The Supreme Court clarifies how to cancel Santander mortgages with anticipated power of attorney without notarized signature
01 Jul 202625 views
Who is affected:
Mortgage debtors, banking entities and notaries processing mortgage cancellations
Summary
The DGSJFP resolves a matter on whether it is valid to cancel a Banco Santander mortgage using an anticipated power of attorney without notarial authentication of the zero balance certificate signature.
Detailed analysis
PRO
The Dirección General de Seguridad Jurídica y Fe Pública analyzes the registrar's refusal to register a cancellation of a Banco Santander mortgage granted through an anticipated power of attorney mechanism. The bank had granted in 2024 a deed that allowed debtors to unilaterally cancel the mortgage if the bank sent to …
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