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…
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