Unilateral mortgage cancellation: the requirement must be addressed to the current registered holder, not the original one
13 Jun 202642 views
Who is affected:
Owners with registered unilateral mortgages and assignee entities of mortgage credits
Summary
The DGRN confirms that to cancel a unilateral mortgage, the registered holder at the time of cancellation must be required, even if it has changed since the constitution.
Detailed analysis
PRO
The Directorate General of Legal Security and Public Faith resolves an appeal against the refusal to cancel a unilateral mortgage in Mataró. The registrar denied the cancellation because one of the original creditor entities (Banco Sabadell) had transferred its participation to Axactor España S.L., which was already re…
PRO exclusive content
Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
Resolución de 3 de marzo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la negativa del registrador de la propiedad de Mataró n.º 3 a cancelar una hipoteca unilateral por figurar dicha hipoteca inscrita a favor de entidad distinta de aquella a cuyo favor se constituyó y a la que se requirió la aceptación.
El Banco de España publica los índices de referencia hipotecarios de julio de 2026. El tipo medio para vivienda libre a más de tres años se sitúa en el 3,077%.
Titulares de hipotecas a tipo variable y entidades financieras con préstamos referenciados
Catalonia requires the removal of asbestos from public buildings before 2028 and from all properties before 2032. The law regulates victims' rights and owners' ...
Property owners, construction companies, public administrations and workers in Catalonia
The DGSJ annuls the registrar of Arteixo's refusal to register the grouping of two properties coordinated with Catastro, considering the neighboring owner's obj...
Owners who group properties coordinated with Catastro and declare new construction in the Registry
The General Directorate resolves a State appeal regarding the registration in the Property Register of land expropriated for a motorway in Castilla y León. The ...
Public Administration, State Roads Department, property registers
The General Directorate confirms that a private application is not sufficient to rectify the registered description of a property; a formal file and complete te...
Heirs and owners who wish to register new construction or rectify property descriptions with cadastral discrepancies
The Property Registry denies registration of a new building because the structure occupies two separate properties that must be grouped first. The developer com...
Developers and companies declaring new buildings on registered properties in different municipalities