The Berga registrar suspends a mortgage for abusive opening commission and usurious retention; the DGRN resolves the appeal
01 Jul 202679 views
Who is affected:
Private lenders, mortgage borrowers, registrars and notaries in mortgage transactions
Summary
The General Directorate resolves an appeal regarding a mortgage suspended by the Berga registrar upon detecting an opaque opening commission and disproportionate retentions exceeding 20% of the borrowed capital.
Detailed analysis
PRO
The DGRN analyzes a mortgage loan of 37.700 euros in which 2.400€ were retained for opening commission and 5.300€ for appraisal, exceeding 20% of the capital. The registrar suspended the registration due to lack of material transparency and potentially usurious nature of the retentions. The lending entity argued full c…
PRO exclusive content
Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
Resolución de 23 de marzo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la nota de calificación del registrador de propiedad de Berga, por la que se suspende la inscripción parcial de una escritura de préstamo hipotecario por razón de existir una comisión de apertura elevada y no transparente, y la retención de cantidades del capital concedido desproporcionada y usuraria.
The General Directorate confirms that the Registry may reject the deposit of the tourist rental information form if the registration number is revoked or the ap...
Owners and managers of short-term tourist accommodations in Spain
The Property Registry refuses to register two inherited properties because one was already registered in the name of another party and the others do not match t...
Heirs attempting to register for the first time unregistered properties under art. 205 LH
The General Directorate resolves an appeal regarding the refusal to register the georeferencing of a property in Felanitx due to possible invasion of an adjacen...
Property owners processing georeferencing of properties and their registered neighbors
The General Directorate rules that converting a property into tourist accommodation in Madrid requires the favorable vote of 60% of the owners' community if mun...
Owners and investors who want to convert properties or dwellings into tourist accommodation in homeowners' associations
The General Directorate confirms that rectifying a registration error affecting another property requires the consent of the affected owner or a judicial resolu...
Property owners with conceptual errors in the Property Registry affecting third-party properties
A resolution clarifies that to register a divorce judgment in the Property Registry, prior registration in the Civil Registry must be proven. It also requires d...
Divorced persons who wish to register allocations of real estate derived from divorce judgments
