Mortgagor can cancel mortgage without requiring bank to attend notary
01 Jul 202630 views
Who is affected:
Mortgagors, banks, notaries and property registrars
Summary
The DGRN resolves that mortgage cancellation unilaterally granted by the debtor with anticipated power of attorney from the bank and zero balance certificate is valid. The registrar cannot require additional information about the representative's position if the notary has already verified the representation.
Detailed analysis
PRO
The Dirección General de Seguridad Jurídica y Fe Pública upholds the notary's appeal against the registrar of San Sebastián de los Reyes' refusal to register a mortgage cancellation. Banco Santander had granted an irrevocable anticipated power of attorney so that the debtor himself could cancel the mortgage at the regi…
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