The Supreme Court clarifies when a bank can cancel a mortgage through anticipated power of attorney without notarial intervention
24 Jul 202622 views
Who is affected:
Mortgage debtors, banks, notaries and property registrars
Summary
A ruling clarifies the requirements for canceling mortgages with anticipated powers of attorney from banks. The registrar rejected the registration by considering a private zero-balance certificate insufficient.
Detailed analysis
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The Directorate General for Legal Security resolves an appeal regarding the refusal to register a mortgage cancellation granted by the debtor themselves through irrevocable anticipated power of attorney from Banco Santander. The registrar rejected the registration arguing that a private zero-balance certificate cannot …
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