Cancelling a paid mortgage requires a public deed, a bank certificate is not enough
09 Oct 20263 views
Who is affected:
Property owners with paid mortgages who wish to cancel them in the Property Registry
Summary
The General Directorate confirms that to cancel a mortgage in the Registry, a bank certificate signed electronically is not sufficient; a public deed with the bank's consent is required.
Detailed analysis
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The DGSJFP resolves that the registry cancellation of a mortgage registered by public deed requires, in accordance with article 82.1 of the Ley Hipotecaria, another public deed or authentic document with the creditor's consent. A bank certificate signed electronically, although it proves full payment, is not considered…
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