{"id":36509,"date":"2025-07-28T12:43:27","date_gmt":"2025-07-28T10:43:27","guid":{"rendered":"https:\/\/mailcommsgroup.com\/?p=36509"},"modified":"2026-06-24T12:04:55","modified_gmt":"2026-06-24T10:04:55","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":"Electronic Signatures Required for Appraisal Reports Starting August 12: What Order ECM\/599\/2025 Requires and How to Comply"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1547557263471{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; el_class=&#8221;El nuevo reglamento europeo obliga a recabar el consentimiento expl\u00edcito para el tratamiento de los datos de car\u00e1cter personal&#8221; font_color=&#8221;#81d742&#8243;][vc_single_image image=&#8221;36536&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1679050935288{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; css=&#8221;.vc_custom_1547557427896{padding-top: 0px !important;}&#8221;][vc_empty_space height=&#8221;80px&#8221; css=&#8221;.vc_custom_1752828048392{margin-top: -70px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1782295035975{padding-top: 50px !important;padding-right: 50px !important;padding-bottom: 50px !important;padding-left: 50px !important;background-color: #F2F2F2 !important;}&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-size: 20px;\"><strong>Table of Contents  <\/strong><\/span><\/p>\n<ol>\n<li><a href=\"#uno\">What does the new Order regulate?<\/a><\/li>\n<li><a href=\"#dos\">Obligated parties: who must sign electronically?<\/a><\/li>\n<li><a href=\"#tres\">How is an appraisal report prepared and who must sign it?<\/a><\/li>\n<li><a href=\"#cuatro\">Who must electronically sign the report?<\/a><\/li>\n<li><a href=\"#cinco\">Why is the electronic signature so relevant?<\/a><\/li>\n<li><a href=\"#seis\">How can we help you?<\/a><\/li>\n<li><a href=\"#siete\">Conclusion<\/a><\/li>\n<li><a href=\"#ocho\">Frequently Asked Questions<\/a><\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;80px&#8221; css=&#8221;.vc_custom_1752828048392{margin-top: -70px !important;}&#8221;][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]On June 12, Order ECM\/599\/2025 was published in the Official State Gazette (BOE), a key regulation for the real estate and financial sectors that introduces a significant change: <strong>electronic signatures are now mandatory for all appraisal reports prepared for financial purposes.<\/strong> This new requirement, which takes effect on August 12, 2025, strengthens the integrity, traceability, and legal reliability of appraisal documents.[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828050897{margin-top: -100px !important;}&#8221; el_id=&#8221;uno&#8221;][vc_column_text css=&#8221;.vc_custom_1752743411360{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>What does the new Order regulate?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]Order ECM\/599\/2025 amends the well-known Order ECO\/805\/2003, establishing valuation rules for real estate and certain real rights.  <strong>These reports are essential when used as:<\/strong><\/p>\n<ul>\n<li>Mortgage guarantee on credits and loans.<\/li>\n<li>Basis for determining the fair value of insurance and reinsurance assets.<\/li>\n<li>Reference for calculating the net worth of pension funds or collective real estate investments.<\/li>\n<\/ul>\n<p>With this amendment, <strong>appraisal reports must have a clearer structure, include sustainability elements, and<\/strong>, above all, <strong>ensure<\/strong> that all professionals involved in their preparation provide <strong>a mandatory electronic signature<\/strong>.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 30%;\">Key Fact<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 70%;\">Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Published Regulation<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Order ECM\/599\/2025 (Official State Gazette, June 12, 2025)<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Regulation amending<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Order ECO\/805\/2003 (regulations on the valuation of real estate)<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Effective Date<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">August 12, 2025<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Primary Requirement<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Electronic signatures are required on all appraisal reports prepared for financial purposes<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Required Signature Type<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified or advanced electronic signature (depending on the signer&#8217;s profile)<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Regulated Entities<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Appraisers, technical reviewers, final validators, and appraisal firms<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Scope of Application<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Appraisals used as mortgage collateral, valuation of assets held by insurance companies and pension\/investment funds<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828054908{margin-top: -100px !important;}&#8221; el_id=&#8221;dos&#8221;][vc_column_text css=&#8221;.vc_custom_1752743491582{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Obligated parties: who must sign electronically?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]The regulation requires that <strong>all professionals and entities involved in the preparation, review, and validation of the appraisal report sign it<\/strong> using a qualified or advanced electronic signature. This applies to both: <\/p>\n<ul>\n<li>Individuals: individual appraisers, technical architects, quantity surveyors, etc.<\/li>\n<li>Legal entities: appraisal companies, collaborating entities and financial entities with appraisal capacity.<\/li>\n<\/ul>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Signatory Profile<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Role in the process<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Recommended signature type<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 26%;\">Note<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Appraiser and Reporter<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Prepares and signs the main report<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified electronic signature (QES)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Highest level of legal assurance \u2014 equivalent to a handwritten signature under eIDAS<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Technical Reviewer<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Verifies the report\u2019s compliance with regulations<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified or advanced electronic signature (QES)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Depends on the level of responsibility assumed in the process<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Validator \/ Technical Lead<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Approves and definitively validates the report<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified Electronic Signature (QES)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">When assuming final responsibility, a qualified signature is recommended<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Appraisal firm (legal entity)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Institutional signature on the document<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified electronic seal<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">For legal entities, the equivalent of a qualified signature is a qualified electronic seal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828060444{margin-top: -100px !important;}&#8221; el_id=&#8221;tres&#8221;][vc_column_text css=&#8221;.vc_custom_1752743576029{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>How is an appraisal report prepared and who must sign it?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]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<p>Usual flow in the preparation of the appraisal report:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-36519 aligncenter\" title=\"flow-elaboration-report-assessment\" src=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-scaled.png\" alt=\"Typical flow in the preparation of the appraisal report\" width=\"2560\" height=\"927\" srcset=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-scaled.png 2560w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-300x109.png 300w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-1024x371.png 1024w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-768x278.png 768w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-1536x556.png 1536w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/flujo-elaboracion-informe-tasacion-2048x741.png 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<ol>\n<li><strong>Appraisal request<\/strong><br \/>\n A client (financial institution, insurance company, developer, individual\u2026) requests an appraisal from an approved appraisal company.<\/li>\n<li><strong>Appointment of the Appraiser<\/strong><br \/>\nThe company appoints a qualified professional (architect, technical architect, engineer, etc.) to inspect and appraise the property.<\/li>\n<li><strong>Technical inspection and data collection<\/strong><br \/>\nThe technician conducts an on-site visit to the property, takes measurements, reviews the registry and cadastral documentation, and assesses the surrounding area.<\/li>\n<li><strong>Comparative Analysis and Valuation<\/strong><br \/>\nRecognized valuation methods (comparable sales, cost, income capitalization, residual, etc.) are applied, depending on the type of property and its intended use.<\/li>\n<li><strong>Preparation of the Report<\/strong><br \/>\nThe appraiser prepares the report in accordance with the technical and legal criteria established in Order ECO\/805\/2003, including appendices and plans.<\/li>\n<li><strong>Technical review<\/strong><br \/>\n A second professional from the appraisal company (usually a reviewer or supervisor) verifies that the report complies with the regulations.<\/li>\n<li><strong>Final approval<\/strong><br \/>\nA third party\u2014often a technical expert appointed by the appraisal firm\u2014gives the final approval of the document.<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828065275{margin-top: -100px !important;}&#8221; el_id=&#8221;cuatro&#8221;][vc_column_text css=&#8221;.vc_custom_1752744188370{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Who must electronically sign the report?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]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<ul>\n<li>The <strong>appraiser<\/strong> who prepared the report.<\/li>\n<li>The technical <strong>reviewer<\/strong>.<\/li>\n<li>The <strong>validator or the appraisal firm&#8217;s chief technical officer<\/strong>.<\/li>\n<\/ul>\n<p>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.<\/p>\n<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Automate the lifecycle of your commercial agreements and drastically reduce the time it takes to finalize them<\/b> by implementing a comprehensive platform that unifies identity verification, consent, and deal closing through <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/en\/e-procurement\/\" target=\"_blank\" rel=\"noopener\">electronic contracting<\/a>.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828069849{margin-top: -100px !important;}&#8221; el_id=&#8221;cinco&#8221;][vc_column_text css=&#8221;.vc_custom_1752744252652{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Why is the electronic signature so relevant?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-weight: 400;\">A qualified electronic signature is the highest level recognized by the eIDAS Regulation: it has full legal equivalence to a handwritten signature throughout the EU and creates a presumption of the integrity of the document and the identity of the signatory without the need for a prior agreement between the parties.<\/span><\/p>\n<p>The regulations require documents to be electronically signed in a manner that ensures:<\/p>\n<ul>\n<li><strong>Authenticity:<\/strong> It is possible to verify who signed it.<\/li>\n<li><strong>Integrity:<\/strong> The content cannot be modified after signing.<\/li>\n<li><strong>Traceability:<\/strong> A certified digital record of the process is maintained.<\/li>\n<\/ul>\n<p>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<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Ensure the legal validity of your documents and transactions in the event of any future litigation<\/b> by entrusting your critical workflows to a technology partner backed by <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/en\/blog\/mailteck-and-customer-comms-qualified-by-the-ministry-in-preservation-of-signatures-and-electronic-stamps\/\" target=\"_blank\" rel=\"noopener\">Mailteck and Customer Comms, both of which are certified by the Ministry for the preservation of electronic signatures and seals<\/a>.<\/p>\n<table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 16px; color: #2c2c2c; margin-top: 20px; margin-bottom: 20px;\">\n<thead>\n<tr style=\"background-color: #47d7ac !important;\">\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Type of electronic signature<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 15%;\">eIDAS Level<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 23%;\">Legal validity<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 22%;\">Technical requirement<\/th>\n<th style=\"color: #ffffff !important; font-weight: bold; padding: 12px 14px; text-align: left; border: none; width: 18%;\">When to Use in Tax Assessments<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Simple electronic signature<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Basic Level<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Limited \u2014 no automatic presumption<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Only identifies the signer (e.g., clicking \u201cI accept\u201d)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Not recommended for appraisal reports for financial purposes<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Advanced Electronic Signature (AES)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Intermediate level<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">High \u2014 uniquely links the signer and detects tampering<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Personal digital certificate or advanced biometrics<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Valid for reviewers with secondary responsibility<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff; border-bottom: 1px solid #e5e5e5;\">\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified Electronic Signature (FEQ)<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Highest Level<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Maximum \u2014 equivalent to a handwritten signature throughout the EU under eIDAS<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Qualified certificate issued by a supervised PSCC<\/td>\n<td style=\"padding: 12px 14px; vertical-align: top; line-height: 1.4; text-align: left;\">Recommended for appraisers, drafters, and final validators<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36528 pd-t-10\" title=\"why-electronic-signature-is-so-relevant\" src=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente.webp\" alt=\"Why electronic signatures are so relevant\" width=\"892\" height=\"418\" srcset=\"https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente.webp 892w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente-300x141.webp 300w, https:\/\/mailcommsgroup.com\/wp-content\/uploads\/2025\/07\/quien-debe-firmar-electronicamente-768x360.webp 768w\" sizes=\"auto, (max-width: 892px) 100vw, 892px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828080410{margin-top: -100px !important;}&#8221; el_id=&#8221;seis&#8221;][vc_column_text css=&#8221;.vc_custom_1752744383035{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>How can we help you?<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]<span style=\"font-weight: 400;\">For an appraisal firm that produces a high volume of monthly reports, the signing workflow can involve up to three signatories per document, with tight deadlines and the need for long-term certified storage. Our platform automates this workflow: the report is sent sequentially to the appraiser, reviewer, and validator via their preferred channel (email, SMS, or WhatsApp), each signature is recorded with a timestamp, and the final document is stored with a guarantee of tamper-proof integrity in accordance with eIDAS and the requirements of Order ECM\/599\/2025. <\/span><\/p>\n<p><strong>We are qualified, trusted service providers specializing in certified electronic delivery<\/strong>, which allows us to offer you solutions that not only comply with the law but also make implementation as easy as possible. <strong>Our multi-channel electronic signature platform allows you to:<\/strong><\/p>\n<p>\u2705 Sign appraisal reports from any device, without software installation.<\/p>\n<p>\u2705 Send signature requests through multiple channels: Email, SMS, WhatsApp, RCS (Rich Communication Services).<\/p>\n<p>\u2705 Certified custody of the signed document, guaranteeing that the content has not been modified, even years after its issuance.<\/p>\n<p>\u2705 Easy integration with the internal flows of appraisal companies and financial institutions.<\/p>\n<p>\u2705 Full compliance with the eIDAS Regulation and the technical and legal requirements of Order ECM\/599\/2025.<\/p>\n<p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">Ensure maximum legal protection for your business agreements and client contracts<\/b> by using robust, traceable digital evidence\u2014which is only available through an advanced <a class=\"ng-star-inserted\" href=\"https:\/\/mailcommsgroup.com\/en\/e-procurement\/electronic-signature\/\" target=\"_blank\" rel=\"noopener\">electronic signature<\/a> solution.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;110px&#8221; css=&#8221;.vc_custom_1752828088434{margin-top: -100px !important;}&#8221; el_id=&#8221;siete&#8221;][vc_column_text css=&#8221;.vc_custom_1752744549122{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Conclusion<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; dp_animation=&#8221;&#8221;]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<p>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=&#8221;110px&#8221; css=&#8221;.vc_custom_1782295232942{margin-top: -100px !important;}&#8221; el_id=&#8221;ocho&#8221;][vc_column_text css=&#8221;.vc_custom_1782295055151{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #47d7ac !important;}&#8221; dp_animation=&#8221;&#8221;]<\/p>\n<h2 style=\"margin-top: 0;\"><span style=\"color: #000000;\"><strong>Frequently Asked Questions<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_toggle title=&#8221;What is Order ECM\/599\/2025, and who does it affect?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">Order ECM\/599\/2025, published in the Official State Gazette (BOE) on June 12, 2025, amends Order ECO\/805\/2003 on real estate appraisal standards. It requires that all appraisal reports for financial purposes\u2014used as mortgage collateral, for the valuation of insurance company assets, or as a reference for pension funds\u2014include a qualified or advanced electronic signature from all professionals involved. This applies to individual appraisers, technical reviewers, validators, and accredited appraisal firms.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What type of electronic signature do appraisal regulations require?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">Order ECM\/599\/2025 requires an electronic signature as defined by the eIDAS Regulation. To ensure maximum legal certainty, a qualified electronic signature (FEQ) is recommended for the appraiser drafting the report and the final validator, as it is fully equivalent to a handwritten signature throughout the EU. An advanced electronic signature (FEA) may be sufficient for technical reviewers, depending on the level of responsibility assumed. Confirm this with the interpretation of the Order provided by the Bank of Spain or the relevant supervisory authority.   <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How many signatures can an appraisal report have?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">A valuation report may require up to three electronic signatures: that of the appraiser who drafted it, that of the technical reviewer, and that of the validator or the final technical officer at the valuation firm. Depending on the size and structure of the firm, some of these roles may be held by the same person. What is important is that all individuals who play a substantive role in the preparation, review, and validation of the report electronically sign the final document.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How should an electronically signed appraisal report be safeguarded?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">Order ECM\/599\/2025 requires appraisal firms to implement procedures that ensure signed documents are not altered and can be retained in a manner that meets legal requirements. This involves certified storage of the signed document with a qualified time stamp, which verifies the integrity of the content at any subsequent point in time. Given the retention periods in the mortgage sector (up to 30 years), an eIDAS-compliant custody solution with the option for periodic resealing is recommended.  <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What happens if an appraisal report does not have an electronic signature after August 12, 2025?&#8221; style=&#8221;arrow&#8221; color=&#8221;black&#8221; custom_font_container=&#8221;tag:h3|font_size:20px|text_align:left&#8221; custom_google_fonts=&#8221;font_family:Dosis%3A200%2C300%2Cregular%2C500%2C600%2C700%2C800|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;&#8221; use_custom_heading=&#8221;true&#8221; custom_el_class=&#8221;mg-b-0 fondo-gris-preguntas-frecuentes&#8221;]<\/p>\n<p style=\"font-size: 16px;\">A valuation report that does not comply with the electronic signature requirements of Order ECM\/599\/2025 may not be accepted by financial institutions as valid mortgage collateral, nor by insurance companies or pension funds for their asset valuations. Furthermore, the appraisal firm may be in violation of the valuation regulations supervised by the Bank of Spain, with the corresponding administrative consequences. <\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1547557263471{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; el_class=&#8221;El nuevo reglamento europeo obliga a recabar el consentimiento expl\u00edcito para el tratamiento de los datos de car\u00e1cter personal&#8221; font_color=&#8221;#81d742&#8243;][vc_single_image image=&#8221;36536&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;grid&#8221; css=&#8221;.vc_custom_1679050935288{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_column dp_animation=&#8221;&#8221; css=&#8221;.vc_custom_1547557427896{padding-top: 0px 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