The Berga registrar suspends a mortgage for abusive opening commission and usurious retention; the DGRN resolves the appeal
01 Jul 202654 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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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.
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