Real Estate BOE Importance: 4/10

Mortgagor can cancel mortgage without requiring bank to attend notary

01 Jul 2026 4 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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Full official title

Resolución de 19 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 San Sebastián de los Reyes n.º 1 a inscribir una escritura de cancelación de hipoteca.

View original source (BOE)

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