Real Estate BOE Importance: 3/10

The Property Registry must register a mortgage even if the habitual residence declaration uses the term 'family'

01 Jul 2026 5 views
Who is affected:
Notaries, property registrars, financial entities and individual mortgage debtors

Summary

The General Directorate rules that declaring that a property is not a 'family habitual residence' is equivalent to declaring that it is not a habitual residence, complying with the Mortgage Law. The registry cannot require an exact literal formula.

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The General Directorate of Legal Security and Public Faith upholds the notary's appeal and revokes the negative qualification of the Madrid registrar no. 45. The debate centers on article 21.3 of the Mortgage Law, which requires that mortgage loan deeds on residential property expressly state whether the property is or…

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Full official title

Resolución de 19 de marzo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la negativa de la registradora de la propiedad de Madrid n.º 45 a inscribir una escritura de constitución de hipoteca.

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