Mortgagor can cancel mortgage without requiring bank to attend notary
01 Jul 202657 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…
PRO exclusive content
Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
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.
The INE and the College of Registrars agree to share data on mortgages, property transfers and commercial companies to produce official statistics. The agreemen...
INE, Property and Commercial Registrars, companies with data in public registries
Spain, the UN and the Municipality of Castellón sign a collaboration agreement to improve human settlements. The agreement was formalized in Nairobi and Castell...
Municipality of Castellón, Spanish administration and bodies linked to UN-Habitat
The Cadastre and the Bar Association of Reus agree to collaborate to facilitate cadastral procedures for citizens. Lawyers will be able to consult cadastral dat...
Lawyers registered in Reus and citizens of Tarragona with cadastral procedures
The contest to fill 55 vacant positions in registers throughout Spain is resolved. The selected registrars are communicated to the Autonomous Communities for th...
Property, Commercial and Personal Property Registrars participating in the contest
The Generalitat de Cataluña resolves competition no. 325 by assigning six vacant property, commercial and personal property registers to specific registrars.
Property, commercial and personal property registrars who participated in the competition
The property registry denies registration of the increase in land area from 1,526 to 2,199 m² due to incompatibility with current urban planning regulations and...
Owners of properties with land area correction proceedings in areas with urban planning under review
