Real Estate BOE Importance: 4/10

The Supreme Court clarifies how to cancel a mortgage when the bank grants advance power of attorney to the debtor to do it themselves

11 Jun 2026 11 views
Who is affected:
Mortgage debtors, banks, notaries and property registrars

Summary

A ruling clarifies the requirements for registering mortgage cancellation when the bank grants advance power of attorney to the debtor. It is debated whether the zero balance certificate requires notarial authentication.

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The General Directorate of Legal Security resolves an appeal regarding the registrar's refusal to register a mortgage cancellation by Banco Santander where the debtor himself acted with irrevocable advance power of attorney from the bank. The registrar required proof of the signatory's powers and notarial authenticatio…

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Full official title

Resolución de 18 de febrero 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 Madrid n.º 3 a inscribir una escritura de cancelación de hipoteca.

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Affected sectors

Self-employed SMEs

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

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