Mortgage cancellation denied due to prescription: notarial deed or court judgment required
17 Jun 202666 views
Who is affected:
Property owners with registered mortgages who wish to cancel them registrally
Summary
The owner of a property attempted to cancel a 2005 mortgage by claiming prescription, but the Registry denied it because the mortgage action does not prescribe until 2055 and requires a notarial deed or judicial resolution.
Detailed analysis
PRO
The Dirección General de Seguridad Jurídica confirms that it is not possible to cancel a mortgage through a simple private request by claiming prescription of the personal debt (art. 1964 CC, 5 years). The mortgage action has its own 20-year period from when it can be exercised (art. 128 LH), independent of the prescri…
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