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I have recently finalised my mortgage with the bank who continue to hold my deeds, does anyone know the process of obtaining them from the bank, I have been told they should be forwarded to the Notary, for whatever reason I don’t know.
Posted: Sat Sep 10, 2022 6:29pm
Super helpful member
The bank had and has no reason to hold or worse withhold that docuemnt. Do you have a written proof of this? Who gave it to the bank? What you need is a so called "Carta de pago" set up by a notary public and have that document registered.
Posted: Sun Sep 11, 2022 9:48am
Helpful member
Hi you have to have the mortgage signed off by an official from the bank in the notary, then you have to register the property, best if you pop into a notary and ask they will explain I can't remember the whole process in sequence but you do need to make sure it is done otherwise when/if you come to sell you will have a problem if the bank has not signed off on the mortgage, and if that should be years away..... well I will leave that to your imagination :)
Don't get pushed into spending lots of money, it is a simple process even if you have to reregister the property you then ask the notary for the papers take them to the land registry office they will photocopy them overcharge you (this is normal) then when they are done you go and fetch them and they will probably give you a rebate. As for the notary you don't have to be there they just have to arrange with the bank to send someone who can sign, again check how much, ask a couple you can always write it out what you need and give it to the front desk, then use email so you can get information and google translate.
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