Cancelación registral de hipoteca

Finishing paying the mortgage does not erase it from the Land Registry: the charge remains on record until it is formally cancelled, and it will show up in the nota simple when you want to sell. Registry cancellation is that pending formality many homes drag along for years. Steps: ask the bank for the zero-debt certificate (free), sign the cancellation deed — the bank's representative attends the notary without being able to charge for it — and file it at the Registry. Notary and Registry fees are borne by the owner, a few hundred euros; a gestoría can handle it or you can do it yourself. Doing nothing has an expiry date: the charge lapses at the Registry twenty-one years after maturity. In practice, when selling it is resolved at the same signing by retaining the necessary amount from the price.