The cancellation of the mortgage can also be processed electronically

12/02/2025

Your relationship with the mortgage does not end after the last installment. One more step remains: signing the deed of cancellation, assessing the tax on Documented Legal Acts and registering in the Property Registry.

As we have already published in previous postsAbre en ventana nueva, if you decide to carry out the notarial procedures and register them yourself, the entity must provide you, free of charge, the zero debt certificate. Additionally, they must move a proxy to the notary's office for the signing of the deed, management for which no commission can be passed on to you.

Sometimes, however, there may be some obstacle that prevents these procedures from being carried out in person. This circumstance can cause delays in the registration cancellation of mortgage charges, with unintended consequences.

To try to avoid these situations, since 2021 the Notarial PortaAbre en ventana nueval of the Citizen (Electronic Notarial Headquarters) allows both the entity and citizens to carry out different procedures with the notary remotely. One of those procedures is the electronic cancellation of the mortgage.

Once the client has requested the cancellation from the notary, either in person or electronically, the representative of the financial institution can sign electronically, by videoconference, this type of notarial document - letter of payment and cancellation of guarantee - quickly, easily and safely. 

“Disclaimer: Please note that this is a translation of the original in Spanish that has been obtained using eTranslation (the machine translation tool provided by the European Commission), with the intention of giving you a basic idea of the content in English until a human translation becomes available. The Banco de España accepts no liability whatsoever in connection with this translation.”