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If I transfer it would only be transferred half of my credits?

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This is something that I'm thinking about and don't get to understand. I study in Spain and if I want to transfer by the end of my first or second year, how would they take my credits? Because my course ends by May and I gotta apply by January for most of the colleges. Then, by January, I'd only have half of my credits as much, so, do I have to apply and send them only half of my credits? Will they evaluate these? Will they take all of them if I get accepted by the end of the course? I don't understand how this works.

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