The registrar can require mortgage law even if the loan is business-related when there are natural person guarantors
01 Jul 202667 views
Who is affected:
Companies with mortgage loans on residential properties and their natural person guarantors
Summary
If a company requests a mortgage loan on a residential property and there are natural persons as guarantors, the mortgage protection law applies to those guarantors. The registrar can suspend registration if these transparency requirements are not met.
Detailed analysis
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The Dirección General de Seguridad Jurídica confirms that Ley 5/2019 de Contratos de Crédito Inmobiliario applies even when the borrower is a commercial entity, if natural persons act as sureties or guarantors and the mortgage is secured by a residential property. The registrar of Palafrugell suspended the registration…
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