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NOTICIA: Cancelación registral de un préstamo hipotecario. - Nieves Mateos Asesores

Cuando terminamos de pagar un préstamo, debemos realizar las gestiones oportunas para su cancelación registral. Para ello, es necesario dirigirnos previamente a nuestra entidad y solicitar un certificado que acredite que ya hemos pagado la totalidad de la deuda.

Puedes realizar tú mismo los trámites necesarios para dicha cancelación o bien, encargar a tu entidad esta gestión. En este último caso, además de asumir los posibles gastos de gestoría, el banco podrá cobrarte una comisión por el servicio prestado. En cualquier caso, deberá informarte previamente de los importes que te corresponde asumir.

La duración de un préstamo hipotecario es muy larga y podría ocurrir que durante su vida nuestro préstamo haya sido cedido a otra entidad. En estos casos, ¿a qué entidad deberíamos dirigirnos para solicitar el certificado de cancelación económica una vez pagada la deuda?

  • Si tu préstamo ha sido cedido a otra entidad, deberás solicitar el certificado a esta última.
  • Si, por el contrario, la entidad con la que formalizaste el préstamo ha cedido la gestión del recobro de la deuda, será ella la encargada de emitir el correspondiente certificado de cancelación.

¿Y qué ocurre si la entidad en cuestión se ha fusionado?

Tendrás que acudir a la entidad resultante de la fusión para solicitar la documentación. Puedes consultar los datos históricos de las entidades (tanto operativas como de baja) registradas en el Banco de España.

Ahora bien, si tu préstamo ha sido cancelado económicamente hace años, deberás saber que, debido a las fusiones y absorciones que han tenido lugar entre entidades financieras en los últimos años, podría suceder que tengas dificultades para obtener la documentación. En algunos casos, cuando se producen fusiones, no se traspasan los préstamos que se encuentran saldados a la nueva entidad.

Para evitar incidencias de este tipo, es importante que lleves un control adecuado de tus productos bancarios y gestiones la tramitación registral de tu hipoteca en el momento en el que termines de pagar la deuda correspondiente.

FUENTE: https://clientebancario.bde.es/pcb/es/blog/cancelacion-registral-de-un-prestamo-hipotecario.html

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