The Supreme Court clarifies when a bank can cancel a mortgage through anticipated power of attorney without signing at the time
25 Jul 202627 views
Who is affected:
Mortgage debtors, banks, notaries and property registrars
Summary
The DGSJ resolves that a private zero-balance certificate is not sufficient to complement a notarial power of attorney for mortgage cancellation. The bank must guarantee document authenticity to register the cancellation in the Registry.
Detailed analysis
PRO
The Dirección General de Seguridad Jurídica y Fe Pública resolves the appeal of a notary from Fuenlabrada against the registry's refusal to register a Banco Santander mortgage cancellation. The core of the conflict is whether a private zero-balance certificate can validly complement an anticipated notarial power of att…
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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 de la registradora de la propiedad de Fuenlabrada n.º 3 a inscribir una escritura de cancelación de hipoteca.
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