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