📝 Trámites y Plantillas DGT

Free Car Loan Contract (Comodato) Template for Horcajo de la Sierra: Downloadable Word/PDF

If you are planning to lend your vehicle to a friend, family member, or employee in Horcajo de la Sierra, it is essential to formalize the arrangement. In Spain, this is known as a Contrato de Comodato. This is a private agreement where the owner (comodante) grants the use of the vehicle to another person (comodatario) for free. Using a written contract is highly recommended to protect yourself from liability regarding traffic fines, accidents, or potential criminal misuse of the vehicle while it is out of your possession.

Instructions on how and where to submit it in Horcajo de la Sierra

Because this is a private civil contract between two parties, it does not need to be submitted to the Horcajo de la Sierra Town Hall or the DGT (Dirección General de Tráfico) to be valid. However, you should follow these steps to ensure its legal weight:

Print two copies: Both the owner and the user must sign both copies so each party keeps an original.
Digital Signature: You may use a digital certificate (Certificado Digital) to sign the document electronically if you prefer.
Notarization (Optional): If you want to give the document a "certified date" (fecha cierta) to prove exactly when the contract was signed, you can take it to a Notary Public in the nearest major hub (such as Buitrago del Lozoya).
Keep it in the car: It is highly advisable that the person driving the vehicle carries a copy of this signed contract in the glove compartment. If the vehicle is stopped by the Guardia Civil, this document explains why the driver is not the registered owner.

📄 Modelo Oficial / Official Template

Plantilla / Template

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT

REUNIDOS / PARTIES:
De una parte, [Nombre del propietario], con DNI/NIE [Número], y domicilio en [Dirección], en adelante "el COMODANTE".
(On one part, [Owner Name], with ID [Number], and address [Address], hereinafter "the LENDER".)

De otra parte, [Nombre del usuario], con DNI/NIE [Número], y domicilio en [Dirección], en adelante "el COMODATARIO".
(On the other part, [User Name], with ID [Number], and address [Address], hereinafter "the BORROWER".)

OBJETO / OBJECT:
El COMODANTE cede gratuitamente el uso del vehículo marca [Marca], modelo [Modelo], con matrícula [Matrícula], al COMODATARIO.
(The LENDER grants the free use of the vehicle make [Make], model [Model], license plate [Plate], to the BORROWER.)

DURACIÓN / DURATION:
El préstamo tendrá una duración desde [Fecha inicio] hasta [Fecha fin].
(The loan will be effective from [Start Date] to [End Date].)

OBLIGACIONES / OBLIGATIONS:
El COMODATARIO se obliga a utilizar el vehículo con diligencia, hacerse cargo de los gastos de combustible y multas de tráfico cometidas durante el periodo de uso.
(The BORROWER agrees to use the vehicle diligently, and to be responsible for fuel costs and traffic fines incurred during the period of use.)

Firmado en Horcajo de la Sierra, a [Día] de [Mes] de [Año].
(Signed in Horcajo de la Sierra, on [Day] of [Month] of [Year].)

Firma COMODANTE (Lender): _________________
Firma COMODATARIO (Borrower): _________________

Additional documentation required

While the contract itself is the primary document, you should ensure that the vehicle remains compliant with Spanish traffic laws while in the hands of the borrower. Please ensure the following documents are present in the vehicle:

ITV (Inspección Técnica de Vehículos): The vehicle must have a valid and up-to-date ITV sticker.
Proof of Insurance: Ensure that the insurance policy covers "third-party drivers" or that you have notified your insurance company that someone else will be using the vehicle regularly.
Circulation Permit: The original document (Permiso de Circulación) must be in the vehicle.

Expert Tip: If you are lending the vehicle for a long period, I strongly recommend taking detailed photographs of the vehicle's bodywork before handing over the keys. This prevents disputes regarding potential scratches or damages caused during the loan period. Furthermore, if you receive a traffic fine (multa) while the car is being used by someone else, use the DGT's "Identificación de conductor" portal to redirect the fine to the actual driver immediately, preventing the loss of points on your own license.