Real Estate BOE Importance: 5/10

Property registry refuses to register a purchase option that conceals an abusive loan on housing

01 Jul 2026 5 views
Who is affected:
Homeowners with debts, real estate investment companies and notaries who formalize purchase options as collateral

Summary

A registrar denies registration of a purchase option considering it a concealed loan with prohibited pactum commissorium. The General Directorate confirms that such contracts must comply with consumer protection regulations.

Detailed analysis PRO

The General Directorate of Legal Security and Public Faith resolves an appeal against the registrar of El Campello's refusal to register a purchase option on a dwelling. The registrar detected that the transaction concealed an unpaid mortgage loan: the option premium matched the loan principal, the optionee had irrevoc…

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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 emitida por el registrador de la propiedad interino de El Campello respecto de una escritura de opción de compra.

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Affected sectors

Self-employed SMEs Construction

Categories

Tax & Revenue Labour & Employment Corporate & Business Data Protection Social Security European Regulations Grants & Subsidies Other Regulations Public Sector Education Energy Agriculture & Fisheries Real Estate

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