Property registrar refuses to register a mortgage for non-compliance with real estate credit law
06 Aug 202674 views
Who is affected:
Occasional lenders, natural persons as mortgage debtors and notaries who formalize mortgages on dwellings
Summary
A registrar suspends the registration of a mortgage on a dwelling for breach of the Real Estate Credit Contracts Act. The General Directorate resolves the notary's appeal by analyzing whether the law applies even if the lender is not a habitual professional.
Detailed analysis
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The resolution analyzes whether a mortgage credit granted by a commercial company to a natural person on their dwelling is subject to Law 5/2019 on Real Estate Credit, even if the lender declares it does not habitually engage in financing. The registrar considered that mere occasional granting with active investment pu…
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