The Supreme Court clarifies when a bank can cancel a mortgage through anticipated power without notarial intervention
25 Jul 202629 views
Who is affected:
Property owners with economically cancelled mortgages, banks and notaries processing property registry cancellations
Summary
A ruling clarifies whether it is valid to cancel a mortgage using a prior bank power supplemented with a private zero-balance certificate. The registrar rejected it and the DGRN resolves the appeal.
Detailed analysis
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The Directorate General of Legal Security and Public Faith resolves an appeal against the refusal of the Fuenlabrada Property Registry nº 3 to register a Banco Santander mortgage cancellation. The registrar rejected the registration because the bank's anticipated power was supplemented with a private zero-balance certi…
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Resolución de 24 de abril de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la negativa del registrador de la propiedad accidental de Fuenlabrada n.º 3 a inscribir una escritura de cancelación de hipoteca.
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