{"id":36509,"date":"2025-07-28T12:43:27","date_gmt":"2025-07-28T10:43:27","guid":{"rendered":"https:\/\/mailcommsgroup.com\/?p=36509"},"modified":"2025-07-28T12:45:18","modified_gmt":"2025-07-28T10:45:18","slug":"mandatory-electronic-signature-mandatory-on-assessment-reports-from-12-august-onwards","status":"publish","type":"post","link":"https:\/\/mailcommsgroup.com\/en\/blog\/mandatory-electronic-signature-mandatory-on-assessment-reports-from-12-august-onwards\/","title":{"rendered":"Mandatory electronic signature in appraisal reports as of August 12: what the new regulations require and how to comply with them easily"},"content":{"rendered":"

[vc_row type=”grid” css=”.vc_custom_1547557263471{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][vc_column dp_animation=”” el_class=”El nuevo reglamento europeo obliga a recabar el consentimiento expl\u00edcito para el tratamiento de los datos de car\u00e1cter personal” font_color=”#81d742″][vc_single_image image=”36535″ img_size=”full” css=””][vc_raw_html css=””]PHN0eWxlPiAKCi5lbnRyeS1jb250ZW50IGEgeyBjb2xvcjogIzBmNjQ1Zjt9IAoKCjwvc3R5bGU+[\/vc_raw_html][\/vc_column][\/vc_row][vc_row type=”grid” css=”.vc_custom_1679050935288{margin-top: 0px !important;padding-top: 0px !important;}”][vc_column dp_animation=”” css=”.vc_custom_1547557427896{padding-top: 0px !important;}”][vc_empty_space height=”80px” css=”.vc_custom_1752828048392{margin-top: -70px !important;}”][vc_column_text css=”.vc_custom_1752828044570{padding-top: 50px !important;padding-right: 50px !important;padding-bottom: 50px !important;padding-left: 50px !important;background-color: #F2F2F2 !important;}” dp_animation=””]Table of Contents <\/strong><\/span><\/p>\n

    \n
  1. What does the new Order regulate?<\/a><\/li>\n
  2. Obligated parties: who must sign electronically?<\/a><\/li>\n
  3. How is an appraisal report prepared and who must sign it?<\/a><\/li>\n
  4. Who must electronically sign the report?<\/a><\/li>\n
  5. Why is the electronic signature so relevant?<\/a><\/li>\n
  6. How can we help you?<\/a><\/li>\n
  7. Conclusion<\/a><\/li>\n<\/ol>\n

    [\/vc_column_text][vc_empty_space height=”80px” css=”.vc_custom_1752828048392{margin-top: -70px !important;}”][vc_column_text css=”” dp_animation=””]Last June 12, Order ECM\/599\/2025 was published in the BOE, a key regulation for the real estate and financial sector that introduces a relevant change: the electronic signature becomes mandatory in all appraisal reports for financial purposes. This new requirement, which comes into force on August 12, 2025, reinforces the integrity, traceability and legal reliability of valuation documents.[\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828050897{margin-top: -100px !important;}” el_id=”uno”][vc_column_text css=”.vc_custom_1752743411360{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

    What does the new Order regulate?<\/strong><\/span><\/h2>\n

    [\/vc_column_text][vc_column_text css=”” dp_animation=””]Order ECM\/599\/2025 amends the already known Order ECO\/805\/2003, establishing valuation rules for real estate and certain real rights. These reports are essential when used as: <\/p>\n

      \n
    • Mortgage guarantee on credits and loans.<\/li>\n
    • Basis for determining the fair value of insurance and reinsurance assets.<\/li>\n
    • Reference for calculating the net worth of pension funds or collective real estate investments.<\/li>\n
    • With this amendment, appraisal reports will have to incorporate a clearer structure, elements of sustainability and, above all, guarantee the mandatory electronic signature of all professionals involved in their preparation.<\/li>\n<\/ul>\n

      [\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828054908{margin-top: -100px !important;}” el_id=”dos”][vc_column_text css=”.vc_custom_1752743491582{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

      Obligated parties: who must sign electronically?<\/strong><\/span><\/h2>\n

      [\/vc_column_text][vc_column_text css=”” dp_animation=””]The standard requires all professionals and entities involved in the preparation, review and validation of the appraisal report to sign it by means of a qualified or advanced electronic signature. This affects both: <\/p>\n

        \n
      • Individuals: individual appraisers, technical architects, quantity surveyors, etc.<\/li>\n
      • Legal entities: appraisal companies, collaborating entities and financial entities with appraisal capacity.<\/li>\n<\/ul>\n

        [\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828060444{margin-top: -100px !important;}” el_id=”tres”][vc_column_text css=”.vc_custom_1752743576029{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

        How is an appraisal report prepared and who must sign it?<\/strong><\/span><\/h2>\n

        [\/vc_column_text][vc_column_text css=”” dp_animation=””]The process of preparing a real estate appraisal report is rigorous and structured. This document is the basis for many financial decisions, so its development involves different professional profiles, all of them now obliged to sign electronically. <\/p>\n

        Usual flow in the preparation of the appraisal report:<\/p>\n

        \"Typical<\/p>\n

          \n
        1. Request for appraisal<\/strong>
          A client (financial institution, insurance company, developer, individual…) requests an appraisal from an approved appraisal company.<\/li>\n
        2. Assignment of the appraiser<\/strong>
          The company appoints a competent professional (architect, technical architect, engineer, etc.) to visit and appraise the property.<\/li>\n
        3. Technical inspection and data collection<\/strong>
          The technician makes a physical visit to the property, takes measurements, reviews the registry and cadastral documentation, and analyzes the environment.<\/li>\n
        4. Comparative analysis and valuation<\/strong>
          Recognized valuation methods are applied (comparative, cost, rental updating, residual…), according to the type of property and purpose.<\/li>\n
        5. Drafting of the report<\/strong>
          The appraiser drafts the report in accordance with the technical and legal criteria established in Order ECO\/805\/2003, including annexes and plans.<\/li>\n
        6. Technical review<\/strong>
          A second professional from the appraisal company (usually a reviewer or supervisor) verifies that the report complies with the regulations.<\/li>\n
        7. Final validation<\/strong>
          A third person, often a responsible technician appointed by the appraisal company, gives the final approval to the document.<\/li>\n<\/ol>\n

          [\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828065275{margin-top: -100px !important;}” el_id=”cuatro”][vc_column_text css=”.vc_custom_1752744188370{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

          Who must electronically sign the report?<\/strong><\/span><\/h2>\n

          [\/vc_column_text][vc_column_text css=”” dp_animation=””]With the entry into force of Order ECM\/599\/2025, all professionals substantively involved in the document must sign it electronically. These are usually: <\/p>\n

            \n
          • The appraiser drafting the report.<\/li>\n
          • The technical reviewer.<\/li>\n
          • The appraiser or final technical manager of the appraisal company.<\/li>\n<\/ul>\n

            In many cases, the final report may take up to three electronic signatures, implying the need for a clear, agile and legally robust signature flow.[\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828069849{margin-top: -100px !important;}” el_id=”cinco”][vc_column_text css=”.vc_custom_1752744252652{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

            Why is the electronic signature so relevant?<\/strong><\/span><\/h2>\n

            [\/vc_column_text][vc_column_text css=”” dp_animation=””]The regulations require documents to be electronically signed in a manner that ensures:<\/p>\n

              \n
            • Authenticity: it is possible to verify who has signed.<\/li>\n
            • Integrity: the content cannot be modified after signing.<\/li>\n
            • Traceability: there is a certified digital record of the process.<\/li>\n<\/ul>\n

              In addition, appraisal companies are required to implement technical procedures to ensure that documents are not altered once signed and that they can be retained with legal guarantees. This raises the technical requirements and makes electronic signatures with certified custody an indispensable solution. <\/p>\n

              \"Why[\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828080410{margin-top: -100px !important;}” el_id=”seis”][vc_column_text css=”.vc_custom_1752744383035{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

              How can we help you?<\/strong><\/span><\/h2>\n

              [\/vc_column_text][vc_column_text css=”” dp_animation=””]We are qualified providers of trust services qualified in certified electronic delivery, which allows us to offer you solutions that not only comply with the law, but also make its implementation as easy as possible. Our multichannel electronic signature platform allows: <\/p>\n

              \u2705 Sign appraisal reports from any device, without software installation.<\/p>\n

              \u2705 Send signature requests through multiple channels: Email, SMS, WhatsApp, RCS (Rich Communication Services).<\/p>\n

              \u2705 Certified custody of the signed document, guaranteeing that the content has not been modified, even years after its issuance.<\/p>\n

              \u2705 Easy integration with the internal flows of appraisal companies and financial institutions.<\/p>\n

              \u2705 Full compliance with the eIDAS Regulation and the technical and legal requirements of Order ECM\/599\/2025.[\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1752828088434{margin-top: -100px !important;}” el_id=”siete”][vc_column_text css=”.vc_custom_1752744549122{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}” dp_animation=””]<\/p>\n

              Conclusion<\/strong><\/span><\/h2>\n

              [\/vc_column_text][vc_column_text css=”” dp_animation=””]The entry into force of this regulation marks a milestone in the digitization of the real estate valuation industry. Although it implies new obligations, it also represents a great opportunity to optimize processes, improve customer experience and ensure regulatory compliance. <\/p>\n

              If you are an appraisal company, industry professional or financial institution, having an agile, legally robust and multichannel electronic signature solution is the easiest way to comply with this new regulation without friction.[\/vc_column_text][vc_empty_space height=”110px” css=”.vc_custom_1744642446557{margin-top: -100px !important;}”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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