Guides to investing in discounted debt
Everything you need to know about NPLs, judicial auctions, foreclosure assignments and mortgage debt. Written without jargon.
Investing in discounted property in Spain
The four routes to invest in discounted property in Spain: judicial auctions, bank-owned flats, foreclosed homes and discounted debt (NPLs).Buying NPLs in Spain as a private investor
How to buy NPLs in Spain as a private investor: where unpaid bank debt is sold (portfolios, judicial auctions, remate assignments) and how to find deals.Buy the debt or buy the flat? What changes for the investor
Buying a non-performing loan (NPL) or buying the property at auction or from a bank: what you acquire in each case, the risks you take, the capital you need and the timing.How to buy a flat at a judicial auction
How to buy a flat at a judicial auction in Spain step by step: the BOE auction portal, the deposit, the bid, the award and the charges to review.Spain auction reform 2025: what changed
What the 2025 reform changed in Spanish judicial auctions: a 20 per cent deposit, twenty days to pay and secret bidding, each with its article.How to bid on Spain's BOE auction portal
How to bid in a BOE auction step by step: sign up with a digital certificate or Cl@ve, deposit, bid, reserve your bid, get the deposit back and what happens at closing.Auction with no bidders in Spain: what happens
What happens when a Spanish judicial auction gets no bids under article 671 LEC: the regime since the 2025 reform and the 50, 60 and 70 per cent rules before it.Charges in a Spanish auction: which survive and which go
How to tell whether a Spanish auction property has charges: the certificate of title and charges, which prior charges survive, which are cancelled and how to read it.Notarial vs judicial auctions in Spain
Notarial or non-judicial auctions in Spain: what bidding costs, how the notarial mortgage auction works and how it differs from a judicial one on deposit, deadlines and bids.Spanish Tax Agency and Social Security auctions
How Spanish Tax Agency and Social Security auctions work: deposit, bidding, direct award and charges, and how they differ from a judicial auction.Buying an occupied flat at auction
What happens if the flat you buy at a Spanish auction is occupied: eviction, deadlines, the one year clock of article 675.2 LEC and the tenant who stays.How much money a Spanish auction needs
How much money you need to invest in Spanish judicial auctions: deposit, balance, taxes and charges, with the full breakdown and a worked example.Costs, taxes and charges: judicial auction
What you really pay when buying at a judicial auction: transfer tax or VAT, registry and notary fees, and the charges you inherit, with an example.Bank-owned flats in Spain: how to invest
What bank-owned flats are, why they sell at a discount, where to find them and how they compare with buying at auction or via NPL. Pros, cons and real risks.Bank auctions in Spain: what they are and how to buy
What lies behind bank auctions, bank repossessions and bank sales in Spain: judicial or notarial auction, bank-owned flats, remate assignment and buying the debt.Buying a foreclosed home in Spain
What a foreclosed home is, how it differs from a bank-owned flat or an auction, how to buy one and what risks it carries: charges and delays.What is an NPL and how to invest in one
An NPL is an unpaid loan that the bank sells at a discount. Learn what it is, why banks sell them and how a private investor can buy discounted debt.Cesión de remate: how it works in Spain
What cesión de remate is after the 2025 reform, who can assign the winning bid and how it is formalised: an auction property without bidding yourself.Litigious credit redemption: article 1535 of the Civil Code
What litigious credit redemption under article 1535 of the Spanish Civil Code is: when a claim is litigious, what the debtor pays, the nine day window and the exceptions.Buying mortgage debt in Spain: how it works and the risks
Buying mortgage debt in Spain: what you acquire when you take over an unpaid loan at a discount, how the collateral is valued, how enforcement works and the risks you assume.Buying debt portfolios: how the funds invest
How funds buy NPL portfolios from the banks, how the lots are valued and how a private investor can reach individual deals at a real discount.Returns and risks of discounted debt
The potential return of discounted debt and the risks you take on: court timelines, collateral value, occupancy and how to analyse a deal first.