Real Estate BOE Importance: 4/10

Mortgage cancellation denied due to prescription: notarial deed or court judgment required

17 Jun 2026 5 views
Who is affected:
Property owners with registered mortgages who wish to cancel them registrally

Summary

The owner of a property attempted to cancel a 2005 mortgage by claiming prescription, but the Registry denied it because the mortgage action does not prescribe until 2055 and requires a notarial deed or judicial resolution.

Detailed analysis PRO

The Dirección General de Seguridad Jurídica confirms that it is not possible to cancel a mortgage through a simple private request by claiming prescription of the personal debt (art. 1964 CC, 5 years). The mortgage action has its own 20-year period from when it can be exercised (art. 128 LH), independent of the prescri…

PRO exclusive content

Implicaciones prácticas, plazos y recomendaciones específicas para tu sector.

Crear cuenta gratis Ver planes PRO

Full official title

Resolución de 5 de marzo de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la calificación del registrador de la propiedad de Plasencia, por la que se deniega la cancelación de una hipoteca solicitada mediante instancia por caducidad.

View original source (BOE)

Categories

Tax & Revenue Labour & Employment Corporate & Business Data Protection Social Security European Regulations Grants & Subsidies Other Regulations Public Sector Education Energy Agriculture & Fisheries Real Estate

PRO Plan

Alerts, detailed analysis and private Telegram channel.

From 9.99 EUR/month
Sponsored space
Sponsor the Real Estate category

Your brand in front of thousands of businesses and freelancers tracking the legal changes in your sector.

I want to sponsor it

Related regulations