The registrar cannot cancel a mortgage solely based on debt discharge in insolvency proceedings without express court order
22 Oct 20260 views
Who is affected:
Natural persons in insolvency proceedings with mortgages, property registrars and creditor banking entities
Summary
The General Directorate rules that canceling a mortgage following insolvency proceedings requires express court order or bank deed; the debt discharge judgment alone is insufficient.
Detailed analysis
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The ruling establishes that discharge of unsatisfied liabilities (BEPI) in insolvency proceedings extinguishes the debtor's personal liability, but does not automatically cancel registered real guarantees such as mortgages. To cancel a mortgage in the registry, a public deed of cancellation executed by the creditor or …
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