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The Directorate General for Legal Certainty and Public Faith has approved the loan agreement template with identification letters 'AC-A' for use by Banco Bilbao Vizcaya Argentaria, SA (BBVA). This template is specifically designed to finance the purchase of goods at fixed interest rates and includes annexes regarding the amortisation schedule, SEPA direct debit mandate, and data protection policies (Resolution of 1 June 2026).
For BBVA customers applying for fixed-rate financing for the purchase of goods, this template establishes the contractual framework and the data protection and amortisation annexes that will govern the transaction. It does not represent a general regulatory change, but rather the validation of a specific contractual model for this banking institution.
The tax team reviews your specific situation.
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