type of assignment and check: the form required, notice to the debtor, and whether the debt is in litigation (a 9-day right of redemption).
  3. 3We calculate the ITP/AJD for your CCAA, plus the notary and registry costs if the debt is mortgage-backed.
  4. 4Payment of 29 € for our fee, plus around 80-350 € for the notary depending on the type, plus 200 € for the registry if the debt is mortgage-backed, plus ITP/AJD.
  5. 5Sign the mandate from your mobile.
  6. 6We draft the full contract or deed for you, with clauses on the guarantees, the dates and the notice.
  7. 7For a mortgage-backed debt: the notary appointment plus registration at the Land Registry.
  8. 8We arrange formal notice to the debtor (essential, art. 1527 CC).
  9. 9We file the modelo 600 for ITP/AJD with the CCAA within 30 days.

Which documents do you need?

  • •DNI / NIE (identity numbers) of the assignor, the assignee and the debtor.
  • •Documents evidencing the debt: the original contract, invoices, a final judgment if there is one, an accounting certificate.
  • •For a mortgage-backed debt: the nota simple registral (Land Registry extract) for the property plus the mortgage deed.
  • •If the debt is in litigation: a copy of the court proceedings.
  • •Evidence that the debtor has been notified (a burofax (recorded delivery letter) with proof of receipt, or a notarial demand).

Legal basis and things to bear in mind

  • Legal framework: arts. 1526-1536 CC plus LH art. 149 (mortgage-backed) plus the LITP-AJD plus Supreme Court case law.
  • Notice to the debtor (art. 1527 CC): ESSENTIAL for the assignment to be enforceable against the debtor. Without notice, payment to the assignor discharges the debtor's obligation.
  • The assignor's guarantees (art. 1529 CC): the assignor is liable for the existence and legitimacy of the debt UNLESS OTHERWISE AGREED. They are NOT liable for the debtor's solvency, unless expressly agreed or unless the insolvency is public knowledge.
  • Debt in litigation (art. 1535 CC): the debtor has a RIGHT OF REDEMPTION for 9 days from the demand. They may extinguish the debt by paying the assignee the price plus interest plus costs.
  • Mortgage-backed debt: art. 149 LH requires a public deed and registration at the Land Registry. An unregistered assignment is not enforceable against a third party who acquires the property.
  • ITP/AJD: generally 1 % of the assignment price. AJD is compulsory where the deed is registrable (mortgage-backed).
  • Factoring: the assignment of multiple debts to a financial institution. It has its own IVA (VAT) and financial regime.
  • Natural connections: cancelacion_hipoteca_rp, novacion_hipoteca_rp, monitorio (if the assignee wants to claim against the debtor) (challenge).

Assignment of debts agreement (cesión de créditos): frequently asked questions

Assignment of debts agreement (cesión de créditos): how much does it cost?

The estimated total cost (our fee + official tasas and taxes) is from €29: Our fee 29 €. ITP/AJD of 0,5 to 1,5 %, varying with the nature of the debt and the autonomous region. An assignment of a mortgage-backed debt requires a deed and registration at the Registro de la Propiedad (Land Registry), payable by you.. Managora's fee is €35.09, 21% VAT included (€29.00 net + €6.09 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: ITP/AJD of 0,5-1,5 % depending on the nature of the debt and the CCAA (autonomous region). Mortgage-backed: AJD is compulsory, plus registration at the Land Registry..

Assignment of debts agreement (cesión de créditos): how long does it take?

Immediate signature plus notice to the debtor. ITP: 30 days. For a mortgage-backed debt: the notary plus the Land Registry, 4-8 weeks.

Assignment of debts agreement (cesión de créditos): which documents do I need?

You need to have to hand: DNI / NIE (identity numbers) of the assignor, the assignee and the debtor., Documents evidencing the debt: the original contract, invoices, a final judgment if there is one, an accounting certificate., For a mortgage-backed debt: the nota simple registral (Land Registry extract) for the property plus the mortgage deed., If the debt is in litigation: a copy of the court proceedings., Evidence that the debtor has been notified (a burofax (recorded delivery letter) with proof of receipt, or a notarial demand).. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Documento privado entre partes (notario si hipotecario) + AEAT/CCAA (modelo 600). You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Documento privado entre partes (notario si hipotecario) + AEAT/CCAA (modelo 600) ↗.

Shall we get started with «Assignment of debts agreement (cesión de créditos)»?

We file it for you, from start to finish.

Start now →