Property registrar refuses to register a mortgage for non-compliance with real estate credit law
06 Aug 202630 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
PRO
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…
PRO exclusive content
Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.
Resolución de 12 de mayo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la calificación negativa emitida por el registrador de la propiedad de Vila-seca, por la que se suspende la inscripción de una escritura de crédito hipotecario.
El Banco de España publica los índices de referencia hipotecarios de julio de 2026. El tipo medio para vivienda libre a más de tres años se sitúa en el 3,077%.
Titulares de hipotecas a tipo variable y entidades financieras con préstamos referenciados
Catalonia requires the removal of asbestos from public buildings before 2028 and from all properties before 2032. The law regulates victims' rights and owners' ...
Property owners, construction companies, public administrations and workers in Catalonia
The DGSJ annuls the registrar of Arteixo's refusal to register the grouping of two properties coordinated with Catastro, considering the neighboring owner's obj...
Owners who group properties coordinated with Catastro and declare new construction in the Registry
The General Directorate resolves a State appeal regarding the registration in the Property Register of land expropriated for a motorway in Castilla y León. The ...
Public Administration, State Roads Department, property registers
The General Directorate confirms that a private application is not sufficient to rectify the registered description of a property; a formal file and complete te...
Heirs and owners who wish to register new construction or rectify property descriptions with cadastral discrepancies
The Property Registry denies registration of a new building because the structure occupies two separate properties that must be grouped first. The developer com...
Developers and companies declaring new buildings on registered properties in different municipalities