Real Estate BOE Importance: 3/10

BBVA mortgage cancellation denied due to prescription claimed only through private application

13 Jun 2026 4 views
Who is affected:
Property owners with registered mortgages who wish to cancel them by claiming prescription without agreement with the bank

Summary

The General Directorate confirms that a mortgage cannot be cancelled by claiming prescription through a simple private application without the bank's consent or a final judicial resolution.

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The resolution confirms the negative qualification by the registrar of Quintanar de la Orden who denied the cancellation of a BBVA mortgage from 2006 whose execution was stayed in 2017 due to abusive clauses. The General Directorate distinguishes between automatic registration expiration and prescription of the mortgag…

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Full official title

Resolución de 26 de febrero de 2026, de la Dirección General de Seguridad Jurídica y Fe Pública, en el recurso interpuesto contra la calificación del registrador de la propiedad interino de Quintanar de la Orden, por la que se deniega la cancelación de una hipoteca solicitada mediante instancia por caducidad.

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