The Supreme Court clarifies how to cancel a mortgage when the bank grants advance power of attorney to the debtor to do it themselves
11 Jun 202676 views
Who is affected:
Mortgage debtors, banks, notaries and property registrars
Summary
A ruling clarifies the requirements for registering mortgage cancellation when the bank grants advance power of attorney to the debtor. It is debated whether the zero balance certificate requires notarial authentication.
Detailed analysis
PRO
The General Directorate of Legal Security resolves an appeal regarding the registrar's refusal to register a mortgage cancellation by Banco Santander where the debtor himself acted with irrevocable advance power of attorney from the bank. The registrar required proof of the signatory's powers and notarial authenticatio…
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