The Supreme Court clarifies when a bank can cancel a mortgage through anticipated power of attorney and zero balance certificate
25 Jul 202688 views
Who is affected:
Property owners with cancelled mortgages, notaries, registrars and banking entities
Summary
The DGSJ resolves a challenge regarding whether a private zero balance certificate can complement a notarial power of attorney to cancel a mortgage. The requirements for valid representation before the Registry are clarified.
Detailed analysis
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The Dirección General de Seguridad Jurídica y Fe Pública resolves the appeal filed by a notary from Fuenlabrada against the registry's refusal to register a mortgage cancellation by Banco Santander. The registrar rejected the registration by considering that the private zero balance certificate cannot validly complemen…
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